---
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"
generated_at: "2026-06-24T05:34:37.516212+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# EZCORP Q3 net income $12.2M; record pawn loans $204.2M, up 30% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- 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/876523/000087652322000053/0000876523-22-000053-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/876523/000087652322000053/ezpw-20220803.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000876523-22-000053
- JSON: https://secwatch.observer/filing/0000876523-22-000053.json
- Plain text: https://secwatch.observer/filing/0000876523-22-000053.txt

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