Ace Cash Express 8-K Ace Cash Express Reports Fiscal 2006 Second Quarter Results

Exhibit 99.1

FOR IMMEDIATE RELEASE

Contacts:
William S. McCalmont 972/753-2314	Douglas Lindsay 972/753-2342
Executive Vice President & CFO	Vice President of Finance
wmccalmont@acecashexpress.com	dlindsay@acecashexpress.com

ACE CASH EXPRESS REPORTS FISCAL 2006 SECOND QUARTER RESULTS

DALLAS (January 26, 2006)— ACE Cash Express, Inc. (NASDAQ:AACE) announced fiscal second quarter 2006 net income of $5.0 million and diluted earnings per share of $0.36, compared to fiscal second quarter 2005 net income of $5.8 million and diluted earnings per share of $0.42. During the fiscal second quarter of 2006, ACE’s total revenue increased 12 percent to $72.3 million from $64.7 million in the prior year period, due primarily to a 13 percent increase in check cashing fees, an 8 percent increase in loan fees and interest, and a 23 percent increase in bill payment and prepaid debit card services.

Comparable store revenues increased 4.2 percent compared to the prior year period. Loan fees and interest increased 2.9 percent, and in states not impacted by the revised FDIC Guidelines for PayDay Lending, increased by 8.0 percent. Check fees increased by 2.4 percent.

“We remain confident in our long-term disciplined growth strategy of de novo store development complemented by opportunistic acquisitions and the introduction of new products and services. We continue to believe that there are increased consumer and financial performance benefits related to offering our customers a full suite of financial products in an expanding network of stores,” said Jay B. Shipowitz, President and Chief Executive Officer.

Among ACE’s accomplishments during the fiscal second quarter 2006 were:

• The total ACE store network, including franchised stores, had a second quarter record 10.7 million customer visits and processed approximately $2.7 billion in transactions.

• Comparable store sales for company-owned stores increased 4.2 percent compared to the second quarter of fiscal 2005.

• ACE company-owned stores cashed over 3.6 million checks, with a face value of approximately $1.4 billion, resulting in check-cashing fees for the quarter of $33.0 million, up 13 percent from $29.2 million in the second quarter of fiscal 2005. Comparable store check cashing fees increased 2.4 percent compared to the prior year.

• ACE company-owned stores processed over 600,000 loan transactions, disbursed over $179 million in loan proceeds and generated interest income and fees of $26.5 million. Comparable store loan fees in company-owned stores increased 2.9 percent over the prior year’s second quarter, and in states not impacted by the FDIC Revised Guidelines, increased by 8.0 percent.

• ACE company-owned stores processed over 2.0 million bill payment and debit card transactions, producing a revenue increase of 23 percent, to $6.1 million, from $4.9 million in the prior year period.

• ACE company-owned stores sold approximately 65,000 prepaid debit cards in the second quarter of fiscal 2006, an increase of 48 percent over the prior year’s fiscal second quarter.

“With over 1,500 locations and a diversified product and service offering, we believe ACE has developed a unique network serving the financial services needs of our customers,” commented Mr. Shipowitz. “We are continuing to leverage our network to offer new products and services such as the VISAâ and MASTERCARDâ prepaid cards, payroll cards, an enhanced ACE loyalty card, and the ability to access money on a stored value card.”

Results for the Six Months Ended December 31, 2005
For the first six months of fiscal 2006, ACE’s total revenue increased 9 percent, to $138.5 million, from $126.8 million in the first six months of fiscal 2005. Net income decreased 28 percent, to $7.9 million compared with $10.9 million in the prior year period, resulting in a decline in diluted earnings per share of 27 percent, to $0.57 per diluted share from $0.78 cents per diluted share in the prior year period. Net income for the first six months of fiscal 2006 includes an after-tax charge of $1.0 million related to losses from Hurricane Katrina. Comparable store sales increased by 3.2 percent during the first six months of fiscal 2006 compared to the first six months of fiscal 2005 as a result of continued strength in loan fees and bill payment services.

Acquisition of Popular Cash Express Stores
On November 30, 2005, ACE completed the acquisition of 107 stores owned and operated by Popular Cash Express for $33.6 million. In connection with this acquisition, ACE issued a $19.4 million convertible note to the seller with an interest rate of 3.625% convertible into shares of ACE’s common stock at a conversion price of $26.77 per share. ACE plans to invest approximately $5 million of capital improvements in the acquired stores during the next 24 months.

