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EZCORP Investor Presentation Q3 2026 NASDAQ : EZPW SEZPAWN $ EMPEÑO FÁCIL Empeña Compra Vende Autos y Motos - Oro - Electrodomésticos ... y ¡ MÁS ! MAX PVWN LUXURY TOWN 1621
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2 FORWARD LOOKING STATEMENTS This presentation contains certain forward-looking statements. These statements are based on the company’s current expectations as to the outcome and timing of future events. All statements, other than statements of historical facts, that address activities or results that the company plans, expects, believes, projects, estimates or anticipates will, should or may occur in the future are forward-looking statements. Actual results for future periods may differ materially from those expressed or implied by these forward-looking statements due to a number of uncertainties and other factors, including operating risks, liquidity risks, legislative or regulatory developments, market factors and current or future litigation. For a discussion of these and other factors affecting the company’s business and prospects, see the company’s annual, quarterly and other reports filed with the Securities and Exchange Commission. The company undertakes no obligation to update or revise forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time. OTHER AVAILABLE INFORMATION This information should be read in conjunction with, and not in lieu of, the company’s annual, quarterly and other reports filed with the Securities and Exchange Commission. Those reports contain important information about the company’s business and performance, including financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”), as well as a description of the important risk factors that may materially and adversely affect our business, financial condition or results of operations. ADJUSTED INFORMATION Unless otherwise specified, all amounts in this presentation reflect certain non-GAAP adjustments for various discrete items and constant currency. FY26 results are presented in constant currency using FY25 rates. Prior years use actual foreign exchange rates. For a discussion of the comparable GAAP amounts, see “EZCORP GAAP Results” and “GAAP to Non-GAAP Reconciliation” in the Appendix. COMPARISONS All comparisons in this presentation are relative to the same period in the prior year unless otherwise stated. In addition, percentages are calculated from the underlying numbers in thousands and, as a result, may not agree to the percentages when calculated from numbers in millions. All market comparisons are based on available information from similar publicly traded companies. DEFINED TERMS See Appendix for definition of terms and acronyms used in this presentation. PRELIMINARY STATEMENTS
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3 1. References to no bank accounts, verifications or collection activity exclude certain auto pawn loans representing a small portion of our portfolio 2. Based on averages discussed in our Annual Report on Form 10-K for the year ended September 30, 2025 3. U.S. includes Puerto Rico EZCORP AT A GLANCE • Formed in 1989, EZCORP is a leading provider of pawn transactions and seller of pre-owned and recycled merchandise in the United States, Latin America and the Caribbean. • We increase reach and access to financial services through a broad network of neighborhood retail locations, and promote the circular economy by recycling pre-owned merchandise and jewelry. • Our Mission: To be the first and best choice for customers' short-term cash needs and quality pre-owned goods. Pawn transactions are customer friendly1 • Non-recourse loans • No credit check, bank account or verifications • No collection activity or reporting to credit bureaus Pawn transactions are small & short-term2 • U.S.: $200 to $220 pawn; 30 to 90 day term • Mexico: $70 to $85 pawn; 30 day term • Guatemala, El Salvador & Honduras: $120 to $140 pawn; 30 day term WHERE WE OPERATE COMPANY OVERVIEW 1,549 STORES 626 U.S.3 642 MEXICO 191 GUATEMALA 20 EL SALVADOR 9,700 TEAM MEMBERS 28 HONDURAS 21 CARIBBEAN 9 PANAMA 12 COSTA RICA PAWN FUNDAMENTALS
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FINANCIAL HIGHLIGHTS
