[Form 4] EZCORP INC Insider Trading Activity

Rhea-AI Filing Summary

EZCORP Inc. (EZPW) reported insider equity activity by its Chief Revenue Officer. On 11/19/2025, the officer acquired 60,007 shares of Class A Non-Voting Common Stock through the vesting and settlement of previously granted restricted stock units at a reference price of $17.82. On the same date, 22,416 shares were disposed of, also at $17.82, which reflects shares withheld, leaving 139,404 shares of this class beneficially owned directly.

In addition, the officer was granted 15,310 new restricted stock units, representing “bonus” units tied to performance for fiscal years 2023, 2024, and 2025, vesting on September 30 of 2025, 2026, and 2027, subject to continued employment. Following the transactions, the officer directly held 88,002 restricted stock units, each representing a contingent right to receive one share of Class A Non-Voting Common Stock upon vesting.

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^*

Swies Nicole

(Last) (First) (Middle)

2500 BEE CAVE RD, 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 Revenue 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		60,007	A	$17.82	161,820	D
Class A Non-Voting Common Stock	11/19/2025		F		22,416	D	$17.82	139,404	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		15,310		(2)	(2)	Class A Non-Voting Common Stock	15,310	$19.04(3)	148,009	D
Restricted Stock Units	(1)	11/19/2025		M			60,007	(4)	(4)	Class A Non-Voting Common Stock	60,007	$0	88,002	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) 8,824 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) 4,123 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) 2,363 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 Nicole Swies	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 EZCORP (EZPW) report on November 19, 2025?

The Chief Revenue Officer acquired 60,007 shares of EZCORP Class A Non-Voting Common Stock on 11/19/2025 through the settlement of restricted stock units and disposed of 22,416 shares on the same date.

How many EZCORP (EZPW) shares does the reporting officer own after this Form 4?

After the reported transactions, the officer beneficially owned 139,404 shares of EZCORP Class A Non-Voting Common Stock in direct ownership.

What new equity awards were granted to the EZCORP (EZPW) officer?

The officer received 15,310 restricted stock units, described as bonus units tied to performance goals for fiscal 2023, 2024, and 2025, each unit representing a right to one share upon vesting.

What are the vesting conditions and dates for the new EZCORP restricted stock units?

The bonus units vest as follows, subject to continued employment and achievement of specified performance goals: 8,824 units vest on September 30, 2025, 4,123 units on September 30, 2026, and 2,363 units on September 30, 2027.

How many restricted stock units does the EZCORP (EZPW) officer hold after the transactions?

Following the reported activity, the officer beneficially owned 88,002 restricted stock units, each linked to one share of Class A Non-Voting Common Stock upon vesting.

Was cash consideration paid for the new EZCORP restricted stock unit award?

No cash consideration was paid for the new award; the filing notes that consideration consisted of services rendered and to be rendered by the reporting person.

What performance-related condition was met for the vested EZCORP units on November 19, 2025?

The filing states that the units vested on November 19, 2025 after specified performance goals were achieved, triggering settlement into shares.