Store Openings
ACE reached the 1,500^th retail store milestone during the fiscal second quarter of 2006. For the quarter, the Company opened 25 company-owned stores, including 12 ACE Cash Express stores and 13 ACE Cash Advance stores, and acquired 116 stores, including the 107 Popular Cash Express locations. ACE franchisees also opened an additional 7 stores during the quarter. ACE ended the quarter with 1,301 company-owned stores, 219 franchised stores and a total network of 1,520 stores.

Fiscal 2006 Business Guidance
The statements in the bullet points below are the Company’s outlook or forecast for the Company’s business for the third quarter ending March 31, 2006 and the fiscal year ending June 30, 2006. These statements are made only as of January 26, 2006 and indicate only the expectations of the Company’s management as of that date. These statements supersede any and all previous statements made by the Company regarding the matters addressed. These statements are “forward-looking statements,” cannot be guaranteed and may prove to be wrong.

• The Company expects to open 20 to 30 additional ACE Cash Express stores in the next two quarters for a total of 50 to 60 stores in fiscal 2006.

• The Company expects to open 26 to 36 additional ACE Cash Advance stores in the next two quarters for a total of 50 to 60 stores in fiscal 2006.

• The Company expects to close 8 to 18 additional stores in the next two quarters for a total of 20 to 30 stores in fiscal 2006.

• The Company currently estimates franchisees will open a total of approximately 25 to 30 stores in fiscal 2006.

• The Company expects its fiscal 2006 tax rate to be 39 percent.

• The Company began expensing stock options in fiscal 2006 and expects to record stock option expense of approximately $1 million.

• The Federal Deposit Insurance Corporation’s Revised Guidelines for Payday Lending, which took effect July 1, 2005, is expected to adversely impact the Company’s payday loan business in fiscal 2006. The Company cannot currently quantify this impact or the benefits that recently introduced alternative loan products may have on its revenue and profitability in fiscal 2006. At this time ACE currently offers its customers the following loan products:

• Short-term consumer loans offered pursuant to state regulation (ACE Loan) in 21 states and the District of Columbia with an average term of approximately 14 days;

• Short-term consumer loans in Texas, Arkansas and Pennsylvania offered by Republic Bank of Kentucky (RBT Loan) with a 14-day term;

• On August 1, 2005, the Company began to offer installment loans in Texas, Arkansas and Pennsylvania made by First Bank of Delaware (FBD Loan) with a 20-week term. An FBD Loan generates loan fees and interest for ACE of approximately 55 percent to 80 percent of the loan fees and interest generated by an RBT Loan depending upon the number of days the FBD Loan is outstanding. Customers are only offered an FBD Loan if they do not qualify for an RBT Loan.

• The Company expects its provision for loan losses to be between 35 percent and 37 percent of its loan fees and interest in its third fiscal quarter of 2006.

• The Company expects its interest expense, inclusive of the interest expense associated with its recently issued $19.4 million Convertible Note, to be between $4.1 million and $4.4 million in its third fiscal quarter of 2006.

• In the Company’s third fiscal quarter of 2006, the number of diluted shares outstanding will include approximately 725,000 shares issuable pursuant to the recently issued $19.4 million Convertible Note.

About ACE Cash Express
ACE Cash Express, Inc. is a leading retailer of financial services, including check cashing, short-term consumer loans, bill payment and prepaid debit card services, and the largest owner, operator and franchisor of check cashing stores in the United States. As of December 31, 2005, ACE had a network of 1,520 stores in 34 states and the District of Columbia, consisting of 1,301 company-owned stores and 219 franchised stores. ACE focuses on serving consumers, many of who seek alternatives to traditional banking relationships in order to gain convenient and immediate access to financial services. ACE’s website is found athttp://www.acecashexpress.com.

Forward-Looking Statements
This release contains certain “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These statements are generally identified by the use of words such as “expect,” “anticipate,” “estimate,” “believe,” “intend,” “plan,” “target,” “goal,” “should,” “would,” and terms with similar meanings.

