EZCORP, Inc. (EZPW) Q3 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.055 Good morning, ladies. Welcome to the EZCORP third quarter fiscal 00:00:05.055 -- 00:00:10.180 2026 earnings call. At this time, all participants are in listen-only 00:00:10.180 -- 00:00:15.244 mode. Later, we will conduct a question-and-answer session, and instructions will 00:00:15.244 -- 00:00:19.988 follow at that time. As a reminder, this call may be recorded. 00:00:19.988 -- 00:00:24.472 I'd now like to turn the conference over to Sean Mansouri, the company's investor relations 00:00:24.472 -- 00:00:29.775 advisor with Elevate IR. Please go ahead, Sean. 00:00:30.895 -- 00:00:36.018 Thank you, and good morning, everyone. During our prepared remarks, we will refer 00:00:36.018 -- 00:00:41.020 to slides which are available for viewing or download from our website at 00:00:41.020 -- 00:00:43.020 investors.ezycorp.com. 00:00:44.302 -- 00:00:48.704 Before we begin, I'd like to remind everyone that this conference call, as well as the 00:00:48.704 -- 00:00:53.807 presentation slides, contain certain forward-looking statements regarding the company's 00:00:53.807 -- 00:00:58.877 expected operating and financial performance for future periods. 00:00:58.877 -- 00:01:02.958 These statements are based on the company's current expectations. 00:01:03.260 -- 00:01:08.483 Actual results for future periods may differ materially from those expressed 00:01:08.483 -- 00:01:13.827 due to a number of risks or other factors that are discussed in our annual, 00:01:13.827 -- 00:01:19.590 quarterly, and other reports filed with the Securities and Exchange Commission. 00:01:19.590 -- 00:01:25.054 As noted in our presentation materials and otherwise identified, results 00:01:25.054 -- 00:01:31.045 are presented on an adjusted basis to remove the effects ...