---
schema_version: "secwatch.filing_event.v1"
accession: "0000876523-21-000069"
form_type: "8-K"
ticker: "EZPW"
cik: "0000876523"
company_name: "EZCORP INC"
filed_at: "2021-11-17T23:59:59+00:00"
generated_at: "2026-06-28T07:35:36.702733+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# EZCORP Q4 net income $1.6M vs loss of $23.3M; PLO up 34% YoY

## Summary
- Diluted EPS $0.03 (Q4) vs -$0.42; adjusted EPS $0.11, from $0.08.
- Merchandise gross margin improved to 41% from 31%; net revenue up 33%.
- Pawn loans outstanding increased 34% YoY to $175.9M; same-store PLO up 29%.
- Latin America segment contribution turned positive at $6.1M vs -$3.9M loss.
- Store count up 14% for year; Blair Powell promoted to President of Global Pawn.

## SEC filing metadata
- accession: 0000876523-21-000069
- form_type: 8-K
- ticker: EZPW
- cik: 0000876523
- company_name: EZCORP INC
- filed_at: 2021-11-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/876523/000087652321000069/0000876523-21-000069-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/876523/000087652321000069/ezpw-20211117.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000876523-21-000069
- JSON: https://secwatch.observer/filing/0000876523-21-000069.json
- Plain text: https://secwatch.observer/filing/0000876523-21-000069.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.