Ezcorp, Inc. · NASDAQ:EZPW
Ezcorp — Q3 2026 Earnings Presentation
25 slides from Ezcorp's earnings presentation, Aug 6, 2026
Slide 1: Investor Presentation
Investor Presentation Q3 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 1,549 626 642 191 20 transactions and seller of pre-owned and recycled STORES U.S.3 MEXICO GUATEMALA EL SALVADOR merchandise in the United States, Latin America and the 9,700 28 21 9 12 Caribb
Slide 4: Financial Highlights
EZCORP FINANCIAL HIGHLIGHTS —
Slide 5: Q3 FY26 Financial Highlights
Q3 FY26 FINANCIAL HIGHLIGHTS ($ millions, except per share amounts) TOTAL REVENUES PAWN LOANS OUTSTANDING • Revenues of $408.4M, up 31%, driven by higher merchandise sales, new stores • Record PLO of $382.0M, up 31%, driven by new stores (including SMG), strong (including SMG), PSC, and scrap custom
Slide 6: Q3 FY26 Consolidated Growth
Q3 FY26 CONSOLIDATED GROWTH ($ millions) TOTAL REVENUES EBITDA • Revenues of $408.4M, up 31%, with second quarter of SMG consolidation, same- • EBITDA of $65.6M, up 48%, reflecting strong operating leverage on revenue growth store growth and gold scrap tailwind and elevated scrap gross profit • PSC
Slide 7: Q3 FY26 U.S. Segment Overview
Q3 FY26 U.S. SEGMENT OVERVIEW STORE COUNT 560 STORES IN 19 STATES OR 5 • Acquired 1 store during the quarter AVERAGE LOAN SIZE GA 8 • Average loan size up 16%, primarily driven by the increase in jewelry composition and gold price • PLO jewelry composition increased to 69%, up 420 bps 7
Slide 8: Q3 FY26 U.S. Segment Highlights
Q3 FY26 U.S. SEGMENT HIGHLIGHTS ($ millions) TOTAL REVENUES PAWN LOANS OUTSTANDING • Total revenues up $31.3M or 14%, over half attributable to core pawn • PLO up 15%, (13% on a same-store basis), driven by increased average loan size • PSC up 13%, primarily driven by same-store PLO growth and conti
Slide 9: Q3 FY26 Latin America Segment Overview
Q3 FY26 LATIN AMERICA SEGMENT OVERVIEW STORE COUNT 881 STORES IN 4 COUNTRIES • In April 2026, acquired 33 stores in Guatemala • During the quarter, opened 9 stores, including 5 in Mexico, 3 in Guatemala, and 1 in Honduras AVERAGE LOAN SIZE (GAAP) • Average loan size up 28% (up 18% on a constant curr
Slide 10: Q3 FY26 Latin America Highlights
Q3 FY26 LATIN AMERICA HIGHLIGHTS ($ millions) TOTAL REVENUES PAWN LOANS OUTSTANDING • Record revenues up $23.1M or 25%, approx. half attributable to merchandise sales • PLO up 33% (28% on a same-store basis), driven by average loan size, strong loan • PSC up 26%, driven by same-store PLO growth and
Slide 11: Q3 FY26 SMG Segment Overview & Highlights
Q3 FY26 SMG SEGMENT OVERVIEW & HIGHLIGHTS OVERVIEW 108 STORES ACROSS 12 COUNTRIES • Acquired the remaining membership interests in Founders, resulting in 100% ownership of Founders • Acquired additional shares in SMG from minority shareholders, increasing Arkansas 6 ownership to 97.4% at end of quar
Slide 12: Appendix
EZCORP APPENDIX ———Srti‘ ail
Slide 13: Record Earning Assets Drive Increased Earnings
RECORD EARNING ASSETS DRIVE INCREASED EARNINGS ($ millions, except per share amounts) Q3 GAAP %△ Q3 ADJUSTED %△ FY26 FY25 B/(W) FY26 FY25 B/(W) Pawn Loans Outstanding $387.2 $291.6 33% $382.0 $291.6 31% Total Revenues 418.7 311.0 35% 408.4 311.0 31% Gross Profit $246.2 $183.6 34% $240.3 $183.6 31% E
Slide 14: Definition of Terms
DEFINITION OF TERMS EBITDA Margin = EBITDA Core Pawn Revenues excluding scrap sales ───────── Revenues Total Revenue Core Pawn Gross profit excluding scrap gross profit Gross Profit GM General merchandise (non-jewelry) Inventory Turnover = [total cost of sales ÷ days in period] × 365 ───────────────
Slide 15: Financial Disclosures
FINANCIAL DISCLOSURES GAAP TO NON-GAAP RECONCILIATION In addition to the financial information prepared in conformity with U.S. generally accepted accounting principles (“GAAP”), we provide certain other financial information that is adjusted to exclude the impact of restructuring and restatement ch
Slide 16: GAAP to Non-GAAP Reconciliation Q3 Consolidated
GAAP TO NON-GAAP RECONCILIATION Q3 – CONSOLIDATED* ($ millions, except per share amounts) FY26 FY25 Base Adjustments Adjusted Base Constant Currency Adjusted Base Adjustments Adjusted Base Impact Constant Currency Revenues $418.7 — $418.7 $(10.3) $408.4 $311.0 — $311.0 PSC Revenues 152.5 — 152.5 (3.
