EZCORP announced that it will release its fourth‑quarter and full‑year fiscal 2025 results on Thursday, November 13, 2025, after market close. The company will host a webcast and conference call at 9:00 a.m. Eastern on Friday, November 14, 2025, to discuss the results. Presentation slides will be posted on the investor relations website after the market close.
The company’s most recent earnings release, for the quarter ended September 30, 2025, showed a strong performance. Adjusted diluted earnings per share rose to $0.33, beating the consensus estimate of $0.23 by $0.10, or 43%. Total revenue reached $310.98 million, up 11% from $281.42 million in the same quarter of 2024 and beating the $302.25 million consensus by $8.73 million. The beat was driven by an 11% increase in pawn‑loan outstanding to $291.6 million and a corresponding rise in service‑charge income, as well as a 12% lift in merchandise sales revenue.
Management attributed the earnings beat to disciplined cost control and a favorable mix of high‑margin pawn‑service revenue. CEO Lachie Given said the quarter “showed continued strong momentum, disciplined execution, and the scalability of our platform.” The company also highlighted the acquisition of 40 stores in Mexico, which is expected to broaden its geographic footprint and diversify revenue streams.
For the upcoming quarter, EZCORP guided for revenue of $312–$314 million, a modest increase from the $310.98 million reported for Q3. Adjusted operating income guidance was raised to $2.15–$2.16 billion from the prior $2.14 billion, reflecting confidence in maintaining margin expansion as the company scales its digital and in‑store operations. Full‑year guidance was also revised upward: revenue to $4.40–$4.41 billion from $4.14–$4.15 billion, and adjusted operating income to $2.15–$2.16 billion from $2.14 billion.
The company’s segment performance was mixed. U.S. pawn‑service revenue grew 12% year‑over‑year, while Latin‑American merchandise sales increased 9%. Gross margin for pawn services held steady at 32%, whereas merchandise gross margin slipped slightly to 31% from 32% in the prior year, reflecting higher commodity costs and a shift toward lower‑margin inventory. Despite the margin compression in merchandise, the overall gross profit increased by 10% due to the stronger pawn‑service mix.
Management emphasized that the company remains focused on cost discipline, strategic expansion in Mexico, and investment in its digital platform, which is expected to drive long‑term profitability. The guidance signals confidence in sustaining growth momentum while navigating modest headwinds such as commodity‑price volatility and competitive pressure in the pawn‑service market.
The market reacted positively to the Q3 results, with analysts noting the company’s ability to deliver earnings growth while maintaining margin discipline. The Q4 guidance, which raises revenue and operating‑income expectations, is seen as a sign of confidence in the company’s business model and execution capabilities.
Overall, EZCORP’s Q3 2025 results demonstrate a solid trajectory, with revenue and earnings growth driven by strong pawn‑service demand and strategic expansion. The company’s guidance for the final quarter and full year reflects a continued focus on scaling its platform and maintaining profitability in a competitive environment.
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