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EZCORP
EZCORP (EZPW) investor relations material
EZCORP Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary5 Feb, 2026
Executive summary
Net income rose 43% year-over-year to $44.3 million, with adjusted net income up 38% to $43.9 million, driven by strong U.S. and Latin America pawn operations.
Diluted EPS increased 38% to $0.55, and adjusted EBITDA grew 36% to $70.3 million.
Total revenues climbed 19% to $382.0 million, with gross profit up 20% to $223.0 million.
Pawn loans outstanding (PLO) grew 14% to $314.4 million, reflecting strong demand and higher average loan size.
Store footprint expanded to 1,500 locations across 16 countries, including major acquisitions of Founders One and El Bufalo Pawn.
Financial highlights
Merchandise sales reached $210.1 million, up 13%, and pawn service charges increased 13% to $131.9 million.
Gross margin on merchandise sales improved to 37%, and jewelry scrap sales gross margin rose from 23% to 34%.
Adjusted EBITDA margin was approximately 18.4%, with net income up 43% to $44.3 million.
Cash and cash equivalents stood at $465.9 million at quarter-end.
Inventory increased 27% to $253.4 million, with turnover at 2.5x.
Outlook and guidance
Management expects continued growth through organic expansion and acquisitions, supported by a highly liquid balance sheet.
Recent acquisitions are expected to be immediately accretive and provide a platform for further international growth.
Q2 momentum expected to remain favorable, with tax refund season and high gold prices supporting activity.
Anticipates two quarters of elevated scrap gross profit margin if gold prices remain high, before normalizing.
Sufficient liquidity is anticipated to fund operations, debt service, investments, and capital needs over the next twelve months.
SMG integration strategy and synergies
Inventory trends and aged merchandise strategy
LatAm growth vs. rising labor costs impact
US M&A strategy post-SMG acquisition
Scrap margin normalization timeline
Operational execution driving organic growth
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Next EZCORP earnings date
Q2 202628 Apr, 2026
EZCORP
Next EZCORP earnings date
Q2 202628 Apr, 2026
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Frequently asked questions
EZCORP Inc is a holding company, which engages in the business of pawn and specialty retail lending services in the United States. The Company operates through three segments: U.S. Pawn, Latin America Pawn and Other Investments. It offers loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods or musical instruments. EZCORP Inc was incorporated in 1989 and is headquartered in Austin, Texas.
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