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Although ACE believes that the current views and expectations reflected in these forward-looking statements are reasonable, these views and expectations, and the related statements, are inherently subject to risks, uncertainties, and other factors, many of which are not under ACE’s control and may not even be predictable. Any inaccuracy in the assumptions, as well as those risks, uncertainties and other factors could cause the actual results to differ materially from these in the forward-looking statements. These risks, uncertainties, and factors include, but are not limited to matters described in ACE’s reports filed with the Securities and Exchange Commission, such as:

• ACE’s relationships with Republic Bank & Trust Company, First Bank of Delaware, Travelers Express and its affiliates, and its bank lenders;

• ACE’s relationships with providers of services or products offered by ACE or property used in its operations;

• federal and state governmental regulation of check cashing, short-term consumer lending and related financial services businesses;

• any impact to ACE’s earnings derived from the RBT loans offered by Republic Bank & Trust Company and the FBD loans offered by First Bank of Delaware at ACE’s stores in Texas, Pennsylvania and Arkansas from the Federal Deposit Insurance Corporation’s Revised Guidelines for Payday Lending, which took effect on July 1, 2005 and require that such banks develop procedures to ensure that a payday loan is not provided to any customer with payday loans outstanding from any lender for more than 3 months in the previous 12 months;

• any litigation;

• theft and employee errors;

• the availability of adequate financing, suitable locations, acquisition opportunities and experienced management employees to implement ACE’s growth strategy;

• increases in interest rates, which would increase ACE’s borrowing costs;

• the fragmentation of the check cashing industry and competition from various other sources, such as banks, savings and loans, short-term consumer lenders, and other similar financial services entities, as well as retail businesses that offer services offered by ACE;

• the terms and performance of third-party services offered at ACE’s stores; and

• customer demand and response to services offered at ACE’s stores.

ACE expressly disclaims any obligation to update or revise any of these forward-looking statements, whether because of future events, new information, a change in ACE’s views or expectations, or otherwise. ACE makes no prediction or statement about the performance of its common stock.

ACE CASH EXPRESS, INC. AND SUBSIDIARIES

INTERIM UNAUDITED
CONSOLIDATED STATEMENTS OF EARNINGS
(in thousands, except per share amounts)

	Three Months Ended					Six Months Ended
	December 31,					December 31,
	2005		2004			2005		2004
Revenues	$	72,264	$	64,747		$	138,457	$	126,773
Store expenses:
Salaries and benefits		18,019		15,767			35,254		30,554
Occupancy		9,967		8,378			19,423		16,560
Provision for loan losses and doubtful accounts		9,462		6,994			17,621		14,462
Depreciation		2,159		1,771			4,225		3,458
Hurricane Katrina related expenses		—		—			1,655		—
Other		10,238		9,565			20,573		19,373
Total store expenses		49,845		42,475			98,751		84,407
Gross margin		22,419		22,272			39,706		42,366
Region expenses		6,107		5,806			12,025		11,025
Headquarters expenses		5,577		5,065			10,407		9,746
Franchise expenses		301		321			579		588
Other depreciation and amortization		889		679			1,710		1,385
Interest expense, net		1,236		794			2,046		1,387
Other (income) expense, net		103		(106	)		36		66
Income before income taxes		8,206		9,713			12,903		18,169
Provision for income taxes		3,202		3,885			5,034		7,268
Net income	$	5,004	$	5,828		$	7,869	$	10,901
Earnings per share:
Basic	$	0.37	$	0.43		$	0.58	$	0.81
Diluted	$	0.36	$	0.42		$	0.57	$	0.78
Weighted average number of common shares outstanding:
Basic		13,521		13,465			13,495		13,414
Diluted		14,096		13,973			13,964		13,910

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ACE CASH EXPRESS, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(in thousands, except share and per share amounts)

