EZCORP Inc
NASDAQ:EZPW
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EZCORP Inc
EZCORP, Inc. provides pawn loans in the United States and Latin America. The company is headquartered in Rollingwood, Texas and currently employs 6,500 full-time employees. Pawn loans are non-recourse loans collateralized by tangible property. The firm also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. The firm operates through three segments: U.S. Pawn, Latin America Pawn and Other International. U.S. Pawn includes its EZPAWN, Value Pawn & Jewelry and other branded pawn operations in the United States. Latin America Pawn includes its Empeno Facil and other branded pawn operations in Mexico, as well as its GuatePrenda and MaxiEfectivo pawn operations in Guatemala, El Salvador, Honduras and Peru. Other International includes the consumer finance activities in Canada.
EZCORP, Inc. provides pawn loans in the United States and Latin America. The company is headquartered in Rollingwood, Texas and currently employs 6,500 full-time employees. Pawn loans are non-recourse loans collateralized by tangible property. The firm also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. The firm operates through three segments: U.S. Pawn, Latin America Pawn and Other International. U.S. Pawn includes its EZPAWN, Value Pawn & Jewelry and other branded pawn operations in the United States. Latin America Pawn includes its Empeno Facil and other branded pawn operations in Mexico, as well as its GuatePrenda and MaxiEfectivo pawn operations in Guatemala, El Salvador, Honduras and Peru. Other International includes the consumer finance activities in Canada.
Record Results: EZCORP delivered record revenue of $1.3 billion for fiscal 2025, up 12% year-over-year, and record net income of $110.7 million, up 30%.
Margin Expansion: Adjusted EBITDA increased 26% to $191.2 million, with margins rising to 14.7% from 13%.
Store Growth: The company expanded its store base to 1,360 locations across 5 countries, with significant openings and acquisitions in Latin America and the U.S.
Strong Lending & Inventory: Pawn loans outstanding (PLO) hit a record $303.9 million, up 11%, while inventory rose 28% to $245.2 million.
Digital & Loyalty Gains: EZ+ Rewards membership grew 26% to 6.9 million, website traffic jumped 49%, and digital engagement drove higher repeat business.
Active M&A Pipeline: The company completed multiple acquisitions and entered agreements for more, with a robust M&A pipeline focused on both organic and inorganic growth.
Cautious Outlook: Management expects scrap margins to normalize in FY26 and notes a sequential increase in expenses, but remains focused on profitable growth and disciplined M&A.
