0000876523-26-000045 | 10-Q | XBRL Viewer

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Debt - Schedule of Debt Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Sep. 30, 2025	Mar. 31, 2025
Debt Instrument [Line Items]
Gross Amount	$ 530,000	$ 530,000	$ 633,373
Gross Amount, current portion	0	0	103,373
Gross Amount, excluding current portion	530,000	530,000	530,000
Deferred Financing Costs	(10,999)	(11,924)	(12,860)
Deferred Financing Costs, current portion	0	0	(48)
Deferred Financing Costs, excluding current portion	(10,999)	(11,924)	(12,812)
Carrying Amount	519,001	518,076	620,513
Carrying Amount, current portion	0	0	103,325
Carrying Amount, excluding current portion	519,001	518,076	517,188
2032 Senior Notes \| Senior Notes
Debt Instrument [Line Items]
Gross Amount	300,000	300,000	300,000
Deferred Financing Costs	(6,750)	(7,182)	(7,535)
Carrying Amount	293,250	292,818	292,465
2029 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Gross Amount	230,000	230,000	230,000
Deferred Financing Costs	(4,249)	(4,742)	(5,277)
Carrying Amount	225,751	225,258	224,723
2025 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Gross Amount	0	0	103,373
Deferred Financing Costs	0	0	(48)
Carrying Amount	$ 0	$ 0	$ 103,325

Organization and Summary of Significant Accounting Policies	6 Months Ended
	Mar. 31, 2026
Accounting Policies [Abstract]
Organization and Summary of Significant Accounting Policies	NOTE 1: ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Description of Business EZCORP, Inc. (collectively with its subsidiaries, the “Company,” “we,” “us,” or “our”) is a provider of pawn loans in the United States (“U.S.”), Latin America and the Caribbean. Pawn loans are non-recourse loans collateralized by tangible property. We also sell merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. Basis of Presentation The accompanying interim unaudited condensed consolidated financial statements (“Condensed Consolidated Financial Statements”) have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by U.S. GAAP for complete financial statements. These Condensed Consolidated Financial Statements should be read in conjunction with the audited consolidated financial statements and related notes contained in our Annual Report on Form 10-K for the year ended September 30, 2025, filed with the Securities and Exchange Commission (“SEC”) on November 13, 2025 (“2025 Annual Report”). In the opinion of management, the accompanying Condensed Consolidated Financial Statements include all adjustments, consisting of normal recurring adjustments, considered necessary for a fair presentation. Financial results for the periods presented are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2026 or any other period due, in part, to seasonal variations. Beginning in the first quarter of fiscal 2026, following a review of segment expenses to better align direct operating expenses with the respective segments, we modified our methodology for allocating certain expenses used in evaluating financial and segment performance and resource allocation. Specifically, we no longer allocate certain administrative expenses to our Latin America Pawn and U.S. Pawn segments; these costs are now reported within the "General and administrative" line in our Condensed Consolidated Statements of Operations. We have recast the Condensed Consolidated Statements of Operations and segment contribution for prior periods to conform to this methodology. This resulted in a classification change of certain expenses totaling $5.5 million and $11.0 million from Store expenses to General and administrative for the three and six months ended March 31, 2025, respectively. Additionally, segment contribution no longer includes certain administrative allocations to segments; these costs are now included within Corporate. Refer to Note 11: Segment Information. There was no impact to Total operating expenses, Operating income, or Consolidated net income on our Condensed Consolidated Statements of Operations. As a result of the acquisition of Founders One, LLC ("Founders") and its subsidiary Simple Management Group, Inc. ("SMG") effective January 2, 2026, the composition of our reportable segments changed beginning in the second quarter of fiscal 2026. SMG is now reported as a standalone reportable segment. Our equity interest in Cash Converters International Limited (“Cash Converters”) is now included within Corporate, and the Other Investments segment has been eliminated. Prior period segment information has been recast to conform to the current presentation. Refer to Note 11: Segment Information. Summary of Significant Accounting Policies There were no material changes to our significant accounting policies during the six months ended March 31, 2026 from the policies described in our 2025 Annual Report. Use of Estimates and Assumptions The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Such estimates and assumptions include the determination of inventory reserves, expected credit losses, useful lives of long-lived and intangible assets, valuation of share-based compensation, valuation of equity investments, valuation of deferred tax assets and liabilities, loss contingencies related to litigation and discount rates used for operating leases. We base our estimates on historical experience, observable trends and various other assumptions we believe are reasonable. Actual results may differ materially from these estimates under different assumptions or conditions. Merchandise Sales Revenues Recognition Customer layaway deposits are recorded as liabilities when a customer provides a deposit for merchandise. Upon cancellation, customer layaway deposits are generally refundable, less a cancellation fee, via credit slip. Our customer layaway deposits balance as of March 31, 2026, 2025 and September 30, 2025 was $39.5 million, $31.0 million and $33.9 million, respectively, and are generally recognized as revenues within a one-year period. Recently Issued Accounting Pronouncements In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (“ASU 2023-09”). ASU 2023-09 requires disclosure of specific categories and disaggregation of information in the rate reconciliation table. The ASU also requires disclosure of disaggregated information related to income taxes paid, income or loss from continuing operations before income tax expense or benefit and income tax expense or benefit from continuing operations. The requirements of this ASU 2023-09 are effective for the Company for annual periods beginning after December 15, 2024. Early adoption is permitted, and the amendments should be applied on a prospective basis. Retrospective application is permitted. The adoption of this ASU is expected to only impact disclosures with respect to the Company’s consolidated financial statements. In November 2024, the FASB issued ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses (“ASU 2024-03”). Additionally, in January 2025, the FASB issued ASU 2025-01 to clarify the effective date of ASU 2024-03. ASU 2024-03 requires disclosure in the notes to the financial statements of specified information about certain costs and expenses. The requirements of ASU 2024-03 are effective for the Company for fiscal years beginning after December 15, 2026 and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted and should be applied either prospectively to financial statements issued for reporting periods after the effective date of this ASU or retrospectively to any or all periods presented in the financial statements. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In May 2025, the FASB issued ASU 2025-03, Business Combinations (Topic 805) and Consolidation (Topic 810): Determining the Accounting Acquirer in the Acquisition of a Variable Interest Entity (“ASU 2025-03”). ASU 2025-03 revises current guidance for determining the accounting acquirer for a transaction effected primarily by exchanging equity interests in which the legal acquiree is a variable interest entity that meets the definition of a business. The amendments require that an entity consider the same factors that are currently required for determining which entity is the accounting acquirer in other acquisition transactions. The requirements of ASU 2025-03 are effective for the Company for fiscal years beginning after December 15, 2026, and interim periods within those periods. Early adoption is permitted as of the beginning of an interim or annual reporting period. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In September 2025, the FASB issued ASU 2025-06, Intangibles - Goodwill and Other - Internal-use Software: Targeted Improvements to the Accounting for Internal-use Software which amends the guidance in ASC 350-40, Intangibles-Goodwill and Other-Internal-Use Software. The amendments modernize the recognition and disclosure framework for internal-use software costs, removing the previous “development stage” model and introducing a more judgment-based approach. ASU 2025-06 is effective for fiscal years beginning after December 15, 2027 with early adoption permitted. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In November 2025, the FASB issued ASU 2025-08, Financial Instruments - Credit Losses (Topic 326): Purchased Loans. ASU 2025-08 expands the use of the gross up method to certain acquired loans. Purchased season loans will be accounted for using the gross-up approach. The ASU is effective for fiscal years beginning after December 15, 2026, including interim periods within those fiscal years. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270), which clarifies the scope of interim reporting requirements and introduces a principles-based framework for disclosure of material events occurring after the most recent annual period. The ASU also consolidates interim disclosure requirements from other Codification topics into ASC 270. The guidance is effective for interim periods beginning after December 15, 2027, with early adoption permitted. We are currently evaluating the impact of this standard on our interim reporting disclosures.

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Operating activities:
Net income	$ 93,888	$ 56,406
Adjustments to reconcile net income to net cash flows from operating activities:
Depreciation and amortization	18,344	16,355
Amortization of deferred financing costs	925	725
Non-cash lease expense	33,267	28,943
Deferred income taxes	(259)	10
Other adjustments	(897)	(1,241)
Provision for inventory reserve	(849)	39
Stock compensation expense	8,534	5,001
Equity in net income from investment in unconsolidated affiliates	(2,989)	(2,980)
Gain from remeasurement of previously held equity interest	(1,596)	0
Changes in operating assets and liabilities, net of business acquisitions:
Pawn service charges receivable	1,515	1,547
Inventory	(298)	(5,390)
Prepaid expenses, other current assets and other assets	(19,114)	444
Accounts payable, accrued expenses and other liabilities	(47,443)	(45,490)
Customer layaway deposits	3,537	9,640
Income taxes	1,044	(1,081)
Net cash provided by operating activities	87,609	62,928
Investing activities:
Loans made	(591,148)	(484,611)
Loans repaid	351,519	284,095
Recovery of pawn loan principal through sale of forfeited collateral	240,010	198,387
Capital expenditures	(17,910)	(13,966)
Acquisitions, net of cash acquired	(25,640)	(79)
Issuance of notes receivable	(9,000)	0
Investment in unconsolidated affiliate	(7,231)	(509)
Dividends from unconsolidated affiliates	1,810	1,902
Net cash used in investing activities	(57,590)	(14,781)
Financing activities:
Taxes paid related to net share settlement of equity awards	(6,347)	(3,971)
Proceeds from issuance of debt	0	300,000
Debt issuance cost	0	(5,310)
Payments on debt	(134,151)	0
Purchase and retirement of treasury stock	(4,008)	(3,997)
Payments of finance leases	(543)	(266)
Net cash (used in) provided by financing activities	(145,049)	286,456
Effect of exchange rate changes on cash and cash equivalents and restricted cash	379	328
Net (decrease) increase in cash, cash equivalents and restricted cash	(114,651)	334,931
Cash and cash equivalents and restricted cash at beginning of period	484,713	179,807
Cash and cash equivalents and restricted cash at end of period	$ 370,062	$ 514,738

Debt - Schedule of Interest Expense (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Debt Instrument [Line Items]
Amortization of deferred financing costs			$ 925	$ 725
Senior Notes \| 2032 Senior Notes
Debt Instrument [Line Items]
Contractual interest expense	$ 5,531	$ 184	11,063	184
Amortization of deferred financing costs	218	7	432	7
Total interest expense	5,749	191	11,495	191
Senior Notes \| 2029 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	2,156	2,157	4,313	4,313
Amortization of deferred financing costs	228	217	493	466
Total interest expense	2,384	2,374	4,806	4,779
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	0	614	0	1,228
Amortization of deferred financing costs	0	119	0	252
Total interest expense	$ 0	$ 733	$ 0	$ 1,480

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

Strategic Investments	6 Months Ended
Strategic Investments	Mar. 31, 2026
Equity Method Investments and Joint Ventures [Abstract]
Strategic Investments	NOTE 6: STRATEGIC INVESTMENTS Cash Converters International Limited As of March 31, 2026, we owned approximately 43.7% of Cash Converters. We acquired our original investment in November 2009 and have increased our ownership through the acquisition of additional shares periodically since that time. During the six months ended March 31, 2026, we acquired an additional 35,780,747 shares for $7.1 million bringing our total shares owned to 309,719,904 shares. This additional investment did not increase our ownership percentage in Cash Converters. We received cash dividends from Cash Converters of $1.8 million and $1.9 million during the six months ended March 31, 2026 and 2025, respectively. During the three and six-month periods ended March 31, 2026 and 2025, we recorded our share of income of $1.0 million and $1.9 million, and $2.9 million and $3.5 million, respectively, from Cash Converters, included in “Equity in net income of unconsolidated affiliates” in the Condensed Consolidated Statements of Operations. See Note 7: Fair Value Measurements for the fair value and carrying value of our investment in Cash Converters. Founders One, LLC In fiscal 2022, we invested $15.0 million in exchange for a non-redeemable voting participating preferred equity interest in Founders, a then newly-formed entity with one other member. In fiscal 2023, we contributed an additional $15.0 million associated with our preferred interest and loaned Founders $15.0 million in exchange for a Demand Promissory Note secured by the common interest held by the other member. In fiscal 2024, we contributed an additional $15.0 million associated with our preferred interest, bringing our total preferred equity investment in Founders to $45.0 million. On January 2, 2026 we acquired a controlling interest in Founders through a combination of the exchange of our preferred equity investment in Founders, conversion of a Demand Promissory Note, and cash on hand, see Note 2: Acquisitions. In prior periods, our preferred equity investment in Founders, a variable interest entity, was accounted for utilizing the measurement alternative within ASC 321, Investments — Equity Securities and presented in “Other investments” in our Condensed Consolidated Balance Sheets.

Goodwill (Tables)

6 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Goodwill

The following table summarizes the changes in the carrying amount of goodwill by segment and in total:


(in thousands)	U.S. Pawn		Latin America Pawn		SMG		Consolidated

Balance as of September 30, 2025	$	268,063	$	56,826	$	—	$	324,889
Acquisitions(a)	22,638		1,689		123,435		147,762
Effect of foreign currency translation changes	—		862		—		862
Balance as of March 31, 2026	$	290,701	$	59,377	$	123,435	$	473,513

(a) Amount includes goodwill recognized in connection with acquisitions during the six months ended March 31, 2026 that were immaterial, individually and in the aggregate, and we have therefore omitted certain disclosures in this Form 10-Q.


(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balance as of September 30, 2024	$	264,428	$	42,050	$	306,478
Effect of foreign currency translation changes	—		(1,239)		(1,239)
Balance as of March 31, 2025	$	264,428	$	40,811	$	305,239

- Definition

Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.

