Successful Execution of Business Transformation Driving Sustainable - PowerPoint PPT Presentation

Successful Execution of Business Transformation Driving Sustainable Growth Fourth Quarter and Full-Year Fiscal 2017 Conference Call November 16, 2017

Preliminary Statements Forward Looking Statements This document contains certain forward-looking statements. These statements are based on the company’s current expectations as to the outcome and timing of future events. All statements, other than statements of historical facts, that address activities or results that the company plans, expects, believes, projects, estimates or anticipates will, should or may occur in the future are forward-looking statements. 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 and current or future litigation. For a discussion of these and other factors affecting the company’s business and prospects, see the company’s annual, quarterly and other reports filed with the Securities and Exchange Commission. The company undertakes no obligation to update or revise forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time. Other Information This information should be read in conjunction with, and not in lieu of, the company’s annual, quarterly and other reports filed with the Securities and Exchange Commission. Those reports contain important information about the company’s business and performance, including financial statements prepared in accordance with U.S. generally accepted accounting principles, as well as a description of the important risk factors that may materially and adversely affect our business, financial condition or results of operations. All market comparisons are based on available information from similar publicly traded companies. 2

Fiscal Year 2017 Highlights Key Messages – Growth Potential Being Realized 1 • Same Store PLO up 3%; led the market in eight consecutive quarters U.S. Pawn leading • PLO per store unadjusted of $289k; led the market in five consecutive quarters the market • U.S. Pawn is 83% of total pawn profit before tax in Q4FY17 • Same Store PLO up 11%; 13 consecutive double-digit quarters 2 • Profit growth up 80% CAGR in two-year period ended FY17 Mexico Pawn is fastest • 10 new stores in FY17; significant runway for complementary acquisitions growing segment and additional store openings • Mexico Pawn is now 17% of total pawn profit before tax in Q4FY17 3 • Acquired 112 pawn stores in four new countries in Latin America Geographic in October 2017 diversification and • Larger scale with 41% of total pawn stores now in Latin America, a significant growth high growth market potential in Latin America • Compelling growth potential, significant runway for store openings and complementary acquisition opportunities in Latin America 4 • Focus on disciplined execution and expense control driving operating leverage Strong earnings growth and – GAAP EPS up $0.52 in Q4 and up $0.77 to $0.62 in FY17 improved liquidity – Adjusted EBITDA up 39%, or $24.6m, to $88.5m in FY17 • Tracking toward annual corporate expense of $50m in FY18 • Strong balance sheet with cash balance up 150% to $164m Amounts in this presentation are continuing operations only and comparisons are Q4FY17 relative to same period in prior year unless stated. Amounts in this slide are adjusted for estimated impact of natural disasters in Q4FY17, restructuring and restatement charges, other discrete items and constant currency. Mexico Pawn excludes closed buy/sell businesses. Mexico PLO balance both increased and decreased over the same period on a GAAP basis. 3 See “EZCORP GAAP Results” and “GAAP to Non -GAAP Reconciliation .”

Market Leading U.S. Same Store PLO Growth With Strong Operating Leverage U.S. PAWN Strong Same Store PLO growth and EZCORP achieved eight consecutive quarters of market expense control driving U.S. operating leverage leading U.S. Pawn Same Store PLO growth YOY EZCORP Net Revenue and Profit Before Tax Same Store PLO Growth Two-Year Stacked YOY Growth YOY Growth EZCORP FirstCash Amounts in this slide are adjusted for estimated impact of natural disasters in Q4FY17, restructuring and restatement charges, and other discrete items. See “EZCORP GAAP Results” and “GAAP to Non - GAAP Reconciliation.” Weighted average based on available information from each company’s public filings. This information may be determined or calculated d ifferently 4 by companies, limiting the usefulness of these measures for comparative purposes.

