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):
                                 APRIL 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 April 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 April 22, 2003, EZCORP, Inc. issued a press release announcing its results of
operations and financial condition for the three and six-month periods ended
March 31, 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: April 22, 2003                By: /s/ Daniel N. Tonissen
                                        ---------------------------------------
                                        (Signature)
                                        Senior Vice President, Chief Financial
                                        Officer, and Director

                                  EXHIBIT INDEX

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

                                                                      EXHIBIT 99

            EZCORP ANNOUNCES 37% INCREASE IN SECOND QUARTER EARNINGS

AUSTIN, Texas (April 22, 2003) -- EZCORP, Inc. (Nasdaq/NM: EZPW) announced today
results for its second fiscal 2003 quarter and the six month period, which ended
March 31, 2003.

For the three months ended March 31, 2003, net income increased 37% to
$1,498,000 ($0.12 per share) compared to $1,094,000 ($0.09 per share) for the
comparable prior year period. These earnings are above the Company's publicly
announced estimate of $0.09 to $0.11 per share for this period. Total revenues
for the three month period increased 12% to $53,022,000.

For the six months ended March 31, 2003, income before the cumulative effect of
an accounting change increased 53% to $3,783,000 ($0.30 per share) compared to
$2,466,000 ($0.20 per share) for the comparable prior year period. Total
revenues for the six month period increased 4% to $106,221,000. 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
$4,254,000 for the six month period.

Commenting on these results, Joseph L. Rotunda, President and Chief Executive
Officer, said, "We are pleased with our earnings and results for the quarter.
Our business is comprised of three primary segments: pawn lending, payroll
advance loans and selling merchandise which is comprised primarily of forfeited
collateral. Each made a substantial contribution to our earnings performance.
Our pawn service charge revenues increased 3% year over year while our average
pawn loan balance was unchanged. Our payroll advance product continues to
develop with year over year service charge increases of $1.1 million and an
incremental contribution of approximately $0.8 million. As we expected, our
sales were especially strong with same store sales up 8% for the quarter,
largely due to the changes made to our layaway program. Gross profit on
merchandise sales increased approximately $0.5 million."

Mr. Rotunda continued, "While our operating results confirm that we are on track
with our plans to significantly improve earnings, our results also have
contributed to a stronger balance sheet. During the last twelve months we have
reduced our total debt, primarily from operating cash flows, by approximately
$9.4 million to $28.0 million."

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
third quarter, the Company estimates earnings to be between a loss of $0.02 and
$0.00 per share compared to a loss of $0.04 per share for the fiscal 2002 third
quarter. Seasonally, the Company's third quarter earnings are expected to be the
weakest of the quarters due to lower sales levels and lower average loan
balances.

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 March 31, 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 April
22, 2003 at 10:00am Central Time. The conference call can be accessed over the
Internet (or replay it at your convenience) at the following address.

http://www.firstcallevents.com/service/ajwz377376791gf12.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 MARCH 31,
                                                                                               ------------------------------
                                                                                                   2003              2002
                                                                                               ------------      ------------

Total revenues                                                                                 $     53,022      $     47,481
Cost of goods sold                                                                                   22,672            19,820
                                                                                               ------------      ------------
Net revenues                                                                                         30,350            27,661
Operating expenses                                                                                   25,807            22,666
                                                                                               ------------      ------------
    Operating income before depreciation and amortization                                             4,543             4,995
Depreciation and amortization                                                                         2,192             2,532
                                                                                               ------------      ------------
    Operating income                                                                                  2,351             2,463
Interest expense, net                                                                                   474               996
Equity in net income of unconsolidated affiliate                                                       (427)             (248)
Gain on sale of assets                                                                                   --               (22)
                                                                                               ------------      ------------
Income before income taxes                                                                            2,304             1,737
Income tax expense                                                                                      806               643
                                                                                               ------------      ------------
Income before cumulative effect of a change in accounting principle                            $      1,498      $      1,094
Cumulative effect of adopting a new accounting principle, net of tax                                     --                --
                                                                                               ------------      ------------
Net income (loss)                                                                              $      1,498      $      1,094
                                                                                               ============      ============

Income (loss) per share, assuming dilution:
     Income before cumulative effect of a change in accounting principle                       $       0.12      $       0.09
     Cumulative effect of adopting a new accounting principle, net of tax                                --                --
                                                                                               ------------      ------------
     Net income (loss)                                                                         $       0.12      $       0.09
                                                                                               ============      ============

Weighted average shares - assuming dilution                                                          12,513            12,276
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                                                             $      1,498      $      1,094
     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                                                                       $      1,498      $      1,260
                                                                                               ============      ============

     Per share amounts - assuming dilution:
         Net income (loss) as reported                                                         $       0.12      $       0.09
         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                                                                   $       0.12      $       0.10
                                                                                               ============      ============

                                  EZCORP, INC.
         Highlights of Consolidated Statement of Operations (Unaudited)
              (in thousands, except per share data and store count)

                                                                                                 SIX MONTHS ENDED MARCH 31,
                                                                                               ------------------------------
                                                                                                   2003              2002
                                                                                               ------------      ------------

Total revenues                                                                                 $    106,221      $    102,063
Cost of goods sold                                                                                   43,992            42,990
                                                                                               ------------      ------------
Net revenues                                                                                         62,229            59,073
Operating expenses                                                                                   51,549            47,468
                                                                                               ------------      ------------
    Operating income before depreciation and amortization                                            10,680            11,605
Depreciation and amortization                                                                         4,459             5,130
                                                                                               ------------      ------------
    Operating income                                                                                  6,221             6,475
Interest expense, net                                                                                 1,131             2,739
Equity in net income of unconsolidated affiliate                                                       (730)             (312)
Loss on sale of assets                                                                                   --               133
                                                                                               ------------      ------------
Income before income taxes                                                                            5,820             3,915
Income tax expense                                                                                    2,037             1,449
                                                                                               ------------      ------------
Income before cumulative effect of a change in accounting principle                            $      3,783      $      2,466
Cumulative effect of adopting a new accounting principle, net of tax                                 (8,037)               --
                                                                                               ------------      ------------
Net income (loss)                                                                              $     (4,254)     $      2,466
                                                                                               ============      ============

Income (loss) per share, assuming dilution:
     Income before cumulative effect of a change in accounting principle                       $       0.30      $       0.20
     Cumulative effect of adopting a new accounting principle, net of tax                             (0.64)               --
                                                                                               ------------      ------------
     Net income (loss)                                                                         $      (0.34)     $       0.20
                                                                                               ============      ============

Weighted average shares - assuming dilution                                                          12,438            12,174
Store count - average for period                                                                        280               282

Pro forma results, as if the new accounting principle were in effect for all
periods:
     Net income (loss) as reported                                                             $     (4,254)     $      2,466
     Add back: goodwill and pawn license amortization, net of tax                                        --               190
     Add back: amortization of goodwill related to equity investee, net of tax                           --               143
     Add back: cumulative effect of adopting a new accounting principle, net of tax                   8,037                --
                                                                                               ------------      ------------
     Adjusted net income                                                                       $      3,783      $      2,799
                                                                                               ============      ============

     Per share amounts - assuming dilution:
         Net income (loss) as reported                                                         $      (0.34)     $       0.20
         Add back: goodwill and pawn license amortization, net of tax                                    --              0.02
         Add back: amortization of goodwill related to equity investee, net of tax                       --              0.01
         Add back: cumulative effect of adopting a new accounting principle, net of tax                0.64                --
                                                                                               ------------      ------------
         Adjusted net income                                                                   $       0.30      $       0.23
                                                                                               ============      ============

                                  EZCORP, INC.
              Highlights of Consolidated Balance Sheets (Unaudited)
              (in thousands, except per share data and store count)

                                                              AS OF MARCH 31,
                                                           2003             2002
                                                       ------------     ------------
                                                                  
Assets:
Current assets:
Cash and cash equivalents                              $      3,386     $      1,224
Pawn loans                                                   41,218           40,152
Payroll advances                                              2,253            1,096
Pawn service charges receivable, net                          7,966            7,951
Payroll advance service charges receivable, net                 442              236
Inventory, net                                               29,535           31,331
Deferred tax asset                                            6,418            6,105
Prepaid expenses and other assets                             2,456            2,044
                                                       ------------     ------------
    Total current assets                                     93,674           90,139
Investment in unconsolidated affiliates                      15,124           14,066
Property and equipment, net                                  28,659           37,725
Deferred tax asset, non-current                               1,948               --
Other assets                                                  5,477           16,504
                                                       ------------     ------------
Total assets                                           $    144,882     $    158,434
                                                       ============     ============
Liabilities and stockholders' equity:
Current liabilities:
Current maturities of long-term debt                   $         --     $     37,445
Accounts payable and other accrued expenses                  10,027            9,279
Restructuring reserve                                             3               93
Customer layaway deposits                                     1,731            2,005
Federal income taxes payable                                    443               --
                                                       ------------     ------------
    Total current liabilities                                12,204           48,822
Long-term debt, less current maturities                      28,000               --
Deferred tax liability                                           --            1,193
Deferred gains and other long-term liabilities                4,019            3,871
                                                       ------------     ------------
    Total long-term liabilities                              32,019            5,064
Total stockholders' equity                                  100,659          104,548
                                                       ------------     ------------
Total liabilities and stockholders' equity             $    144,882     $    158,434
                                                       ============     ============

Pawn loan balance per ending store                     $        147     $        143
Inventory per ending store                             $        105     $        112
Book value per share                                   $       8.26     $       8.62
Tangible book value per share                          $       8.03     $       7.46
Store count - end of period                                     280              280
Basic shares outstanding - end of period                     12,188           12,128