	December 31,			June 30,
	2005			2005
	(unaudited)
ASSETS
Current Assets
Cash and cash equivalents	$	178,599		$	109,430
Accounts receivable, net		7,236			3,969
Loans receivable, net		26,473			20,787
Prepaid expenses, inventories and other current assets		14,793			13,685
Total Current Assets		227,101			147,871
Noncurrent Assets
Property and equipment, net		41,542			37,657
Covenants not to compete, net		2,570			1,668
Goodwill, net		132,504			98,702
Other assets		8,079			6,723
Total Assets	$	411,796		$	292,621
LIABILITIES AND SHAREHOLDERS’ EQUITY
Current Liabilities
Revolving advances	$	111,300		$	43,300
Accounts payable, accrued liabilities and other current liabilities		48,566			36,117
Money orders payable		14,364			4,867
Total Current Liabilities		174,230			84,284
Noncurrent Liabilities
Deferred income tax		3,731			4,302
Deferred revenue		3,602			3,271
Convertible notes payable		19,400			—
Other liabilities		4,353			4,079
Total Liabilities		205,316			95,936
Commitments and Contingencies
Shareholders’ Equity
Preferred stock, $1 par value, 1,000,000 shares authorized, none issued and outstanding		—			—
Common stock, $.01 par value, 50,000,000 shares authorized, 14,069,368 and 13,912,045 shares issued and 13,857,968 and 13,700,645 shares outstanding, respectively		139			137
Additional paid-in capital		106,558			103,544
Retained earnings		106,705			98,836
Accumulated comprehensive income (loss)		138			(56	)
Treasury stock, at cost, 211,400 shares		(2,707	)		(2,707	)
Unearned compensation — restricted stock		(4,353	)		(3,069	)
Total Shareholders’ Equity		206,480			196,685
Total Liabilities and Shareholders’ Equity	$	411,796		$	292,621

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ACE CASH EXPRESS, INC. AND SUBSIDIARIES
SUPPLEMENTAL STATISTICAL DATA
(unaudited)

	Three Months Ended						Six Months Ended
	December 31,						December 31,						Year Ended June 30,
	2005			2004			2005			2004			2005			2004
Company Operating and Statistical Data:
Company-owned stores in operation:
Beginning of period		1,163			1,055			1,142			1,026			1,026			968
Acquired		116			17			118			40			74			34
Opened		25			23			54			38			80			53
Sold		—			(3	)		(1	)		(3	)		(6	)		(5	)
Closed		(3	)		(7	)		(12	)		(16	)		(32	)		(24	)
End of period		1,301			1,085			1,301			1,085			1,142			1,026
Franchised stores in operation:
Beginning of period		226			202			229			204			204			200
Opened		7			17			13			26			48			32
Acquired by ACE		(3	)		(3	)		(5	)		(14	)		(22	)		(13	)
Closed/Sold		(11	)		—			(18	)		—			(1	)		(15	)
End of period		219			216			219			216			229			204
Total store network		1,520			1,301			1,520			1,301			1,371			1,230
Percentage increase (decrease) in comparable store revenues from prior period:(1)
Total revenue		4.2	%		4.8	%		3.2	%		6.1	%		3.1	%		5.0	%
Check fees including tax check fees		2.4	%		(2.8	)%		1.2	%		(2.3	)%		(3.8	)%		4.1	%
Loan fees and interest		2.9	%		14.0	%		3.1	%		17.2	%		12.7	%		7.8	%
Capital Expenditures:(in thousands)
Purchases of property and equipment, net	$	4,506		$	3,741		$	7,539		$	6,438		$	18,951		$	7,439
Store acquisition costs:
Property and equipment		1,793			275			1,825			614			958			511
Intangible assets		34,946			3,042			36,222			6,551			18,429			6,403
Check Cashing Data:
Face amount of checks cashed (in millions)	$	1,356		$	1,201		$	2,578		$	2,348		$	5,277		$	5,103
Face amount of average check	$	376		$	358		$	373		$	358		$	396		$	388
Average fee per check	$	9.15		$	8.72		$	9.05		$	8.75		$	9.98		$	9.91
Fees as a percentage of average check		2.43	%		2.44	%		2.43	%		2.44	%		2.52	%		2.55	%
Number of checks cashed (in thousands)		3,603			3,353			6,912			6,557			13,325			13,151
Check Collections Data:(in thousands except percentages)
Face amount of returned checks	$	8,973		$	6,897		$	17,975		$	12,849		$	26,914		$	21,705
Collections		7,667			5,291			14,768			9,332			20,951			13,947
Net write-offs	$	1,306		$	1,606		$	3,207		$	3,517		$	5,963		$	7,758
Collections as a percentage of returned checks		85.4	%		76.7	%		82.2	%		72.6	%		77.8	%		64.3	%
Net write-offs as a percentage of revenues		1.8	%		2.5	%		2.3	%		2.8	%		2.2	%		3.1	%
Net write-offs as a percentage of the face amount of checks cashed		0.10	%		0.13	%		0.12	%		0.15	%		0.11	%		0.15	%

