The following is a summary of the EZCORP, Inc. (EZPW) Q4 2024 Earnings Call Transcript:
Financial Performance:
Q4 total revenue reached a record $300.9 million, up 11% year-over-year.
EBITDA for Q4 increased by 15% to $36.7 million.
Diluted EPS for Q4 was up 13% to $0.26 per share.PLO increased by 14% year-over-year to a record $279.2 million.
Business Progress:
Expanded store footprint by adding 21 stores in Q4, totaling 1,279 stores across the U.S. and Latin America.
Launched comprehensive training on the fiscal 2025 incentive program structure.
Enhanced scheduling processes in Latin America to support work-life balance.
U.S. online payment collections increased by $6.2 million in Q4.
20 new stores opened in Latin America and one acquired in the U.S.
Opportunities:
Growth driven by record PLO balance and pawn service charges, as well as expanding de novo stores and acquisition opportunities.
Risks:
Cash balance declined to $171 million due to convertible note repayment, PLO and inventory increase, and share repurchases.
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