secwatch.observer — SEC 8-K summary
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Issuer:     EZCORP INC (EZPW)
CIK:        0000876523
Form:       8-K
Filed at:   2025-11-13T23:59:59+00:00
Accession:  0000876523-25-000095
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/876523/000087652325000095/0000876523-25-000095-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/876523/000087652325000095/ezpw-20251113.htm
  HTML page:      https://secwatch.observer/filing/0000876523-25-000095

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer