Ezcorp Inc.

The increase was due primarily to $300.0 million (less issuance costs) from the issuance of the Senior Notes due 2032 offset by an increase in earning assets.

SEC original ↗Ezcorp Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025

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.

SEC original ↗Ezcorp Inc. — 10-Q Quarterly report10-QAug 5, 2026

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.

SEC original ↗Ezcorp Inc. — 10-Q Quarterly report10-QAug 5, 2026

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.

SEC original ↗Ezcorp Inc. — 10-Q Quarterly report10-QAug 5, 2026

The cash outflow is presented within Payments of debt on the Condensed Consolidated Statements of Cash Flows.

SEC original ↗Ezcorp Inc. — 10-Q Quarterly report10-QAug 5, 2026

The three and nine months ended June 30, 2025 also includes the 2.375 % Convertible Senior Notes Due 2025 (the 2025 Convertible Notes ), which were settled in a combination of cash and shares during the three months ended June 30, 2025.

SEC original ↗Ezcorp Inc. — 10-Q Quarterly report10-QAug 5, 2026

We continue to focus on strategic expansion to scale our business, as well as exceptional operating performance across geographies.

SEC original ↗Ezcorp Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Our recently strengthened balance sheet with $472 million in liquidity enables us to fund accelerated growth, organically and through strategic acquisitions.

SEC original ↗Ezcorp Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Looking ahead, we remain highly focused on disciplined capital allocation, operational excellence, and delivering long-term value for our shareholders.

SEC original ↗Ezcorp Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025

We are dedicated to satisfying the short-term cash needs of consumers who are both cash and credit constrained, focusing on an industry-leading customer experience.

SEC original ↗Ezcorp Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025

com company ezcorp FORWARD LOOKING STATEMENTS This announcement contains certain forward-looking statements regarding the Company s strategy, initiatives and expected performance.

SEC original ↗Ezcorp Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Actual results for future periods may differ materially from those expressed or implied by these forward-looking statements due to a number of uncertainties and other factors, including operating risks, liquidity risks, legislative or regulatory developments, market factors, current or future litigation and risks associated with the COVID-19 pandemic.

SEC original ↗Ezcorp Inc. — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Legal Proceedings 40 Item 1A.

SEC original ↗Ezcorp Inc. — 10-Q Quarterly report10-QAug 5, 2026

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.

SEC original ↗Ezcorp Inc. — 10-Q Quarterly report10-QAug 5, 2026

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 877,006 15.79 Released ( 1,223,562 ) 9.26 Cancelled ( 24,635 ) 12.06 Outstanding as of June 30, 2026 1,950,649 $ 11.68 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.

SEC original ↗Ezcorp Inc. — 10-Q Quarterly report10-QAug 5, 2026