UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                     PURSUANT TO SECTION 13 OR 15(d) OF THE

                         SECURITIES EXCHANGE ACT OF 1934

                DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED):
                                  JULY 22, 2003

                                  EZCORP, INC.

             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

                                    DELAWARE
                 (STATE OR OTHER JURISDICTION OF INCORPORATION)

                 0-19424                              74-2540145
       (COMMISSION FILE NUMBER)          (IRS EMPLOYER IDENTIFICATION NO.)

                              1901 CAPITAL PARKWAY
                               AUSTIN, TEXAS 78746
           (ADDRESS OF PRINCIPAL EXECUTIVE OFFICE, INCLUDING ZIP CODE)

                                 (512) 314-3400
              (REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE)

ITEM 7. EXHIBITS.

99    Press release dated July 22, 2003, issued by EZCORP, Inc.

ITEM 9. REGULATION FD DISCLOSURE

This information set forth under "Item 9. Regulation FD Disclosure" is intended
to be furnished solely under "Item 12. Results Of Operations And Financial
Condition" in accordance with SEC Release No. 33-8216. Such information,
including the Exhibit attached hereto, shall not be deemed "filed" for purposes
of Section 18 of the Securities and Exchange Act of 1934 (the "Exchange Act") or
otherwise subject to the liabilities of that section, nor shall it be deemed
incorporated by reference in any filing under the Securities Act of 1933 or the
Exchange Act, regardless of any general incorporation language in such filing.

On July 22, 2003, EZCORP, Inc. issued a press release announcing its results of
operations and financial condition for the three and nine-month periods ended
June 30, 2003. A copy of the press release is attached hereto as Exhibit 99.

ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION

The information required under this Item 12 is being provided under Item 9 of
this report as provided in SEC Release No. 33-8216.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                  EZCORP, INC.
                                    (Registrant)

Date: July 22, 2003                 By:  /s/ Daniel N. Tonissen
                                         --------------------------------------
                                         (Signature)
                                         Senior Vice President, Chief Financial
                                         Officer, and Director

                                  EXHIBIT INDEX

      
99       Press release dated July 22, 2003, issued by EZCORP, Inc.

                                                                      EXHIBIT 99

                     EZCORP ANNOUNCES THIRD QUARTER RESULTS

AUSTIN, TEXAS (JULY 22, 2003) -- EZCORP, Inc. (Nasdaq/NM: EZPW) announced today
results for its third fiscal 2003 quarter and the nine month period, which ended
June 30, 2003.

For the three months ended June 30, 2003, net income increased to $53,000 ($0.00
per share) compared to a net loss of $513,000 ($0.04 per share) for the
comparable prior year period. These earnings are at the upper end of the
Company's publicly announced estimate of $0.00 to a loss of $0.02 per share for
this period. Total revenues for the three month period increased 9% to
$46,903,000.

For the nine months ended June 30, 2003, income before the cumulative effect of
an accounting change increased to $3,836,000 ($0.31 per share) compared to
$1,953,000 ($0.16 per share) for the comparable prior year period. Total
revenues for the nine month period increased 5% to $153,124,000. Effective
October 1, 2002, the Company adopted Statement of Financial Accounting Standards
No. 142 which deals with the accounting treatment of goodwill and other
intangible assets. After a charge of $8,037,000 for the cumulative effect of
adopting this new accounting principle, the Company realized a net loss of
$4,201,000 for the nine month period.

Commenting on these results, Joseph L. Rotunda, President and Chief Executive
Officer, said, "Results for our third fiscal quarter continue to be in line with
our expectations. For the quarter, our pawn lending was especially strong with
pawn service charge revenue up six percent from the same period last year,
primarily due to a six percentage point improvement in our annualized yield on
pawn loans. We also realized three percent same store sales growth; however,
this came at a cost of lower margins as we aggressively pushed to reduce aging
inventory levels. Inventory turnover was very strong at 2.7 times compared to
2.2 times for the same period a year ago."

 "Our payroll advance product continues to mature with payroll advance finance
charges up fifty-six percent to just over three-million dollars for the quarter
and our end of period loan balance up seventy-five percent from June 2002 to
$3,116,000. As we generated this growth, we also lowered our net defaults on
payroll advance loans one percentage point, compared to the third fiscal 2002
quarter, to 4.8%."

Mr. Rotunda continued, "We are also excited about opening our first two payroll
advance stores: one is a stand-alone store that offers payroll advances and the
other is a "store within a store" with the payroll advance operation separated
from the adjoining EZPawn. We believe both models offer significant growth
opportunity in the future."

