{"schema_version":"secwatch.filing_event.v1","accession":"0000876523-22-000053","form_type":"8-K","ticker":"EZPW","cik":"0000876523","company_name":"EZCORP INC","filed_at":"2022-08-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:58.396260+00:00","generated_at":"2026-06-24T05:34:37.516212+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"EZCORP Q3 net income $12.2M; record pawn loans $204.2M, up 30% YoY","bullets":["Diluted EPS $0.17 vs loss of $0.05; adjusted EPS $0.16 vs loss of $0.03.","Total revenue $215.8M (+24% YoY); gross profit $129.5M (+20%).","Pawn loans outstanding record $204.2M, up 30% (US +36%, LatAm +11%).","Merchandise sales gross margin 38%, at high end of target; inventory turnover 2.8x.","Opened 8 de novo LatAm stores, acquired 3 Dallas stores; EZ+ Rewards 1.4M enrolled."],"urls":{"canonical":"https://secwatch.observer/filing/0000876523-22-000053","json":"https://secwatch.observer/filing/0000876523-22-000053.json","markdown":"https://secwatch.observer/filing/0000876523-22-000053.md","text":"https://secwatch.observer/filing/0000876523-22-000053.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/876523/000087652322000053/0000876523-22-000053-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/876523/000087652322000053/ezpw-20220803.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T05:34:37.516212+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}