Slide 17: GAAP to Non-GAAP Reconciliation Q3 U.S. Segment
GAAP TO NON-GAAP RECONCILIATION Q3 – U.S. SEGMENT* ($ millions) FY26 FY25 Constant Adjusted Base Adjustments Adjusted Base Currency Impact Constant Base Adjustments Adjusted Base Currency Revenues $251.2 $— $251.2 $— $251.2 $220.0 $— $220.0 PSC Revenues 95.2 — 95.2 — 95.2 83.9 — 83.9 Merchandise Sal
Slide 18: GAAP to Non-GAAP Reconciliation Q3 Latin America Segment
GAAP TO NON-GAAP RECONCILIATION Q3 – LATIN AMERICA SEGMENT* ($ millions) FY26 FY25 Constant Adjusted Base Adjustments Adjusted Base Currency Impact Constant Base Adjustments Adjusted Base Currency Revenues $124.4 $— $124.4 $(10.3) $114.1 $91.0 $— $91.0 PSC Revenues 42.9 — 42.9 (3.4) 39.6 31.4 — 31.4
Slide 19: GAAP to Non-GAAP Reconciliation Q3 SMG
GAAP TO NON-GAAP RECONCILIATION Q3 – SMG* ($ millions) FY26 Base Adjustments Adjusted Base Constant Currency Adjusted Constant Impact Currency Revenues $43.1 $— $43.1 $— $43.1 PSC Revenues 14.3 — 14.3 — 14.3 Merchandise Sales 17.1 — 17.1 — 17.1 Core Pawn Revenues $31.4 $— $31.4 $— $31.4 Merchandise
Slide 20: Consolidated Growth FY24-FY26 Reconciliation
CONSOLIDATED GROWTH FY24-FY26 RECONCILIATION* ($ millions, except for per share amounts) FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 FY26 FY26 FY24 FY25 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 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 $65.5 $52.0 Add Back Net I
Slide 21: U.S. Pawn Businesses FY24-FY26 Reconciliation
U.S. PAWN BUSINESSES FY24-FY26 RECONCILIATION* ($ millions) FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 FY26 FY26 FY24 FY25 U.S. Pawn Segment Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 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 $78.1 $61.6 Add back D&A 2.6 2.5 2.4
Slide 22: Latin America Pawn Businesses FY24-FY26 Reconciliation
LATIN AMERICA PAWN BUSINESSES FY24-FY26 RECONCILIATION* ($ millions) FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 FY26 FY26 FY24 FY25 Latin America Segment Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 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 $19.1 $24.8 Add back D&A
Slide 23: Recast of Store Expenses to G&A
RECAST OF STORE EXPENSES TO G&A ($ millions) Consolidated U.S. Segment Latin America Segment Q3 FY25 Consolidated Q3 FY25 U.S. Segment Q3 FY25 Latin America Difference Difference Segment Adjusted, Adjusted, Adjusted, Difference Previously Previously Previously Reported Recast Reported Recast Reporte
Slide 24: 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 25: Thank You
T H A N K YO U 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 TikTo