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+ Details

Common Stock and Stock Compensation (Tables)

6 Months Ended

Mar. 31, 2026

Share-Based Payment Arrangement [Abstract]

Schedule of Restricted Stock Award Activity

The following table presents a summary of stock compensation activity:


	Shares	Weighted Average Grant Date Fair Value

Outstanding as of September 30, 2025	2,321,840	$	8.85
Granted	868,426	15.69
Released	(1,223,562)	9.26
Cancelled	(14,358)	12.16
Outstanding as of March 31, 2026	1,952,346	$	11.61

Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Operating lease cost:
Operating lease cost	$ 23,249	$ 18,244	$ 44,110	$ 38,213
Variable lease cost	6,693	5,759	11,726	9,052
Total operating lease cost	29,942	24,003	55,836	47,265
Financing lease cost:
Amortization of financing lease assets	178	143	335	282
Interest on financing lease liabilities	35	41	72	85
Total financing lease cost	213	184	407	367
Total lease cost	30,155	24,187	56,243	47,632
Sublease income	$ 600	$ 600	$ 1,400	$ 1,300
Weighted-average remaining lease term (years):
Operating leases	5 years 3 months 18 days	5 years 3 days	5 years 3 months 18 days	5 years 3 days
Financing leases	2 years 25 days	2 years 3 months 21 days	2 years 25 days	2 years 3 months 21 days
Weighted-average discount rate:
Operating leases	8.41%	8.56%	8.41%	8.56%
Financing leases	12.08%	11.14%	12.08%	11.14%

Acquisitions - Additional Information (Details)				3 Months Ended				6 Months Ended		15 Months Ended
Acquisitions - Additional Information (Details)	Jan. 12, 2026 USD ($) store	Jan. 02, 2026 USD ($) store country	Jan. 01, 2026 USD ($)	Mar. 31, 2026 USD ($)	Mar. 31, 2026 USD ($)	Mar. 31, 2026 USD ($)	Mar. 31, 2025 USD ($)	Mar. 31, 2026 USD ($)	Mar. 31, 2025 USD ($)	Mar. 31, 2026 USD ($)	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)
Business Combination [Line Items]
Gain from remeasurement of previously held equity interest			$ 1,600,000			$ 1,600,000		$ 1,596,000	$ 0
Acquisition related cost							$ 700,000		$ 700,000
SMG \| Secured Debt
Business Combination [Line Items]
Principal amount		$ 156,400,000
Stated interest rate		13.00%
Debt instrument, term		3 years
Founders One LLC
Business Combination [Line Items]
Equity securities, fair value		$ 15,000,000.0	$ 46,600,000								$ 45,000,000.0
Total assets		15,000,000.0										$ 15,000,000.0
Financing receivable, accrued interest, after allowance for credit loss		$ 3,900,000
Founders One LLC
Business Combination [Line Items]
Subsidiary, ownership percentage		87.70%
Founders One LLC
Business Combination [Line Items]
Number of stores \| store		105
Number of additional countries \| country		11
Founders One LLC \| SMG
Business Combination [Line Items]
Subsidiary, ownership percentage		85.10%
Third Party \| Founders One LLC
Business Combination [Line Items]
Subsidiary, ownership percentage, noncontrolling owner		12.30%
Third Party Shareholders \| SMG
Business Combination [Line Items]
Subsidiary, ownership percentage, noncontrolling owner		14.90%
Founders One LLC
Business Combination [Line Items]
Equity securities, fair value		$ 45,000,000.0
Total assets		15,000,000.0
Payments to acquire businesses		$ 4,400,000
Equity interest acquired, percentage		87.70%
Expected tax deductible, amount		$ 0
Measurement period adjustments						$ 0
Revenue				$ 51,300,000
Income before income tax				$ 8,800,000
Acquisition related cost								$ 600,000		$ 1,500,000
El Bufalo Pawn
Business Combination [Line Items]
Payments to acquire businesses	$ 26,444,000
Revenue					$ 2,700,000
Income before income tax					$ 600,000
Number of pawn stores acquired \| store	12
Initial purchase price	$ 27,800,000
Amount payable over next twelve months	$ 1,400,000

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended				6 Months Ended
	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024	Mar. 31, 2026	Mar. 31, 2025
Basic earnings per common share:
Consolidated net income	$ 49,584	$ 44,304	$ 25,390	$ 31,016	$ 93,888	$ 56,406
Consolidated net (income) attributable to non-controlling interest	(481)		0		(481)	0
Consolidated net income attributable to EZCORP - basic	$ 49,103		$ 25,390		$ 93,407	$ 56,406
Weighted shares outstanding - basic (in shares)	61,653		54,965		61,446	54,895
Basic earnings per common share attributable to EZCORP (in dollars per share)	$ 0.80		$ 0.46		$ 1.52	$ 1.03
Diluted earnings per common share:
Consolidated net income attributable to EZCORP - basic	$ 49,103		$ 25,390		$ 93,407	$ 56,406
Add: Convertible Notes interest expense, net of tax	1,850		2,405		3,728	4,844
Consolidated net income attributable to EZCORP - diluted	$ 50,953		$ 27,795		$ 97,135	$ 61,250
Weighted shares outstanding - basic (in shares)	61,653		54,965		61,446	54,895
Equity-based compensation awards - effect of dilution (in shares)	1,280		1,196		1,431	1,373
Convertible Notes - effect of dilution (in shares)	20,477		26,979		20,477	26,979
Weighted shares outstanding - diluted (in shares)	83,410		83,140		83,354	83,247
Diluted earnings per common share attributable to EZCORP (in dollars per share)	$ 0.61		$ 0.33		$ 1.17	$ 0.74
3.750% Convertible Senior Notes, Due 2029 \| Senior Notes
Diluted earnings per common share:
Stated interest rate	3.75%				3.75%
2.375% Convertible Senior Notes, Due 2025 \| Senior Notes
Diluted earnings per common share:
Stated interest rate			2.375%			2.375%
Weighted average shares (in shares)			6,500			6,500
Restricted stock
Diluted earnings per common share:
Potential common shares excluded from the calculation of diluted earnings per common share (in shares)	1,462		1,424		1,463	1,433

Acquisitions - Schedule of Intangible Assets and Goodwill (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Jan. 02, 2026	Sep. 30, 2025	Mar. 31, 2025	Sep. 30, 2024
Business Combination [Line Items]
Goodwill	$ 473,513		$ 324,889	$ 305,239	$ 306,478
Founders One LLC
Business Combination [Line Items]
Consideration transferred		$ 4,350
Fair value of previously held preferred equity interest		46,595
Fair value of previously held demand promissory note		15,000
Fair value of noncontrolling interest in Founders		8,849
Fair value of noncontrolling interest in SMG		12,586
Total consideration		87,380
Net liabilities assumed		(36,055)
Goodwill		$ 123,435

Acquisitions - Purchase Price Allocation (Details) - USD ($) $ in Thousands	Jan. 12, 2026	Jan. 02, 2026	Mar. 31, 2026	Sep. 30, 2025	Mar. 31, 2025	Sep. 30, 2024
Assets acquired:
Goodwill			$ 473,513	$ 324,889	$ 305,239	$ 306,478
Founders One LLC
Assets acquired:
Cash and cash equivalents		$ 14,345
Pawn loans		33,982
Pawn service charges receivable		4,843
Inventory		22,535
Prepaid expenses and other current assets		5,619
Property and equipment		10,814
Right-of-use assets		26,465
Tradenames		60,900
Goodwill		123,435
Total assets acquired		179,503
Liabilities assumed:
Accounts payable, accrued expenses and other current liabilities		22,494
Long-term debt		150,339
Operating lease liabilities		26,465
Deferred tax liability		16,260
Total liabilities assumed		215,558
Net liabilities assumed		(36,055)
Cash Paid		$ 4,400
El Bufalo Pawn
Assets acquired:
Cash and cash equivalents	$ 146
Pawn loans	3,421
Pawn service charges receivable	617
Inventory	3,173
Property and equipment	60
Right-of-use assets	7,122
Tradenames	4,100
Other assets	62
Goodwill	19,153
Total assets acquired	37,854
Liabilities assumed:
Customer layaway deposits	733
Operating lease liabilities	9,302
Total liabilities assumed	10,035
Total consideration	27,819
Retained Payment	(1,375)
Cash Paid	$ 26,444

Acquisitions

6 Months Ended

Mar. 31, 2026

Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]

Acquisitions

NOTE 2: ACQUISITIONS

Founders One Acquisition

On January 2, 2026, we acquired a controlling interest in Founders by exchanging our existing $45.0 million preferred equity investment and $15.0 million demand promissory note into common equity and contributing an additional $4.4 million in cash. We now own 87.7% of Founders' outstanding common equity. At the time of acquisition, Founders, through its subsidiary SMG, operated 105 pawn stores in the United States and 11 additional countries, primarily under the names "La Familia Pawn and Jewelry" and "CashWiz." Founders holds 85.1% ownership interest in SMG. The acquisition advances our strategy to expand our global pawn operations by consolidating our interest in an established multi-country platform and existing operational infrastructure. Following the departure of the SMG CEO in April, we have assumed direct operational management of SMG.

This transaction was accounted for as a business combination achieved in stages. Immediately prior to the acquisition date, we remeasured our previously held preferred equity investment to its acquisition-date fair value of $46.6 million, resulting in a pre-tax gain of $1.6 million recognized in Other (income) expense in our Condensed Consolidated Statements of Operations during the three months ended March 31, 2026. The acquisition-date fair value of the previously held preferred equity interest was determined using the income approach (discounted cash flow method) and the market approach (guideline public company method). The value attributable to the preferred equity class was determined using an option pricing model, with significant inputs including expected volatility, a risk-free rate, and an estimated time to liquidity.

Our previously held demand promissory note was remeasured to its acquisition-date fair value of $15.0 million, with no gain or loss recognized. In connection with the acquisition, a demand promissory note with a principal balance of $15.0 million and accrued interest of $3.9 million previously held by us at the Founders level was repaid through proceeds of a new debt facility entered into by SMG. This repayment represented the settlement of a pre-existing creditor relationship and was accounted for separately from the business combination. The settlement amount was determined based on the carrying value of the note, which approximated fair value due to its demand nature and market interest rate. No gain or loss resulted from the settlement, and no amount was recognized in our Condensed Consolidated Statements of Operations.

This transaction qualifies as a business combination under ASC 805 due to the acquisition of an integrated set of inputs and processes that are capable of generating outputs. The acquisition included an organized workforce, established pawn operations, and the intellectual property and operational systems across 105 stores. The assets acquired and liabilities assumed are based upon the fair values at the date of acquisition. The excess of the aggregate of consideration transferred, the acquisition-date fair value of previously held interests, and the fair values of noncontrolling interests over the estimated fair value of net identifiable liabilities assumed has been recorded as goodwill.

The purchase price allocation is as follows (in thousands):


Assets acquired:
Cash and cash equivalents	$	14,345
Pawn loans	33,982
Pawn service charges receivable	4,843
Inventory	22,535
Prepaid expenses and other current assets	5,619
Property and equipment	10,814
Right-of-use assets	26,465
Tradenames	60,900
Total assets acquired	179,503

Liabilities assumed:
Accounts payable, accrued expenses and other current liabilities	$	22,494
Long-term debt	150,339
Operating lease liabilities	26,465
Deferred tax liability	16,260
Total liabilities assumed	215,558

Net liabilities assumed	$	(36,055)

Goodwill was calculated as follows (in thousands):


Consideration transferred	$	4,350
Fair value of previously held preferred equity interest	46,595
Fair value of previously held demand promissory note	15,000
Fair value of noncontrolling interest in Founders	8,849
Fair value of noncontrolling interest in SMG	12,586
Total	87,380
Less: net identifiable liabilities assumed	(36,055)
Goodwill	$	123,435

The fair values of the noncontrolling interests in Founders and SMG were determined using a combination of the income approach (discounted cash flow method) and the market approach (guideline public company method), with significant inputs including projected cash flows, a discount rate, and market multiples.

In connection with the acquisition, we entered into a three-year senior secured intercompany debt facility with SMG providing $156.4 million in funding at 13% per annum. SMG used the facility proceeds to retire its pre-existing third-party debt, which is reflected as assumed debt in the purchase price allocation above. The cash outflow is presented within “Payments of debt” on the Condensed Consolidated Statements of Cash Flows. This intercompany facility eliminates upon consolidation.

The factors contributing to the recognition of goodwill, which is recorded in our SMG segment, include the value of SMG's assembled workforce, established multi-country store network, and expected synergies with our existing U.S. and Latin America pawn operations. None of the goodwill resulting from this business combination is expected to be deductible for income tax purposes.

The tradenames acquired have been assigned indefinite useful lives and will not be amortized. They will be tested for impairment at least annually in accordance with ASC 350.

The purchase price allocation presented above is preliminary. The fair values of tradenames, certain payroll related liabilities, and deferred taxes have not been finalized. All other amounts are also subject to adjustment during the measurement period as additional information is obtained about facts and circumstances that existed as of the acquisition date. No measurement period adjustments were recorded during the three months ended March 31, 2026.

The results of this acquisition have been included in our Condensed Consolidated Financial Statements from January 2, 2026 and are reported in our SMG segment. The acquired business contributed revenues of $51.3 million and income before income tax of $8.8 million for the period from January 2, 2026 through March 31, 2026.

During the six months ended March 31, 2026, we incurred total acquisition costs of approximately $0.6 million related to the Founders acquisition. Cumulative acquisition-related costs incurred through March 31, 2026 were approximately $1.5 million. The acquisition costs were primarily related to legal, accounting and consulting services, were expensed as incurred and are included in general and administrative expenses in the Condensed Consolidated Statements of Operations.

Founders and SMG are variable interest entities, as neither entity has sufficient equity at risk to finance its activities without additional subordinated financial support. We are now the primary beneficiary of both entities and directly or indirectly hold a majority voting interest in each. We determined that we are the primary beneficiary based on our role as sole Manager of Founders, which controls SMG's board of directors, and our obligation to absorb losses or receive benefits through our 87.7% equity interest in Founders and related lending arrangements. Founders is a holding entity whose sole asset is its equity interest in SMG, which eliminates upon consolidation. SMG is the operating entity whose assets and liabilities are included in our Condensed Consolidated Financial Statements. As SMG meets the definition of a business, we indirectly hold a majority voting interest through Founders, which owns 85.1% of SMG's outstanding common stock, and SMG's assets can be used for purposes other than the settlement of its obligations, certain incremental VIE disclosures are not required in accordance with ASC 810-10-50-5B. The third-party member of Founders holds 12.3% of Founders' outstanding common equity. Third-party shareholders hold 14.9% of SMG's outstanding common stock. These noncontrolling interests are presented separately within Stockholders’ equity on our Condensed Consolidated Balance Sheets.

El Bufalo Pawn Acquisition

On January 12, 2026, we acquired the business operations of 12 pawn stores in Texas, primarily in the Laredo area, operating under the name "El Bufalo Pawn," from LBP, L.P. and certain individual sellers. The total consideration was approximately $27.8 million in cash, of which approximately $1.4 million was retained for standard indemnification purposes and is expected to be paid within twelve months of the acquisition date. The retained payment is included in Accounts payable, accrued expenses and other current liabilities on our Condensed Consolidated Balance Sheets as of March 31, 2026.

This transaction qualifies as a business combination under ASC 805 due to the acquisition of an integrated set of inputs and processes that are capable of generating outputs. Although the transaction includes tangible assets such as loans and inventory, the inclusion of operating infrastructure, licenses, and a functioning workforce supports the conclusion that a business, rather than a group of assets, was acquired.

The assets acquired and liabilities assumed are based upon the fair values at the date of acquisition. The excess purchase price over the estimated fair market value of the net assets acquired has been recorded as goodwill.

The final purchase price allocation is as follows (in thousands):


Assets acquired:
Cash and cash equivalents	$	146
Pawn loans	3,421
Pawn service charges receivable	617
Inventory	3,173
Property and equipment	60
Intangible assets - Trade names	4,100
Right-of-use assets	7,122
Other assets	62
Goodwill	19,153
Total assets acquired	37,854

Liabilities assumed:
Customer layaway deposits	$	733
Operating lease liabilities	9,302
Total liabilities assumed	10,035

Total consideration	27,819
Retained Payment	(1,375)
Cash Paid	$	26,444

The factors contributing to the recognition of goodwill, which is recorded in our U.S. Pawn segment, were based on several strategic benefits we expect to realize from the acquisition, including expansion of our store base in the Laredo market and the ability to further leverage our pawn expertise. We expect all of the goodwill resulting from this business combination will be deductible for income tax purposes.

The results of this acquisition have been included in our Condensed Consolidated Financial Statements from January 12, 2026 and are reported in our U.S. Pawn segment. The acquired business contributed revenues of $2.7 million and income before income tax of $0.6 million for the period from January 12, 2026 through March 31, 2026.

During the six months ended March 31, 2026, total acquisition costs were immaterial. The acquisition costs were primarily related to legal, accounting and consulting services, were expensed as incurred and are included in general and administrative expenses in the Condensed Consolidated Statements of Operations.

Unaudited Supplementary Pro Forma Financial Information

The following unaudited pro forma summary presents consolidated information for us as if both business combinations described in this note had occurred on October 1, 2024. The pro forma information is not necessarily indicative of our results of operations had the acquisitions been completed on the above date, nor is it necessarily indicative of our future results. The pro forma information does not reflect any cost savings from operating efficiencies or synergies that could result from the acquisitions, nor does it reflect additional revenue opportunities following the acquisitions.


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2026		2025		2026		2025

Total revenues	$	446,881	$	348,632	$	883,357	$	719,361
Consolidated net income	$	48,336	$	21,497	$	88,213	$	45,741

Pro forma net income for the three and six months ended March 31, 2026 was adjusted to exclude the $1.6 million gain on remeasurement of the previously held equity interest in Founders and approximately $0.7 million of acquisition-related costs directly attributable to the acquisitions. Pro forma net income for the three and six months ended March 31, 2025 was adjusted to include these amounts. These pro forma amounts have been calculated after applying the Company's accounting policies.

- Definition

The entire disclosure for business combination.

+ References

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+ Details

Supplemental Consolidated Financial Information (Tables)

6 Months Ended

Mar. 31, 2026

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Schedule of Information on Accounts Receivable, Net, Inventories, Net, Property and Equipment, Net

The following table provides supplemental information on net amounts included in our condensed consolidated balance sheets:


(in thousands)	March 31, 2026		March 31, 2025		September 30, 2025

Gross pawn service charges receivable	$	67,090	$	54,024	$	63,348
Allowance for uncollectible pawn service charges receivable	(14,059)		(11,701)		(14,615)
Pawn service charges receivable, net	$	53,031	$	42,323	$	48,733

Gross inventory	$	279,303	$	211,191	$	252,049
Inventory reserves	(3,340)		(3,408)		(3,592)
Inventory, net	$	275,963	$	207,783	$	248,457

Prepaid expenses and other	$	15,698	$	3,740	$	9,429
Accounts receivable and other	34,173		15,912		15,106
Notes receivable	—		17,575		24,369
Income taxes prepaid and receivable	8,680		3,056		2,317
Prepaid expenses and other current assets	$	58,551	$	40,283	$	51,221

Property and equipment, gross	$	338,530	$	284,008	$	310,278
Accumulated depreciation	(251,636)		(219,858)		(234,947)
Property and equipment, net	$	86,894	$	64,150	$	75,331

Accounts payable	$	24,827	$	14,927	$	22,923
Accrued payroll	25,411		15,538		19,063
Incentive accrual	18,025		9,554		20,068
Accrued interest payable	13,578		3,723		13,763
Other payroll related expenses	6,826		4,132		5,704
Accrued sales and VAT taxes	5,432		4,035		4,377
Accrued income taxes payable	12,913		4,938		5,515
Other current liabilities	17,173		13,996		14,030
Accounts payable, accrued expenses and other current liabilities	$	124,185	$	70,843	$	105,443

Schedule of Supplemental Disclosure of Consolidated Statements of Cash Flows Information

The following table provides supplemental disclosure of condensed consolidated statements of cash flows information:


	Six Months Ended March 31,
(in thousands)	2026		2025

Supplemental disclosure of cash flow information
Cash and cash equivalents at beginning of period	$	469,524	$	170,513
Short-term restricted cash at beginning of period	525		9,294
Long-term restricted cash at beginning of period	14,664		—
Total cash and cash equivalents and restricted cash at beginning of period	$	484,713	$	179,807

Cash and cash equivalents at end of period	$	354,175	$	505,239
Short-term restricted cash at end of period	958		9,499
Long-term restricted cash at end of period	14,929		—
Total cash and cash equivalents and restricted cash at end of period	$	370,062	$	514,738

Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	$	239,951	$	210,786
Accrued acquisition consideration	$	1,650	$	—
Conversion of promissory note to equity	$	15,000	$	—
Fair value of preferred equity investment converted to equity in Founders	$	46,600	$	—
Accrued debt issuance costs	$	—	$	2,231

Leases - Additional Information (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Lessee, Lease, Description [Line Items]
Operating lease payments	$ 23.4	$ 20.0	$ 44.7	$ 40.0
Operating lease liability non cash			$ 65.3	$ 34.0
Minimum
Lessee, Lease, Description [Line Items]
Initial term of lease	5 years		5 years
Finance, term of lease	2 years		2 years
Maximum
Lessee, Lease, Description [Line Items]
Initial term of lease	10 years		10 years
Finance, term of lease	5 years		5 years

Fair Value Measurements - Schedule of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Sep. 30, 2025	Mar. 31, 2025
Carrying Value
Financial assets:
Promissory note receivable from Founders		$ 24,369	$ 16,921
Investments in unconsolidated affiliates	$ 26,093	18,123	13,967
Carrying Value \| 2025 Convertible Notes
Financial liabilities:
Debt instruments, fair value			103,325
Carrying Value \| 2029 Convertible Notes
Financial liabilities:
Debt instruments, fair value	225,751	225,258	224,723
Carrying Value \| 2032 Senior Notes
Financial liabilities:
Debt instruments, fair value	293,250	292,818	292,465
Estimated Fair Value
Financial assets:
Promissory note receivable from Founders		24,369	16,921
Investments in unconsolidated affiliates	61,839	59,729	42,199
Estimated Fair Value \| 2025 Convertible Notes
Financial liabilities:
Debt instruments, fair value			104,024
Estimated Fair Value \| 2029 Convertible Notes
Financial liabilities:
Debt instruments, fair value	558,257	422,931	338,089
Estimated Fair Value \| 2032 Senior Notes
Financial liabilities:
Debt instruments, fair value	313,420	320,734	305,117
Estimated Fair Value \| Level 1
Financial assets:
Promissory note receivable from Founders		0	0
Investments in unconsolidated affiliates	60,459	58,573	41,349
Estimated Fair Value \| Level 1 \| 2025 Convertible Notes
Financial liabilities:
Debt instruments, fair value			0
Estimated Fair Value \| Level 1 \| 2029 Convertible Notes
Financial liabilities:
Debt instruments, fair value	0	0	0
Estimated Fair Value \| Level 1 \| 2032 Senior Notes
Financial liabilities:
Debt instruments, fair value	0	0	0
Estimated Fair Value \| Level 2
Financial assets:
Promissory note receivable from Founders		0	0
Investments in unconsolidated affiliates	0	0	0
Estimated Fair Value \| Level 2 \| 2025 Convertible Notes
Financial liabilities:
Debt instruments, fair value			104,024
Estimated Fair Value \| Level 2 \| 2029 Convertible Notes
Financial liabilities:
Debt instruments, fair value	558,257	422,931	338,089
Estimated Fair Value \| Level 2 \| 2032 Senior Notes
Financial liabilities:
Debt instruments, fair value	313,420	320,734	305,117
Estimated Fair Value \| Level 3
Financial assets:
Promissory note receivable from Founders		24,369	16,921
Investments in unconsolidated affiliates	1,380	1,156	850
Estimated Fair Value \| Level 3 \| 2025 Convertible Notes
Financial liabilities:
Debt instruments, fair value			0
Estimated Fair Value \| Level 3 \| 2029 Convertible Notes
Financial liabilities:
Debt instruments, fair value	0	0	0
Estimated Fair Value \| Level 3 \| 2032 Senior Notes
Financial liabilities:
Debt instruments, fair value	$ 0	$ 0	$ 0

Debt (Tables)

6 Months Ended

Mar. 31, 2026

Debt Disclosure [Abstract]

Schedule of Long Term Debt Instruments

The following table presents the Company's debt instruments outstanding:


	March 31, 2026						March 31, 2025						September 30, 2025
(in thousands)	Gross Amount		Deferred Financing Costs		Carrying Amount		Gross Amount		Deferred Financing Costs		Carrying Amount		Gross Amount		Deferred Financing Costs		Carrying Amount

2032 Senior Notes	$	300,000	$	(6,750)	$	293,250	$	300,000	$	(7,535)	$	292,465	$	300,000	$	(7,182)	$	292,818
2029 Convertible Notes	230,000		(4,249)		225,751		230,000		(5,277)		224,723		230,000		(4,742)		225,258
2025 Convertible Notes	—		—		—		103,373		(48)		103,325		—		—		—
Total	$	530,000	$	(10,999)	$	519,001	$	633,373	$	(12,860)	$	620,513	$	530,000	$	(11,924)	$	518,076
Less current portion	—		—		—		103,373		(48)		103,325		—		—		—
Total long-term debt	$	530,000	$	(10,999)	$	519,001	$	530,000	$	(12,812)	$	517,188	$	530,000	$	(11,924)	$	518,076

Schedule of Interest Expense

The following table presents the Company’s interest expense related to its debt for the three and six months ended March 31, 2026 and 2025:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2026		2025		2026		2025

2032 Senior Notes:
Contractual interest expense	$	5,531	$	184	$	11,063	$	184
Amortization of deferred financing costs	218		7		432		7
Total interest expense	$	5,749	$	191	$	11,495	$	191

2029 Convertible Notes:
Contractual interest expense	$	2,156	$	2,157	$	4,313	$	4,313
Amortization of deferred financing costs	228		217		493		466
Total interest expense	$	2,384	$	2,374	$	4,806	$	4,779

2025 Convertible Notes:
Contractual interest expense	$	—	$	614	$	—	$	1,228
Amortization of deferred financing costs	—		119		—		252
Total interest expense	$	—	$	733	$	—	$	1,480

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

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+ Details

Acquisitions (Tables)

6 Months Ended

Mar. 31, 2026

Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]

Schedule of Purchase Price Allocation

The purchase price allocation is as follows (in thousands):


Assets acquired:
Cash and cash equivalents	$	14,345
Pawn loans	33,982
Pawn service charges receivable	4,843
Inventory	22,535
Prepaid expenses and other current assets	5,619
Property and equipment	10,814
Right-of-use assets	26,465
Tradenames	60,900
Total assets acquired	179,503

Liabilities assumed:
Accounts payable, accrued expenses and other current liabilities	$	22,494
Long-term debt	150,339
Operating lease liabilities	26,465
Deferred tax liability	16,260
Total liabilities assumed	215,558

Net liabilities assumed	$	(36,055)

The final purchase price allocation is as follows (in thousands):


Assets acquired:
Cash and cash equivalents	$	146
Pawn loans	3,421
Pawn service charges receivable	617
Inventory	3,173
Property and equipment	60
Intangible assets - Trade names	4,100
Right-of-use assets	7,122
Other assets	62
Goodwill	19,153
Total assets acquired	37,854

Liabilities assumed:
Customer layaway deposits	$	733
Operating lease liabilities	9,302
Total liabilities assumed	10,035

Total consideration	27,819
Retained Payment	(1,375)
Cash Paid	$	26,444

Schedule of Intangible Assets and Goodwill

Goodwill was calculated as follows (in thousands):


Consideration transferred	$	4,350
Fair value of previously held preferred equity interest	46,595
Fair value of previously held demand promissory note	15,000
Fair value of noncontrolling interest in Founders	8,849
Fair value of noncontrolling interest in SMG	12,586
Total	87,380
Less: net identifiable liabilities assumed	(36,055)
Goodwill	$	123,435

Schedule of Pro Forma Information


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2026		2025		2026		2025

Total revenues	$	446,881	$	348,632	$	883,357	$	719,361
Consolidated net income	$	48,336	$	21,497	$	88,213	$	45,741

Goodwill (Details) - USD ($) $ in Thousands	6 Months Ended
Goodwill (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025
Goodwill [Roll Forward]
Beginning balance	$ 324,889	$ 306,478
Acquisitions	147,762
Effect of foreign currency translation changes	862	(1,239)
Ending balance	473,513	305,239
U.S. Pawn
Goodwill [Roll Forward]
Beginning balance	268,063	264,428
Acquisitions	22,638
Effect of foreign currency translation changes	0	0
Ending balance	290,701	264,428
Latin America Pawn
Goodwill [Roll Forward]
Beginning balance	56,826	42,050
Acquisitions	1,689
Effect of foreign currency translation changes	862	(1,239)
Ending balance	59,377	$ 40,811
SMG
Goodwill [Roll Forward]
Beginning balance	0
Acquisitions	123,435
Effect of foreign currency translation changes	0
Ending balance	$ 123,435

- Definition

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

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+ Details

Common Stock and Stock Compensation - Additional Information (Details) - USD ($) $ in Thousands			3 Months Ended				6 Months Ended
	Nov. 11, 2025	May 03, 2022	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024	Mar. 31, 2025
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock repurchased and retired			$ 4,008		$ 997	$ 3,000
Common Class A \| 2026 Common Stock Repurchase Program
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, amount authorized	$ 50,000
Stock repurchase program, period (in years)	3 years
Common stock repurchased and retired (in shares)			155,838
Common stock repurchased and retired			$ 4,000
Stock repurchase program, period (in shares)				0
Common Class A \| 2022 Common Stock Repurchase Program
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, amount authorized		$ 50,000
Stock repurchase program, period (in years)		3 years
Common stock repurchased and retired (in shares)					82,136		332,599
Common stock repurchased and retired					$ 1,000		$ 4,000

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

- Definition

Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.

+ References + Details

Common Stock and Stock Compensation

6 Months Ended

Mar. 31, 2026

Share-Based Payment Arrangement [Abstract]

Common Stock and Stock Compensation

NOTE 9: COMMON STOCK AND STOCK COMPENSATION

Common Stock Repurchase Program

On November 11, 2025, the Company’s Board of Directors (the “Board”) authorized the repurchase of up to $50 million of our Class A Non-Voting common shares over the next three years (the “2026 Common Stock Repurchase Program”). During the three months ended March 31, 2026, the Company repurchased and retired 155,838 of our Class A Common Stock for $4.0 million under the 2026 Common Stock Repurchase Program. During the three months ended December 31, 2025, the Company did not repurchase any shares under this program.

The Board previously authorized a repurchase program on May 3, 2022 (the “2022 Common Stock Repurchase Program”) which expired on May 3, 2025. The 2022 Common Stock Repurchase Program authorized the repurchase of up to $50 million of our Class A Common Stock over three years. During the three and six-month periods ended March 31, 2025, the Company repurchased and retired 82,136 shares for $1.0 million, and 332,599 shares for $4.0 million, respectively, under the 2022 Common Stock Repurchase Program.

The amount and timing of purchases was dependent on a variety of factors, including stock price, trading volume, general market conditions, legal and regulatory requirements, general business conditions, the level of cash flows, and corporate considerations determined by management and the Board, such as liquidity and capital needs and the availability of attractive alternative investment opportunities. The repurchase amount is allocated between “Additional paid-in capital” and “Retained earnings” in our condensed consolidated balance sheets.

Stock Compensation

We maintain a Board-approved incentive plan to retain the services of our valued officers, directors and employees and to incentivize such persons to make contributions to our company and motivate excellent performance (the “Incentive Plan”). Under the Incentive Plan, we grant awards of restricted stock or restricted stock units to employees and non-employee directors. Awards granted to employees are typically subject to performance and service conditions. Awards granted to non-employee directors are time-based awards subject only to service conditions. Awards granted under the Incentive Plan are measured at the grant date fair value with compensation costs associated with the awards recognized over the requisite service period, usually the vesting period, on a straight-line basis.

The following table presents a summary of stock compensation activity:


	Shares	Weighted Average Grant Date Fair Value

Outstanding as of September 30, 2025	2,321,840	$	8.85
Granted	868,426	15.69
Released	(1,223,562)	9.26
Cancelled	(14,358)	12.16
Outstanding as of March 31, 2026	1,952,346	$	11.61

Leases - Schedule of Operating And Financing Lease Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Sep. 30, 2025	Mar. 31, 2025
Operating Leases
Remaining 2026	$ 44,872
Fiscal 2027	81,890
Fiscal 2028	64,339
Fiscal 2029	48,305
Fiscal 2030	34,436
Thereafter	75,914
Total lease liabilities	349,756
Less: portion representing imputed interest	69,759
Total net lease liabilities	279,997
Less: current portion	68,041	$ 61,228	$ 58,855
Total long-term net lease liabilities	211,956	184,736	182,873
Financing Leases
Remaining 2026	452
Fiscal 2027	627
Fiscal 2028	167
Fiscal 2029	119
Fiscal 2030	37
Thereafter	0
Total lease liabilities	1,402
Less: portion representing imputed interest	169
Total net lease liabilities	1,233
Less: current portion	752	643	589
Total long-term net lease liabilities	$ 481	$ 573	$ 798

Segment Information - Schedule of Reconciliation of Segment Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Sep. 30, 2025	Mar. 31, 2025
Segment Reporting Information [Line Items]
Pawn Loans	$ 349,368	$ 307,496	$ 261,830
Inventory	275,963	248,457	207,783
Total other assets	1,501,426	1,395,256	1,360,015
Total consolidated assets	2,126,757	1,951,209	1,829,628
Operating Segments
Segment Reporting Information [Line Items]
Total consolidated assets	625,331	555,953	469,613
Operating Segments \| U.S. Pawn
Segment Reporting Information [Line Items]
Pawn Loans	230,478	233,774	199,418
Inventory	188,207	185,640	156,816
Total consolidated assets	418,685	419,414	356,234
Operating Segments \| Latin America Pawn
Segment Reporting Information [Line Items]
Pawn Loans	86,260	73,722	62,412
Inventory	61,659	62,817	50,967
Total consolidated assets	147,919	$ 136,539	$ 113,379
Operating Segments \| SMG
Segment Reporting Information [Line Items]
Pawn Loans	32,630
Inventory	26,097
Total consolidated assets	$ 58,727

- Definition

Amount of asset recognized for present right to economic benefit.

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+ Details

Segment Information - Additional Information (Details)	6 Months Ended
Segment Information - Additional Information (Details)	Mar. 31, 2026 segment
Segment Reporting [Abstract]
Number of reportable segments	3
Number of operating segments	3

Debt

6 Months Ended

Mar. 31, 2026

Debt Disclosure [Abstract]

Debt

NOTE 8: DEBT

The following table presents the Company's debt instruments outstanding:


	March 31, 2026						March 31, 2025						September 30, 2025
(in thousands)	Gross Amount		Deferred Financing Costs		Carrying Amount		Gross Amount		Deferred Financing Costs		Carrying Amount		Gross Amount		Deferred Financing Costs		Carrying Amount

2032 Senior Notes	$	300,000	$	(6,750)	$	293,250	$	300,000	$	(7,535)	$	292,465	$	300,000	$	(7,182)	$	292,818
2029 Convertible Notes	230,000		(4,249)		225,751		230,000		(5,277)		224,723		230,000		(4,742)		225,258
2025 Convertible Notes	—		—		—		103,373		(48)		103,325		—		—		—
Total	$	530,000	$	(10,999)	$	519,001	$	633,373	$	(12,860)	$	620,513	$	530,000	$	(11,924)	$	518,076
Less current portion	—		—		—		103,373		(48)		103,325		—		—		—
Total long-term debt	$	530,000	$	(10,999)	$	519,001	$	530,000	$	(12,812)	$	517,188	$	530,000	$	(11,924)	$	518,076

The following table presents the Company’s interest expense related to its debt for the three and six months ended March 31, 2026 and 2025:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2026		2025		2026		2025

2032 Senior Notes:
Contractual interest expense	$	5,531	$	184	$	11,063	$	184
Amortization of deferred financing costs	218		7		432		7
Total interest expense	$	5,749	$	191	$	11,495	$	191

2029 Convertible Notes:
Contractual interest expense	$	2,156	$	2,157	$	4,313	$	4,313
Amortization of deferred financing costs	228		217		493		466
Total interest expense	$	2,384	$	2,374	$	4,806	$	4,779

2025 Convertible Notes:
Contractual interest expense	$	—	$	614	$	—	$	1,228
Amortization of deferred financing costs	—		119		—		252
Total interest expense	$	—	$	733	$	—	$	1,480

As of March 31, 2026, the Company was in compliance with all covenants related to the 2032 Senior Notes.

The reported sale price of our Class A Common Stock was greater than or equal to 130% of the applicable conversion price for the 2029 Convertible Notes for at least 20 trading days in the 30 consecutive trading days ended on March 31, 2026. As a result, the 2029 Convertible Notes are convertible at the option of the holders during the fiscal quarter ending June 30, 2026.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-8A

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Cover Page - shares	6 Months Ended
Cover Page - shares	Mar. 31, 2026	Apr. 30, 2026
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2026
Document Transition Report	false
Entity File Number	0-19424
Entity Registrant Name	EZCORP, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	74-2540145
Entity Address, Address Line One	2500 Bee Cave Road
Entity Address, Address Line Two	Bldg One
Entity Address, Address Line Three	Suite 200
Entity Address, City or Town	Rollingwood
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	78746
City Area Code	512
Local Phone Number	314-3400
Title of 12(b) Security	Class A Non-voting Common Stock, par value $.01 per share
Trading Symbol	EZPW
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Amendment Flag	false
Entity Central Index Key	0000876523
Document Fiscal Year Focus	2026
Document Fiscal Period Focus	Q2
Current Fiscal Year End Date	--09-30
Common Stock Class A Non-voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		58,565,807
Common Stock Class B Voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		2,970,171
No Trading Symbol Class B

Debt - Additional Information (Details) - Debt Conversion, Condition One - 2029 Convertible Notes - Debt Instrument, Redemption, Period One - Senior Notes	6 Months Ended
	Mar. 31, 2026 day
Debt Instrument [Line Items]
Threshold percentage of stock price trigger	130.00%
Threshold trading days (whether or not consecutive)	20
Threshold consecutive trading days	30

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Segment Information

6 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Segment Information

NOTE 11: SEGMENT INFORMATION

Our operations are primarily managed on a geographical basis and are comprised of three reportable segments. Our chief operating decision maker (“CODM”) is our chief executive officer. The CODM uses key financial information such as revenue growth, pawn service charges, segment gross profit, and segment contribution by comparing to and monitoring against budget and prior year results to evaluate segment performance and allocate resources.

We regularly monitor for changes in facts and circumstances that would necessitate changes in our determination of operating segments. As indicated in Note 1, our results below reflect our updated methodology used in allocating certain expenses beginning in the first quarter of fiscal 2026, and the results from the prior period presented have been recast to conform with the current presentation.

As a result of the acquisition of Founders and SMG effective January 2, 2026, the composition of our reportable segments changed beginning in the second quarter of fiscal 2026. Refer to Note 2: Acquisitions for further details. SMG is now reported as a standalone reportable segment. Our equity interest in CCV is now included within Corporate as it is not a reportable segment. Prior period segment information has been recast to reclassify CCV equity income and interest income from notes receivable from Founders from the "Other Investments" segment to Corporate. Because SMG was not a consolidated subsidiary prior to January 2, 2026, no SMG segment results prior to January 2, 2026 exist in our consolidated financial statements.

We currently report our segments as follows:

•U.S. Pawn — all pawn activities in the United States, except for SMG;

•Latin America Pawn — all pawn activities in Mexico and other parts of Latin America, except for SMG; and

•SMG — all pawn activities of Simple Management Group, Inc.

Corporate items include administrative expenses, depreciation and amortization, loss (gain) on sale or disposal of assets, interest income and expense, equity in net income of unconsolidated affiliates, and other (income) expense, and are not allocated between the segments. There are no inter-segment revenues presented below, and the amounts below were determined in accordance with the same accounting principles used in our consolidated financial statements.

The following income (loss) before income taxes tables present revenue for each reportable segment, disaggregated revenue within our reportable segments and Corporate, segment profits and segment contribution.


	Three Months Ended March 31, 2026
(in thousands)	U.S. Pawn		Latin America Pawn		SMG		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	127,884	$	68,762	$	17,819	$	214,465	$	—	$	214,465
Jewelry scrap sales	55,490		6,640		19,110		81,240		—		81,240
Pawn service charges	98,770		37,976		14,382		151,128		—		151,128
Other revenues	32		16		—		48		—		48
Total revenues	282,176		113,394		51,311		446,881		—		446,881
Merchandise cost of goods sold	79,647		45,227		11,914		136,788		—		136,788
Jewelry scrap cost of goods sold	32,658		4,137		13,260		50,055		—		50,055
Gross profit	169,871		64,030		26,137		260,038		—		260,038
Segment and corporate expenses (income):
Store expenses	88,982		42,523		16,614		148,119		—		148,119
General and administrative	—		—		—		—		34,488		34,488

Depreciation and amortization	2,809		2,733		674		6,216		3,372		9,588


Interest expense	—		—		—		—		8,354		8,354
Interest income	—		—		—		—		(2,587)		(2,587)
Equity in net income of unconsolidated affiliates	—		—		—		—		(1,166)		(1,166)
Other (income) expense	—		(343)		38		(305)		(1,939)		(2,244)
Segment contribution	$	78,080	$	19,117	$	8,811	$	106,008
Income (loss) before income taxes							$	106,008	$	(40,522)	$	65,486


	Three Months Ended March 31, 2025
(in thousands)	U.S. Pawn		Latin America Pawn		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	116,915	$	52,552	$	169,467	$	—	$	169,467
Jewelry scrap sales	16,898		4,040		20,938		—		20,938
Pawn service charges	87,548		28,323		115,871		—		115,871
Other revenues	24		16		40		—		40
Total revenues	221,385		84,931		306,316		—		306,316
Merchandise cost of goods sold	74,772		36,783		111,555		—		111,555
Jewelry scrap cost of goods sold	13,235		3,074		16,309		—		16,309
Gross profit	133,378		45,074		178,452		—		178,452
Segment and corporate expenses (income):
Store expenses	81,718		29,349		111,067		—		111,067
General and administrative	—		—		—		25,100		25,100
Depreciation and amortization	2,682		1,989		4,671		3,349		8,020
Loss on sale or disposal of assets and other	17		—		17		—		17
Interest expense	—		—		—		3,281		3,281
Interest income (a)	—		—		—		(1,875)		(1,875)
Equity in net income of unconsolidated affiliates (b)	—		—		—		(1,505)		(1,505)
Other (income) expense	4		(137)		(133)		68		(65)
Segment contribution	$	48,957	$	13,873	$	62,830
Income (loss) before income taxes					$	62,830	$	(28,418)	$	34,412


	Six Months Ended March 31, 2026
(in thousands)	U.S. Pawn		Latin America Pawn		SMG		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	266,926	$	139,867	$	17,819	$	424,612	$	—	$	424,612
Jewelry scrap sales	91,005		11,034		19,110		121,149		—		121,149
Pawn service charges	193,944		74,719		14,382		283,045		—		283,045
Other revenues	61		33		—		94		—		94
Total revenues	551,936		225,653		51,311		828,900		—		828,900
Merchandise cost of goods sold	165,334		92,296		11,914		269,544		—		269,544
Jewelry scrap cost of goods sold	56,022		7,070		13,260		76,352		—		76,352
Gross profit	330,580		126,287		26,137		483,004		—		483,004
Segment and corporate expenses (income):
Store expenses	176,148		82,129		16,614		274,891		—		274,891
General and administrative	—		—		—		—		61,231		61,231

Depreciation and amortization	5,532		5,268		674		11,474		6,870		18,344
Loss on sale or disposal of assets and other	87		—		—		87		—		87

Interest expense	—		—		—		—		16,520		16,520
Interest income (c)	—		—		—		—		(7,401)		(7,401)
Equity in net income of unconsolidated affiliates (d)	—		—		—		—		(2,989)		(2,989)
Other (income) expense	—		(366)		38		(328)		(2,008)		(2,336)
Segment contribution	$	148,813	$	39,256	$	8,811	$	196,880
Income (loss) before income taxes							$	196,880	$	(72,223)	$	124,657


(c)			Interest income includes $1.0 million of interest income from notes receivable from Founders recorded in the first quarter of fiscal 2026, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.
(d)			Equity in net income of unconsolidated affiliates includes $1.8 million of equity income from CCV recorded in the first quarter of fiscal 2026, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.


	Six Months Ended March 31, 2025
(in thousands)	U.S. Pawn		Latin America Pawn		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	245,715	$	110,095	$	355,810	$	—	$	355,810
Jewelry scrap sales	32,396		5,274		37,670		—		37,670
Pawn service charges	175,424		57,499		232,923		—		232,923
Other revenues	51		32		83		—		83
Total revenues	453,586		172,900		626,486		—		626,486
Merchandise cost of goods sold	156,328		77,051		233,379		—		233,379
Jewelry scrap cost of goods sold	25,203		4,048		29,251		—		29,251
Gross profit	272,055		91,801		363,856		—		363,856
Segment and corporate expenses (income):
Store expenses	163,199		58,804		222,003		—		222,003
General and administrative	—		—		—		49,284		49,284
Depreciation and amortization	5,399		4,035		9,434		6,921		16,355
Loss on sale or disposal of assets and other	17		8		25		—		25
Interest expense	—		—		—		6,428		6,428
Interest income (e)	—		—		—		(3,968)		(3,968)
Equity in net income of unconsolidated affiliates (f)	—		—		—		(2,980)		(2,980)
Other (income) expense	(7)		(208)		(215)		1,128		913
Segment contribution	$	103,447	$	29,162	$	132,609
Income (loss) before income taxes					$	132,609	$	(56,813)	$	75,796


(e)			Interest income includes $1.2 million of interest income from notes receivable from Founders, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.
(f)			Equity in net income of unconsolidated affiliates includes $3.5 million of equity income from CCV, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.

