EZCORP, Inc. (NASDAQ:EZPW) Q4 2024 Earnings Conference Call November 14, 2024 9:00 AM ET

Company Participants

Sean Mansouri – Elevate IR
Lachie Given – CEO
Tim Jugmans – CFO

Conference Call Participants

John Hecht – Jefferies
Brian McNamara – Canaccord Genuity
Kyle Joseph – Stephens
Andrew Scutt – ROTH Capital Partners

Operator

Good morning, ladies and gentlemen, and welcome to the EZCORP Fiscal Fourth Quarter and Full Year 2024 Earnings Call. At this time, all participants are in a listen-only mode. Later we will conduct a question-and-answer session and instructions will follow at that time. As a reminder, this call may be recorded.

I’d now like to turn the conference over to Sean Mansouri, the company’s Investor Relations Adviser with Elevate IR. Please go ahead, Sean.

Sean Mansouri

Thank you and good morning everyone. During our prepared remarks, we will refer to slides which are available for viewing or download from our website at investors.ezcorp.com.

Before we begin, I’d like to remind everyone that this conference call as well as the presentation slides contain certain forward-looking statements regarding the company’s expected operating and financial performance for future periods. These statements are based on the company’s current expectations.

Actual results for future periods may differ materially from those expressed due to a number of risks or other factors that are discussed in our annual, quarterly, and other reports filed with the Securities and Exchange Commission.

And as noted in our presentation materials and unless otherwise identified, results are presented on an adjusted basis to remove the effect of foreign currency fluctuations and other discrete items.

Joining us on the call today are EZCORP’s Chief Executive Officer; Lachie Given; and Tim Jugmans, Chief Financial Officer.

Now, I’ll turn the call over to Lachie.

Lachie Given

Thanks Sean and good morning everyone. Today, I’d like

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