Slide 1: Investor Presentation
Investor Presentation Q1 2026 NASDAQ: EZPW
Slide 2: Preliminary Statements
PRELIMINARY STATEMENTS FORWARD LOOKING STATEMENTS This presentation contains certain forward-looking statements. These statements are based on the company’s current expectations as to the outcome and timing of future events. All statements, other than statements of historical facts, that address act
Slide 3: EZCORP at a Glance
EZCORP AT A GLANCE COMPANY OVERVIEW WHERE WE OPERATE • Formed in 1989, EZCORP is a leading provider of pawn transactions and seller of pre-owned and recycled merchandise in the United 547 637 153 20 26 States and Latin America. U.S. MEXICO GUATEMALA EL SALVADOR HONDURAS • We increase reach and acces
Slide 4: Financial Highlights
EZCORP FINANCIAL HIGHLIGHTS —
Slide 5: Q1 FY26 Financial Highlights
Q1 FY26 FINANCIAL HIGHLIGHTS ($ millions, except per share amounts) TOTAL REVENUES PAWN LOANS OUTSTANDING $374.5 $307.5 $307.3 $291.6 $336.8 $274.1 $274.8 $311.0 $320.2 $306.3 $295.7 $261.8 $261.7 $285.6 $281.4 $235.8 Q2 FY24 Q2 FY25 Q3 FY24 Q3 FY25 Q4 FY24 Q4 FY25 Q1 FY25 Q1 FY26 Q2 FY24 Q2 FY25 Q3
Slide 6: Q1 FY26 U.S. Segment Overview
Q1 FY26 U.S. SEGMENT OVERVIEW STORE COUNT 547 STORES IN 19 STATES 542 545 547 529 515 MN OR 7 FY22 FY23 FY24 FY25 Q1 FY26 5 WI 3 IA PA • Acquired 3 stores in Texas and consolidated 1 store in the quarter NV 11 1 29 IL IN • On January 12, 2026, completed the previously announced acquisition of El Buf
Slide 7: Q1 FY26 U.S. Segment Highlights
Q1 FY26 U.S. SEGMENT HIGHLIGHTS ($ millions) TOTAL REVENUES PAWN LOANS OUTSTANDING $269.8 $233.8 $239.9 $238.9 $221.1 $214.3 $220.2 $221.4 $232.2 $199.4 $199.3 $220.0 $212.0 $207.6 $199.1 $173.7 Q2 FY24 Q2 FY25 Q3 FY24 Q3 FY25 Q4 FY24 Q4 FY25 Q1 FY25 Q1 FY26 Q2 FY24 Q2 FY25 Q3 FY24 Q3 FY25 Q4 FY24 Q
Slide 8: Q1 FY26 Latin America Segment Overview
Q1 FY26 LATIN AMERICA SEGMENT OVERVIEW STORE COUNT 836 STORES IN 4 COUNTRIES 815 836 702 737 660 FY22 FY23 FY24 FY25 Q1 FY26 • Opened 7 stores, including 5 in Guatemala, 1 in Mexico and 1 in Honduras, and acquired 14 stores in Mexico AVERAGE LOAN SIZE (GAAP) $102 $92 $88 $84 $78 FY22 FY23 FY24 FY25
Slide 9: Q1 FY26 Latin America Highlights
Q1 FY26 LATIN AMERICA HIGHLIGHTS ($ millions) TOTAL REVENUES PAWN LOANS OUTSTANDING $104.7 $73.7 $97.9 $70.8 $91.0 $67.4 $88.0 $62.3 $62.7 $62.7 $62.9 $84.9 $82.4 $83.7 $78.0 $54.6 Q2 FY24 Q2 FY25 Q3 FY24 Q3 FY25 Q4 FY24 Q4 FY25 Q1 FY25 Q1 FY26 Q2 FY24 Q2 FY25 Q3 FY24 Q3 FY25 Q4 FY24 Q4 FY25 Q1 FY25
Slide 10: Recent Highlights
EZCORP RECENT HIGHLIGHTS —
Slide 11: Strategic Acquisition of Founders One
STRATEGIC ACQUISITION OF FOUNDERS ONE TRANSACTION OVERVIEW 105 STORES ACROSS 12 COUNTRIES Acquired controlling interest in Founders One, expanding footprint by 105 pawn stores across 12 countries • Strategic acquisition in pawnbroking — adds stores operating under "La Familia Pawn and Jewelry" and "
Slide 12: Appendix
EZCORP APPENDIX ———Srti‘i‘(C Ol
Slide 13: Record PLO & Revenues Drive Increased Earnings
RECORD PLO & REVENUES DRIVE INCREASED EARNINGS ($ millions, except per share amounts) Q1 GAAP %△ Q1 ADJUSTED %△ FY26 FY25 B/(W) FY26 FY25 B/(W) Pawn Loans Outstanding $314.4 $274.8 14% $307.3 $274.8 12% Total Revenues 382.0 320.2 19% 374.5 320.2 17% Gross Profit $223.0 $185.4 20% $218.9 $185.4 18% E
Slide 14: Definition of Terms
DEFINITION OF TERMS EBITDA Margin = EBITDA ───────── GM General merchandise (non-jewelry) Total Revenue LatAm Latin America, including Mexico and Central America Inventory Turnover = [total cost of sales ÷ days in period] × 365 M Millions ───────────────── average net inventory PLO Pawn loans outsta