The following table presents separately identified segment assets:


(in thousands)	Pawn Loans		Inventory		Total

Assets as of March 31, 2026
U.S. Pawn	$	230,478	$	188,207	$	418,685
Latin America Pawn	86,260		61,659		147,919
SMG	32,630		26,097		58,727
Total segment assets					$	625,331
Total other assets					1,501,426
Total consolidated assets					$	2,126,757

Assets as of March 31, 2025
U.S. Pawn	$	199,418	$	156,816	$	356,234
Latin America Pawn	62,412		50,967		113,379
Total segment assets					$	469,613
Total other assets					1,360,015
Total consolidated assets					$	1,829,628

Assets as of September 30, 2025
U.S. Pawn	$	233,774	$	185,640	$	419,414
Latin America Pawn	73,722		62,817		136,539
Total segment assets					$	555,953
Total other assets					1,395,256
Total consolidated assets					$	1,951,209

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-Section 50
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+ Details

Common Stock and Stock Compensation - Schedule of Restricted Stock Award Activity (Details) - Restricted stock	6 Months Ended
	Mar. 31, 2026 $ / shares shares
Shares
Outstanding, beginning balance (in shares) \| shares	2,321,840
Granted (in shares) \| shares	868,426
Released (in shares) \| shares	(1,223,562)
Cancelled (in shares) \| shares	(14,358)
Outstanding, ending balance (in shares) \| shares	1,952,346
Weighted Average Grant Date Fair Value
Outstanding, beginning balance (in dollars per share) \| $ / shares	$ 8.85
Granted (in dollars per share) \| $ / shares	15.69
Released (in dollars per share) \| $ / shares	9.26
Cancelled (in dollars per share) \| $ / shares	12.16
Outstanding, ending balance (in dollars per share) \| $ / shares	$ 11.61

Organization and Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Mar. 31, 2026
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The accompanying interim unaudited condensed consolidated financial statements (“Condensed Consolidated Financial Statements”) have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by U.S. GAAP for complete financial statements. These Condensed Consolidated Financial Statements should be read in conjunction with the audited consolidated financial statements and related notes contained in our Annual Report on Form 10-K for the year ended September 30, 2025, filed with the Securities and Exchange Commission (“SEC”) on November 13, 2025 (“2025 Annual Report”). In the opinion of management, the accompanying Condensed Consolidated Financial Statements include all adjustments, consisting of normal recurring adjustments, considered necessary for a fair presentation. Financial results for the periods presented are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2026 or any other period due, in part, to seasonal variations.
Reclassifications	Beginning in the first quarter of fiscal 2026, following a review of segment expenses to better align direct operating expenses with the respective segments, we modified our methodology for allocating certain expenses used in evaluating financial and segment performance and resource allocation. Specifically, we no longer allocate certain administrative expenses to our Latin America Pawn and U.S. Pawn segments; these costs are now reported within the "General and administrative" line in our Condensed Consolidated Statements of Operations. We have recast the Condensed Consolidated Statements of Operations and segment contribution for prior periods to conform to this methodology. This resulted in a classification change of certain expenses totaling $5.5 million and $11.0 million from Store expenses to General and administrative for the three and six months ended March 31, 2025, respectively. Additionally, segment contribution no longer includes certain administrative allocations to segments; these costs are now included within Corporate. Refer to Note 11: Segment Information. There was no impact to Total operating expenses, Operating income, or Consolidated net income on our Condensed Consolidated Statements of Operations. As a result of the acquisition of Founders One, LLC ("Founders") and its subsidiary Simple Management Group, Inc. ("SMG") effective January 2, 2026, the composition of our reportable segments changed beginning in the second quarter of fiscal 2026. SMG is now reported as a standalone reportable segment. Our equity interest in Cash Converters International Limited (“Cash Converters”) is now included within Corporate, and the Other Investments segment has been eliminated. Prior period segment information has been recast to conform to the current presentation.
Use of Estimates and Assumptions	Use of Estimates and Assumptions The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Such estimates and assumptions include the determination of inventory reserves, expected credit losses, useful lives of long-lived and intangible assets, valuation of share-based compensation, valuation of equity investments, valuation of deferred tax assets and liabilities, loss contingencies related to litigation and discount rates used for operating leases. We base our estimates on historical experience, observable trends and various other assumptions we believe are reasonable. Actual results may differ materially from these estimates under different assumptions or conditions.
Merchandise Sales Revenues Recognition	Merchandise Sales Revenues Recognition Customer layaway deposits are recorded as liabilities when a customer provides a deposit for merchandise. Upon cancellation, customer layaway deposits are generally refundable, less a cancellation fee, via credit slip.
Recently Issued Accounting Pronouncements	Recently Issued Accounting Pronouncements In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (“ASU 2023-09”). ASU 2023-09 requires disclosure of specific categories and disaggregation of information in the rate reconciliation table. The ASU also requires disclosure of disaggregated information related to income taxes paid, income or loss from continuing operations before income tax expense or benefit and income tax expense or benefit from continuing operations. The requirements of this ASU 2023-09 are effective for the Company for annual periods beginning after December 15, 2024. Early adoption is permitted, and the amendments should be applied on a prospective basis. Retrospective application is permitted. The adoption of this ASU is expected to only impact disclosures with respect to the Company’s consolidated financial statements. In November 2024, the FASB issued ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses (“ASU 2024-03”). Additionally, in January 2025, the FASB issued ASU 2025-01 to clarify the effective date of ASU 2024-03. ASU 2024-03 requires disclosure in the notes to the financial statements of specified information about certain costs and expenses. The requirements of ASU 2024-03 are effective for the Company for fiscal years beginning after December 15, 2026 and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted and should be applied either prospectively to financial statements issued for reporting periods after the effective date of this ASU or retrospectively to any or all periods presented in the financial statements. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In May 2025, the FASB issued ASU 2025-03, Business Combinations (Topic 805) and Consolidation (Topic 810): Determining the Accounting Acquirer in the Acquisition of a Variable Interest Entity (“ASU 2025-03”). ASU 2025-03 revises current guidance for determining the accounting acquirer for a transaction effected primarily by exchanging equity interests in which the legal acquiree is a variable interest entity that meets the definition of a business. The amendments require that an entity consider the same factors that are currently required for determining which entity is the accounting acquirer in other acquisition transactions. The requirements of ASU 2025-03 are effective for the Company for fiscal years beginning after December 15, 2026, and interim periods within those periods. Early adoption is permitted as of the beginning of an interim or annual reporting period. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In September 2025, the FASB issued ASU 2025-06, Intangibles - Goodwill and Other - Internal-use Software: Targeted Improvements to the Accounting for Internal-use Software which amends the guidance in ASC 350-40, Intangibles-Goodwill and Other-Internal-Use Software. The amendments modernize the recognition and disclosure framework for internal-use software costs, removing the previous “development stage” model and introducing a more judgment-based approach. ASU 2025-06 is effective for fiscal years beginning after December 15, 2027 with early adoption permitted. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In November 2025, the FASB issued ASU 2025-08, Financial Instruments - Credit Losses (Topic 326): Purchased Loans. ASU 2025-08 expands the use of the gross up method to certain acquired loans. Purchased season loans will be accounted for using the gross-up approach. The ASU is effective for fiscal years beginning after December 15, 2026, including interim periods within those fiscal years. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270), which clarifies the scope of interim reporting requirements and introduces a principles-based framework for disclosure of material events occurring after the most recent annual period. The ASU also consolidates interim disclosure requirements from other Codification topics into ASC 270. The guidance is effective for interim periods beginning after December 15, 2027, with early adoption permitted. We are currently evaluating the impact of this standard on our interim reporting disclosures.

- Definition

Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.

+ References

+ Details

Leases - Schedule of Lessee Assets and Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Sep. 30, 2025	Mar. 31, 2025
Lease assets:
Operating lease right-of-use assets	$ 269,742	$ 236,462	$ 229,878
Financing lease assets	$ 1,102	$ 1,075	$ 1,256
Finance Lease, Other Assets, Statement of Financial Position [Extensible Enumeration]	Other Assets, Noncurrent	Other Assets, Noncurrent	Other Assets, Noncurrent
Total lease assets	$ 270,844	$ 237,537	$ 231,134
Current:
Operating lease liabilities	68,041	61,228	58,855
Financing lease liabilities	$ 752	$ 643	$ 589
Finance Lease, Liability, Current, Statement of Financial Position [Extensible Enumeration]	Accounts payable, accrued expenses and other current liabilities	Accounts payable, accrued expenses and other current liabilities	Accounts payable, accrued expenses and other current liabilities
Total current lease liabilities	$ 68,793	$ 61,871	$ 59,444
Non-current:
Operating lease liabilities	211,956	184,736	182,873
Financing lease liabilities	$ 481	$ 573	$ 798
Finance Lease, Liability, Noncurrent, Statement of Financial Position [Extensible Enumeration]	Other Liabilities, Noncurrent	Other Liabilities, Noncurrent	Other Liabilities, Noncurrent
Total non-current lease liabilities	$ 212,437	$ 185,309	$ 183,671
Total lease liabilities	$ 281,230	$ 247,180	$ 243,115

Strategic Investments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
Strategic Investments (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022	Jan. 02, 2026	Jan. 01, 2026
Schedule of Equity Method Investments [Line Items]
Income from equity method investments	$ 1,166	$ 1,505	$ 2,989	$ 2,980
Cash Converters International Limited
Schedule of Equity Method Investments [Line Items]
Ownership percentage	43.70%		43.70%
Shares purchased (in shares)			35,780,747
Purchase amount			$ 7,100
Shares owned (in shares)	309,719,904		309,719,904
Loans repaid			$ 1,800	1,900
Income from equity method investments	$ 1,000	$ 1,900	$ 2,900	$ 3,500
Founders One LLC
Schedule of Equity Method Investments [Line Items]
Payments to acquire equity investment					$ 15,000	$ 15,000	$ 15,000
Total assets						$ 15,000		$ 15,000
Equity securities, fair value					$ 45,000			$ 15,000	$ 46,600

Supplemental Consolidated Financial Information

6 Months Ended

Mar. 31, 2026

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Supplemental Consolidated Financial Information

NOTE 12: SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION

The following table provides supplemental information on net amounts included in our condensed consolidated balance sheets:


(in thousands)	March 31, 2026		March 31, 2025		September 30, 2025

Gross pawn service charges receivable	$	67,090	$	54,024	$	63,348
Allowance for uncollectible pawn service charges receivable	(14,059)		(11,701)		(14,615)
Pawn service charges receivable, net	$	53,031	$	42,323	$	48,733

Gross inventory	$	279,303	$	211,191	$	252,049
Inventory reserves	(3,340)		(3,408)		(3,592)
Inventory, net	$	275,963	$	207,783	$	248,457

Prepaid expenses and other	$	15,698	$	3,740	$	9,429
Accounts receivable and other	34,173		15,912		15,106
Notes receivable	—		17,575		24,369
Income taxes prepaid and receivable	8,680		3,056		2,317
Prepaid expenses and other current assets	$	58,551	$	40,283	$	51,221

Property and equipment, gross	$	338,530	$	284,008	$	310,278
Accumulated depreciation	(251,636)		(219,858)		(234,947)
Property and equipment, net	$	86,894	$	64,150	$	75,331

Accounts payable	$	24,827	$	14,927	$	22,923
Accrued payroll	25,411		15,538		19,063
Incentive accrual	18,025		9,554		20,068
Accrued interest payable	13,578		3,723		13,763
Other payroll related expenses	6,826		4,132		5,704
Accrued sales and VAT taxes	5,432		4,035		4,377
Accrued income taxes payable	12,913		4,938		5,515
Other current liabilities	17,173		13,996		14,030
Accounts payable, accrued expenses and other current liabilities	$	124,185	$	70,843	$	105,443

The following table provides supplemental disclosure of condensed consolidated statements of cash flows information:


	Six Months Ended March 31,
(in thousands)	2026		2025

Supplemental disclosure of cash flow information
Cash and cash equivalents at beginning of period	$	469,524	$	170,513
Short-term restricted cash at beginning of period	525		9,294
Long-term restricted cash at beginning of period	14,664		—
Total cash and cash equivalents and restricted cash at beginning of period	$	484,713	$	179,807

Cash and cash equivalents at end of period	$	354,175	$	505,239
Short-term restricted cash at end of period	958		9,499
Long-term restricted cash at end of period	14,929		—
Total cash and cash equivalents and restricted cash at end of period	$	370,062	$	514,738

Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	$	239,951	$	210,786
Accrued acquisition consideration	$	1,650	$	—
Conversion of promissory note to equity	$	15,000	$	—
Fair value of preferred equity investment converted to equity in Founders	$	46,600	$	—
Accrued debt issuance costs	$	—	$	2,231

Segment Information (Tables)

6 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Schedule of Operating Segment Information


	Three Months Ended March 31, 2026
(in thousands)	U.S. Pawn		Latin America Pawn		SMG		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	127,884	$	68,762	$	17,819	$	214,465	$	—	$	214,465
Jewelry scrap sales	55,490		6,640		19,110		81,240		—		81,240
Pawn service charges	98,770		37,976		14,382		151,128		—		151,128
Other revenues	32		16		—		48		—		48
Total revenues	282,176		113,394		51,311		446,881		—		446,881
Merchandise cost of goods sold	79,647		45,227		11,914		136,788		—		136,788
Jewelry scrap cost of goods sold	32,658		4,137		13,260		50,055		—		50,055
Gross profit	169,871		64,030		26,137		260,038		—		260,038
Segment and corporate expenses (income):
Store expenses	88,982		42,523		16,614		148,119		—		148,119
General and administrative	—		—		—		—		34,488		34,488

Depreciation and amortization	2,809		2,733		674		6,216		3,372		9,588


Interest expense	—		—		—		—		8,354		8,354
Interest income	—		—		—		—		(2,587)		(2,587)
Equity in net income of unconsolidated affiliates	—		—		—		—		(1,166)		(1,166)
Other (income) expense	—		(343)		38		(305)		(1,939)		(2,244)
Segment contribution	$	78,080	$	19,117	$	8,811	$	106,008
Income (loss) before income taxes							$	106,008	$	(40,522)	$	65,486


	Three Months Ended March 31, 2025
(in thousands)	U.S. Pawn		Latin America Pawn		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	116,915	$	52,552	$	169,467	$	—	$	169,467
Jewelry scrap sales	16,898		4,040		20,938		—		20,938
Pawn service charges	87,548		28,323		115,871		—		115,871
Other revenues	24		16		40		—		40
Total revenues	221,385		84,931		306,316		—		306,316
Merchandise cost of goods sold	74,772		36,783		111,555		—		111,555
Jewelry scrap cost of goods sold	13,235		3,074		16,309		—		16,309
Gross profit	133,378		45,074		178,452		—		178,452
Segment and corporate expenses (income):
Store expenses	81,718		29,349		111,067		—		111,067
General and administrative	—		—		—		25,100		25,100
Depreciation and amortization	2,682		1,989		4,671		3,349		8,020
Loss on sale or disposal of assets and other	17		—		17		—		17
Interest expense	—		—		—		3,281		3,281
Interest income (a)	—		—		—		(1,875)		(1,875)
Equity in net income of unconsolidated affiliates (b)	—		—		—		(1,505)		(1,505)
Other (income) expense	4		(137)		(133)		68		(65)
Segment contribution	$	48,957	$	13,873	$	62,830
Income (loss) before income taxes					$	62,830	$	(28,418)	$	34,412


(a)			Interest income includes $0.6 million of interest income from notes receivable from Founders, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.
(b)			Equity in net income of unconsolidated affiliates includes $1.9 million of equity income from CCV, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.


