EZCORP COO awarded RSUs, exercises 145K units

EZCORP Chief Operating Officer John Blair Powell Jr. was granted 46,648 Restricted Stock Units and on November 19, 2025 converted 145,522 units into Class A Non-Voting Common Stock, with 57,266 shares withheld to cover taxes.

Rhea-AI Filing Summary

EZCORP Chief Operating Officer John Blair Powell Jr. was granted 46,648 Restricted Stock Units and on November 19, 2025 converted 145,522 units into Class A Non-Voting Common Stock, with 57,266 shares withheld to cover taxes. After these transactions he directly holds 234,239 shares and 371,385 RSUs.

Insider Trade Summary

145,522 shares exercised/converted

Exercise 4 txns

Insider Powell John Blair Jr.

Role Chief Operating Officer

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units	46,648	$19.04	$888K
Exercise	Restricted Stock Units	145,522	$0.00	$0.00
Exercise	Class A Non-Voting Common Stock	145,522	$17.82	$2.59M
Exercise Price or Tax Liability	Class A Non-Voting Common Stock	57,266	$17.82	$1.02M

Holdings After Transaction: Restricted Stock Units — 371,385 contracts (Direct); Class A Non-Voting Common Stock — 234,239 shares (Direct)

Footnotes (4)

1. F1. Each unit represents a contingent right to receive one share of EZCORP Class A Non-Voting Common Stock at the time of vesting.
2. F2. Represents the following "bonus" units (1) 21,399 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) 14,545 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) 10,704 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. F3. 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. F4. These units vested on November 19, 2025 after specified performance goals were achieved.

Key Figures

RSU grant: 46,648 units RSUs converted: 145,522 units Shares withheld for taxes: 57,266 shares +4 more

7 metrics

RSU grant 46,648 units Restricted Stock Units granted to COO on November 19, 2025

RSUs converted 145,522 units Restricted Stock Units converted into Class A Non-Voting Common Stock on November 19, 2025

Shares withheld for taxes 57,266 shares Class A Non-Voting Common Stock withheld to satisfy tax liability on November 19, 2025

RSU valuation reference $19.04 per unit Closing market value on September 30, 2025 referenced for RSU award

Share price in tax transaction $17.82 per share Per-share value used in Class A Non-Voting Common Stock tax-withholding disposition

Post-transaction RSU holdings 371,385 units Direct Restricted Stock Unit holdings of COO after reported transactions

Post-transaction share holdings 234,239 shares Direct Class A Non-Voting Common Stock holdings of COO after reported transactions

Key Terms

Restricted Stock Units, Class A Non-Voting Common Stock, tax-withholding disposition, contingent right, +1 more

5 terms

Restricted Stock Units financial

"Each unit represents a contingent right to receive one share of EZCORP Class A Non-Voting Common Stock"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

Class A Non-Voting Common Stock financial

"Each unit represents a contingent right to receive one share of EZCORP Class A Non-Voting Common Stock"

A Class A non-voting common stock is an ownership share that gives the holder the same economic benefits as regular common stock—such as dividends and any rise in value—but does not give the holder the right to vote on corporate decisions or board elections. For investors this matters because it affects control and influence over the company’s strategy: you can share in profits or losses like a shareholder, but you cannot help decide how the company is run, similar to renting out a property’s income without holding the deed.

tax-withholding disposition financial

"Payment of exercise price or tax liability by delivering securities"

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

contingent right financial

"Each unit represents a contingent right to receive one share of EZCORP Class A Non-Voting Common Stock"

performance goal financial

"award earned with achievement of the specified performance goal for fiscal 2023 and vesting on September 30, 2025"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transactions did EZPW COO John Blair Powell Jr. report?

He reported a grant of 46,648 RSUs, conversion of 145,522 units into Class A Non-Voting Common Stock, and tax withholding of 57,266 shares. All transactions occurred on November 19, 2025 and relate to performance-based equity awards.

How many EZPW Restricted Stock Units were granted to the COO?

John Blair Powell Jr. received 46,648 Restricted Stock Units. Footnotes describe these as "bonus" units tied to fiscal 2023, 2024 and 2025 performance goals, with tranches of 21,399, 14,545 and 10,704 units vesting between 2025 and 2027.

What EZPW share holdings does the COO have after these Form 4 transactions?

After the reported transactions, he directly holds 234,239 Class A Non-Voting Common shares and 371,385 Restricted Stock Units. These figures represent his post-transaction equity positions as reported in the filing’s holdings summary.

How many EZPW shares were converted and withheld for taxes in this Form 4?

145,522 Restricted Stock Units were converted into Class A Non-Voting Common Stock, and 57,266 shares were withheld to satisfy tax obligations. The withholding is reported as a tax-related disposition, not as an open-market sale.

How are EZPW Restricted Stock Units structured for the COO’s awards?

Each Restricted Stock Unit represents a contingent right to receive one Class A Non-Voting Common share at vesting. Certain units are earned upon achieving specified performance goals for fiscal years 2023–2025 and vest on future September 30 dates.

Does the EZPW Form 4 indicate a Rule 10b5-1 trading plan for these transactions?

The filing does not indicate that these transactions were executed under a Rule 10b5-1 trading plan. The plan-status checkbox is not marked and the footnotes describe award and performance details rather than any pre-arranged trading program.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 11/20/2025 - 03:48 PM Learn about SEC filing dates

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^*

Powell John Blair Jr.

(Last) (First) (Middle)

2500 BEE CAVE RD., BLD 1 STE 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 Operating 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		145,522	A	$17.82	291,505	D
Class A Non-Voting Common Stock	11/19/2025		F		57,266	D	$17.82	234,239	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		46,648		(2)	(2)	Class A Non-Voting Common Stock	46,648	$19.04(3)	516,907	D
Restricted Stock Units	(1)	11/19/2025		M			145,522	(4)	(4)	Class A Non-Voting Common Stock	145,522	$0	371,385	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) 21,399 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) 14,545 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) 10,704 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. These units vested on November 19, 2025 after specified performance goals were achieved.

Remarks:

	/s/ Carrie Putnam, by POA from John Blair Powell, Jr.	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.
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