EZPW · 10-K filed 13 Nov 2025 · year to 30 Sep 2025

EZCORP

29 named things its latest annual report says its results depend on, each in the company's own words. 15 of them are also named by other companies we've read.

Read the filing on SEC.gov ↗

Other companies

Cash Converters International Limited

43.7%named as a risk

We own 43.7% of the outstanding ordinary shares of Cash Converters, which is a publicly traded company based in Australia.Risk factors (Item 1A)

Alpha Holding, S.A. de C.V. (AlphaCredit)

$8.0 millionnamed as a risk

The final payments from AlphaCredit totaling $8.0 million were placed into escrow in 2019 pending resolution of the potential indemnity claim.Risk factors (Item 1A)

2032 Senior Notes

$300.00 millionnamed as a risk

In March 2025, we issued $300.00 million aggregate principal amount of the Company’s 7.375% senior notes due 2032 (the “2032 Senior Notes”).Risk factors (Item 1A)

Simple Management Group, Inc.

named as a risk

Our ability to recover our investments in other companies (such as our indirect investment in Simple Management Group, Inc. and our investment in Rich Data Corporation) is heavily dependent on the success and performance of those companies, including their respective ability to obtain further debt or equity financing.Risk factors (Item 1A)

Rich Data Corporation

named as a risk

Competitors

Mexican government-sponsored non-profit pawn foundations

competes withnamed as a risk

In Mexico, we compete directly with certain pawn stores owned and operated by government affiliated or sponsored non-profit foundations, and the government could take actions that would harm our ability to compete in that market.Risk factors (Item 1A)

Places

Texas

concentrated in · 45%named as a risk

As of September 30, 2025, more than 62% of our U.S. pawn stores were located in Texas (45%) and Florida (17%), and those stores account for a significant portion of our revenues and profitability.Risk factors (Item 1A)

Also named by ABR, AFRM, ALLY, AN, ASO, ASTS, ATO, AXP and 70 more

Florida

concentrated in · 17%named as a risk

Also named by ABR, ALLY, AN, AXP, AZO, BBY, BJ, BRO and 54 more

Mexico

operates in · 622 Mexico pawn storesnamed as a risk

We own and operate a significant number of pawn stores in Latin America (primarily Mexico, but also Guatemala, El Salvador and Honduras).Risk factors (Item 1A)

Also named by AAP, AME, AMRC, ANET, AOS, ARES, AYI, AZO and 83 more

Latin America

earns from · 26% of our consolidated gross profitnamed as a risk

In fiscal 2025, the Latin America stores represented 26% of our consolidated gross profit as the average scale of Latin America pawn stores is smaller than in the U.S.Business (Item 1)

Also named by AMT, DCI, DOW, FLS, MCO, SNEX, SOFI, UBER and 2 more

Guatemala

operates innamed as a risk

We are the second largest for-profit operator in Mexico and the largest operator in Guatemala.Business (Item 1)

Hazards

Hurricanes

concentrated innamed as a risk

We have significant operations located in areas that are susceptible to hurricanes (notably the Atlantic and Gulf Coast regions of Florida, the Gulf Coast regions of Texas including Houston, as well as Mexico and Central America).Risk factors (Item 1A)

Also named by AIG, AN, ASO, BAC, BBY, BJ, BPOP, BRO and 89 more

Earthquakes and volcanoes

operates innamed as a risk

Certain areas of our operations are also susceptible to other types of natural disasters such as earthquakes, volcanoes and tornadoes.Risk factors (Item 1A)

Commodities and inputs

Mexican peso

exposed to its price · $12.1 million increase to stockholders’ equitynamed as a risk

The translation adjustment from Latin America primarily representing the change of the Mexican peso during the fiscal year ended September 30, 2025 was a $12.1 million increase to stockholders’ equity.Market risk (Item 7A)

Also named by AYI, AZO, BAX, CCK, CDRE, CP, DCH, FCFS and 14 more