	Six Months Ended March 31, 2026
(in thousands)	U.S. Pawn		Latin America Pawn		SMG		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	266,926	$	139,867	$	17,819	$	424,612	$	—	$	424,612
Jewelry scrap sales	91,005		11,034		19,110		121,149		—		121,149
Pawn service charges	193,944		74,719		14,382		283,045		—		283,045
Other revenues	61		33		—		94		—		94
Total revenues	551,936		225,653		51,311		828,900		—		828,900
Merchandise cost of goods sold	165,334		92,296		11,914		269,544		—		269,544
Jewelry scrap cost of goods sold	56,022		7,070		13,260		76,352		—		76,352
Gross profit	330,580		126,287		26,137		483,004		—		483,004
Segment and corporate expenses (income):
Store expenses	176,148		82,129		16,614		274,891		—		274,891
General and administrative	—		—		—		—		61,231		61,231

Depreciation and amortization	5,532		5,268		674		11,474		6,870		18,344
Loss on sale or disposal of assets and other	87		—		—		87		—		87

Interest expense	—		—		—		—		16,520		16,520
Interest income (c)	—		—		—		—		(7,401)		(7,401)
Equity in net income of unconsolidated affiliates (d)	—		—		—		—		(2,989)		(2,989)
Other (income) expense	—		(366)		38		(328)		(2,008)		(2,336)
Segment contribution	$	148,813	$	39,256	$	8,811	$	196,880
Income (loss) before income taxes							$	196,880	$	(72,223)	$	124,657


(c)			Interest income includes $1.0 million of interest income from notes receivable from Founders recorded in the first quarter of fiscal 2026, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.
(d)			Equity in net income of unconsolidated affiliates includes $1.8 million of equity income from CCV recorded in the first quarter of fiscal 2026, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.


	Six Months Ended March 31, 2025
(in thousands)	U.S. Pawn		Latin America Pawn		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	245,715	$	110,095	$	355,810	$	—	$	355,810
Jewelry scrap sales	32,396		5,274		37,670		—		37,670
Pawn service charges	175,424		57,499		232,923		—		232,923
Other revenues	51		32		83		—		83
Total revenues	453,586		172,900		626,486		—		626,486
Merchandise cost of goods sold	156,328		77,051		233,379		—		233,379
Jewelry scrap cost of goods sold	25,203		4,048		29,251		—		29,251
Gross profit	272,055		91,801		363,856		—		363,856
Segment and corporate expenses (income):
Store expenses	163,199		58,804		222,003		—		222,003
General and administrative	—		—		—		49,284		49,284
Depreciation and amortization	5,399		4,035		9,434		6,921		16,355
Loss on sale or disposal of assets and other	17		8		25		—		25
Interest expense	—		—		—		6,428		6,428
Interest income (e)	—		—		—		(3,968)		(3,968)
Equity in net income of unconsolidated affiliates (f)	—		—		—		(2,980)		(2,980)
Other (income) expense	(7)		(208)		(215)		1,128		913
Segment contribution	$	103,447	$	29,162	$	132,609
Income (loss) before income taxes					$	132,609	$	(56,813)	$	75,796


(e)			Interest income includes $1.2 million of interest income from notes receivable from Founders, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.
(f)			Equity in net income of unconsolidated affiliates includes $3.5 million of equity income from CCV, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.

The following table presents separately identified segment assets:


(in thousands)	Pawn Loans		Inventory		Total

Assets as of March 31, 2026
U.S. Pawn	$	230,478	$	188,207	$	418,685
Latin America Pawn	86,260		61,659		147,919
SMG	32,630		26,097		58,727
Total segment assets					$	625,331
Total other assets					1,501,426
Total consolidated assets					$	2,126,757

Assets as of March 31, 2025
U.S. Pawn	$	199,418	$	156,816	$	356,234
Latin America Pawn	62,412		50,967		113,379
Total segment assets					$	469,613
Total other assets					1,360,015
Total consolidated assets					$	1,829,628

Assets as of September 30, 2025
U.S. Pawn	$	233,774	$	185,640	$	419,414
Latin America Pawn	73,722		62,817		136,539
Total segment assets					$	555,953
Total other assets					1,395,256
Total consolidated assets					$	1,951,209

Earnings Per Share

6 Months Ended

Mar. 31, 2026

Earnings Per Share [Abstract]

Earnings per Share

NOTE 4: EARNINGS PER SHARE

The following table reconciles the number of common shares used to compute basic and diluted earnings per share attributable to EZCORP Inc., shareholders:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands, except per share amounts)	2026		2025		2026		2025

Basic earnings per common share:
Consolidated net income	$	49,584	$	25,390	$	93,888	$	56,406
Consolidated net (income) attributable to non-controlling interest	(481)		—		(481)		—
Consolidated net income attributable to EZCORP - basic	49,103		25,390		93,407		56,406
Weighted shares outstanding - basic	61,653		54,965		61,446		54,895
Basic earnings per common share attributable to EZCORP	$	0.80	$	0.46	$	1.52	$	1.03

Diluted earnings per common share:
Consolidated net income attributable to EZCORP - basic	$	49,103	$	25,390	$	93,407	$	56,406
Add: Convertible Notes interest expense, net of tax (a)	1,850		2,405		3,728		4,844
Consolidated net income attributable to EZCORP - diluted	$	50,953	$	27,795	$	97,135	$	61,250
Weighted shares outstanding - basic	61,653		54,965		61,446		54,895
Equity-based compensation awards - effect of dilution (b)	1,280		1,196		1,431		1,373
Convertible Notes - effect of dilution (c)	20,477		26,979		20,477		26,979
Weighted shares outstanding - diluted	83,410		83,140		83,354		83,247
Diluted earnings per common share attributable to EZCORP	$	0.61	$	0.33	$	1.17	$	0.74

Potential common shares excluded from the calculation of diluted earnings per common share above:
Restricted stock (d)	1,462		1,424		1,463		1,433

(a) The Company’s convertible debt for the three and six months ended March 31, 2026 consists of the 3.750% Convertible Senior Notes Due 2029 (the “2029 Convertible Notes”) and, for the three and six months ended March 31, 2025, also includes the 2.375% Convertible Senior Notes Due 2025 (the “2025 Convertible Notes”).

(b) Includes time-based share-based awards and performance-based awards for which targets for fiscal year tranches have been achieved and vesting is subject only to achievement of service conditions.

(c) Approximately 6.5 million of weighted average shares were included for the three and six months ended March 31, 2025 related to the 2025 Convertible Notes, which were settled in the third quarter of fiscal 2025 with a combination of cash and shares.

(d) Includes antidilutive share-based awards as well as performance-based share-based awards that are contingently issuable, but for which the condition for issuance has not been met as of the end of the reporting period.

Segment Information - Schedule of Operating Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Revenues:
Total revenues	$ 446,881	$ 306,316	$ 828,900	$ 626,486
Gross profit	260,038	178,452	483,004	363,856
Segment and corporate expenses (income):
Store expenses	148,119	111,067	274,891	222,003
General and administrative	34,488	25,100	61,231	49,284
Depreciation and amortization	9,588	8,020	18,344	16,355
Loss on sale or disposal of assets and other		17	87	25
Interest expense	8,354	3,281	16,520	6,428
Interest income	(2,587)	(1,875)	(7,401)	(3,968)
Income from equity method investments	1,166	1,505	2,989	2,980
Other (income) expense	(2,244)	(65)	(2,336)	913
Income before income taxes	65,486	34,412	124,657	75,796
Cash Converters International Limited
Segment and corporate expenses (income):
Income from equity method investments	1,000	1,900	2,900	3,500
Operating Segments
Revenues:
Total revenues	446,881	306,316	828,900	626,486
Gross profit	260,038	178,452	483,004	363,856
Segment and corporate expenses (income):
Store expenses	148,119	111,067	274,891	222,003
General and administrative	0	0	0	0
Depreciation and amortization	6,216	4,671	11,474	9,434
Loss on sale or disposal of assets and other		17	87	25
Interest expense	0	0	0	0
Interest income	0	0	0	0
Income from equity method investments	0	0	0	0
Other (income) expense	(305)	(133)	(328)	(215)
Income before income taxes	106,008	62,830	196,880	132,609
Operating Segments \| U.S. Pawn
Revenues:
Total revenues	282,176	221,385	551,936	453,586
Gross profit	169,871	133,378	330,580	272,055
Segment and corporate expenses (income):
Store expenses	88,982	81,718	176,148	163,199
General and administrative	0	0	0	0
Depreciation and amortization	2,809	2,682	5,532	5,399
Loss on sale or disposal of assets and other		17	87	17
Interest expense	0	0	0	0
Interest income	0	0	0	0
Income from equity method investments	0	0	0	0
Other (income) expense	0	4	0	(7)
Income before income taxes	78,080	48,957	148,813	103,447
Operating Segments \| Latin America Pawn
Revenues:
Total revenues	113,394	84,931	225,653	172,900
Gross profit	64,030	45,074	126,287	91,801
Segment and corporate expenses (income):
Store expenses	42,523	29,349	82,129	58,804
General and administrative	0	0	0	0
Depreciation and amortization	2,733	1,989	5,268	4,035
Loss on sale or disposal of assets and other		0	0	8
Interest expense	0	0	0	0
Interest income	0	0	0	0
Income from equity method investments	0	0	0	0
Other (income) expense	(343)	(137)	(366)	(208)
Income before income taxes	19,117	13,873	39,256	29,162
Operating Segments \| SMG
Revenues:
Total revenues	51,311		51,311
Gross profit	26,137		26,137
Segment and corporate expenses (income):
Store expenses	16,614		16,614
General and administrative	0		0
Depreciation and amortization	674		674
Loss on sale or disposal of assets and other			0
Interest expense	0		0
Interest income	0		0
Income from equity method investments	0		0
Other (income) expense	38		38
Income before income taxes	8,811		8,811
Corporate Items
Revenues:
Total revenues	0	0	0	0
Gross profit	0	0	0	0
Segment and corporate expenses (income):
Store expenses	0	0	0	0
General and administrative	34,488	25,100	61,231	49,284
Depreciation and amortization	3,372	3,349	6,870	6,921
Loss on sale or disposal of assets and other		0	0	0
Interest expense	8,354	3,281	16,520	6,428
Interest income	(2,587)	(1,875)	(7,401)	(3,968)
Income from equity method investments	1,166	1,505	2,989	2,980
Other (income) expense	(1,939)	68	(2,008)	1,128
Income before income taxes	(40,522)	(28,418)	(72,223)	(56,813)
Interest income from notes receivable		600	1,000	1,200
Corporate Items \| Cash Converters International Limited
Segment and corporate expenses (income):
Income from equity method investments		1,900	1,800	3,500
Merchandise sales
Revenues:
Total revenues	214,465	169,467	424,612	355,810
Cost of goods sold	136,788	111,555	269,544	233,379
Merchandise sales \| Operating Segments
Revenues:
Total revenues	214,465	169,467	424,612	355,810
Cost of goods sold	136,788	111,555	269,544	233,379
Merchandise sales \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	127,884	116,915	266,926	245,715
Cost of goods sold	79,647	74,772	165,334	156,328
Merchandise sales \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	68,762	52,552	139,867	110,095
Cost of goods sold	45,227	36,783	92,296	77,051
Merchandise sales \| Operating Segments \| SMG
Revenues:
Total revenues	17,819		17,819
Cost of goods sold	11,914		11,914
Merchandise sales \| Corporate Items
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Jewelry scrap sales
Revenues:
Total revenues	81,240	20,938	121,149	37,670
Cost of goods sold	50,055	16,309	76,352	29,251
Jewelry scrap sales \| Operating Segments
Revenues:
Total revenues	81,240	20,938	121,149	37,670
Cost of goods sold	50,055	16,309	76,352	29,251
Jewelry scrap sales \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	55,490	16,898	91,005	32,396
Cost of goods sold	32,658	13,235	56,022	25,203
Jewelry scrap sales \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	6,640	4,040	11,034	5,274
Cost of goods sold	4,137	3,074	7,070	4,048
Jewelry scrap sales \| Operating Segments \| SMG
Revenues:
Total revenues	19,110		19,110
Cost of goods sold	13,260		13,260
Jewelry scrap sales \| Corporate Items
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Pawn service charges
Revenues:
Total revenues	151,128	115,871	283,045	232,923
Pawn service charges \| Operating Segments
Revenues:
Total revenues	151,128	115,871	283,045	232,923
Pawn service charges \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	98,770	87,548	193,944	175,424
Pawn service charges \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	37,976	28,323	74,719	57,499
Pawn service charges \| Operating Segments \| SMG
Revenues:
Total revenues	14,382		14,382
Pawn service charges \| Corporate Items
Revenues:
Total revenues	0	0	0	0
Other revenues
Revenues:
Total revenues	48	40	94	83
Other revenues \| Operating Segments
Revenues:
Total revenues	48	40	94	83
Other revenues \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	32	24	61	51
Other revenues \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	16	16	33	32
Other revenues \| Operating Segments \| SMG
Revenues:
Total revenues	0		0
Other revenues \| Corporate Items
Revenues:
Total revenues	$ 0	$ 0	$ 0	$ 0

Supplemental Consolidated Financial Information - Schedule of Supplemental Consolidated Balance Sheet Information (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Sep. 30, 2025	Mar. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross pawn service charges receivable	$ 67,090	$ 63,348	$ 54,024
Allowance for uncollectible pawn service charges receivable	(14,059)	(14,615)	(11,701)
Pawn service charges receivable, net	53,031	48,733	42,323
Gross inventory	279,303	252,049	211,191
Inventory reserves	(3,340)	(3,592)	(3,408)
Inventory, net	275,963	248,457	207,783
Prepaid expenses and other	15,698	9,429	3,740
Income taxes prepaid and receivable	8,680	2,317	3,056
Prepaid expenses and other current assets	58,551	51,221	40,283
Property and equipment, gross	338,530	310,278	284,008
Accumulated depreciation	(251,636)	(234,947)	(219,858)
Property and equipment, net	86,894	75,331	64,150
Accounts payable	24,827	22,923	14,927
Accrued payroll	25,411	19,063	15,538
Incentive accrual	18,025	20,068	9,554
Accrued interest payable	13,578	13,763	3,723
Other payroll related expenses	6,826	5,704	4,132
Accrued sales and VAT taxes	5,432	4,377	4,035
Accrued income taxes payable	12,913	5,515	4,938
Other current liabilities	17,173	14,030	13,996
Accounts payable, accrued expenses and other current liabilities	124,185	105,443	70,843
Accounts receivable and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Receivable	34,173	15,106	15,912
Notes receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Receivable	$ 0	$ 24,369	$ 17,575

Supplemental Consolidated Financial Information - Supplemental of Consolidated Statements of Cash Flows Information (Details) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Supplemental disclosure of cash flow information
Cash and cash equivalents at beginning of period	$ 469,524	$ 170,513
Short-term restricted cash at beginning of period	525	9,294
Long-term restricted cash at beginning of period	14,664	0
Cash and cash equivalents and restricted cash at beginning of period	484,713	179,807
Cash and cash equivalents at end of period	354,175	505,239
Short-term restricted cash at end of period	958	9,499
Long-term restricted cash at end of period	14,929	0
Cash and cash equivalents and restricted cash at end of period	370,062	514,738
Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	239,951	210,786
Accrued acquisition consideration	1,650	0
Conversion of promissory note to equity	15,000	0
Fair value of preferred equity investment converted to equity in Founders	46,600	0
Accrued debt issuance costs	$ 0	$ 2,231

