艾茨克普 2026年季度报告

For the quarterly period ended March31, 2026 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the transition period fromtoCommission File No. 0-19424 EZCORP, INC. (Exact name of registrant as specified in its charter) 74-2540145 (State or other jurisdiction of incorporation or organization) Registrant’s telephone number, including area code:(512) 314-3400 Securities registered pursuant to Section 12(b) of the Act Name of each exchange on which registered ClassA Non-voting Common Stock, par value $.01 pershare EZPW Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filingrequirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit suchfiles).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or anemerging growth company. See definition of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and "emerging growth company" inRule 12b-2 of the Exchange Act. Accelerated filerSmallerreportingcompanyEmerging growth company LargeacceleratedfilerNon-accelerated filer If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any newor revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No☒ The only class of voting securities of the registrant issued and outstanding is the Class B Voting Common Stock, par value $.01 per share, all of which isowned by an affiliate of the registrant. There is no trading market for the Class B Voting Common Stock. As of April30, 2026, 58,565,807 shares of the registrant’s ClassA Non-voting Common Stock (“ClassA Common Stock”), par value $.01 per share, and2,970,171 shares of the registrant’s Class B Voting Common Stock, par value $.01 per share, were outstanding. EZCORP, Inc. INDEX TO FORM 10-Q PART I — FINANCIAL INFORMATIONItem1. Financial Statements (unaudited)Condensed Consolidated Balance Sheets as of March31, 2026 and 2025and September 30, 2025Condensed Consolidated Statements of Operations for the Three and Six Months Ended March31,2026 and 2025Condensed Consolidated Statements of Comprehensive Income for the Three and Six Months EndedMarch31, 2026 and 2025Condensed Consolidated Statements of Stockholders’ Equity for the Periods Ended March31, 2026and 2025Condensed Consolidated Statements of Cash Flows for the Six Months Ended March31, 2026 and2025Notes to Condensed Consolidated Financial StatementsNote 1: Organization and Summary of Significant Accounting PoliciesNote 2: AcquisitionsNote 3: GoodwillNote 4: Earnings Per ShareNote 5: LeasesNote 6: Strategic InvestmentsNote 7: Fair Value MeasurementsNote 8: DebtNote 9: Common Stock and Stock CompensationNote 10: Commitments and ContingenciesNote 11: Segment InformationNote 12: Supplemental Consolidated Financial InformationNote 13: Subsequent EventsItem2. Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem3. Quantitative and Qualitative Disclosures about Market RiskItem4. Controls and ProceduresPART II — OTHER INFORMATIONItem1. Legal ProceedingsItem1A. Risk FactorsItem 2. Unregistered Sale of Equity Security and Use of ProceedsItem 5. Other InformationItem6. ExhibitsSIGNATURES PART I — FINANCIAL INFORMATION EZCORP, Inc.CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS(Unaudited) EZCORP, Inc.CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME(Unaudited) EZCORP, Inc.CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY(Unaudited) EZCORP, Inc.CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS(Unaudited) Notes to Condensed Consolidated Financial Statements(Unaudited) NOTE 1: ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES Description of Business EZCORP, Inc. (collectively with its subsidiaries, the “Company,” “we,” “us,” or “our”) is a provider of pawn loans in theUnited States (“U.S.”), Latin America and the Caribbean. Pawn loans are non-recourse loans collateralized by tangibleproperty.We also sell merchandise,primarily collateral forfeited from pawn lending operations and pre-ownedmerchandise purchased from customers. Basis of Presentation The accompanying interim unaudited condensed consolidated financial statements (“