{"schema_version":"secwatch.filing_event.v1","accession":"0000876523-25-000095","form_type":"8-K","ticker":"EZPW","cik":"0000876523","company_name":"EZCORP INC","filed_at":"2025-11-13T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.434614+00:00","generated_at":"2026-05-16T20:44:43.080784+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"EZCORP Q4 net income +76% to $26.7M, EPS $0.34; FY revenue record $1.27B","bullets":["Q4 net income $26.7M (76% YoY increase); diluted EPS $0.34 (62% increase); adjusted diluted EPS $0.34 (36% increase).","Q4 total revenue $336.8M (+14%); gross profit $198.6M (+13%); adjusted EBITDA $47.9M (+33%).","Full-year revenue $1,274.3M (+10%); net income $109.6M (+$26.5M); diluted EPS $1.42 (+29%).","Pawn loans outstanding record $307.5M (+12%); store count grew by 81 to 1,360 stores (52 acquired, 40 opened de novo).","Cash increased to $469.5M from $170.5M, driven by $300M Senior Notes due 2032 issuance and operating cash flow."],"urls":{"canonical":"https://secwatch.observer/filing/0000876523-25-000095","json":"https://secwatch.observer/filing/0000876523-25-000095.json","markdown":"https://secwatch.observer/filing/0000876523-25-000095.md","text":"https://secwatch.observer/filing/0000876523-25-000095.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/876523/000087652325000095/0000876523-25-000095-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/876523/000087652325000095/ezpw-20251113.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T20:44:43.080784+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"}