[Form 4] EZCORP INC Insider Trading Activity

Rhea-AI Filing Summary

EZCORP, Inc. executive reports equity award activity and share transactions. Chief Human Resources Officer Lisa VanRoekel reported several transactions in Class A Non-Voting Common Stock on 11/19/2025. She acquired 57,855 shares through the vesting and settlement of restricted stock units at a reference price of $17.82, and had 120,150 shares beneficially owned afterward. On the same date, she had 22,768 shares withheld at $17.82, typically reflecting tax withholding. She also received a new grant of 16,317 restricted stock units tied to performance goals for fiscal 2023, 2024, and 2025, vesting between September 2025 and September 2027, and held 172,834 derivative securities (RSUs) following these transactions.

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

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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^*

VANROEKEL LISA

(Last) (First) (Middle)

2500 BEE CAVE ROAD

BUILDING 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 Human Resources Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/19/2025

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
Class A Non-Voting Common Stock	11/19/2025		M		57,855	A	$17.82	142,918	D
Class A Non-Voting Common Stock	11/19/2025		F		22,768	D	$17.82	120,150	D

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)	11/19/2025		A		16,317		(2)	(2)	Class A Non-Voting Common Stock	16,317	$19.04(3)	172,834	D
Restricted Stock Units	(1)	11/19/2025		M			57,855	(4)	(4)	Class A Non-Voting Common Stock	57,855	$0	114,979	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. Represents the following "bonus" units (1) 8,507 attributable to the fiscal 2023 Restricted Stock Unit award earned with achievement of the specified performance goal for fiscal 2023 and vesting on September 30, 2025, subject to continued employment, plus (2) 4,242 attributable to the fiscal 2024 Restricted Stock Unit award earned with achievement of the specified performance goal for fiscal 2024 and vesting on September 30, 2026, subject to continued employment, plus (3) 3,568 attributable to the fiscal 2025 Restricted Stock Unit award earned with achievement of the specified performance goal for fiscal 2025 and vesting on September 30, 2027, subject to continued employment.

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.

4. The units vested on November 19, 2025 after specified performance goals were achieved.

Remarks:

	/s/ Carrie Putnam, by POA from Lisa VanRoekel	11/20/2025
	** 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 insider transaction did EZPW report for Lisa VanRoekel on 11/19/2025?

EZCORP’s Chief Human Resources Officer Lisa VanRoekel reported multiple transactions on 11/19/2025, including the vesting and settlement of restricted stock units into 57,855 shares of Class A Non-Voting Common Stock and related share withholding.

How many EZPW shares does the executive beneficially own after the reported Form 4 transactions?

After the reported transactions, Lisa VanRoekel beneficially owned 120,150 shares of EZCORP Class A Non-Voting Common Stock directly.

What new restricted stock units were granted to the EZPW executive?

On 11/19/2025, Lisa VanRoekel received a grant of 16,317 restricted stock units, each representing a contingent right to receive one share of EZCORP Class A Non-Voting Common Stock at vesting.

How are the 16,317 EZPW restricted stock units allocated across performance years?

The 16,317 units represent “bonus” units: 8,507 tied to the fiscal 2023 award vesting on September 30, 2025, 4,242 tied to fiscal 2024 vesting on September 30, 2026, and 3,568 tied to fiscal 2025 vesting on September 30, 2027, each subject to continued employment.

What was the reference market value used in the EZPW RSU award on 9/30/2025?

The restricted stock unit award used a closing market value of $19.04 on September 30, 2025, though no cash consideration was paid other than services rendered and to be rendered by the executive.

How many EZPW derivative securities (RSUs) does the executive hold after these transactions?

Following the reported activity, Lisa VanRoekel held 172,834 derivative securities in the form of restricted stock units linked to EZCORP Class A Non-Voting Common Stock.

What does the Form 4 say about the vesting of the 57,855 EZPW restricted stock units?

The 57,855 restricted stock units vested on November 19, 2025 after specified performance goals were achieved, resulting in the acquisition of the same number of EZCORP Class A Non-Voting Common shares.