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5 TOTAL REVENUES • Revenues of $408.4M, up 31%, driven by higher merchandise sales, new stores (including SMG), PSC, and scrap • Gross profit of $240.3M, up 31% , driven by new stores (including SMG), scrap gross profit, PSC and merchandise sales gross profit • Core pawn revenues up 24% and core pawn gross profit up 28% $295.7 $320.2 $306.3 $311.0$336.8 $374.5 $434.9 $408.4 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 $36.0 $51.8 $43.8 $44.3$48.0 $70.3 $76.9 $65.6 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 $274.1 $274.8 $261.8 $291.6$307.5 $307.3 $342.1 $382.0 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 Q3 FY26 FINANCIAL HIGHLIGHTS • EBITDA of $65.6M, up 48% • EBITDA margin of 16%, up 190 bps EBITDA $0.25 $0.41 $0.33 $0.32$0.35 $0.55 $0.58 $0.47 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 DILUTED EPS PAWN LOANS OUTSTANDING • Diluted EPS of $0.47, up 47% Source: All figures adjusted for discrete items and current year figures adjusted for constant currency. See Appendix for reconciliations. ($ millions, except per share amounts) • Record PLO of $382.0M, up 31%, driven by new stores (including SMG), strong customer demand and increase in average loan size
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6 TOTAL REVENUES • Revenues of $408.4M, up 31%, with second quarter of SMG consolidation, same- store growth and gold scrap tailwind • PSC of $149.1M, up 29% (same-store up 13%) • Merchandise sales of $203.5M, up 21% (same-store up 6%); margin of 38%, up 190 bps • Scrap sales of $55.7M, up $28.8M, on higher gold prices; $15.9M of the increase from same-store • Same-store core pawn revenues up 9%, reflecting continued strong customer demand • Same-store core pawn gross profit up 13%, reflecting the non-scrap component of earnings growth Q3 FY26 CONSOLIDATED GROWTH • EBITDA of $65.6M, up 48%, reflecting strong operating leverage on revenue growth and elevated scrap gross profit • EBITDA margin of 16%, up 190 bps, driven by merchandise margin improvement and expense discipline EBITDA Source: All figures adjusted for discrete items and current year figures adjusted for constant currency. See Appendix for reconciliations. ($ millions) $311.0 $43.1 $24.5 $15.9 $13.9 $408.4 Q3 FY25 Revenues SMG Revenues Same-Store Core Pawn Revenues Same-Store Scrap Sales Other New Stores Revenues Q3 FY26 Revenues $44.3 $12.9 $6.6 $3.5 $(1.7) $65.6 Q3 FY25 EBITDA Same-Store EBITDA (excl scrap gross profit) SMG EBITDASame-Store Scrap Gross Profit Other Q3 FY26 EBITDA
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7 Q3 FY26 U.S. SEGMENT OVERVIEW 515 529 542 545 560 FY22 FY23 FY24 FY25 Q3 FY26 $159 $170 $185 $209 $240 FY22 FY23 FY24 FY25 Q3 FY26 AVERAGE LOAN SIZE • Average loan size up 16%, primarily driven by the increase in jewelry composition and gold price • PLO jewelry composition increased to 69%, up 420 bps STORE COUNT 560 STORES IN 19 STATES OR 5 NV 29 UT 9 CO 31 AZ 20 GA 8 AR 1 OK 23 IL 20 TX 262 AL 5 IA 11 MN 7 WI 3 IN 14 PA 1 FL 95 MS 1 TN - 15 • Acquired 1 store during the quarter
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8 TOTAL REVENUES • Total revenues up $31.3M or 14%, over half attributable to core pawn • PSC up 13%, primarily driven by same-store PLO growth • Merchandise sales up 6%, (3% on a same-store basis); margin of 40%, up 130 bps • Core pawn revenues up 9% and core pawn gross profit up 12% $212.0 $232.2 $221.4 $220.0$238.9 $269.8 $282.2 $251.2 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 $46.5 $57.2 $51.7 $52.2$57.2 $73.5 $80.9 $64.5 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 $214.3 $220.2 $199.4 $221.1$233.8 $239.9 $230.5 $254.5 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 Q3 FY26 U.S. SEGMENT HIGHLIGHTS EBITDA $138.6 $148.5 $156.8 $166.4$185.7 $190.9 $188.2 $212.2 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 INVENTORY PAWN LOANS OUTSTANDING • Inventory up 28%, driven by growth in PLO, purchases and layaways • Inventory turnover at 2.0x • Aged GM down 90 bps to 1.9% ($0.7M) of total GM inventory • PLO up 15%, (13% on a same-store basis), driven by increased average loan size and continued strong pawn demand • EBITDA improved $12.3M or 23%, driven by higher gross profit (83% driven by core pawn gross profit), partially offset by a 8% increase in expenses (6% on a same-store basis) • EBITDA margin of 26%, up 200 bps ($ millions) Source: All figures adjusted for discrete items. See Appendix for reconciliations.
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9 660 702 737 815 881 FY22 FY23 FY24 FY25 Q3 FY26 $78 $84 $92 $88 $112 FY22 FY23 FY24 FY25 Q3 FY26 AVERAGE LOAN SIZE (GAAP) • Average loan size up 28% (up 18% on a constant currency basis), primarily driven by increase in jewelry composition and gold price • PLO jewelry composition increased to 49%, up 900 bps STORE COUNT 881 STORES IN 4 COUNTRIES • In April 2026, acquired 33 stores in Guatemala • During the quarter, opened 9 stores, including 5 in Mexico, 3 in Guatemala, and 1 in Honduras Q3 FY26 LATIN AMERICA SEGMENT OVERVIEW Source: All figures adjusted for discrete items and current year figures adjusted for constant currency. See Appendix for reconciliations.