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ACE CASH EXPRESS, INC. AND SUBSIDIARIES
SUPPLEMENTAL STATISTICAL DATA, continued
(unaudited)
(in thousands, except averages and percents)

	Three Months Ended						Six Months Ended
	December 31,						December 31,						Year Ended June 30,
	2005			2004			2005			2004			2005			2004
Combined Short-Term Consumer Loans Operating Data:
Volume — new loans and refinances	$	179,656		$	172,309		$	361,176		$	331,982		$	640,356		$	527,723
Average advance	$	310		$	292		$	305		$	288		$	290		$	278
Average finance charge	$	46.82		$	46.08		$	45.49		$	45.47		$	45.87		$	43.71
Number of loan transactions — new loans and refinances		533			579			1,096			1,134			2,139			1,909
Matured loan volume	$	179,411		$	163,457		$	352,338		$	318,022		$	613,380		$	516,741
Loan fees and interest	$	26,515		$	24,514		$	51,724		$	47,737		$	91,793		$	77,029
Loan loss provision	$	9,417		$	6,979		$	17,531		$	14,403		$	26,941		$	24,280
Gross margin on loans		64.5	%		71.5	%		66.1	%		69.8	%		70.7	%		68.5	%
Loan loss provision as a percent of matured loan volume		5.2	%		4.3	%		5.0	%		4.5	%		4.4	%		4.7	%
Loans Processed for Republic Bank:(2)
Volume — new loans	$	26,275		$	50,954		$	55,038		$	99,408		$	184,646		$	159,692
Average advance	$	314		$	321		$	312		$	318		$	319		$	296
Average finance charge	$	55.46		$	56.71		$	54.97		$	56.05		$	56.30		$	52.11
Number of loan transactions		84			159			177			313			578			541
Matured loan volume	$	25,600		$	49,206		$	57,163		$	96,505		$	181,153		$	157,018
Loan fees and interest	$	3,946		$	7,594		$	8,480		$	14,858		$	27,880		$	24,036
Provision for loan losses payable to Republic Bank	$	1,778		$	2,223		$	3,336		$	4,560		$	8,686		$	7,390
Loans Processed for First Bank of Delaware:(3)
Volume — new loans(4)	$	7,730			—		$	14,999			—			—			—
Average advance	$	349			—		$	345			—			—			—
Average finance charge(5)	$	34.67			—		$	34.23			—			—			—
Number of loan transactions(6)		22			—			43			—			—			—
Matured loan volume(7)	$	25,142			—		$	36,884			—			—			—
Loan fees and interest	$	3,496			—		$	5,397			—			—			—
Provision for loan losses payable to
First Bank of Delaware	$	1,305			—		$	1,914			—			—			—
ACE Loans:
Volume — new loans and refinances	$	145,651		$	121,355		$	291,139		$	232,574		$	455,710		$	368,031
Average advance	$	307		$	278		$	301		$	274		$	277		$	269
Average finance charge	$	45.58		$	41.22		$	44.19		$	40.57		$	41.17		$	39.40
Number of loan transactions — new loans and refinances		427			420			876			821			1,561			1,368
Matured loan volume	$	128,669		$	114,251		$	258,291		$	221,517		$	432,227		$	359,723
Loan fees and interest	$	19,073		$	16,920		$	37,847		$	32,879		$	63,913		$	52,993
Loan loss provision	$	6,334		$	4,756		$	12,281		$	9,843		$	18,255		$	16,890
ACE Loans Balance Sheet Data:
Gross loans receivable	$	40,879		$	34,485		$	40,879		$	34,485		$	31,790		$	27,663
Less: Allowance for losses		14,406			12,961			14,406			12,961			11,003			10,616
Loans receivable, net of allowance	$	26,473		$	21,524		$	26,473		$	21,524		$	20,787		$	17,047
Allowance for losses on loans receivable:
Beginning of period	$	13,221		$	12,021		$	11,003		$	10,616		$	10,616		$	8,734
Provision for loan losses		6,334			4,756			12,281			9,843			18,255			16,890
Charge-offs		(5,229	)		(4,793	)		(8,958	)		(8,626	)		(18,996	)		(15,295	)
Recoveries		80			977	(8)		80			1,128			1,128			287
End of period	$	14,406		$	12,961		$	14,406		$	12,961		$	11,003		$	10,616
Allowance as a percent of gross loans receivable		35.2	%		37.6	%		35.2	%		37.6	%		34.6	%		38.3

