EZCORP Q4 adjusted EPS beats estimates driven by higher pawn service charge

EZCORP

13/11/2025 21:24

Overview

Pawn transactions provider EZCORP Q4 revenue rises 14% to $336.8 mln, driven by higher pawn service charges

Adjusted EPS for Q4 beats analyst estimates, rising 36% to $0.34

Adjusted EBITDA for Q4 increases 33% to $47.9 mln, exceeding analyst expectations

Outlook

EZCORP plans to focus on high-return store growth and M&A

Result Drivers

PLO GROWTH - Pawn loans outstanding increased 12% to $307.5 mln, driven by higher average loan sizes and strong pawn demand

STORE EXPANSION - Expanded footprint by 24 stores, including 17 de novo stores and 8 acquired stores, contributing to revenue growth

JEWELRY SCRAP SALES - Jewelry scrap sales increased 91% in Q4, driven by higher gold prices and increased jewelry purchases

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Adjusted EPS
Beat
$0.34
$0.29 (6 Analysts)
Q4 EPS
$0.34
Q4 Net Income
$26.70 mln
Q4 Adjusted EBITDA
Beat
$47.90 mln
$45.60 mln (4 Analysts)
Q4 Gross Profit
$198.60 mln
Q4 Pretax Profit
$36.30 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 5 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the consumer lending peer group is "buy"

Wall Street's median 12-month price target for EZCORP Inc is $23.00, about 21.7% above its November 12 closing price of $18.00

The stock recently traded at 12 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release: ID:nGNX9DF610

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)