The Company estimates fiscal 2003 earnings (before the cumulative effect of the
change in accounting principle) to be between thirty-five and forty cents per
share compared to eighteen cents per share for fiscal 2002. For the fiscal 2003
fourth quarter, the Company estimates earnings to be between four and nine cents
per share compared to two cents per share for the fiscal 2002 fourth quarter.
Seasonally, the Company's fourth quarter earnings are expected to be the second
weakest of the quarters (after the third quarter) due mainly to lower sales
levels. The Company's preliminary earnings guidance for its fiscal 2004 is fifty
to fifty-five cents per share.

EZCORP offers consumers convenient, non-recourse loans collateralized by
tangible personal property, and short-term non-collateralized loans, often
referred to as payday loans. A secondary, but related, business activity is the
selling of previously owned merchandise consisting primarily of forfeited
collateral. At June 30, 2003, the Company operated 280 stores in eleven states.

This announcement contains certain forward-looking statements regarding the
Company's expected performance for future periods including, but not limited to,
expected future earnings. Actual results for these periods may materially differ
from these statements. Such forward-looking statements involve risks

and uncertainties such as changing market conditions in the overall economy and
the industry, consumer demand for the Company's services and merchandise,
changes in regulatory environment, and other factors periodically discussed in
the Company's annual, quarterly and other reports filed with the Securities and
Exchange Commission.

You are invited to listen to a conference call discussing these results on July
22, 2003 at 10:00 am Central Time. The conference call can be accessed over the
Internet (or replay at your convenience) at the following address.

          http://www.firstcallevents.com/service/ajwz383995606gf12.html

For additional information, contact Dan Tonissen at (512) 314-2289.

                                  EZCORP, INC.
         HIGHLIGHTS OF CONSOLIDATED STATEMENT OF OPERATIONS (UNAUDITED)
              (in thousands, except per share data and store count)

                                                                                                THREE MONTHS ENDED JUNE 30,
                                                                                             --------------------------------
                                                                                                 2003               2002
                                                                                             --------------    --------------
                                                                                                         
Total revenues                                                                               $       46,903    $       43,140
Cost of goods sold                                                                                   19,714            17,601
                                                                                             --------------    --------------
Net revenues                                                                                         27,189            25,539
Operating expenses                                                                                   24,832            22,804
                                                                                             --------------    --------------
    Operating income before depreciation and amortization                                             2,357             2,735
Depreciation and amortization                                                                         2,179             2,501
                                                                                             --------------    --------------
    Operating income                                                                                    178               234
Interest expense, net                                                                                   403               972
Equity in net income of unconsolidated affiliate                                                       (333)             (110)
Loss on sale of assets                                                                                   27               186
                                                                                             --------------    --------------
Income (loss) before income taxes                                                                        81              (814)
Income tax expense (benefit)                                                                             28              (301)
                                                                                             --------------    --------------
Income (loss) before cumulative effect of a change in accounting principle                   $           53    $         (513)
Cumulative effect of adopting a new accounting principle, net of tax                                     --                --
                                                                                             --------------    --------------
Net income (loss)                                                                            $           53    $         (513)
                                                                                             ==============    ==============

Income (loss) per share, assuming dilution:
   Income (loss) before cumulative effect of a change in accounting principle                $           --    $        (0.04)
   Cumulative effect of adopting a new accounting principle, net of tax                                  --                --
                                                                                             --------------    --------------
   Net income (loss)                                                                         $           --    $        (0.04)
                                                                                             ==============    ==============

Weighted average shares - assuming dilution                                                          12,528            12,148
Store count - average for period                                                                        280               280

Pro forma results, as if the new accounting principle were in effect for all periods:

   Net income (loss) as reported                                                             $           53    $         (513)
   Add back:  goodwill and pawn license amortization, net of tax                                         --                95
   Add back:  amortization of goodwill related to equity investee, net
   of tax                                                                                                --                71
   Add back:  cumulative effect of adopting a new accounting principle, net of tax                       --                --
                                                                                             --------------    --------------
   Adjusted net income (loss)                                                                $           53    $         (347)
                                                                                             ==============    ==============

   Per share amounts - assuming dilution:
       Net income (loss) as reported                                                         $           --    $        (0.04)
       Add back:  goodwill and pawn license amortization, net of tax                                     --              0.01
       Add back:  amortization of goodwill related to equity investee, net of tax                        --                --
       Add back:  cumulative effect of adopting a new accounting principle, net of tax                   --                --
                                                                                             --------------    --------------
       Adjusted net income (loss)                                                            $           --    $        (0.03)
                                                                                             ==============    ==============

                                  EZCORP, INC.
         HIGHLIGHTS OF CONSOLIDATED STATEMENT OF OPERATIONS (UNAUDITED)
              (in thousands, except per share data and store count)

                                                                                                    NINE MONTHS ENDED JUNE 30,
                                                                                                     2003              2002
                                                                                                 --------------    --------------
                                                                                                             
