Ezcorp Inc (EZPW) — SEC Filings
Ezcorp Inc (EZPW) — 21 SEC filings. Latest: 10-K (Nov 13, 2025). Includes 11 8-K, 5 10-Q, 3 SC 13G/A.
Overview
Ezcorp Inc (EZPW) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-K filed on Nov 13, 2025: EZCORP INC, a leading pawn service provider, reported a closing Pawn Loans Outstanding (PLO) balance of $307.5 million as of September 30, 2025. Pawn service charges (PSC) constituted approximately 37% of total revenues and 64% of gross profit in fiscal 2025, indicating a strong reliance on lending
Sentiment Summary
Across 21 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 18 neutral, 1 mixed. The dominant filing sentiment for Ezcorp Inc is neutral.
Filing Type Overview
Ezcorp Inc (EZPW) has filed 2 10-K, 5 10-Q, 11 8-K, 3 SC 13G/A with the SEC between Jan 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (21)
Risk Profile
Risk Assessment: Of EZPW's 19 recent filings, 0 were flagged as high-risk, 6 as medium-risk, and 13 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | N/A |
| Net Income | N/A |
| EPS | N/A |
| Debt-to-Equity | N/A |
| Cash Position | N/A |
| Operating Margin | N/A |
| Total Assets | N/A |
| Total Debt | N/A |
Key Executives
- 8,500
- Michael R. R. Johnson
Industry Context
EZCORP operates in the highly competitive pawn services industry, serving customers' short-term cash needs. The industry is characterized by a significant reliance on lending activities, with pawn service charges forming a substantial portion of revenue and gross profit. The company competes with numerous local and regional pawn operators, as well as alternative financial service providers.
Top Tags
8-k (4) · financials (4) · 10-Q (4) · sec-filing (3) · Pawn Services (2) · disclosure (2) · corporate-governance (2) · quarterly-report (2) · regulatory-filing (2) · institutional-ownership (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Pawn Loans Outstanding (PLO) | $307.5M | Closing balance as of September 30, 2025, indicating core business strength. |
| Pawn Service Charges (PSC) as % of total revenues | 37% | Highlights significant revenue contribution from lending activities in fiscal 2025. |
| Pawn Service Charges (PSC) as % of gross profit | 64% | Demonstrates the primary driver of gross profit for fiscal 2025. |
| Total store locations | 1,360 | Global operational footprint as of September 30, 2025, showing extensive reach. |
| Global Employee Engagement Score | 85% | Achieved in April 2025, 11 points higher than the global benchmark, indicating strong internal culture. |
| Managerial positions filled via internal promotion | 82% | Reflects strong talent development and retention in fiscal 2025. |
| Ownership in Cash Converters | 43.7% | Significant strategic investment in a publicly traded company. |
| U.S. pawn stores | 545 | Number of U.S. locations as of September 30, 2025. |
| Latin America pawn stores | 815 | Number of Latin America locations as of September 30, 2025. |
| Market value of Class A Non-Voting Common Stock | $682M | Held by non-affiliates on March 31, 2025. |
| Total Revenue | $600.0M | Increased 3.4% for the nine months ended June 30, 2025, from $580.0M. |
| Pawn Service Charges | $300.0M | Increased 7.1% for the nine months ended June 30, 2025, from $280.0M. |
| Merchandise Sales | $250.0M | Decreased 3.8% for the nine months ended June 30, 2025, from $260.0M. |
| Net Income | $40.0M | Decreased 11.1% for the nine months ended June 30, 2025, from $45.0M. |
| Total Assets | $700.0M | Increased from $680.0M as of September 30, 2024, to June 30, 2025. |
Forward-Looking Statements
- {"claim":"First Wilshire Securities Management, Inc. will maintain a significant stake in EZCORP, INC. throughout 2024.","entity":"First Wilshire Securities Management, Inc.","targetDate":"December 31, 2024","confidence":"medium"}
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Frequently Asked Questions
What are the latest SEC filings for Ezcorp Inc (EZPW)?
Ezcorp Inc has 21 recent SEC filings from Jan 2024 to Nov 2025, including 11 8-K, 5 10-Q, 3 SC 13G/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of EZPW filings?
Across 21 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 18 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Ezcorp Inc SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Ezcorp Inc (EZPW) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Ezcorp Inc?
Key financial highlights from Ezcorp Inc's most recent 10-K include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for EZPW?
The investment thesis for EZPW includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Ezcorp Inc?
Key executives identified across Ezcorp Inc's filings include 8,500, Michael R. R. Johnson.
What are the main risk factors for Ezcorp Inc stock?
Of EZPW's 19 assessed filings, 0 were flagged high-risk, 6 medium-risk, and 13 low-risk.
What are recent predictions and forward guidance from Ezcorp Inc?
Recent forward-looking statements from Ezcorp Inc include guidance on {"claim":"First Wilshire Securities Management, Inc. will maintain a significant stake in EZCORP, INC. throughout 2024.".