EZCORP Inc. Files 2024 Annual Report

TL;DR

EZCORP filed its 2024 10-K. Full financials and biz ops details inside.

AI Summary

EZCORP Inc. filed its 10-K for the fiscal year ending September 30, 2024, reporting on its retail operations. The company's principal executive offices are located at 2500 Bee Cave Road, Building 1, Suite 200, Rollingwood, TX 78746. The filing details financial information and business operations for the period.

Why It Matters

This filing provides investors and stakeholders with a comprehensive overview of EZCORP's financial performance and strategic direction for the past fiscal year, influencing investment decisions.

Risk Assessment

Risk Level: medium — This is a standard annual report filing providing historical financial data and business overview.

Key Players & Entities

• EZCORP INC (company) — Filer of the 10-K
• 2024-09-30 (date) — Fiscal year end
• 2024-11-13 (date) — Filing date
• 2500 BEE CAVE ROAD, BUILDING 1, SUITE 200, ROLLINGWOOD, TX 78746 (address) — Principal executive offices

FAQ

Key Financial Figures

• $274.1 million — , 2024, we had a closing PLO balance of $274.1 million. In fiscal 2024, PSC accounted for appr
• $170 — transactions typically average between $170 and $200. In Mexico, PSC rates general
• $200 — ions typically average between $170 and $200. In Mexico, PSC rates generally vary b
• $65 — d 1,500 Mexican pesos, or approximately $65 to $85 on average using the average exc
• $85 — Mexican pesos, or approximately $65 to $85 on average using the average exchange r
• $120 — e country and typically average between $120 and $140 using the average exchange rat
• $140 — and typically average between $120 and $140 using the average exchange rates for fi

Filing Documents

• ezpw-20240930.htm (10-K) — 3139KB
• ex191ezcorpincinsidertradi.htm (EX-19.1) — 41KB
• a2024-q410xkex211listofsub.htm (EX-21.1) — 39KB
• a2024-q410xqex231.htm (EX-23.1) — 3KB
• a2024-q410xqex311.htm (EX-31.1) — 11KB
• a2024-q410xqex312.htm (EX-31.2) — 11KB
• a2024-q410xqex321.htm (EX-32.1) — 6KB
• ex971ezcorpinccompensation.htm (EX-97.1) — 30KB
• ezpw-20240930_g1.jpg (GRAPHIC) — 21KB
• ezpw-20240930_g2.jpg (GRAPHIC) — 65KB
• ezpw-20240930_g3.jpg (GRAPHIC) — 50KB
• ezpw-20240930_g4.jpg (GRAPHIC) — 30KB
• ezpw-20240930_g5.jpg (GRAPHIC) — 29KB
• ezpw-20240930_g6.jpg (GRAPHIC) — 25KB
• ezpw-20240930_g7.jpg (GRAPHIC) — 26KB
• ezpw-20240930_g8.jpg (GRAPHIC) — 105KB
• image_0.jpg (GRAPHIC) — 4KB
• image_01.jpg (GRAPHIC) — 22KB
• 0000876523-24-000048.txt ( ) — 15356KB
• ezpw-20240930.xsd (EX-101.SCH) — 72KB
• ezpw-20240930_cal.xml (EX-101.CAL) — 141KB
• ezpw-20240930_def.xml (EX-101.DEF) — 456KB
• ezpw-20240930_lab.xml (EX-101.LAB) — 944KB
• ezpw-20240930_pre.xml (EX-101.PRE) — 722KB
• ezpw-20240930_htm.xml (XML) — 2516KB

Signatures

Signatures 107 Table of Contents PART I This report contains forward-looking statements that reflect our future plans, estimates, beliefs and expected performance. Our actual results may differ materially from those currently anticipated and expressed or implied by those forward-looking statements because of a number of risks and uncertainties, including those discussed under "Part I, Item 1A — Risk Factors." We caution that assumptions, expectations, projections, intentions or beliefs about future events may, and often do, vary from actual results, and the differences can be material. See also "Part II, Item 7 — Management's Discussion and Analysis of Financial Condition and Results of Operations — Cautionary Statement Regarding Risks and Uncertainties That May Affect Future Results." Unless otherwise specified, references to the "Company," "we," "our," "us" and "EZCORP" refer to EZCORP, Inc. and its consolidated subsidiaries, collectively. References to a "fiscal" year refer to our fiscal year ended September 30 of the specified year. For example, "fiscal 2024" refers to the fiscal year ended September 30, 2024. All currency amounts preceded with "

BUSINESS

ITEM 1. BUSINESS Purpose, Vision and Strategy EZCORP, Inc. is a leading provider of pawn services in the United States ("U.S.") and Latin America with 1,279 locations and more than 8,000 Team Members. We are a Delaware corporation headquartered in Austin, Texas. Our purpose statement: "We exist to serve our customers' short-term cash and pre-owned retail needs, helping them to live and enjoy their lives. We are driven by a diverse team with a passion for pawn who are motivated to be their best — because our customers, families, stakeholders, and the communities and environment in which we live deserve it." This purpose is supported by a customer-centric strategy that includes the following: Providing fast, easy and simple access to cash; Serving our customers in a friendly and respectful way; Always being competitive and fair; Passionately serving customer needs; Building enduring relationships; and Recognizing and rewarding customer loyalty. That strategy consists of three fundamental pillars: Strengthen the Core — Relentless focus on superior execution and operational excellence in our pawn business. Cost Efficiency and Simplification — Shape a culture of cost efficiency through ongoing focus on simplification and optimization. Innovate and Grow — Broaden customer engagement to serve more customers more frequently in more locations. And we rely on four foundational capabilities to execute our strategy and achieve our purpose: Team Members — We enable diverse, engaged and tenured teams with a true passion for pawnbroking. IT and Data Modernization — We modernize our IT and data assets to capitalize on growth opportunities and create greater value at every customer interaction. Risk Management and Building a Culture of Compliance — We are continually focused on strengthening our capabilities to manage operational, financial, regulatory, compliance, information security and reputational risk. Environment, Social and Governance ("ESG") — We prior

View Full Filing

View this 10-K filing on SEC EDGAR