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2026	Sep. 30, 2025	Mar. 31, 2025
Current assets:
Cash and cash equivalents	$ 354,175	$ 469,524	$ 505,239
Short-term restricted cash	958	525	9,499
Pawn loans	349,368	307,496	261,830
Pawn service charges receivable, net	53,031	48,733	42,323
Inventory, net	275,963	248,457	207,783
Prepaid expenses and other current assets	58,551	51,221	40,283
Total current assets	1,092,046	1,125,956	1,066,957
Investments in unconsolidated affiliates	26,093	18,123	13,967
Other investments	6,883	51,903	51,903
Property and equipment, net	86,894	75,331	64,150
Right-of-use assets	269,742	236,462	229,878
Long-term restricted cash	14,929	14,664	0
Goodwill	473,513	324,889	305,239
Intangible assets, net	124,657	58,832	57,079
Deferred tax asset, net	13,454	29,455	25,090
Other assets, net	18,546	15,594	15,365
Total assets	2,126,757	1,951,209	1,829,628
Current liabilities:
Current maturities of long-term debt, net	0	0	103,325
Accounts payable, accrued expenses and other current liabilities	124,185	105,443	70,843
Customer layaway deposits	39,522	33,901	31,016
Operating lease liabilities, current	68,041	61,228	58,855
Total current liabilities	231,748	200,572	264,039
Long-term debt, net	519,001	518,076	517,188
Deferred tax liability, net	2,571	2,571	1,818
Operating lease liabilities	211,956	184,736	182,873
Other long-term liabilities	19,556	19,769	12,135
Total liabilities	984,832	925,724	978,053
Commitments and contingencies (Note 10)
Stockholders’ equity:
Additional paid-in capital	451,471	450,892	347,796
Retained earnings	703,687	612,687	561,211
Accumulated other comprehensive loss	(35,765)	(38,703)	(57,982)
Total EZCORP equity	1,120,009	1,025,485	851,575
Non-controlling interest	21,916	0	0
Total equity	1,141,925	1,025,485	851,575
Total liabilities and equity	2,126,757	1,951,209	1,829,628
Common Stock Class A Non-voting
Stockholders’ equity:
Common stock	586	579	520
Common Stock Class B Voting
Stockholders’ equity:
Common stock	$ 30	$ 30	$ 30

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Revenues:
Total revenues	$ 446,881	$ 306,316	$ 828,900	$ 626,486
Gross profit	260,038	178,452	483,004	363,856
Operating expenses:
Store expenses	148,119	111,067	274,891	222,003
General and administrative	34,488	25,100	61,231	49,284
Depreciation and amortization	9,588	8,020	18,344	16,355
Loss on sale or disposal of assets and other	0	17	87	25
Total operating expenses	192,195	144,204	354,553	287,667
Operating income	67,843	34,248	128,451	76,189
Interest expense	8,354	3,281	16,520	6,428
Interest income	(2,587)	(1,875)	(7,401)	(3,968)
Equity in net income of unconsolidated affiliates	(1,166)	(1,505)	(2,989)	(2,980)
Other (income) expense	(2,244)	(65)	(2,336)	913
Income before income taxes	65,486	34,412	124,657	75,796
Income tax expense	15,902	9,022	30,769	19,390
Consolidated net income	49,584	25,390	93,888	56,406
Consolidated net (income) attributable to non-controlling interest	(481)	0	(481)	0
Consolidated net income attributable to EZCORP	$ 49,103	$ 25,390	$ 93,407	$ 56,406
Basic earnings per share attributable to EZCORP (in dollars per share)	$ 0.80	$ 0.46	$ 1.52	$ 1.03
Diluted earnings per share attributable to EZCORP (in dollars per share)	$ 0.61	$ 0.33	$ 1.17	$ 0.74
Weighted-average basic shares outstanding (in shares)	61,653	54,965	61,446	54,895
Weighted-average diluted shares outstanding (in shares)	83,410	83,140	83,354	83,247
Merchandise sales
Revenues:
Total revenues	$ 214,465	$ 169,467	$ 424,612	$ 355,810
Cost of revenues	136,788	111,555	269,544	233,379
Jewelry scrap sales
Revenues:
Total revenues	81,240	20,938	121,149	37,670
Cost of revenues	50,055	16,309	76,352	29,251
Pawn service charges
Revenues:
Total revenues	151,128	115,871	283,045	232,923
Other revenues
Revenues:
Total revenues	$ 48	$ 40	$ 94	$ 83

Fair Value Measurements

6 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Fair Value Measurements

NOTE 7: FAIR VALUE MEASUREMENTS

The fair value of a financial instrument is the amount that could be received upon the sale of an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy prioritizes the quality and reliability of the information used to determine fair values. Categorization within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The fair value hierarchy is defined into the following three categories:

•Level 1 — Quoted market prices in active markets for identical assets or liabilities.

•Level 2 — Other observable market-based inputs or unobservable inputs that are corroborated by market data.

•Level 3 — Unobservable inputs that are not corroborated by market data.

We have elected not to measure at fair value any eligible items for which fair value measurement is optional.

There were no transfers in or out of Level 1, Level 2 or Level 3 for financial assets or liabilities measured at fair value on a recurring basis during the periods presented.

Financial Assets and Liabilities Not Measured at Fair Value

The tables below present our estimates of fair value of financial assets and liabilities that were not measured at fair value:


	Carrying Value		Estimated Fair Value
	March 31, 2026		March 31, 2026		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Investments in unconsolidated affiliates	$	26,093	$	61,839	$	60,459	$	—	$	1,380
Financial liabilities:
2029 Convertible Notes	$	225,751	$	558,257	$	—	$	558,257	$	—
2032 Senior Notes	293,250		313,420		—		313,420		—


	Carrying Value		Estimated Fair Value
	March 31, 2025		March 31, 2025		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable from Founders	$	16,921	$	16,921	$	—	$	—	$	16,921
Investments in unconsolidated affiliates	13,967		42,199		41,349		—		850
Financial liabilities:
2025 Convertible Notes	$	103,325	$	104,024	$	—	$	104,024	$	—
2029 Convertible Notes	224,723		338,089		—		338,089		—
2032 Senior Notes	292,465		305,117		—		305,117		—


	Carrying Value		Estimated Fair Value
	September 30, 2025		September 30, 2025		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable from Founders	$	24,369	$	24,369	$	—	$	—	$	24,369
Investments in unconsolidated affiliates	18,123		59,729		58,573		—		1,156
Financial liabilities:
2029 Convertible Notes	$	225,258	$	422,931	$	—	$	422,931	$	—
2032 Senior Notes	292,818		320,734		—		320,734		—

Based primarily on the short-term nature of cash and cash equivalents, pawn loans, pawn service charges receivable and other liabilities, we estimate that their carrying value approximates fair value. We consider our cash and cash equivalents to be measured using Level 1 inputs and our pawn loans, pawn service charges receivable and other liabilities to be measured using Level 3 inputs. Significant increases or decreases in the underlying assumptions used to value pawn loans, pawn service charges receivable, consumer loans, fees and interest receivable and other debt could significantly increase or decrease these fair value estimates.

We use the equity method of accounting to account for our ownership interest in Cash Converters. The inputs used to generate the fair value of the investment in Cash Converters were considered Level 1 inputs. These inputs consist of (a) the quoted stock price on the Australian Stock Exchange multiplied by (b) the number of shares we owned multiplied by (c) the applicable foreign currency exchange rate as of the end of our reporting period. We included no control premium for owning a large percentage of outstanding shares.

We measured the fair value of the 2025 Convertible Notes, 2029 Convertible Notes, and 2032 Senior Notes using quoted price inputs. The notes are not actively traded, and thus the price inputs represent a Level 2 measurement. As the quoted price inputs are highly variable from day to day, the fair value estimates disclosed above could significantly increase or decrease.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
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+ Details

Leases

6 Months Ended

Mar. 31, 2026

Leases [Abstract]

Leases

NOTE 5: LEASES

We determine if a contract contains a lease at inception. Our lease portfolio consists primarily of operating leases for pawn store locations and corporate offices with lease terms ranging from five to ten years and finance leases for vehicles with lease terms ranging from two to five years.

The table below presents balances of our lease assets and liabilities and their balance sheet locations for both operating and financing leases:


(in thousands)	Balance Sheet Location	March 31, 2026		March 31, 2025		September 30, 2025
Lease assets:
Operating lease right-of-use assets	Right-of-use assets	$	269,742	$	229,878	$	236,462
Financing lease assets	Other assets, net	1,102		1,256		1,075
Total lease assets		$	270,844	$	231,134	$	237,537

Lease liabilities:
Current:
Operating lease liabilities	Operating lease liabilities, current	$	68,041	$	58,855	$	61,228
Financing lease liabilities	Accounts payable, accrued expenses and other current liabilities	752		589		643
Total current lease liabilities		$	68,793	$	59,444	$	61,871

Non-current:
Operating lease liabilities	Operating lease liabilities	$	211,956	$	182,873	$	184,736
Financing lease liabilities	Other long-term liabilities	481		798		573
Total non-current lease liabilities		$	212,437	$	183,671	$	185,309
Total lease liabilities		$	281,230	$	243,115	$	247,180

The table below provides major components of our lease costs:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2026		2025		2026		2025

Operating lease cost:
Operating lease cost*	$	23,249	$	18,244	$	44,110	$	38,213
Variable lease cost	6,693		5,759		11,726		9,052
Total operating lease cost	$	29,942	$	24,003	$	55,836	$	47,265

Financing lease cost:
Amortization of financing lease assets	$	178	$	143	$	335	$	282
Interest on financing lease liabilities	35		41		72		85
Total financing lease cost	$	213	$	184	$	407	$	367
Total lease cost	$	30,155	$	24,187	$	56,243	$	47,632

* Includes reductions for sublease rental income for the three and six-month periods ended March 31, 2026 and 2025 of $0.6 million and $0.6 million, and $1.4 million and $1.3 million, respectively.

Lease expense is recognized on a straight-line basis over the lease term with variable lease expense recognized in the period in which the costs are incurred. The components of lease expense are included in “Store expenses” and “General and administrative” under Operating expenses, based on the underlying lease use. Cash paid for operating leases for the three and six-month periods ended March 31, 2026 and 2025, was $23.4 million and $20.0 million, and $44.7 million and $40.0 million, respectively.

The weighted-average term and discount rates for leases are as follows:


	Six Months Ended March 31,
	2026		2025
Weighted-average remaining lease term (years):
Operating leases	5.30		5.01
Financing leases	2.07		2.31

Weighted-average discount rate:
Operating leases	8.41	%	8.56	%
Financing leases	12.08	%	11.14	%

As of March 31, 2026, maturities of lease liabilities under ASC 842 by fiscal year were as follows:


(in thousands)	Operating Leases		Financing Leases
Remaining 2026	$	44,872	$	452
Fiscal 2027	81,890		627
Fiscal 2028	64,339		167
Fiscal 2029	48,305		119
Fiscal 2030	34,436		37
Thereafter	75,914		—
Total lease liabilities	$	349,756	$	1,402
Less: portion representing imputed interest	69,759		169
Total net lease liabilities	$	279,997	$	1,233
Less: current portion	68,041		752
Total long-term net lease liabilities	$	211,956	$	481

We recorded $65.3 million and $34.0 million in non-cash additions to our operating right-of-use assets and lease liabilities for the six months ended March 31, 2026 and 2025, respectively.

Leases

NOTE 5: LEASES

The table below presents balances of our lease assets and liabilities and their balance sheet locations for both operating and financing leases:


(in thousands)	Balance Sheet Location	March 31, 2026		March 31, 2025		September 30, 2025
Lease assets:
Operating lease right-of-use assets	Right-of-use assets	$	269,742	$	229,878	$	236,462
Financing lease assets	Other assets, net	1,102		1,256		1,075
Total lease assets		$	270,844	$	231,134	$	237,537

Lease liabilities:
Current:
Operating lease liabilities	Operating lease liabilities, current	$	68,041	$	58,855	$	61,228
Financing lease liabilities	Accounts payable, accrued expenses and other current liabilities	752		589		643
Total current lease liabilities		$	68,793	$	59,444	$	61,871

Non-current:
Operating lease liabilities	Operating lease liabilities	$	211,956	$	182,873	$	184,736
Financing lease liabilities	Other long-term liabilities	481		798		573
Total non-current lease liabilities		$	212,437	$	183,671	$	185,309
Total lease liabilities		$	281,230	$	243,115	$	247,180

The table below provides major components of our lease costs:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2026		2025		2026		2025

Operating lease cost:
Operating lease cost*	$	23,249	$	18,244	$	44,110	$	38,213
Variable lease cost	6,693		5,759		11,726		9,052
Total operating lease cost	$	29,942	$	24,003	$	55,836	$	47,265

Financing lease cost:
Amortization of financing lease assets	$	178	$	143	$	335	$	282
Interest on financing lease liabilities	35		41		72		85
Total financing lease cost	$	213	$	184	$	407	$	367
Total lease cost	$	30,155	$	24,187	$	56,243	$	47,632

* Includes reductions for sublease rental income for the three and six-month periods ended March 31, 2026 and 2025 of $0.6 million and $0.6 million, and $1.4 million and $1.3 million, respectively.

The weighted-average term and discount rates for leases are as follows:


	Six Months Ended March 31,
	2026		2025
Weighted-average remaining lease term (years):
Operating leases	5.30		5.01
Financing leases	2.07		2.31

Weighted-average discount rate:
Operating leases	8.41	%	8.56	%
Financing leases	12.08	%	11.14	%

As of March 31, 2026, maturities of lease liabilities under ASC 842 by fiscal year were as follows:


(in thousands)	Operating Leases		Financing Leases
Remaining 2026	$	44,872	$	452
Fiscal 2027	81,890		627
Fiscal 2028	64,339		167
Fiscal 2029	48,305		119
Fiscal 2030	34,436		37
Thereafter	75,914		—
Total lease liabilities	$	349,756	$	1,402
Less: portion representing imputed interest	69,759		169
Total net lease liabilities	$	279,997	$	1,233
Less: current portion	68,041		752
Total long-term net lease liabilities	$	211,956	$	481

We recorded $65.3 million and $34.0 million in non-cash additions to our operating right-of-use assets and lease liabilities for the six months ended March 31, 2026 and 2025, respectively.

