---
schema_version: "secwatch.filing_event.v1"
accession: "0000876523-22-000074"
form_type: "8-K"
ticker: "EZPW"
cik: "0000876523"
company_name: "EZCORP INC"
filed_at: "2022-11-16T23:59:59+00:00"
generated_at: "2026-06-21T17:54:26.117166+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# EZCORP Q4 net income jumps to $7.3M; record PLO of $210M; full-year EPS $0.70

## Summary
- Q4 total revenue $233.4M (+21%), net income $7.3M vs $1.6M, diluted EPS $0.11; adjusted EPS $0.15.
- Pawn loans outstanding hit record $210.0M, up 19% YoY, driving pawn service charge growth of 21%.
- Full-year revenue $886.2M (+21%), net income $50.2M vs $8.6M, diluted EPS $0.70; adjusted EPS $0.75.
- US Pawn segment contribution up 49% in Q4; 28 de novo stores opened in Latin America in FY22.
- CFO Thomas H. Welch, Jr. retiring Dec 31, 2022; new CIC Severance Plan adopted for other executives.

## SEC filing metadata
- accession: 0000876523-22-000074
- form_type: 8-K
- ticker: EZPW
- cik: 0000876523
- company_name: EZCORP INC
- filed_at: 2022-11-16T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 5.02, 5.07, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/876523/000087652322000074/0000876523-22-000074-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/876523/000087652322000074/ezpw-20221116.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000876523-22-000074
- JSON: https://secwatch.observer/filing/0000876523-22-000074.json
- Plain text: https://secwatch.observer/filing/0000876523-22-000074.txt

## Key facts
- Earnings Releases
  EZCORP INC reported the quarter ended September 30, 2022 results: revenue $ 233.4, net income $ 7.3, EPS $ 0.11.
  - Period: the quarter ended September 30, 2022
  - Revenue: $ 233.4
  - Net income: $ 7.3
  - EPS: $ 0.11
  - Result: reported results
  source text: Three Months Ended September 30 As Reported Adjusted 2 in millions, except per share amounts 2022 2021 2022 2021 Total revenues $ 233.4 $ 192.4 $ 233.9 $ 192.4 Gross profit 1 $ 137.6 $ 119.3 $ 137.9 $ 119.3 Income before tax $ 13.2 $ 4.5 $ 12.9 $ 9.4 Net income $ 7.3 $ 1.6 $ 10.6 $ 6.2 Diluted earnings per share $ 0.11 $ 0.03 $ 0.15 $ 0.11
  evidence_url: https://www.sec.gov/Archives/edgar/data/876523/000087652322000074/0000876523-22-000074-index.htm
- Earnings Releases
  EZCORP INC reported the full year ended September 30, 2022 results: revenue $ 886.2, net income $ 50.2, EPS $ 0.70.
  - Period: the full year ended September 30, 2022
  - Revenue: $ 886.2
  - Net income: $ 50.2
  - EPS: $ 0.70
  - Result: reported results
  source text: Twelve Months Ended September 30 As Reported Adjusted 2 in millions, except per share amounts 2022 2021 2022 2021 Total revenues $ 886.2 $ 729.6 $ 887.4 $ 729.6 Gross profit 1 $ 528.1 $ 449.5 $ 528.7 $ 449.5 Income before tax $ 67.7 $ 16.1 $ 71.6 $ 31.6 Net income $ 50.2 $ 8.6 $ 54.3 $ 21.4 Diluted earnings per share $ 0.70 $ 0.15 $ 0.75 $ 0.38
  evidence_url: https://www.sec.gov/Archives/edgar/data/876523/000087652322000074/0000876523-22-000074-index.htm
- Shareholder Votes
  EZCORP INC shareholders approved Amendment to 2022 Long-Term Incentive Plan and 2010 Long-Term Incentive Plan to conform provisions to CIC Severance Plan and provide for acceleration of vesting upon Qualifying Termination at the 2022-11-15 meeting.
  - Proposal: equity plan
  - Outcome: passed
  - Meeting: 2022-11-15
  source text: Item 5.07 — Submission of Matters to a Vote of Security Holders On November 15, 2022, the sole holder of the Company’s Class B Voting Common Stock (the “Voting Stockholder”) approved certain amendments to the 2022 Long-Term Incentive Plan (applicable to long-term incentive equity awards issued from and after January 31, 2022) and the 2010 Long-Term Incentive Plan (applicable to currently outstanding long-term incentive equity awards that were issued on or before December 31, 2021) to conform the provisions of such plans to the CIC Severance Plan and to provide for acceleration of vesting upon the occurrence of a Qualifying Termination for all future and currently outstanding long-term incentive equity awards (as discussed above). A copy of the Amended and Restated 2022 Long-Term Incentive Plan is filed as Exhibit 10.5 to the Fiscal 2022 Form 10-K, and a copy of the Amendment to the 2010 Long-Term Incentive Plan is filed as Exhibit 10.7 to the Fiscal 2022 Form 10-K. On November 15, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/876523/000087652322000074/0000876523-22-000074-index.htm

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