Ezcorp

EZCORP gives people quick cash using personal items as security. The company sells used jewelry, electronics, and tools in stores. It serves customers who need short-term funds in several countries.

Cash Loans and Used Goods

• Merchandise Sales: Retail sales of jewelry, electronics, and tools; earned $210.1 million in the quarter ended December 31, 2025.
• Pawn Service Charges: Fees collected on short-term loans secured by personal property; totaled $131.9 million for the same period.
• Jewelry Scrap Sales: Revenue from selling the precious metal content of items; reached $39.9 million in the 2025 quarter.

Growing the Global Footprint

• Acquired a controlling stake in Founders One, LLC on January 2, 2026, adding 105 stores in Florida and international locations.
• Bought 12 pawn stores in Texas operating as El Bufalo Pawn on January 12, 2026, for approximately $27.5 million.
• Increased total store count to 1,383 as of December 31, 2025, across the U.S. and Latin America.
• Approved a plan on November 11, 2025, to repurchase up to $50 million in company shares over three years.

How the Company Operates

EZCORP operates a large network of pawn shops across two continents with a focus on high-traffic locations. Its digital platforms allow customers to manage their loan payments and engage with stores through mobile devices.

Recent Performance Highlights

• Total revenue rose 19.3% to $382 million for the quarter ended December 31, 2025.
• Net income reached $44.3 million in the first quarter of fiscal 2026, up 42.8% year-over-year.
• Operating cash flow increased to $39.1 million in the 2025 quarter, up 50.6% from the prior year.
• Gross profit grew 20.3% to $223 million for the three months ended December 31, 2025.

Bottom Line

EZCORP has transitioned into an international pawn service provider by expanding its physical footprint and digital tools. The company continues to use acquisitions and store growth to reach more customers needing short-term cash.