EZCORP, Inc. (NASDAQ: EZPW) announced its financial results for the fourth quarter and full year ended September 30, 2026. The company reported record performance across all major financial metrics for the fiscal year.
For the fourth quarter of 2026, net income attributable to EZCORP increased 28% to $34.3 million. Diluted earnings per share (EPS) rose 26% to $0.43. Total revenues increased 33% to $447.1 million, while gross profit grew 29% to $255.8 million. Adjusted EBITDA increased 33% to $64.0 million.
Pawn loans outstanding (PLO) increased 31% to $402.8 million. The company expanded its store footprint by 41 locations during the quarter, comprised of 25 new stores, 22 acquired stores, and the consolidation of 4 stores, with 2 closures. In July 2026, EZCORP acquired the remaining interest in SMG, making the entity wholly owned.
For the full year 2026, net income attributable to EZCORP increased 51% to $165.9 million. Diluted EPS increased 46% to $2.07. Total revenues reached $1,694.7 million, and gross profit increased 32% to $985.0 million. Adjusted EBITDA for the year increased 47% to $276.7 million.
The company expanded its total store footprint to 1,590 locations across 15 countries during the fiscal year. This growth included 190 acquired stores and 48 new de novo stores, partially offset by the consolidation of 6 stores and the closure of 2.
CEO Lachie Given stated that the results were driven by strong growth in core pawn operating metrics across all geographies. Same-store PLO increased 13% in the U.S. and 25% in Latin America. The company noted that scrap margins have normalized, reflecting the strength of the core pawn business. Looking ahead, management highlighted priorities to strengthen the core pawn business, expand the footprint, and allocate capital prudently.