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10 TOTAL REVENUES $83.7 $88.0 $84.9 $91.0$97.9 $104.7 $101.4 $114.1 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 $15.9 $17.3 $15.8 $18.1$18.3 $21.4 $19.6 $25.4 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 $62.9 $54.6 $62.4 $70.6$73.7 $67.4 $79.0 $93.7 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 Q3 FY26 LATIN AMERICA HIGHLIGHTS EBITDA $56.3 $51.0 $51.0 $59.1$62.8 $56.1 $56.2 $71.4 Q4 FY24 Q4 FY25Q1 FY25 Q1 FY26Q2 FY25 Q2 FY26Q3 FY25 Q3 FY26 INVENTORY PAWN LOANS OUTSTANDING Source: All figures adjusted for discrete items and current year figures adjusted for constant currency. See Appendix for reconciliations. ($ millions) • Record revenues up $23.1M or 25%, approx. half attributable to merchandise sales • PSC up 26%, driven by same-store PLO growth and new stores • Merchandise sales up 20%, (11% on a same-store basis); margin of 36%, up 490 bps • Core pawn revenues up 22% and core pawn gross profit up 31% • PLO up 33% (28% on a same-store basis), driven by average loan size, strong loan demand and improved operational performance • EBITDA up $7.3M or 40%, driven by higher gross profit (95% driven by core pawn gross profit), partially offset by a 27% increase in expenses (17% on a same-store basis) • EBITDA margin of 22%, up 240 bps • Inventory up 21%, driven by growth in PLO. Inventory turnover at 3.1x • Aged GM decreased below 1% of total GM inventory
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11 Q3 FY26 SMG SEGMENT OVERVIEW & HIGHLIGHTS FINANCIAL HIGHLIGHTS OVERVIEW 108 STORES ACROSS 12 COUNTRIES 9 7 Arkansas 6 Bahamas 2 Turks & Caicos 2 Dominican Republic 2 Antigua 1 Puerto Rico 31 Dominica 1 Barbados 4 Grenada 1Panama 9 Costa Rica 12 Jamaica 7 Cayman Islands 1 Florida 29 • PLO of $33.8M • Total revenues were $43.1M, comprised of pawn service charges of $14.3M, merchandise sales of $17.1M, and jewelry scrap sales of $11.7M • Gross profit was $22.4M • Merchandise sales gross margin was 31.4% • Core pawn revenues of $31.4M and core pawn gross profit of $19.7M • Average loan size of $259 • PLO jewelry composition of 49% • Inventory of $28.9M and aged GM at 1% • Inventory turnover at 3.1x • Acquired the remaining membership interests in Founders, resulting in 100% ownership of Founders • Acquired additional shares in SMG from minority shareholders, increasing ownership to 97.4% at end of quarter. In July, acquired the remaining shares of SMG, resulting in 100% ownership • Opened 1 store during the quarter, leading to 108 stores operating as "La Familia Pawn and Jewelry" and "CashWiz" in 12 countries
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APPENDIX
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13 RECORD EARNING ASSETS DRIVE INCREASED EARNINGS Q3 GAAP % △ B/(W) Q3 ADJUSTED % △ B/(W)FY26 FY25 FY26 FY25 Pawn Loans Outstanding $387.2 $291.6 33% $382.0 $291.6 31% Total Revenues 418.7 311.0 35% 408.4 311.0 31% Gross Profit $246.2 $183.6 34% $240.3 $183.6 31% Equity in Net (Income) Loss of Investments (1.9) (1.2) 58% (1.9) (1.2) 58% Store Expenses 147.7 113.4 (30)% 144.0 113.4 (27)% General and Administrative Expenses 34.0 27.5 (24)% 33.5 27.5 (22)% Other (Income) Expense (0.8) (1.8) * (0.8) (1.6) * EBITDA $67.2 $45.7 47% $65.6 $44.3 48% Depreciation/Amortization 9.7 8.0 (21)% 9.4 8.0 (18)% Interest Expense, Net 5.6 3.0 * 5.6 3.0 * Profit Before Tax $52.0 $34.7 50% $50.6 $33.3 52% Income Tax Expense 13.5 8.2 (65)% 13.1 8.8 (49)% Net Income $38.5 $26.5 45% $37.5 $24.5 53% Net Income attributable to NCI (0.3) — —% (0.3) — —% Net Income attributable to EZCORP $38.2 $26.5 44% $37.2 $24.5 52% Diluted EPS $0.48 $0.34 41% $0.47 $0.32 47% Note: B/(W) column indicates whether performance was better or worse than the comparable period * Represents a percentage computation that is not mathematically meaningful. ($ millions, except per share amounts)
