Third Quarter FY16 Conference Call August 10, 2016 Preliminary - PowerPoint PPT Presentation

Third Quarter FY16 Conference Call August 10, 2016

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. 2

Q3FY16 Recap: Continued Momentum in Pawn Businesses 3

Continued Execution On Strategy FOCUSING SIMPLIFYING OPTIMIZING ON APPROACH ACROSS FOR OUR CUSTOMER OUR BUSINESS THE FUTURE  Same Store Pawn Loans Outstanding EZCORP Revenue by Type**  Announced definitive (PLO) increased 10% in U.S. and 19% agreement to sell Grupo Finmart; Other in Mexico close expected by September 1%  Four consecutive quarters of U.S. 30, 2016 Pawn improvement in Same Store PLO  Received commitment for a 84% within U.S. and eight consecutive Mexico $100 million secured credit quarters in Mexico Pawn facility to support business 15%  Investments in customer  Upgrading our training programs engagement and pawn to enhance customer After the sale of Grupo, 99% of • performance: experience EZCORP revenue will be generated – Performance driven incentive  Investments in technology from our U.S. and Mexico pawn plans improving innovation and businesses – Reduced “spans of control” of productivity, reducing costs and Simplifying corporate structure as • field multi-unit managers to allow increasing leverage: business refocuses more coaching & mentoring of – Upgrading POS technology Continued expense management • store team members – Workforce management with corporate costs15% lower in Q3; – Investments in video Mystery shop system to align staffing tracking toward annual corporate program models to customer expense of ~$50m by FY18***  U.S. Net Promoter Score increased to demand 46 points from 39 points and Mexico – Three year store improved to 50 from 48 refurbishment program Figures in the heading of this slide are on a GAAP basis. Unless otherwise noted, all financial information included in this presentation is presented on an • “adjusted basis,” which includes presentation of amounts on a constant currency basis; excludes discontinued Mexico buy/sell business; and certain other discrete items. See the Appendix for a reconciliation to the comparable GAAP information. ** Assuming completion of Grupo Finmart sale 4 • • ***”Corporate expense” in this presentation refers to the “Administrative” line in SEC quarterly reports.

Leverage on Operations with Net Revenue Up $6.6 million to $100 million, and Income From Continuing Operations Before Taxes Up $7.6 million to $3.8 million EZCORP GAAP Results Commitment to customer experience driving improved Net Revenue and higher Profit Before Tax with improved same store metrics in Q3 : – Pawn Loans Outstanding (PLO) up 9% – Pawn Service Charges (PSC) up 8% – Merchandise Sales Gross Profit up 8% YTD total revenue driven by $11m improvement in PSC Revenue offset by lower Scrap Sales of $14m et Re Negative FX impact of $14m on revenue and $8m on net revenue Efficiently managing the business, leveraging a 7% growth in Net Revenue to a 200% increase in Profit Before Tax YTD corporate expense increase primarily due to restatement costs of $4.2m * Represents an increase or decrease in excess of 1500% or not meaningful 5

Strong Corporate Performance Driven By Continued Momentum In Pawn Operations EZCORP Continuing Operations Adjusted Results (Excludes Grupo Finmart)** Net Revenue increase with strong same store metrics in Q3 : PLO increased 11% • PSC revenue increased 10% • Merchandise sales gross profit increased • 10% et Re Corporate expense reduced by $2.4m, or 15% EBITDA percentage increase in Q3 and YTD higher than net revenue growth, evidenced by strong operational leverage * Represents an increase or decrease in excess of 1500% or not meaningful ** Adjusted for restructuring and restatement charges, other discrete items and constant currency. Mexico Pawn excludes closed 6 buy/sell businesses. See GAAP to non-GAAP reconciliation

Serving and Satisfying Customers’ Desire for Access to Cash Is Fueling Performance U.S. Pawn Strategic Plan Announcement Encouraging results in early stages of our three-year strategic plan • Continued focus on customer experience has led to double-digit same store PLO growth in Q3, driving a $4.8M or 10% increase in PSC, the largest component of net revenue • Merchandise gross profit increase reflects ongoing improvements in loan valuation and pricing disciplines • Continued improvement in aged inventory reduced to 9% • EZCORP historically has higher first half net revenue, merchandise gross profit and profitability reflective of seasonal impact of tax refunds to customers, Christmas and Valentines Day 7 Adjusted for discrete items

Earning Assets Drive Profitable Growth U.S. Pawn Q3FY16 ASSETS INCOME STATEMENT SAME SAME STORE STORE UP UP 8% Pawn Loans 10% Pawn Service Outstanding Charges Total Total Up 10% Up 13% to $54m to $144m PLO Yield 164% Purchases PROFIT BEFORE NET REVENUE TOTAL EXPENSES = + + - = TAX Up 9% to $86m Up 5% to $66m Up 25% to $20m Forfeitures Merch & Scrap SAME STORE Gross Profit Total UP 6% SAME Up 8% STORE Inventory UP 16% to $31m Total Up 18% Merch margin to $113m to 37% from 35% Continued growth in U.S. pawn, same store PLO Pawn loan forfeitures increased proportional to increase in • • up 10% PLO, resulted in growth in inventory during period of lower sales demand; resulted in: Redemption rate consistent at 85% • - Inventory turns to 2.2x from 2.4x PLO yield of 164%, compared to 167% in FY15 and • - Inventory yield of 113% compared to 120% last year 164% in FY14 - Return on Earnings Assets of 141% compared to 146% last year Adjusted for restructuring charges and other discrete items . See GAAP to non-GAAP reconciliation. 8 All comparisons unless stated are Q3FY16 relative to Q3FY15.

Serving and Satisfying Customers’ Desire for Access to Cash Is Fueling Performance Mexico Pawn 1 $ • Continued focus on customer experience has led to eight consecutive quarters of double-digit PLO growth • Strong PLO growth resulted in 20% growth in PSC • Continued strong merchandise gross profit up 48% and margin expansion up 600bps to 33% driven by discipline in pawn loan valuation, retail pricing cadences, and lower aged inventory levels Adjusted for discrete items and constant currency and excludes Mexico buy/sell business 9

Significant Profitable Growth Mexico Pawn Q3FY16 ASSETS INCOME STATEMENT SAME SAME STORE UP Pawn Loans STORE 19% Pawn Service UP 20% Outstanding Charges Total Total Up 20% Up 19% to $9.5m to $19m PLO Yield 194% Purchases PROFIT BEFORE NET REVENUE TOTAL EXPENSES + = - = + TAX Up 28% to $15m Up 1% to $11m Up 237% to $4m Forfeitures Merch & Scrap SAME STORE Gross Profit Total SAME UP 45% Inventory STORE Up 48% Total UP 21% to $5.5m Up 21% to $20m Merch margin to 33% from 27% Continued growth in Mexico Pawn, same Store PLO up Inventory yield increased to 110% from 90% • • 19% Inventory turns of 2.3x from 2.7x last year driven by • Redemption rate increased to 77% from 76% clearing of aged merchandise in prior year • PLO yield unchanged at 194% Return on earning assets grew to 152% from 142% • • Adjusted for restructuring charges , other discrete items , and constant currency. See GAAP to non-GAAP reconciliation. 10 All comparisons unless stated are Q3FY16 relative to Q3FY15.