Slide 15: Financial Disclosures
FINANCIAL DISCLOSURES GAAP TO NON-GAAP RECONCILIATION In addition to the financial information prepared in conformity with U.S. generally accepted accounting principles (“GAAP”), we provide certain other financial information that is adjusted to exclude the impact of restructuring and restatement ch
Slide 16: GAAP to Non-GAAP Reconciliation Q1 – Consolidated
GAAP TO NON-GAAP RECONCILIATION Q1 – CONSOLIDATED* ($ millions, except per share amounts) FY26 FY25 Adjusted Constant Base Adjustments Adjusted Base Constant Base Adjustments Adjusted Base Currency Impact Currency Revenues $382.0 — $382.0 $(7.5) $374.5 $320.2 — $320.2 PSC Revenues 131.9 — 131.9 (2.3
Slide 17: GAAP to Non-GAAP Reconciliation Q1 – U.S. Segment
GAAP TO NON-GAAP RECONCILIATION Q1 – U.S. SEGMENT* ($ millions) FY26 FY25 Adjusted Base Adjustments Adjusted Base Constant Constant Base Adjustments Adjusted Base Currency Impact Currency Revenues $269.8 $— $269.8 $— $269.8 $232.2 $— $232.2 PSC Revenues 95.2 — 95.2 — 95.2 87.9 — 87.9 Merchandise Gro
Slide 18: GAAP to Non-GAAP Reconciliation Q1 – Latin America Segment
GAAP TO NON-GAAP RECONCILIATION Q1 – LATIN AMERICA SEGMENT* ($ millions) FY26 FY25 Adjusted Constant Base Adjustments Adjusted Base Constant Base Adjustments Adjusted Base Currency Impact Currency Revenues $112.3 $— $112.3 $(7.5) $104.7 $88.0 $— $88.0 PSC Revenues 36.7 — 36.7 (2.3) 34.5 29.2 — 29.2
Slide 19: Consolidated Growth FY24-FY26 Reconciliation
CONSOLIDATED GROWTH FY24-FY26 RECONCILIATION* ($ millions) FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 FY24 FY25 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Continuing Ops PBT $37.7 $28.7 $23.0 $26.3 $115.6 $41.4 $34.4 $34.7 $36.3 $146.8 $59.2 Add Back Net Interest 0.8 0.5 0.6 1.1 3.0 1.1 1.4 3.0 2.8 8.3 3.4 Add Ba
Slide 20: U.S. Pawn Businesses FY24-FY26 Reconciliation
U.S. PAWN BUSINESSES FY24-FY26 RECONCILIATION* ($ millions) FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 FY24 FY25 U.S. Pawn Segment Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Profit before taxes $49.4 $42.5 $37.9 $43.9 $173.7 $54.5 $49.0 $49.6 $54.5 $207.5 $70.7 Add back D&A 2.6 2.5 2.4 2.6 10.1 2.7 2.7 2.7 2.7 10
Slide 21: Latin America Pawn Businesses FY24-FY26 Reconciliation
LATIN AMERICA PAWN BUSINESSES FY24-FY26 RECONCILIATION* ($ millions) FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 FY24 FY25 Latin America Segment Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Profit before taxes $13.9 $11.1 $14.0 $14.0 $52.9 $15.3 $13.9 $15.9 $15.8 $61.0 $20.1 Add back D&A 2.1 2.1 2.1 2.1 8.4 2.0 2.0
Slide 22: Store Expenses to G&A Recast
STORE EXPENSES TO G&A RECAST ($ millions) Consolidated U.S. Segment Latin America Segment Q1 FY25 Q1 FY25 Q1 FY25 LatAm Consolidated U.S. Segment Segment Adjusted, Difference Adjusted, Difference Adjusted, Difference Previously Previously Previously Reported Recast Reported Recast Reported Recast To
Slide 23: Illustrative Pawn Transaction Cycle
ILLUSTRATIVE PAWN TRANSACTION CYCLE Typical Transaction Customer Brings Personal Asset to Asset Type Gold Chain Pawn Store Value assessed $400 Loan to Value 40% to 65% Purchase Pawn Loan (Company Buys (Collateralized with Loan Term 30 to 90 days Asset) Asset) Loan amount $200 Pawn Loan/Purchase 85%/
Slide 24: Thank You
THANK YOU Website Investors.ezcorp.com Email Investor_relations@ezcorp.com Phone Number 512.314.2220 Address 2500 Bee Cave Rd., Bldg. 1, Suite 200, Austin, TX 78746 Social Media LinkedIn: EZCORP Instagram: @ezcorp_official, @ezpawnofficial, @valuepawnofficial Facebook: @ezpawn, @valuepawn TikTok: @o