Significant Compound PLO Growth Drives Profit MEXICO PAWN Significant Same Store PLO growth and EZCORP achieved 13 consecutive quarters of Mexico expense control driving Mexico operating leverage Pawn double-digit Same Store PLO growth YOY EZCORP Net Revenue and Profit Before Tax Same Store PLO Growth YOY Growth Two-Year Stacked YOY Growth EZCORP FirstCash Amounts in this slide are adjusted for discrete items and constant currency. Excludes closed Mexico buy/sell business. Mexico PLO balance both increased and decreased over the same period on a GAAP basis. See “EZCORP GAAP Results” and “GAAP to Non - GAAP Reconciliation.” Weighted average based on available information from each company’s public filings. This information may be determined or calculated d ifferently by companies, limiting the usefulness of these measures for comparative purposes. * Excludes $0.5m looting expense; the impact of looting in 12 stores in January 2017 reduced revenue through stolen pawn loan collateral and 5 inventory effecting PSC and sales in addition to $0.5m in expenses.

Outstanding EBITDA Growth Proven Pawn Expertise and Market Leading Same Store PLO Growth and Disciplined Execution Driving Expense Control Driving U.S. EBITDA Growth Outstanding Results in Growth Market EBITDA Growth EBITDA Mexico Pawn EBITDA Consolidated EBITDA U.S. Pawn $116.5 $113.5 $106.7 $88.5 $63.9 $48.2 $20.6 $15.7 $9.4 FY15 FY16 FY17 FY15 FY16 FY17 FY15 FY16 FY17 EBITDA/Net EBITDA/Net EBITDA/Net 23% 30% 35% 12% 15% 23% 31% 31% 31% Revenue Margin Revenue Margin Revenue Margin # of Pawn Stores 232 239 246 # of Pawn Stores 522 520 513 Geographic Diversification and Significant Growth Potential in Latin America EZCORP Pawn Store Count 10/6/17 Mexico Pawn 41% of EZCORP total pawn stores are in Latin America as of October 6, 2017 28% including Mexico, Guatemala, El Salvador, Honduras, and Peru Acquired GPMX U.S. Pawn Pawn 59% Stores 13% On October 6, 2017, EZCORP acquired 112 stores in four countries in Latin America Amounts in this slide are adjusted for estimated impact of natural disasters in Q4FY17, restructuring and restatement charges, other discrete items 6 and constant currency. Mexico Pawn excludes closed buy/sell business. See “EZCORP GAAP Results” and “GAAP to Non - GAAP Reconciliation.”

Strong Financial Performance EZCORP GAAP Results U.S. Same Store PLO up 3%* excluding stores Strong performance in Q4 despite impact of natural disasters impacted by hurricanes. The effects of the hurricanes caused an estimated reduction in U.S. Pawn loan balances by ~$5m as of September 30, 2017 Q4 Net Revenue up1%. PSC increase of 5% partially offset by reduced Q4 scrapping Operations expense improved to 72% from 75% of net revenue in Q4 Q4 corporate expense reduction of 34%; on track to $50m corporate expense in FY18 Significant EBITDA growth in Q4 and FY17, up 91% in FY17 to $82.6m Q4 net interest includes $2.3m of discrete items including $5.3m debt extinguishment charge offset by $3m benefit from Grupo notes restructure Seven consecutive quarters of YOY profit growth * U.S. Same Store PLO excludes estimated impact of stores affected by hurricanes in Q4FY17. 7

Continued Strong Profit Growth EZCORP Continuing Operations Adjusted Results* Q4 PSC up 5% partially offset by reduced Q4 jewelry scrapping Consolidated merchandise margin of 36% in Q4, in our target range of 35-38% CCV investment profitable after prior year strategic realignment Operations expense improved to 70% from 74% of net revenue in Q4 Q4 corporate expense reduction of 38%; on track to $50m corporate expense in FY18 Significant EBITDA growth for both the quarter and fiscal year Reduction in net interest expense due to interest income on promissory notes associated with Grupo Finmart sale Seven consecutive quarters of YOY profit growth *Adjusted for estimated impact of natural disasters in Q4FY17, restructuring and restatement charges, other discrete items and constant currency. 8 Mexico Pawn excludes closed buy/sell businesses. See “EZCORP GAAP Results” and “GAAP to Non - GAAP Reconciliation.”