NASDAQ:EZPW

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EZCORP Jumps 11% After Hours as Record Revenue and Pawn Loan Growth Drive Strong Q4

EZCORP (NASDAQ: EZPW) shares surged about 11% in after-hours trading after the pawn lender reported record fourth-quarter revenue, strong earnings growth and continued expansion across its core pawn business.

Fourth-quarter revenue increased 33% year over year to $447.1 million, while gross profit rose 29% to $255.8 million. Core pawn revenue climbed 27% to $383.4 million and core pawn gross profit increased 29% to $243.6 million.

Net income attributable to EZCORP rose 28% to $34.3 million, while adjusted net income increased 27% to $34.1 million. Diluted EPS climbed 26% to $0.43, and adjusted EBITDA increased 33% to $64.0 million.

Pawn loans outstanding reached $402.8 million, up 31% year over year. Same-store pawn loan balances increased 13% in the U.S. and 25% in Latin America, reflecting strong customer demand and continued lending growth.

For fiscal 2026, total revenue rose 33% to $1.69 billion and adjusted EBITDA increased 47% to $276.7 million. Full-year diluted EPS jumped 46% to $2.07.

EZCORP also significantly expanded its footprint, adding a net 230 stores during the year through acquisitions and new openings, bringing its total network to 1,590 locations across 15 countries. The company completed its acquisition of the remaining interest in SMG during the fourth quarter.

The 11% after-hours rally appears to reflect broad-based strength across revenue, earnings, pawn loan growth and store expansion, along with management’s confidence that the operating momentum can continue into fiscal 2027.
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Author
European Investor 11-12-26