EZCORP, Inc. (EZPW) Q3 2023 Earnings Call Transcript

EZCORP, Inc. (NASDAQ:EZPW) Q3 2023 Earnings Conference Call August 3, 2023 9:00 AM ET

Company Participants

Jeff Elliott – Investor Relations

Lachlan Given – Chief Executive Officer

Timothy Jugmans – Chief Financial Officer

Conference Call Participants

Brian McNamara – Canaccord Genuity

Andrew Chasanoff – Oppenheimer


Good morning, ladies and gentlemen and welcome to the EZCORP Third Quarter Fiscal 2023 Earnings Call. [Operator Instructions] As a reminder, this call may be recorded.

I would now like to turn the conference over to Jeff Elliott, Investor Relations with Three Part Advisors. Please go ahead, Jeff.

Jeff Elliott

Thank you and good morning, everyone. During our prepared remarks, we will be referring to slides which are available for viewing or download from our website, investors.ezcorp.com.

Before we begin, I’d like to remind everyone that this conference call, as well as the presentation slides contain certain forward-looking statements regarding the company’s expected operating and financial performance for future periods. These statements are based on the company’s current expectations. Actual results for future periods may differ materially from those expressed due to a number of risks or other factors that are discussed in our annual, quarterly and other reports filed with the Securities and Exchange Commission. As noted in our presentation materials and unless otherwise identified, results are presented on an adjusted basis to remove the effect of foreign currency fluctuations and other discrete items.

Joining us on the call today are EZCORP’s Chief Executive Officer, Lachie Given; and Tim Jugmans, Chief Financial Officer. I’d now like to turn the call over to Lachie Given. Lachie?

Lachlan Given

Thank you, Tim and good morning, everyone. Our team’s persistent pursuit of operational excellence in executing our current 3-year plan as again yielded strong financial results for our stakeholders. Pawn loans outstanding hit a new all-time record of $223.8 million, up 10% for

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