SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): NOVEMBER 10, 2005 EZCORP, INC. (Exact name of registrant as specified in its charter) DELAWARE 0-19424 74-2540145 (State or other jurisdiction of (Commission File (I.R.S. Employer incorporation) Number) Identification No.) 1901 CAPITAL PARKWAY AUSTIN, TEXAS 78746 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (512) 314-3400 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION This information set forth under "Item 2.02. Results Of Operations And Financial Condition," including the Exhibit attached hereto, shall not be deemed "filed" for purposes of Section 18 of the Securities and Exchange Act of 1934 (the "Exchange Act") or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing. On November 10, 2005, EZCORP, Inc. issued a press release announcing its results of operations and financial condition for the quarter and year ended September 30, 2005. A copy of the press release is attached hereto as Exhibit 99.1. ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS 99.1 Press release dated November 10, 2005, issued by EZCORP, Inc.

SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. EZCORP, INC. (Registrant) Date: November 10, 2005 By: /s/ Daniel N. Tonissen ------------------------------------ (Signature) Senior Vice President, Chief Financial Officer, and Director

EXHIBIT INDEX 99.1 Press release dated November 10, 2005, issued by EZCORP, Inc.

EXHIBIT 99.1 EZCORP ANNOUNCES FISCAL FOURTH QUARTER AND YEAREND RESULTS AUSTIN, TEXAS (NOVEMBER 10, 2005) -- EZCORP, Inc. (Nasdaq: EZPW) announced today results for its fiscal fourth quarter and 2005 fiscal year, which ended September 30, 2005. For the quarter ended September, net income increased 29% to $3,705,000 ($0.27 per share) from $2,873,000 ($0.22 per share) for the 2004 fiscal fourth quarter. Total revenues for the quarter increased 14% to $73,183,000 compared to $64,053,000 for the prior year period. For the twelve month period ended September, net income increased 62% to $14,752,000 ($1.09 per share) from $9,123,000 ($0.70 per share) for fiscal 2004. Total revenues for the fiscal year increased 12% to $254,159,000 from $227,797,000 for fiscal 2004. Commenting on these results, President and Chief Executive Officer, Joe Rotunda, stated, "The fourth quarter is our thirteenth consecutive quarter of year-over-year earnings growth and caps off a very successful year. For the quarter, all elements of our business contributed to our strong performance. Signature loan finance charges and fees, after bad debt & direct transaction expenses, increased 77% from the prior year. Pawn service charges improved 6% from portfolio growth and yield improvement. Gross profit on sales increased 5% as a result of 3% same store sales growth and better jewelry scrapping margins." Rotunda continued, "The results for the quarter are especially strong in light of the challenges we faced due to hurricanes Katrina and Rita and to the conversion of 181 Texas EZMoney stores to a credit services organization, or CSO. As a result of the hurricanes, we lost approximately 500 store days during the quarter. The direct financial impact on the quarter from the hurricanes was approximately $500,000, or just over two cents per share, mainly from lost revenues. In July, we announced the CSO conversion. Included in our results for the quarter is approximately $450,000, or two cents per share, of expenses directly related to this conversion, largely signage, point of purchase materials, and legal expense." Rotunda concluded, "Looking forward to fiscal 2006, we expect to generate earnings per share in the range of $1.45 to $1.50. For our first fiscal 2006 quarter, we expect to generate earnings per share of $0.42 to $0.45. In fiscal 2006, we plan to continue expansion of our EZMoney brand by opening between 115 and 125 new locations." EZCORP is primarily a lender or provider of credit services to individuals who do not have cash resources or access to credit to meet their short-term cash needs. In 280 EZPAWN locations, the Company offers non-recourse loans collateralized by tangible personal property, commonly known as pawn loans. At these locations, the Company also sells merchandise, primarily collateral forfeited from its pawn lending operations, to

consumers looking for good value. In 234 EZMoney locations and 98 EZPAWN locations, the Company offers short-term non-collateralized loans, often referred to as payday loans, or fee based credit services to customers seeking loans. This announcement contains certain forward-looking statements regarding the Company's expected performance for future periods including, but not limited to, new unit growth and expected future earnings. Actual results for these periods may materially differ from these statements. Such forward-looking statements involve risks and uncertainties such as changing market conditions in the overall economy and the industry, consumer demand for the Company's services and merchandise, changes in regulatory environment, and other factors periodically discussed in the Company's annual, quarterly and other reports filed with the Securities and Exchange Commission. You are invited to listen to a conference call discussing these results on November 10, 2005 at 3:30pm Central Time. The conference call can be accessed over the Internet (or replay it at your convenience) at the following address. http://phx.corporate-ir.net/playerlink.zhtml?c=69434&s=wm&e=1157852 For additional information, contact Dan Tonissen at (512) 314-2289.