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14 DEFINITION OF TERMS Core Pawn Revenues Revenues excluding scrap sales Core Pawn Gross Profit Gross profit excluding scrap gross profit GM General merchandise (non-jewelry) M Millions PLO Pawn loans outstanding PSC Pawn service charges Same-Store Stores open the entirety of the comparable periods SMG Simple Management Group Inc. Inventory Turnover = [total cost of sales ÷ days in period] × 365 ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ average net inventory EBITDA Margin = EBITDA ─ ─ ─ ─ ─ ─ ─ ─ ─ Total Revenue
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15 GAAP TO NON-GAAP RECONCILIATION In addition to the financial information prepared in conformity with U.S. generally accepted accounting principles (“GAAP”), we provide certain other financial information that is adjusted to exclude the impact of restructuring and restatement charges and other discrete items and to reflect the results of our Latin American segment on a constant currency basis. We believe that presentation of the non-GAAP financial information is meaningful and useful in evaluating and comparing our operating results across accounting periods and understanding the operating and financial performance of our business. We believe that the non-GAAP financial information reflects an additional way of viewing aspects of our business that, when viewed with our GAAP results, provides a more complete understanding of factors and trends affecting our business. We provide non-GAAP financial information for informational purposes and to enhance understanding of our GAAP consolidated financial statements. You should consider the non-GAAP information in addition to, but not instead of or superior to, our results prepared in accordance with GAAP. Non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of that information for comparative purposes. CONSTANT CURRENCY In addition to the financial information prepared in conformity with generally accepted accounting principles in the United States (“GAAP”), we provide certain other non-GAAP financial information on a constant currency basis (“constant currency”). We use constant currency results to evaluate our Latin American segment, which are denominated primarily in Mexican pesos, Guatemalan quetzales and other Latin American currencies. We believe that presentation of constant currency results is meaningful and useful in understanding the activities and business metrics of our Latin American segment and reflect an additional way of viewing aspects of our business that, when viewed with GAAP results, provide a more complete understanding of factors and trends affecting our business. We provide non-GAAP financial information for informational purposes and to enhance understanding of our GAAP consolidated financial statements. We use this non-GAAP financial information to evaluate and compare operating results across accounting periods. Readers should consider the information in addition to, but not instead of or superior to, our financial statements prepared in accordance with GAAP. This non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes. Constant currency results reported herein are calculated by translating consolidated balance sheet and consolidated statement of operations items denominated in local currency to U.S. dollars using the exchange rate from the prior-year comparable period, as opposed to the current period, in order to exclude the effects of foreign currency rate fluctuations. In addition, our equity method investment in CCV is denominated in Australian dollars and is translated into U.S. dollars. We used the end-of-period rate for balance sheet items and the average closing daily exchange rate on a monthly basis during the appropriate period for statement of operations