Welcome to our dedicated page for Ezcorp SEC filings (Ticker: EZPW), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
EZCORP, Inc. filings document operating results, financial condition, governance and capital-structure matters for its pawn and pre-owned merchandise business. Recent Form 8-K reports include results of operations and financial condition releases, with GAAP measures and non-GAAP adjusted and constant-currency metrics used to present U.S. Pawn and Latin America Pawn activity.
Governance disclosures describe the company’s annual meeting, board election matters and stockholder voting structure. The filings identify publicly traded Class A Non-Voting Common Stock and Class B Voting Common Stock held by the voting stockholder, making capital rights and voting control recurring disclosure subjects for EZPW.
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.
EZCORP, Inc. delivered a strong quarter for the three months ended December 31, 2025, with total revenues rising to $382.0 million from $320.2 million and net income increasing to $44.3 million from $31.0 million. Basic earnings per share were $0.72 versus $0.57, while diluted EPS improved to $0.55 from $0.40.
Growth was broad-based: U.S. Pawn gross profit rose 16% to $160.7 million, helped by higher pawn service charges, stronger merchandise margins and a sharp increase in jewelry scrap profits. Latin America Pawn gross profit climbed 33% to $62.3 million, with higher pawn loans, better merchandise margins and contributions from new and acquired stores.
The balance sheet remained robust, with total assets of $2.0 billion, equity of $1.07 billion, and cash and cash equivalents of $465.9 million. Long-term debt stood at $518.6 million, primarily the 3.750% Convertible Senior Notes due 2029 and 7.375% Senior Notes due 2032. The Board also authorized a new $50 million share repurchase program.
After quarter-end, EZCORP agreed two notable deals: acquiring an 87.7% controlling interest in Founders One, LLC, which operates pawn stores across the U.S. and 11 other countries, for estimated consideration of about $64.4 million, and buying 12 “El Bufalo Pawn” stores in Texas for approximately $27.5 million.
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.
EZCORP Inc. (EZPW) CEO and director Lachlan P. Given reported equity award activity. On 11/19/2025, 352,786 shares of Class A Non-Voting Common Stock were acquired through the exercise of previously granted restricted stock units at a reference price of $17.82, and 56,273 shares were withheld at the same price to cover tax obligations, leaving 1,072,327 shares owned directly.
The filing also reports a new grant of 110,155 restricted stock units tied to performance-based awards for fiscal 2023, 2024, and 2025, vesting on September 30, 2025, 2026, and 2027, subject to continued employment. After these transactions, Given holds 871,929 restricted stock units, each representing a right to receive one share upon vesting.
EZCORP Inc. (EZPW) reported equity compensation activity for its Chief Financial Officer on a Form 4 dated with an earliest transaction date of 11/19/2025. The filing shows the exercise of 88,195 restricted stock units into shares of Class A Non-Voting Common Stock at a reference price of $17.82, followed by the disposition of 35,201 shares at the same price, which appears consistent with shares withheld to cover obligations. After these transactions, the officer directly owned 202,835 shares of Class A Non-Voting Common Stock.
In addition, the officer received a new grant of 29,482 restricted stock units, each representing a right to receive one EZCORP Class A Non-Voting share upon vesting. These units relate to performance-based awards for fiscal years 2023, 2024, and 2025, with vesting dates on September 30, 2025, September 30, 2026, and September 30, 2027, subject to continued employment and achievement of specified performance goals.
EZCORP, Inc. (EZPW) Chief Operating Officer John Blair Powell, Jr. filed a Form 4 reporting equity-based compensation activity. On 11/19/2025, 145,522 restricted stock units were settled into shares of Class A Non-Voting Common Stock at a price of $17.82 per share, increasing his directly held position to 291,505 shares before a same-day disposition coded "F" of 57,266 shares at $17.82, resulting in 234,239 shares held directly.
Powell also received a grant of 46,648 restricted stock units, linked to performance awards for fiscal 2023, 2024 and 2025, with a referenced value of $19.04 per unit as of September 30, 2025. Following these derivative transactions, he reported 371,385 restricted stock units beneficially owned.
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.
EZCORP Inc. (EZPW) reported insider equity activity by its Chief Legal Officer, Ellen Bryant. On 11/19/2025, she acquired 53,622 shares of Class A Non-Voting Common Stock through the settlement of previously granted restricted stock units at a reference price of $17.82 per share, then had 21,103 shares withheld in a transaction coded "F" at the same price, leaving 167,786 shares beneficially owned directly.
On the same date, she was granted 16,020 new restricted stock units, each representing a contingent right to one share of Class A Non-Voting Common Stock. These units relate to performance-based awards for fiscal 2023, 2024, and 2025, with vesting scheduled on September 30, 2025, 2026, and 2027, subject to continued employment and achievement of specified performance goals.
EZCORP Inc. (EZPW) reported insider equity activity by its Chief Audit/LP Executive on 11/19/2025. The officer exercised restricted stock units, converting 49,388 units into shares of Class A Non-Voting Common Stock at an exercise price of $0, and then had 12,028 shares disposed of under transaction code F at $17.82 per share, typically used for tax withholding. After these transactions, the officer beneficially owned 103,602 Class A Non-Voting Common shares directly.
The filing also shows a new award of 13,153 restricted stock units, representing “bonus” units tied to performance goals for fiscal 2023, 2024, and 2025, with vesting dates on September 30 in 2025, 2026, and 2027, subject to continued employment. Following the grant and vesting activity, the officer held 81,754 restricted stock units directly, each representing a contingent right to receive one EZCORP Class A Non-Voting Common share upon vesting.
EZCORP, Inc. (EZPW) reported an equity award to its Chief Accounting Officer on a Form 4. On 11/19/2025, the officer acquired 702 restricted stock units (RSUs) of EZCORP Class A Non-Voting Common Stock as a bonus tied to the fiscal 2025 restricted stock unit award. Each unit represents a contingent right to receive one share when it vests.
The 702 bonus RSUs were earned based on achievement of a specified fiscal 2025 performance goal and will vest on September 30, 2027, subject to continued employment. Following this transaction, the officer beneficially owns 13,242 RSUs. The award was valued using a closing market price of $19.04 on September 30, 2025, but no cash consideration was paid other than services rendered and to be rendered.