EZCORP, INC. HIGHLIGHTS OF CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (in thousands, except per share data) - -------------------------------------------------------------------------------- THREE MONTHS ENDED SEPTEMBER 30, --------------------------------------------- 2005 2004 --------------------------------------------- Revenues: Merchandise sales $ 27,538 $ 26,721 Jewelry scrapping sales 13,295 14,040 Pawn service charges 16,201 15,215 Payday loan service charges 2,605 7,750 Credit service fees 13,246 - Other 298 327 --------------------------------------------- Total revenues 73,183 64,053 Cost of goods sold: Cost of merchandise sales 16,162 15,675 Cost of jewelry scrapping sales 10,281 11,397 --------------------------------------------- Total cost of goods sold 26,443 27,072 --------------------------------------------- Net revenues 46,740 36,981 Operations expense 25,492 22,480 Payday loan bad debt and other direct expenses 1,291 3,146 Credit service bad debt and other direct expenses 6,395 - Administrative expense 5,898 4,991 Depreciation and amortization 2,088 1,874 --------------------------------------------- Operating income 5,576 4,490 Interest expense, net 359 375 Equity in net income of unconsolidated affiliate (572) (448 Loss on sale/disposal of assets - 3 --------------------------------------------- Income before income taxes 5,789 4,560 Income tax expense 2,084 1,687 --------------------------------------------- Net income $ 3,705 $ 2,873 ============================================= --------------------------------------------- Net income per share, assuming dilution $ 0.27 $ 0.22 ============================================= Weighted average shares - assuming dilution 13,740 13,083

EZCORP, INC. HIGHLIGHTS OF CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (in thousands, except per share data) - -------------------------------------------------------------------------------- YEAR ENDED SEPTEMBER 30, ---------------------------------- 2005 2004 ---------------------------------- Revenues: Merchandise sales $ 118,951 $ 116,816 Jewelry scrapping sales 29,459 26,656 Pawn service charges 62,274 59,090 Payday loan service charges 28,954 23,874 Credit service fees 13,246 -- Other 1,275 1,361 ---------------------------------- Total revenues 254,159 227,797 Cost of goods sold: Cost of merchandise sales 68,680 67,682 Cost of jewelry scrapping sales 21,998 20,520 ---------------------------------- Total cost of goods sold 90,678 88,202 ---------------------------------- Net revenues 163,481 139,595 Operations expense 95,876 86,862 Payday loan bad debt and other direct expenses 7,808 9,103 Credit service bad debt and other direct expenses 6,395 -- Administrative expense 23,067 21,845 Depreciation and amortization 8,104 7,512 ---------------------------------- Operating income 22,231 14,273 Interest expense, net 1,275 1,528 Equity in net income of unconsolidated affiliate (2,173) (1,739) Loss on sale/disposal of assets 79 3 ---------------------------------- Income before income taxes 23,050 14,481 Income tax expense 8,298 5,358 ---------------------------------- Net income $ 14,752 $ 9,123 ================================== ---------------------------------- Net income per share, assuming dilution $ 1.09 $ 0.70 ================================== Weighted average shares - assuming dilution 13,574 13,122

EZCORP, INC. HIGHLIGHTS OF CONSOLIDATED BALANCE SHEETS (UNAUDITED) (in thousands, except per share data and store counts) - -------------------------------------------------------------------------------- AS OF SEPTEMBER 30, 2005 2004 ---------------------------- Assets: Current assets: Cash and cash equivalents $ 4,168 $ 2,506 Pawn loans 52,864 49,078 Payday loans, net 1,634 7,292 Pawn service charges receivable, net 9,492 8,679 Payday loan service charges receivable, net 272 1,474 Credit service fees receivable, net 3,007 -- Inventory, net 30,293 30,636 Deferred tax asset 10,534 9,711 Prepaid expenses and other assets 1,998 2,321 ---------------------------- Total current assets 114,262 111,697 Investment in unconsolidated affiliate 17,348 16,101 Property and equipment, net 26,964 25,846 Deferred tax asset, non-current 4,012 4,946 Other assets, net 2,862 5,732 ---------------------------- Total assets $165,448 $164,322 ============================ Liabilities and stockholders' equity: Current liabilities: Accounts payable and other accrued expenses $ 18,988 $ 14,947 Customer layaway deposits 1,672 1,645 Federal income taxes payable 648 2,043 ---------------------------- Total current liabilities 21,308 18,635 Long-term debt 7,000 25,000 Deferred gains and other long-term liabilities 3,597 3,958 ---------------------------- Total long-term liabilities 10,597 28,958 Total stockholders' equity 133,543 116,729 ---------------------------- Total liabilities and stockholders' equity $165,448 $164,322 ============================ Pawn loan balance per ending pawn store $ 189 $ 175 Inventory per ending pawn store $ 108 $ 109 Book value per share $ 10.39 $ 9.44 Tangible book value per share $ 10.21 $ 9.23 Pawn store count - end of period 280 280 Mono-line payday loan store count - end of period 234 125 Shares outstanding - end of period 12,859 12,362