items. Our statement of operations constant currency results reflect the monthly exchange rate fluctuations and so are not directly calculable from the above rates. Constant currency results, where presented, also exclude the foreign currency gain or loss. The end-of-period and approximate average exchange rates for each applicable currency as compared to U.S. dollars as of and for the three months ended June 30, 2026 and 2025 were as follows: FINANCIAL DISCLOSURES Mexican Peso Guatemalan Quetzal Honduran Lempira Australian Dollar June 30, 2026 17.5 7.5 26.4 1.5 2025 18.8 7.6 25.8 1.5 Three Months Ended June 30, 2026 17.4 7.5 26.4 1.4 2025 19.5 7.6 25.7 1.6
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16 FY26 FY25 Base Adjustments Adjusted Base Constant Currency Impact Adjusted Constant Currency Base Adjustments Adjusted Base Revenues $418.7 — $418.7 $(10.3) $408.4 $311.0 — $311.0 PSC Revenues 152.5 — 152.5 (3.4) 149.1 115.3 — 115.3 Merchandise Sales 209.7 — 209.7 (6.1) 203.5 168.6 — 168.6 Core Pawn Revenues $362.1 — $362.1 $(9.5) $352.6 $284.0 — $284.0 Merchandise Gross Profit 78.9 — 78.9 (2.3) 76.6 60.4 — 60.4 Merchandise Margin 38% — 38% —% 38% 36% —% 36% Core Pawn Gross Profit $231.4 — $231.4 $(5.6) $225.8 $175.8 — $175.8 Scrap Gross Profit 14.8 — 14.8 (0.2) 14.5 7.9 — 7.9 Scrap Gross Margin 26% — 26% —% 26% 29% —% 29% Gross Profit $246.2 — $246.2 $(5.8) $240.3 $183.6 — $183.6 Store Expenses 147.7 — 147.7 (3.7) 144.0 113.4 — 113.4 General and Administrative Expenses 34.0 — 34.0 (0.5) 33.5 27.5 — 27.5 Other Income (2.7) — (2.7) — (2.7) (3.0) 1.5 (B) (1.5) EBITDA $67.2 — $67.2 $(1.7) $65.6 $45.7 $(1.5) $44.3 Depreciation and Amortization 9.7 — 9.7 (0.2) 9.4 8.0 — $8.0 EBIT $57.6 — $57.6 $(1.4) $56.2 $37.7 $(1.5) $36.3 Interest Expense, net 5.6 — 5.6 — 5.6 3.0 — 3.0 Profit Before Tax $52.0 — $52.0 $(1.4) $50.6 $34.7 $(1.5) $33.3 Income Tax Expense 13.5 (0.1) (A) 13.4 (0.4) 13.1 8.2 0.6 (C) 8.8 Net Income $38.5 $0.1 $38.6 $(1.1) $37.5 $26.5 $(2.0) $24.5 Net Income attributable to NCI (0.3) — (0.3) — (0.3) 0.0 — $— Net Income attributable to EZCORP $38.2 $0.1 $38.3 $(1.1) $37.2 $26.5 $(2.0) $24.5 Diluted EPS $0.48 $— $0.48 $(0.01) $0.47 $0.34 $(0.02) $0.32 Diluted Shares Outstanding 83.4 — 83.4 — 83.4 82.9 — 82.9 Pawn Loans Outstanding 387.2 — 387.2 (5.2) 382.0 291.6 — 291.6 Inventory, Net 316.3 — 316.3 (3.9) 312.5 225.5 — 225.5 Net Earning Assets $703.5 — $703.5 $(9.1) $694.5 $517.1 — $517.1 Same-Store data FY26 Change (GAAP) FY26 Change Constant Currency PLO 18% 17% Merchandise Sales 9% 6% * Includes immaterial presentation reclassifications. Numbers may not foot or cross foot due to rounding (A) Amount includes $0.1M FY26 tax impact of items listed above (B) Amount includes a gain of $1.3M corporate office lease termination and $0.2M FX gain GAAP TO NON-GAAP RECONCILIATION Q3 – CONSOLIDATED* ($ millions, except per share amounts) (C) Amount includes FY25 tax impact of the items listed above and a release of FIN48 reserve
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17 GAAP TO NON-GAAP RECONCILIATION Q3 – U.S. SEGMENT* FY26 FY25 Base Adjustments Adjusted Base Constant Currency Impact Adjusted Constant Currency Base Adjustments Adjusted Base Revenues $251.2 $— $251.2 $— $251.2 $220.0 $— $220.0 PSC Revenues 95.2 — 95.2 — 95.2 83.9 — 83.9 Merchandise Sales 118.8 — 118.8 — 118.8 112.2 — 112.2 Core Pawn Revenues $214.0 $— $214.0 $— $214.0 $196.2 $— $196.2 Merchandise Gross Profit 47.2 — 47.2 — 47.2 43.2 — 43.2 Merchandise Margin 40% —% 40% —% 40% 39% —% 39% Core Pawn Gross Profit $142.4 $— $142.4 $— $142.4 $127.1 $— $127.1 Scrap Gross Profit 10.1 — 10.1 — 10.1 6.9 — 6.9 Scrap Gross Margin 27% —% 27% —% 27% 29% —% 29% Gross Profit $152.5 $— $152.5 $— $152.5 $134.1 $— $134.1 Store Expenses 88.0 — 88.0 — 88.0 81.8 — 81.8 EBITDA $64.5 $— $64.5 $— $64.5 $52.2 $— $52.2 Depreciation and Amortization 2.8 — 2.8 — 2.8 2.7 — 2.7 Profit Before Tax $61.6 $— $61.6 $— $61.6 $49.6 $— $49.6 Pawn Loans Outstanding 254.5 — 254.5 — 254.5 221.1 — 221.1 Inventory, Net 212.2 — 212.2 — 212.2 166.4 — 166.4 Net Earning Assets $466.7 $— $466.7 $— $466.7 $387.4 $— $387.4 ($ millions) * Includes immaterial presentation reclassifications. Numbers may not foot or cross foot due to rounding