(1)	Calculated based on changes in revenue for all company-owned stores open in both periods and open for at least 13 months.
(2)	Republic Bank loans are short-term consumer loans made by Republic Bank & Trust Company at our company-owned stores in Arkansas, Pennsylvania and Texas since January 1, 2003.
(3)	First Bank of Delaware loans are 20-week installment loans made by First Bank of Delaware at our company-owned stores in Arkansas, Pennsylvania, and Texas since August 2005.
(4)	Includes only the loan origination amount for each installment loan.
(5)	The loans processed for First Bank of Delaware are 20-week loans; the average finance charge is presented based upon the 14-day average duration of the ACE loans and the Republic Bank loans.
(6)	Includes the initial 20-week loan transaction only.
(7)	Includes maturing principal amount for each 2-week payment.
(8)	Includes the recovery of $0.9 million from the sale of previously charged-off ACE loans.

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ACE CASH EXPRESS, INC. AND SUBSIDIARIES
REVENUE ANALYSIS
(unaudited)

	Three Months Ended				Six Months Ended
	December 31,				December 31,				Year Ended June 30,
	2005		2004		2005		2004		2005		2004		2003
Revenues (in thousands):
Check cashing fees	$	32,957	$	29,243	$	62,569	$	57,360	$	131,619	$	129,194	$	125,703
Loan fees and interest		26,515		24,514		51,724		47,737		91,793		77,029		70,806
Bill payment services		6,067		4,925		11,363		9,634		20,266		16,960		13,507
Money transfer services		3,307		2,883		6,275		5,708		11,868		11,136		10,898
Money order fees		1,671		1,695		3,270		3,426		6,875		6,330		6,960
Franchise revenues		825		855		1,594		1,602		3,180		2,774		2,346
Other fees		922		632		1,662		1,306		3,048		3,236		4,069
Total revenue	$	72,264	$	64,747	$	138,457	$	126,773	$	268,649	$	246,659	$	234,289

	Three Months Ended						Six Months Ended
	December 31,						December 31,						Year Ended June 30,
	2005			2004			2005			2004			2005			2004			2003
Percentage of Revenues:
Check cashing fees		45.6	%		45.2	%		45.2	%		45.2	%		49.0	%		52.4	%		53.7	%
Loan fees and interest		36.7			37.9			37.4			37.7			34.2			31.2			30.2
Bill payment services		8.4			7.6			8.2			7.6			7.5			6.9			5.8
Money transfer services		4.6			4.4			4.5			4.5			4.4			4.5			4.6
Money order fees		2.3			2.6			2.4			2.7			2.6			2.6			3.0
Franchise revenues		1.1			1.3			1.1			1.3			1.2			1.1			1.0
Other fees		1.3			1.0			1.2			1.0			1.1			1.3			1.7
Total revenue		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%

CONFERENCE CALL

January 26, 2006
5 p.m. EST

     An investor conference call will be held today, January 26, 2006 at 5 p.m. EST, regarding the release of ACE Cash Express, Inc.’s fiscal 2006, second quarter earnings. The Company invites you to participate in the conference call by dialing (800) 442-9701. The confirmation code to access the call is 4204924. Jay B. Shipowitz, President and Chief Executive Officer and William S. McCalmont, Executive Vice President and Chief Financial Officer, will present the second quarter review.

     For your convenience, the conference call will be replayed in its entirety beginning at approximately 6 p.m. EST on January 26th through 12 p.m. EST on February 2nd. If you wish to listen to a replay of this conference call, dial (800) 642-1867, provide your name and use confirmation number 4204924.

     If you have questions regarding this conference call, please contact Joy Robinson at (972) 753-2305.