EZCORP Form 4: 5,515 RSUs to CAO, vesting by 2028

Rhea-AI Filing Summary

EZCORP (EZPW) reported an insider equity grant. On 11/12/2025, Chief Accounting Officer Michael James Croney was awarded 5,515 restricted stock units (RSUs). Each RSU represents a contingent right to receive one share of Class A Non-Voting Common Stock at vesting.

The RSUs will vest on September 30, 2028, with 80% subject to specified performance goals and continued employment, and 20% subject to continued employment only. The filing notes a reference value of $19.04 (closing price on September 30, 2025). Following the grant, 12,540 derivative securities are beneficially owned, held directly.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Croney Michael James

Role Chief Accounting Officer

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units	5,515	$19.04	$105K

Holdings After Transaction: Restricted Stock Units — 12,540 shares (Direct)

Footnotes (1)

1. Each unit represents a contingent right to receive one share of EZCORP Class A Non-Voting Common Stock at the time of vesting. The units will vest in whole or in part on September 30, 2028, with 80% being subject to the attainment of specified performance goals in addition to continued employment, and the remaining 20% being subject to continued employment only. Closing market value on September 30, 2025. However, no consideration was paid for the award other than services rendered and to be rendered by the Reporting Person.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Croney Michael James

(Last) (First) (Middle)

2500 BEE CAVE ROAD

BLDG. 1, SUITE 200

(Street)

ROLLINGWOOD TX 78746

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
EZCORP INC [ EZPW ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Accounting Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	11/12/2025		A		5,515		(2)	(2)	Class A Non-Voting Common Stock	5,515	$19.04(3)	12,540	D

Explanation of Responses:

1. Each unit represents a contingent right to receive one share of EZCORP Class A Non-Voting Common Stock at the time of vesting.

2. The units will vest in whole or in part on September 30, 2028, with 80% being subject to the attainment of specified performance goals in addition to continued employment, and the remaining 20% being subject to continued employment only.

3. Closing market value on September 30, 2025. However, no consideration was paid for the award other than services rendered and to be rendered by the Reporting Person.

Remarks:

	/s/ Carrie Putnam, by POA from Michael James Croney	11/13/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did EZPW disclose in this Form 4?

An award of 5,515 RSUs to Chief Accounting Officer Michael James Croney on 11/12/2025.

When do the RSUs awarded to EZPW's CAO vest?

They will vest on September 30, 2028, subject to stated conditions.

What portion of the RSUs is performance-based for EZPW (EZPW)?

80% of the RSUs require attainment of specified performance goals and continued employment; 20% require continued employment only.

What is the reference price for the EZPW RSU award?

The filing cites $19.04, the closing market value on September 30, 2025; no cash consideration was paid.

How many derivative securities does the EZPW officer own after this grant?

Beneficial ownership is 12,540 derivative securities, held directly.

What class of shares underlie the EZPW RSUs?

Each unit represents one share of Class A Non-Voting Common Stock upon vesting.