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18 GAAP TO NON-GAAP RECONCILIATION Q3 – LATIN AMERICA SEGMENT* FY26 FY25 Base Adjustments Adjusted Base Constant Currency Impact Adjusted Constant Currency Base Adjustments Adjusted Base Revenues $124.4 $— $124.4 $(10.3) $114.1 $91.0 $— $91.0 PSC Revenues 42.9 — 42.9 (3.4) 39.6 31.4 — 31.4 Merchandise Sales 73.8 — 73.8 (6.1) 67.7 56.4 — 56.4 Core Pawn Revenues $116.7 $— $116.7 $(9.5) $107.2 $87.8 $— $87.8 Merchandise Gross Profit 26.3 — 26.3 (2.3) 24.0 17.2 — 17.2 Merchandise Margin 36% —% 36% —% 36% 31% —% 31% Core Pawn Gross Profit $69.3 $— $69.3 $(5.6) $63.6 $48.7 $— $48.7 Scrap Gross Profit 2.0 — 2.0 (0.2) 1.7 0.9 — 0.9 Scrap Gross Margin 26% —% 26% —% 26% 29% —% 29% Gross Profit $71.2 $— $71.2 $(5.8) $65.4 $49.6 $— $49.6 Store Expenses 43.6 — 43.6 (3.7) 40.0 31.5 — 31.5 Other Income (0.1) 0.1 (A) — — — — (0.1) (B) (0.1) EBITDA $27.7 $(0.1) $27.6 $(2.1) $25.4 $18.1 $0.1 $18.1 Depreciation and Amortization 2.9 — 2.9 (0.2) 2.7 2.2 — 2.2 Profit Before Tax $24.8 $(0.1) $24.7 $(1.9) $22.8 $15.9 $0.1 $16.0 Pawn Loans Outstanding 98.9 — 98.9 (5.2) 93.7 70.6 — 70.6 Inventory, Net 75.3 — 75.3 (3.9) 71.4 59.1 — 59.1 Net Earning Assets $174.2 $— $174.2 $(9.1) $165.1 $129.7 $— $129.7 Same-Store data: FY26 Change (GAAP) FY26 Change (Constant Currency) PLO 35% 28% Merchandise Sales 21% 11% ($ millions) *Includes immaterial presentation reclassifications. Numbers may not foot or cross foot due to rounding. (A) Amount includes $0.1M FX gain (B) Amount includes $0.1M FX loss
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19 GAAP TO NON-GAAP RECONCILIATION Q3 – SMG* FY26 Base Adjustments Adjusted Base Constant Currency Impact Adjusted Constant Currency Revenues $43.1 $— $43.1 $— $43.1 PSC Revenues 14.3 — 14.3 — 14.3 Merchandise Sales 17.1 — 17.1 — 17.1 Core Pawn Revenues $31.4 $— $31.4 $— $31.4 Merchandise Gross Profit 5.4 — 5.4 — 5.4 Merchandise Margin 31% —% 31% —% 31% Core Pawn Gross Profit $19.7 $— $19.7 $— $19.7 Scrap Gross Profit 2.8 — 2.8 — 2.8 Scrap Gross Margin 24% —% 24% —% 24% Gross Profit $22.4 $— $22.4 $— $22.4 Store Expenses 16.0 — 16.0 — 16.0 Other Expense (0.2) — (0.2) — (0.2) EBITDA $6.6 $— $6.6 $— $6.6 Depreciation and Amortization 0.6 — 0.6 — 0.6 Profit Before Tax $5.9 $— $6.0 $— $6.0 Pawn Loans Outstanding 33.8 — 33.8 — 33.8 Inventory, Net 28.9 — 28.9 — 28.9 Net Earning Assets $62.7 $— $62.7 $— $62.7 ($ millions) * Includes immaterial presentation reclassifications. Numbers may not foot or cross foot due to rounding
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20 CONSOLIDATED GROWTH FY24-FY26 RECONCILIATION* * Includes immaterial presentation reclassifications. Numbers may not foot or cross foot due to rounding. See final page of reconciliations for constant currency assumption FY24 FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY25 FY26 FY26 FY26 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Continuing Ops PBT $37.7 $28.7 $23.0 $26.3 $115.6 $41.4 $34.4 $34.7 $36.3 $146.8 $59.2 $65.5 $52.0 Add Back Net Interest 0.8 0.5 0.6 1.1 3.0 1.1 1.4 3.0 2.8 8.3 3.4 5.8 5.6 Add Back Depreciation and Amortization 8.6 8.2 8.2 8.1 33.1 8.3 8.0 8.0 8.2 32.5 8.8 9.6 9.7 Continuing Ops EBITDA $47.1 $37.4 $31.8 $35.5 $151.7 $50.8 $43.8 $45.7 $47.3 $187.6 $71.3 $80.8 $67.2 Discrete Adjustments 0.1 (0.7) (0.1) 0.5 (0.1) 1.0 (0.1) (1.5) 0.7 0.2 — (2.6) — Adjusted EBITDA $47.2 $36.7 $31.7 $36.0 $151.6 $51.8 $43.8 $44.3 $48.0 $187.9 $71.3 $78.3 $67.2 Constant Currency