Insider Trading Arrangements shares in Thousands	3 Months Ended
Insider Trading Arrangements shares in Thousands	Mar. 31, 2026 shares
Trading Arrangements, by Individual
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false
Pablo Lagos Espinosa [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	On March 4, 2026, Pablo Lagos Espinosa, Director, as sole beneficial owner of Lakeside Growth Enterprises, LP, entered into a prearranged trading plan to sell up to 20,000 shares of the Company’s Class A Non-Voting Common Stock, structured as 10,000 shares between June 5, 2026 and June 4, 2027 and 10,000 shares between July 6, 2026 and June 4, 2027, pursuant to the terms of the plan. The plan is designed to satisfy the affirmative defense conditions of Rule 10b5-1(c) under the Exchange Act and comply with the Company’s policies regarding stock transactions.
Name	Pablo Lagos Espinosa
Title	Director
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	March 4, 2026
Expiration Date	June 4, 2027
Arrangement Duration	364 days
Pablo Lagos Espinosa, Class A Non-Voting Common Stock [Member] \| Pablo Lagos Espinosa [Member]
Trading Arrangements, by Individual
Aggregate Available	20
Pablo Lagos Espinosa, Class A Non-Voting Common Stock Arrangement 1 [Member] \| Pablo Lagos Espinosa [Member]
Trading Arrangements, by Individual
Aggregate Available	10
Pablo Lagos Espinosa, Class A Non-Voting Common Stock Arrangement 2 [Member] \| Pablo Lagos Espinosa [Member]
Trading Arrangements, by Individual
Aggregate Available	10

Acquisitions - Pro forma Information (Details) - El Bufalo Pawn - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Business Combination [Line Items]
Total revenues	$ 446,881	$ 348,632	$ 883,357	$ 719,361
Consolidated net income	$ 48,336	$ 21,497	$ 88,213	$ 45,741

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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-Topic 805
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479328/805-10-50-2

+ Details

Organization and Summary of Significant Accounting Policies - Merchandise Sales Revenue Recognition (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Sep. 30, 2025	Mar. 31, 2025
Accounting Policies [Abstract]
Customer layaway deposits	$ 39,522	$ 33,901	$ 31,016

Goodwill

6 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill

NOTE 3: GOODWILL

The following table summarizes the changes in the carrying amount of goodwill by segment and in total:


(in thousands)	U.S. Pawn		Latin America Pawn		SMG		Consolidated

Balance as of September 30, 2025	$	268,063	$	56,826	$	—	$	324,889
Acquisitions(a)	22,638		1,689		123,435		147,762
Effect of foreign currency translation changes	—		862		—		862
Balance as of March 31, 2026	$	290,701	$	59,377	$	123,435	$	473,513


(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balance as of September 30, 2024	$	264,428	$	42,050	$	306,478
Effect of foreign currency translation changes	—		(1,239)		(1,239)
Balance as of March 31, 2025	$	264,428	$	40,811	$	305,239

CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY - USD ($) shares in Thousands, $ in Thousands	Total	Total EZCORP Equity	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Non-Controlling Interest
Beginning balance (in shares) at Sep. 30, 2024			54,553
Beginning balance at Sep. 30, 2024	$ 804,571		$ 546	$ 348,366	$ 507,206	$ (51,547)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	2,597			2,597
Release of restricted stock, net of shares withheld for taxes (in shares)			718
Release of restricted stock, net of shares withheld for taxes	0		$ 7	(7)
Taxes paid related to net share settlement of equity awards	(3,971)			(3,971)
Foreign currency translation gain (loss)	(7,319)					(7,319)
Purchase and retirement of treasury stock (in shares)			(250)
Purchase and retirement of treasury stock	(3,000)		$ (3)	(1,202)	(1,795)
Consolidated net income	31,016				31,016
Ending balance (in shares) at Dec. 31, 2024			55,021
Ending balance at Dec. 31, 2024	823,894		$ 550	345,783	536,427	(58,866)
Beginning balance (in shares) at Sep. 30, 2024			54,553
Beginning balance at Sep. 30, 2024	804,571		$ 546	348,366	507,206	(51,547)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Consolidated net income	56,406
Ending balance (in shares) at Mar. 31, 2025			55,014
Ending balance at Mar. 31, 2025	851,575		$ 550	347,796	561,211	(57,982)
Beginning balance (in shares) at Dec. 31, 2024			55,021
Beginning balance at Dec. 31, 2024	823,894		$ 550	345,783	536,427	(58,866)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	2,404			2,404
Release of restricted stock, net of shares withheld for taxes (in shares)			76
Release of restricted stock, net of shares withheld for taxes	0		$ 1	(1)
Foreign currency translation gain (loss)	884					884
Purchase and retirement of treasury stock (in shares)			(83)
Purchase and retirement of treasury stock	(997)		$ (1)	(390)	(606)
Consolidated net income	25,390				25,390
Ending balance (in shares) at Mar. 31, 2025			55,014
Ending balance at Mar. 31, 2025	851,575		$ 550	347,796	561,211	(57,982)
Beginning balance (in shares) at Sep. 30, 2025			60,892
Beginning balance at Sep. 30, 2025	1,025,485	$ 1,025,485	$ 609	450,892	612,687	(38,703)	$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	3,397	3,397		3,397
Release of restricted stock, net of shares withheld for taxes (in shares)			803
Release of restricted stock, net of shares withheld for taxes	0	0	$ 8	(8)
Taxes paid related to net share settlement of equity awards	(6,346)	(6,346)		(6,346)
Foreign currency translation gain (loss)	3,859	3,859				3,859
Consolidated net income	44,304	44,304			44,304
Ending balance (in shares) at Dec. 31, 2025			61,695
Ending balance at Dec. 31, 2025	1,070,699	1,070,699	$ 617	447,935	656,991	(34,844)	0
Beginning balance (in shares) at Sep. 30, 2025			60,892
Beginning balance at Sep. 30, 2025	1,025,485	1,025,485	$ 609	450,892	612,687	(38,703)	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Consolidated net income	93,888
Ending balance (in shares) at Mar. 31, 2026			61,592
Ending balance at Mar. 31, 2026	1,141,925	1,120,009	$ 616	451,471	703,687	(35,765)	21,916
Beginning balance (in shares) at Dec. 31, 2025			61,695
Beginning balance at Dec. 31, 2025	1,070,699	1,070,699	$ 617	447,935	656,991	(34,844)	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	5,137	5,137		5,137
Release of restricted stock, net of shares withheld for taxes (in shares)			52
Release of restricted stock, net of shares withheld for taxes	0	0	$ 1	(1)
Taxes paid related to net share settlement of equity awards	(1)	(1)		(1)
Foreign currency translation gain (loss)	(921)	(921)				(921)
Purchase and retirement of treasury stock (in shares)			(155)
Purchase and retirement of treasury stock	(4,008)	(4,008)	$ (2)	(1,599)	(2,407)
Non-controlling interest in Founders net assets at acquisition	21,435						21,435
Consolidated net income	49,584	49,103			49,103		481
Ending balance (in shares) at Mar. 31, 2026			61,592
Ending balance at Mar. 31, 2026	$ 1,141,925	$ 1,120,009	$ 616	$ 451,471	$ 703,687	$ (35,765)	$ 21,916

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Statement of Comprehensive Income [Abstract]
Foreign currency translation adjustment, tax	$ 178	$ (305)	$ 97	$ (199)

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Mar. 31, 2026	Sep. 30, 2025	Mar. 31, 2025
Common Stock Class A Non-voting
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000	100,000,000
Common stock, shares issued (in shares)	58,622,115	57,921,451	52,043,599
Common stock, shares outstanding (in shares)	58,622,115	57,921,451	52,043,599
Common Stock Class B Voting
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	3,000,000	3,000,000	3,000,000
Common stock, shares issued (in shares)	2,970,171	2,970,171	2,970,171
Common stock, shares outstanding (in shares)	2,970,171	2,970,171	2,970,171

Fair Value Measurements (Tables)

6 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Schedule of Financial Assets and Liabilities Note Measured at Fair Value

The tables below present our estimates of fair value of financial assets and liabilities that were not measured at fair value:


	Carrying Value		Estimated Fair Value
	March 31, 2026		March 31, 2026		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Investments in unconsolidated affiliates	$	26,093	$	61,839	$	60,459	$	—	$	1,380
Financial liabilities:
2029 Convertible Notes	$	225,751	$	558,257	$	—	$	558,257	$	—
2032 Senior Notes	293,250		313,420		—		313,420		—


	Carrying Value		Estimated Fair Value
	March 31, 2025		March 31, 2025		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable from Founders	$	16,921	$	16,921	$	—	$	—	$	16,921
Investments in unconsolidated affiliates	13,967		42,199		41,349		—		850
Financial liabilities:
2025 Convertible Notes	$	103,325	$	104,024	$	—	$	104,024	$	—
2029 Convertible Notes	224,723		338,089		—		338,089		—
2032 Senior Notes	292,465		305,117		—		305,117		—


	Carrying Value		Estimated Fair Value
	September 30, 2025		September 30, 2025		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable from Founders	$	24,369	$	24,369	$	—	$	—	$	24,369
Investments in unconsolidated affiliates	18,123		59,729		58,573		—		1,156
Financial liabilities:
2029 Convertible Notes	$	225,258	$	422,931	$	—	$	422,931	$	—
2032 Senior Notes	292,818		320,734		—		320,734		—

Earnings Per Share (Tables)

6 Months Ended

Mar. 31, 2026

Earnings Per Share [Abstract]

Schedule of Net Components of Basic and Diluted Earnings Per Share

The following table reconciles the number of common shares used to compute basic and diluted earnings per share attributable to EZCORP Inc., shareholders:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands, except per share amounts)	2026		2025		2026		2025

Basic earnings per common share:
Consolidated net income	$	49,584	$	25,390	$	93,888	$	56,406
Consolidated net (income) attributable to non-controlling interest	(481)		—		(481)		—
Consolidated net income attributable to EZCORP - basic	49,103		25,390		93,407		56,406
Weighted shares outstanding - basic	61,653		54,965		61,446		54,895
Basic earnings per common share attributable to EZCORP	$	0.80	$	0.46	$	1.52	$	1.03

Diluted earnings per common share:
Consolidated net income attributable to EZCORP - basic	$	49,103	$	25,390	$	93,407	$	56,406
Add: Convertible Notes interest expense, net of tax (a)	1,850		2,405		3,728		4,844
Consolidated net income attributable to EZCORP - diluted	$	50,953	$	27,795	$	97,135	$	61,250
Weighted shares outstanding - basic	61,653		54,965		61,446		54,895
Equity-based compensation awards - effect of dilution (b)	1,280		1,196		1,431		1,373
Convertible Notes - effect of dilution (c)	20,477		26,979		20,477		26,979
Weighted shares outstanding - diluted	83,410		83,140		83,354		83,247
Diluted earnings per common share attributable to EZCORP	$	0.61	$	0.33	$	1.17	$	0.74

Potential common shares excluded from the calculation of diluted earnings per common share above:
Restricted stock (d)	1,462		1,424		1,463		1,433

(b) Includes time-based share-based awards and performance-based awards for which targets for fiscal year tranches have been achieved and vesting is subject only to achievement of service conditions.

Commitments and Contingencies	6 Months Ended
Commitments and Contingencies	Mar. 31, 2026
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	NOTE 10: COMMITMENTS AND CONTINGENCIES Currently, and from time to time, we are involved in various claims, disputes, lawsuits, investigations, and legal and regulatory proceedings. We accrue for contingencies if it is probable that a liability has been incurred and the amount of the loss can be reasonably estimated. Because these matters are inherently unpredictable and unfavorable developments or resolutions can occur, assessing contingencies requires judgments and is highly subjective about future events, and the amount of resulting loss may differ from these estimates. We do not believe the resolution of any particular matter will have a material adverse effect on our financial condition, results of operations or liquidity.

Leases (Tables)

6 Months Ended

Mar. 31, 2026

Leases [Abstract]

Schedule of Lessee Assets and Liabilities

The table below presents balances of our lease assets and liabilities and their balance sheet locations for both operating and financing leases:


(in thousands)	Balance Sheet Location	March 31, 2026		March 31, 2025		September 30, 2025
Lease assets:
Operating lease right-of-use assets	Right-of-use assets	$	269,742	$	229,878	$	236,462
Financing lease assets	Other assets, net	1,102		1,256		1,075
Total lease assets		$	270,844	$	231,134	$	237,537

Lease liabilities:
Current:
Operating lease liabilities	Operating lease liabilities, current	$	68,041	$	58,855	$	61,228
Financing lease liabilities	Accounts payable, accrued expenses and other current liabilities	752		589		643
Total current lease liabilities		$	68,793	$	59,444	$	61,871

Non-current:
Operating lease liabilities	Operating lease liabilities	$	211,956	$	182,873	$	184,736
Financing lease liabilities	Other long-term liabilities	481		798		573
Total non-current lease liabilities		$	212,437	$	183,671	$	185,309
Total lease liabilities		$	281,230	$	243,115	$	247,180

Schedule of Lease Cost

The table below provides major components of our lease costs:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2026		2025		2026		2025

Operating lease cost:
Operating lease cost*	$	23,249	$	18,244	$	44,110	$	38,213
Variable lease cost	6,693		5,759		11,726		9,052
Total operating lease cost	$	29,942	$	24,003	$	55,836	$	47,265

Financing lease cost:
Amortization of financing lease assets	$	178	$	143	$	335	$	282
Interest on financing lease liabilities	35		41		72		85
Total financing lease cost	$	213	$	184	$	407	$	367
Total lease cost	$	30,155	$	24,187	$	56,243	$	47,632

* Includes reductions for sublease rental income for the three and six-month periods ended March 31, 2026 and 2025 of $0.6 million and $0.6 million, and $1.4 million and $1.3 million, respectively.

The weighted-average term and discount rates for leases are as follows:


	Six Months Ended March 31,
	2026		2025
Weighted-average remaining lease term (years):
Operating leases	5.30		5.01
Financing leases	2.07		2.31

Weighted-average discount rate:
Operating leases	8.41	%	8.56	%
Financing leases	12.08	%	11.14	%

Schedule of Operating Lease Maturity

As of March 31, 2026, maturities of lease liabilities under ASC 842 by fiscal year were as follows:


(in thousands)	Operating Leases		Financing Leases
Remaining 2026	$	44,872	$	452
Fiscal 2027	81,890		627
Fiscal 2028	64,339		167
Fiscal 2029	48,305		119
Fiscal 2030	34,436		37
Thereafter	75,914		—
Total lease liabilities	$	349,756	$	1,402
Less: portion representing imputed interest	69,759		169
Total net lease liabilities	$	279,997	$	1,233
Less: current portion	68,041		752
Total long-term net lease liabilities	$	211,956	$	481

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Statement of Comprehensive Income [Abstract]
Consolidated net income	$ 49,584	$ 25,390	$ 93,888	$ 56,406
Other comprehensive income:
Foreign currency translation adjustment, net of income tax (expense) for our investment in unconsolidated affiliate of $178 and $(305) for the three months ended March 31, 2026, and 2025, respectively and $97 and $(199) for the six months ended March 31, 2026 and 2025, respectively.	(921)	884	2,938	(6,435)
Consolidated comprehensive income	48,663	26,274	96,826	49,971
Consolidated comprehensive (income) attributable to non-controlling interest	(481)	0	(481)	0
Comprehensive income attributable to EZCORP	$ 48,182	$ 26,274	$ 96,345	$ 49,971

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income (loss) and other comprehensive income (loss), attributable to noncontrolling interests. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 45
-Paragraph 20
-SubTopic 10
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Organization and Summary of Significant Accounting Policies - Reclassifications (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Decrease in store expenses	$ (148,119)	$ (111,067)	$ (274,891)	$ (222,003)
General and administrative expense	$ 34,488	25,100	$ 61,231	49,284
Revision of Prior Period, Adjustment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Decrease in store expenses		5,500		11,000
General and administrative expense		$ 5,500		$ 11,000

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

Subsequent Events (Details) - Maple Empeños Acquisition - Subsequent Event $ in Millions	Apr. 17, 2026 USD ($) store
Subsequent Event [Line Items]
Number of pawn stores acquired \| store	32
Initial purchase price \| $	$ 6.0

Subsequent Events	6 Months Ended
Subsequent Events	Mar. 31, 2026
Subsequent Events [Abstract]
Subsequent Events	NOTE 13: SUBSEQUENT EVENTS Maple Empeños Acquisition On April 17, 2026, we acquired the assets of 32 pawn store locations in Guatemala operating under the name "Maple Empeños" for approximately $6.0 million. The preliminary purchase price allocation for this transaction has not yet been completed and is based on preliminary estimates that are subject to change as additional information becomes available. Final amounts, including tangible assets, identifiable intangible assets, if any, and goodwill, will be disclosed in accordance with ASC 805 in future filings.