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Earnings per Share | 6 Months Ended
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Mar. 31, 2025
Earnings Per Share [Abstract] |
Earnings per Share | NOTE 3: EARNINGS PER SHARE The following table reconciles the number of common shares used to compute basic and diluted earnings per share attributable to EZCORP Inc., shareholders:
|  |  | Three Months Ended March 31, |  | Six Months Ended March 31,
(in thousands, except per share amounts) |  |  |  |  | 2025 |  | 2024 |  | 2025 |  | 2024
Basic earnings per common share: |  |  |  |  |  |  |  |  |  |  |
Net income - basic |  |  |  |  | $ | 25,390 |  |  | $ | 21,479 |  |  | $ | 56,406 |  |  | $ | 49,949 |
Weighted shares outstanding - basic |  |  |  |  | 54,965 |  |  | 55,093 |  |  | 54,895 |  |  | 55,084 |
Basic earnings per common share |  |  |  |  | $ | 0.46 |  |  | $ | 0.39 |  |  | $ | 1.03 |  |  | $ | 0.91 |
Diluted earnings per common share: |  |  |  |  |  |  |  |  |  |  |
Net income - basic |  |  |  |  | $ | 25,390 |  |  | $ | 21,479 |  |  | $ | 56,406 |  |  | $ | 49,949 |
Add: Convertible Notes interest expense, net of tax* |  |  |  |  | 2,405 |  |  | 2,415 |  |  | 4,844 |  |  | 5,074 |
Net income - diluted |  |  |  |  | $ | 27,795 |  |  | $ | 23,894 |  |  | $ | 61,250 |  |  | $ | 55,023 |
Weighted shares outstanding - basic |  |  |  |  | 54,965 |  |  | 55,093 |  |  | 54,895 |  |  | 55,084 |
Equity-based compensation awards - effect of dilution** |  |  |  |  | 1,196 |  |  | 974 |  |  | 1,373 |  |  | 1,156 |
Convertible Notes - effect of dilution*** |  |  |  |  | 26,979 |  |  | 26,978 |  |  | 26,979 |  |  | 28,708 |
Weighted shares outstanding - diluted |  |  |  |  | 83,140 |  |  | 83,045 |  |  | 83,247 |  |  | 84,948 |
Diluted earnings per common share |  |  |  |  | $ | 0.33 |  |  | $ | 0.29 |  |  | $ | 0.74 |  |  | $ | 0.65 |
Potential common shares excluded from the calculation of diluted earnings per common share above: |  |  |  |  |  |  |  |  |  |  |
Restricted stock**** |  |  |  |  | 1,424 |  |  | 1,676 |  |  | 1,433 |  |  | 1,673 |
Total |  |  |  |  | 1,424 |  |  | 1,676 |  |  | 1,433 |  |  | 1,673 |
* The Company’s debt (collectively, the “Convertible Notes”) includes the 2.375% Convertible Senior Notes Due 2025 (the “2025 Convertible Notes”), the 3.750% Convertible Senior Notes Due 2029 (the “2029 Convertible Notes”) and the six months ended March 31, 2024 also includes the 2.875% Convertible Senior Notes Due 2024 (the “2024 Convertible Notes”). Effective January 1, 2024, we were required to combination settle the 2024 Convertible Notes. As such, no interest expense is included for the three months ended March 31, 2024 and only the first quarter of 2024 interest expense is included for the six months ended March 31, 2024. See Note 7: Debt for conversion price, initial conversion rate and additional information. ** Includes time-based share-based awards and performance-based awards for which targets for fiscal year tranches have been achieved and vesting is subject only to achievement of service conditions. *** As we were required to combination settle the 2024 Convertible Notes effective January 1, 2024, the 3.4 million principal shares are not included for the three months ended March 31, 2024 and only the weighted average shares of 1.7 million are included for the six months ended March 31, 2024. Additionally, no potential common shares related to the accreted value of the 2024 Convertible Notes are included for the three or six months ended March 31, 2024 as the average market rate was not above the initial conversion price of $10.00 per share for the noted reporting periods. See Note 7: Debt for conversion price, initial conversion rate and additional information on the 2024 Convertible Notes, 2025 Convertible Notes, and 2029 Convertible Notes. **** Includes antidilutive share-based awards as well as performance-based share-based awards that are contingently issuable, but for which the condition for issuance has not been met as of the end of the reporting period.

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