Impact — — — — — — — — — — (1.0) (1.4) (1.6) Currency Adjusted Continuing Ops EBITDA $47.2 $36.7 $31.7 $36.0 $151.6 $51.8 $43.8 $44.3 $48.0 $187.9 $70.3 $76.9 $65.6 Continuing Ops Revenues $300.0 $285.6 $281.4 $295.7 $1,162.8 $320.2 $306.3 $311.0 $336.8 $1,274.3 $382.0 $446.9 $418.7 Constant Currency Impact — — — — — — — — — — (7.5) (12.0) (10.3) Currency Adjusted Continuing Ops Revenues $300.0 $285.6 $281.4 $295.7 $1,162.8 $320.2 $306.3 $311.0 $336.8 $1,274.3 $374.5 $434.9 $408.4 Continuing Ops PLO $243.3 $235.8 $261.7 $274.1 $274.1 $274.8 $261.8 $291.6 $307.5 $307.5 $314.4 $349.4 $387.2 Constant Currency Impact — — — — — — — — — — (7.1) (7.3) (5.2) Currency Adjusted Continuing Ops PLO $243.3 $235.8 $261.7 $274.1 $274.1 $274.8 $261.8 $291.6 $307.5 $307.5 $307.3 $342.1 $382.0 GAAP Diluted EPS $0.36 $0.29 $0.25 $0.21 $1.10 $0.40 $0.33 $0.34 $0.34 $1.42 $0.55 $0.61 $0.48 Discrete Adjustments — (0.01) (0.01) 0.04 0.03 0.01 — (0.02) 0.01 (0.01) 0.01 (0.02) — Constant Currency Impact — — — — — — — — — — (0.01) (0.01) (0.01) Adjusted Diluted EPS $0.36 $0.28 $0.24 $0.25 $1.13 $0.41 $0.33 $0.32 $0.35 $1.41 $0.55 $0.58 $0.47 ($ millions, except for per share amounts)
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21 U.S. PAWN BUSINESSES FY24-FY26 RECONCILIATION* * Includes immaterial presentation reclassifications. Numbers may not foot or cross foot due to rounding. See final page of reconciliations for constant currency assumption FY24 FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY25 FY26 FY26 FY26 U.S. Pawn Segment Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Profit before taxes $49.4 $42.5 $37.9 $43.9 $173.7 $54.5 $49.0 $49.6 $54.5 $207.5 $70.7 $78.1 $61.6 Add back D&A 2.6 2.5 2.4 2.6 10.1 2.7 2.7 2.7 2.7 10.8 2.7 2.8 2.8 EBITDA $52.0 $45.0 $40.3 $46.5 $183.8 $57.2 $51.7 $52.2 $57.2 $218.3 $73.5 $80.9 $64.5 Discrete Adjustments — — — — — — — — — — — — — Adjusted EBITDA $52.0 $45.0 $40.3 $46.5 $183.8 $57.2 $51.7 $52.2 $57.2 $218.3 $73.5 $80.9 $64.5 Revenues $217.4 $207.6 $199.1 $212.0 $836.1 $232.2 $221.4 $220.0 $238.9 $912.5 $269.8 $282.2 $251.2 Discrete Adjustments — — — — — — — — — — — — — Adjusted Revenues $217.4 $207.6 $199.1 $212.0 $836.1 $232.2 $221.4 $220.0 $238.9 $912.5 $269.8 $282.2 $251.2 PLO $190.8 $173.7 $199.3 $214.3 $214.3 $220.2 $199.4 $221.1 $233.8 $233.8 $239.9 $230.5 $254.5 Discrete Adjustments — — — — — — — — — — — — — Adjusted PLO $190.8 $173.7 $199.3 $214.3 $214.3 $220.2 $199.4 $221.1 $233.8 $233.8 $239.9 $230.5 $254.5 Inventory $127.0 $121.9 $121.9 $138.6 $138.6 $148.5 $156.8 $166.4 $185.7 $185.7 $190.9 $188.2 $212.2 Discrete Adjustments — — — — — — — — — — — — — Adjusted Inventory $127.0 $121.9 $121.9 $138.6 $138.6 $148.5 $156.8 $166.4 $185.7 $185.7 $190.9 $188.2 $212.2 ($ millions)
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22 LATIN AMERICA PAWN BUSINESSES FY24-FY26 RECONCILIATION* * Includes immaterial presentation reclassifications. Numbers may not foot or cross foot due to rounding. See final page of reconciliations for constant currency assumption FY24 FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY25 FY26 FY26 FY26 Latin America Segment Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Profit before taxes $13.9 $11.1 $14.0 $14.0 $52.9 $15.3 $13.9 $15.9 $15.8 $61.0 $20.1 $19.1 $24.8 Add back D&A 2.1 2.1 2.1 2.1 8.4 2.0 2.0 2.2 2.4 8.5 2.5 2.7 2.9 EBITDA $16.0 $13.3 $16.1 $16.0 $61.3 $17.3 $15.9 $18.1 $18.2 $69.5 $22.7 $21.9 $27.7 Discrete Adjustments — — (0.1) (0.1) (0.1) — (0.1) 0.1 0.1 0.1 0.1 (0.3) (0.1) Constant Currency Impact — — — — — — — — — — — (1.4) (2.0) (2.1) Adjusted EBITDA $16.0 $13.3 $16.0 $15.9 $61.2 $17.3 $15.8 $18.1 $18.3 $69.6 $21.4 $19.6 $25.4 Revenues $82.5 $78.0 $82.4 $83.7 $326.6 $88.0 $84.9 $91.0 $97.9 $361.8 $112.3 $113.4 $124.4 Constant Currency Impact — — — — — — — — — — (7.5) (11.9) (10.3) Adjusted Revenues $82.5 $78.0 $82.4 $83.7 $326.6 $88.0 $84.9 $91.0 $97.9 $361.8 $104.7 $101.4 $114.1 PLO $52.7 $62.3 $62.7 $62.9 $62.9 $54.6 $62.7 $70.6 $73.7 $73.7 $74.4 $86.3 $98.9 Constant Currency Impact — — — — — — — — — — (7.1) (7.3) (5.2) Adjusted PLO $52.7 $62.3 $62.7 $62.9 $62.9 $54.6 $62.7 $70.6 $73.7 $73.7 $67.4 $79.0 $93.7 Inventory $37.9 $41.5 $50.0 $56.3 $56.3 $51.0 $51.0 $59.1 $62.8 $62.8 $62.5 $61.7 $75.3 Constant Currency Impact — — — — — — — — — — (6.4) (5.4) (3.9) Adjusted Inventory $37.9 $41.5 $50.0 $56.3 $56.3 $51.0 $51.0 $59.1 $62.8 $62.8 $56.1 $56.2 $71.4 ($ millions)
