EZCORP, Inc. Q4 2025 Earnings Recap

EZPW Q4 2025 November 17, 2025

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EZCORP reported transformative fiscal 2025 results, with record revenue growth of 12% year-over-year and a net income increase of 30%, significantly enhancing shareholder value.

Earnings Per Share Beat

$0.34 vs $0.29 est.

+17.2% surprise

Revenue Miss

336813000 vs 347950000 est.

-3.2% surprise

Market Reaction

1-Day +0.9%

5-Day +0.51%

30-Day +18.48%

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Key Takeaways

Record revenue reached $1.3 billion, with adjusted EBITDA rising 26% to $191.2 million, boosting margins to 14.7%.
Store count expanded to 1,360 across five countries, including the addition of 24 new stores in Q4 alone.
Cash position increased to $469.5 million from $170.5 million year-over-year, bolstered by a $300 million senior notes offering.
PLO balance increased 11% to $303.9 million, driven by strong consumer demand and elevated average loan sizes.
Digital adoption accelerated with online payments up 42% year-over-year, exemplifying robust customer engagement across multiple channels.

This summary was generated by AI from the official earnings call transcript and is provided for informational purposes only. It does not constitute financial advice. For the complete transcript and financial data, visit EZPW on AllInvestView.

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