  Total revenues                                                                                 $      153,124    $      145,202
  Cost of goods sold                                                                                     63,708            60,591
                                                                                                 --------------    --------------
  Net revenues                                                                                           89,416            84,611
  Operating expenses                                                                                     76,381            70,272
                                                                                                 --------------    --------------
      Operating income before depreciation and amortization                                              13,035            14,339
  Depreciation and amortization                                                                           6,636             7,631
                                                                                                 --------------    --------------
      Operating income                                                                                    6,399             6,708
  Interest expense, net                                                                                   1,534             3,711
  Equity in net income of unconsolidated affiliate                                                       (1,062)             (422)
  Loss on sale of assets                                                                                     26               319
                                                                                                 --------------    --------------
  Income before income taxes                                                                              5,901             3,100
  Income tax expense                                                                                      2,065             1,147
                                                                                                 --------------    --------------
  Income before cumulative effect of a change in accounting principle                            $        3,836    $        1,953
  Cumulative effect of adopting a new accounting principle, net of tax                                   (8,037)               --
                                                                                                 --------------    --------------
  Net income (loss)                                                                              $       (4,201)   $        1,953
                                                                                                 ==============    ==============

  Income (loss) per share, assuming dilution:
     Income before cumulative effect of a change in accounting principle                         $         0.31    $         0.16
     Cumulative effect of adopting a new accounting principle, net of tax                        $        (0.65)               --
                                                                                                 --------------    --------------
     Net income (loss)                                                                           $        (0.34)   $         0.16
                                                                                                 ==============    ==============

  Weighted average shares - assuming dilution                                                            12,474            12,275
  Store count - average for period                                                                          280               281

  Pro forma results, as if the new accounting principle were in effect for all
periods:
     Net income (loss) as reported                                                               $       (4,201)   $        1,953
     Add back:  goodwill and pawn license amortization, net of tax                                           --               285
     Add back:  amortization of goodwill related to equity investee, net of tax                              --               214
     Add back:  cumulative effect of adopting a new accounting principle, net of tax                      8,037                --
                                                                                                 --------------    --------------
     Adjusted net income                                                                         $        3,836    $        2,452
                                                                                                 --------------    --------------

     Per share amounts - assuming dilution:
         Net income (loss) as reported                                                           $        (0.34)   $         0.16
         Add back:  goodwill and pawn license amortization, net of tax                                       --              0.02
         Add back:  amortization of goodwill related to equity investee, net of tax                          --              0.02
         Add back:  cumulative effect of adopting a new accounting principle, net of tax                   0.65                --
                                                                                                 --------------    --------------
         Adjusted net income                                                                     $         0.31    $         0.20
                                                                                                 ==============    ==============

                                  EZCORP, Inc.
              HIGHLIGHTS OF CONSOLIDATED BALANCE SHEETS (UNAUDITED)
              (in thousands, except per share data and store count)

                                                                  AS OF JUNE 30,
                                                              2003            2002
                                                           ------------   ------------
                                                                    
Assets:
 Current assets:
  Cash and cash equivalents                                $        248   $      1,418
  Pawn loans                                                     48,149         47,648
  Payroll advances                                                3,116          1,784
  Pawn service charges receivable, net                            8,806          8,253
  Payroll advance service charges receivable, net                   611            382
  Inventory, net                                                 28,853         32,634
  Deferred tax asset                                              6,418          6,434
  Federal income taxes receivable                                   683             --
  Prepaid expenses and other assets                               2,209          2,359
                                                           ------------   ------------
    Total current assets                                         99,093        100,912
Investment in unconsolidated affiliates                          15,113         13,932
Property and equipment, net                                      27,141         34,214
Deferred tax asset, non-current                                   1,948             --
Other assets                                                      5,348         16,252
                                                           ------------   ------------
    Total assets                                           $    148,643   $    165,310
                                                           ============   ============
Liabilities and stockholders' equity:
 Current liabilities:
  Current maturities of long-term debt                     $         --   $     43,445
  Accounts payable and other accrued expenses                     9,186         10,666
  Customer layaway deposits                                       1,471          1,811
                                                           ------------   ------------
    Total current liabilities                                    10,657         55,922
Long-term debt, less current maturities                          33,000             --
Deferred tax liability                                               --          1,193
Deferred gains and other long-term liabilities                    4,408          4,200
                                                           ------------   ------------
    Total long-term liabilities                                  37,408          5,393
Total stockholders' equity                                      100,578        103,995
                                                           ------------   ------------
    Total liabilities and stockholders' equity             $    148,643   $    165,310
                                                           ============   ============

Pawn loan balance per ending store                         $        172   $        170
Inventory per ending store                                 $        103   $        117
Book value per share                                       $       8.25   $       8.55
Tangible book value per share                              $       8.03   $       7.41
Store count - end of period                                         280            280
Basic shares outstanding - end of period                         12,188         12,167