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23 RECAST OF STORE EXPENSES TO G&A ($ millions) Consolidated Consolidated Difference U.S. Segment U.S. Segment Difference Latin America Segment Latin America Segment Difference Q3 FY25 Q3 FY25 Q3 FY25 Adjusted, Previously Reported Recast Adjusted, Previously Reported Recast Adjusted, Previously Reported Recast Total Revenues $311.0 $311.0 $— $220.0 $220.0 $— $91.0 $91.0 $— Gross Profit $183.6 $183.6 $— $134.1 $134.1 $— $49.6 $49.6 $— Store Expenses 119.1 113.4 5.7 83.8 81.8 2.0 35.3 31.6 3.7 General and Administrative Expenses 21.8 27.5 (5.7) 0.0 0.0 0.0 0.0 0.0 0.0 Other (Income) Expense (3.0) (3.0) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 EBITDA $45.7 $45.7 $— $50.3 $52.2 $2.0 $14.2 $17.9 $3.7 EBITDA Margin 14.7% 14.7% 22.9% 23.7% 15.6% 19.7% Depreciation and Amortization 8.0 8.0 0.0 2.7 2.7 0.0 2.2 2.2 0.0 Interest (Income)/Expense 3.0 3.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Profit before taxes $34.7 $34.7 $— $47.6 $49.6 $2.0 $12.0 $15.7 $3.7 • Beginning in the first quarter of fiscal 2026, following a review of segment expenses to better align direct operating expenses with the respective segments, we modified our methodology for allocating certain expenses used in evaluating financial and segment performance and resource allocation. Specifically, we no longer allocate certain administrative expenses to our Latin America Pawn and U.S. Pawn segments; these costs are now reported within the "General and administrative" line in our Condensed Consolidated Statements of Operations. • We have recast the Condensed Consolidated Statements of Operations and segment contribution for prior periods to conform to this methodology. This resulted in a classification change of certain expenses from Store expenses to General and administrative. Additionally, segment contribution no longer includes certain administrative allocations to segments; these costs are now included within Corporate. Source: All figures adjusted for discrete items. Numbers may not foot or cross foot due to rounding. See Appendix for reconciliations.
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24 ILLUSTRATIVE PAWN TRANSACTION CYCLE Customer Brings Personal Asset to Pawn Store Purchase (Company Buys Asset) Inventory Sales Pawn Loan (Collateralized with Asset) Customer Does Not Repay Loan ____________________ Collateral Forfeits Customer Repays Loan ____________________ Collateral Returned to Customer PSC Typical Transaction Asset Type Gold Chain Value assessed $400 Loan to Value 40% to 65% Loan Term 30 to 90 days Loan amount $200 Pawn Loan/Purchase 85%/15% Redemption Rate* 80% to 90% % of Pawn Loans Repaid 55% to 65% Monthly Average Yield on PLO 14% Retail Sales Margin 35% to 38% * Redemption Rate represents the percentage of pawns made that are repaid, renewed or extended, including pawns that may be extended more than once.
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25 T H A N K Y O U Address 2500 Bee Cave Rd., Bldg. 1, Suite 200, Austin, TX 78746 Phone Number 512.314.2220 Email Investor_relations@ezcorp.com Website Investors.ezcorp.com Social Media LinkedIn: EZCORP Instagram: @ezcorp_official, @ezpawnofficial, @valuepawnofficial Facebook: @ezpawn, @valuepawn TikTok: @official_ezpawn