EZCORP, Inc.

Good morning, ladies. Welcome to the EZCORP third quarter fiscal 2026 earnings call. At this time, all participants are in 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 advisor with Elevate IR. Please go ahead, Sean.

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.ezycorp.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. As noted in our presentation materials and otherwise identified, results are presented on an adjusted basis to remove the effects of foreign currency fluctuations and other discrete items. Joining us on the call today are EZCORP's Chief Executive Officer, Lachlan Given, and Tim Jugmans, Chief Financial Officer. Now I'll turn the call over to Lachlan.

Thank you, Sean, and good morning, everyone. EZCORP delivered another outstanding quarter, one of the strongest quarters in our history. Adjusted EBITDA was up 48% to $65.6 million, and adjusted diluted EPS was up 47% to $0.47. The key highlight for the quarter was the exceptionally strong core porn operating metrics, which normalize out global scraps across all of the markets in which we operate. Core porn revenues grew 24%, core porn gross profit rose 28%, and same-store Corporn growth profit increased 13%. As anticipated, gold prices stabilised and scrap sales and margins declined sequentially, while our earnings momentum and growth continued to build in a meaningful way for all of our shareholders. Core demand for our product remains strong across all of the markets in which we serve. PLO finished the quarter at a record $382 million, up 31%. driven by higher average loan sizes and the addition of new stores. More consumers are also choosing affordable, high-quality, pre-owned goods, so sales and terms remain robust. Latin America was a standout again this quarter. In constant currency, PLO grew 33%, core pawn growth profit rose 31%, and segment EBITDA increased 40%. with margins expanding on both the merchandise and EBITDA lines. We continued to grow our scale in this region during the quarter, extending our market leadership position in Guatemala, where we acquired 33 stores. We also opened nine de novo stores across the region, which represents a very exciting element of our short- and long-term growth story, as our de novos are consistently performing above expectations. We also reached an important milestone with SMG, During the quarter, we acquired the remaining interest in founders and increased our ownership of SMG to 97.4%. In July, shortly after quarter end, we purchased the remaining shares and now own 100% of SMG. Our view on SMG has strengthened as we see considerable opportunity in introducing easy systems, operating disciplines, culture, and capital across the platform. I'll now hand it over to Tim to take you through the financials before returning for closing remarks. Tim?