EZCORP (EZPW) shares quarterly results and non-GAAP metrics details

Rhea-AI Filing Summary

EZCORP, Inc. filed a current report to announce that it has released its results of operations and financial condition for the quarter ended December 31, 2025, via a press release attached as an exhibit.

The company explains that, alongside GAAP figures, it uses non-GAAP measures such as constant currency and adjusted results, mainly to evaluate its Latin America pawn operations that function in various local currencies. These metrics are presented as supplemental to GAAP results, intended to help compare performance across periods.

EZCORP also notes that management’s earnings presentation for the same quarter will be posted in the Investor Relations section of its website in connection with an earnings conference call on February 5, 2026.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_______________________________________________________ 

FORM 8-K

_______________________________________________________ 

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): February 4, 2026

_______________________________________________ 

EZCORP, Inc.

(Exact name of registrant as specified in its charter)

 _______________________________________________________ 

Delaware

0-19424

74-2540145

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

2500 Bee Cave Road, Bldg One, Suite 200, Rollingwood, Texas 78746

(Address of principal executive offices) (zip code)

Registrant’s telephone number, including area code: (512) 314-3400

_______________________________________________________ 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Class A Non-voting Common Stock, par value $.01 per share

EZPW

NASDAQ Stock Market

(NASDAQ Global Select Market)

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 — Results of Operations and Financial Condition

On February 4, 2026, EZCORP, Inc. (“EZCORP”) issued a press release announcing its results of operations and financial condition for the quarter ended December 31, 2025. A copy of that press release is attached as Exhibit 99.1.

In addition to the financial information prepared in conformity with U.S. generally accepted accounting principles (“GAAP”), we provide certain other non-GAAP financial information on a constant currency (“constant currency”) and adjusted basis. We use constant currency results to evaluate our Latin America Pawn operations, which are denominated primarily in Mexican pesos, Guatemalan quetzales and other Latin American currencies. We believe that presentation of constant currency and adjusted results is meaningful and useful in understanding the activities and business metrics of our operations and reflect an additional way of viewing aspects of our business that, when viewed with GAAP results, provide a more complete understanding of factors and trends affecting our business. We provide non-GAAP financial information for informational purposes and to enhance understanding of our GAAP consolidated financial statements. We use this non-GAAP financial information primarily to evaluate and compare operating results across accounting periods.

Readers should consider the information in addition to, but not instead of or superior to, our financial statements prepared in accordance with GAAP. This non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes.

The information set forth under this Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference in any filing made by EZCORP under the Securities Act of 1933 or the Securities Exchange Act of 1934.

Item 7.01 — Regulation FD Disclosure

A copy of the presentation materials that management will review during the Company’s earnings conference call (to be held on February 5, 2026) will be posted in the Investor Relations section of the company’s website at www.ezcorp.com.

The information set forth, or referred to, in this Item 7.01 shall not be deemed “filed” for purposes of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any registration statement or other filing made by EZCORP under the Securities Act of 1933 or the Securities Exchange Act of 1934, unless such subsequent filing specifically references this Item 7.01 of this Report.

Item 9.01 — Financial Statements and Exhibits

(d) Exhibits.

99.1			Press Release, dated February 4, 2026, announcing EZCORP, Inc.’s results of operations and financial condition for the period ended December 31, 2025.
104			Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

EZCORP, INC.

Date:

February 4, 2026

By:

/s/ Timothy K. Jugmans

Timothy K. Jugmans

Chief Financial Officer

FAQ

What did EZCORP (EZPW) disclose in its latest 8-K filing?

EZCORP disclosed that it issued a press release announcing results of operations and financial condition for the quarter ended December 31, 2025. The filing also notes related earnings materials and explains the company’s use of certain non-GAAP financial measures alongside GAAP results.

Does EZCORP (EZPW) use non-GAAP financial measures in its reporting?

Yes. EZCORP uses non-GAAP measures on a constant currency and adjusted basis, particularly for its Latin America Pawn operations. These are presented in addition to GAAP results to help evaluate performance across accounting periods and understand factors and trends affecting its business metrics.

How does EZCORP (EZPW) describe its constant currency reporting?

EZCORP uses constant currency results to evaluate its Latin America Pawn operations, which are denominated mainly in Mexican pesos, Guatemalan quetzales and other Latin American currencies. This approach is intended to remove exchange-rate effects when comparing performance over time alongside its standard GAAP financial statements.

Where can investors find EZCORP’s (EZPW) earnings presentation materials?

EZCORP states that presentation materials reviewed during its earnings conference call on February 5, 2026 will be posted in the Investor Relations section of its website at www.ezcorp.com. These slides are meant to accompany the previously issued quarterly earnings press release.

Are EZCORP’s (EZPW) non-GAAP figures treated as filed financial statements?

No. The 8-K indicates that the earnings press release and related information, including certain non-GAAP metrics, are furnished and not deemed filed under the Securities Exchange Act of 1934. They are not automatically incorporated into other SEC filings unless specifically referenced.