Overview

* Pawn transactionsEZCORP Q4 revenue rises 14% to $336.8 mln, driven by higher pawn service charges

* Adjusted EPS for Q4 beats analyst estimates, rising 36% to $0.34

* Adjusted EBITDA for Q4 increases 33% to $47.9 mln, exceeding analyst expectations

Outlook

* EZCORP ( EZPW ) plans to focus on high-return store growth and M&A

Result Drivers

* PLO GROWTH - Pawn loans outstanding increased 12% to $307.5 mln, driven by higher average loan sizes and strong pawn demand

* STORE EXPANSION - Expanded footprint by 24 stores, including 17 de novo stores and 8 acquired stores, contributing to revenue growth

* JEWELRY SCRAP SALES - Jewelry scrap sales increased 91% in Q4, driven by higher gold prices and increased jewelry purchases

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q4 Beat $0.34 $0.29 (6

Adjusted Analysts

EPS )

Q4 EPS $0.34

Q4 Net $26.70

Income mln

Q4 Beat $47.90 $45.60

Adjusted mln mln (4

EBITDA Analysts

)

Q4 Gross $198.60

Profit mln

Q4 $36.30

Pretax mln

Profit

Analyst Coverage

* The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 5 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the consumer lending peer group is "buy"

* Wall Street's median 12-month price target for EZCORP Inc ( EZPW ) is $23.00, about 21.7% above its November 12 closing price of $18.00

* The stock recently traded at 12 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)