---
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"
generated_at: "2026-05-16T20:44:43.080784+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# EZCORP Q4 net income +76% to $26.7M, EPS $0.34; FY revenue record $1.27B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000876523-25-000095
- JSON: https://secwatch.observer/filing/0000876523-25-000095.json
- Plain text: https://secwatch.observer/filing/0000876523-25-000095.txt

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