Exhibit 99.1


William S. McCalmont 972/753-2314
Executive Vice President & CFO

Total Store Network Grows 10% in Last 12 Months

     DALLAS (January 20, 2005)—ACE Cash Express, Inc. (NASDAQ:AACE) announced diluted earnings per share of $0.42 for its fiscal 2005 second quarter ended December 31, 2004, a 24 percent increase over its diluted earnings per share of $0.34 in the second quarter of fiscal 2004. Net income of $5.8 million in the second quarter of fiscal 2005 increased 57 percent from $3.7 million in the second quarter of fiscal 2004.

     During the second quarter of fiscal 2005, ACE’s total revenue increased 9 percent to $64.7 million versus $59.2 million in the prior year period. This increase is primarily due to a 20 percent increase in loan fees and interest and a 19 percent increase in bill payment services.

     “ACE’s second quarter financial performance was excellent and is representative of our ability to continue to meet the needs of our customers and the large under-banked consumer marketplace,” said Jay B. Shipowitz, President and CEO. “Over 10 million customers visited our stores seeking our diversified financial service offerings. We continue to generate strong comparable sales growth driven by loan fees, which increased 14 percent and bill payment services, which rose 16 percent, during the second quarter.”

     Among the Company’s accomplishments during the second quarter of fiscal 2005 were:

  •   The total ACE store network, including franchised stores, had a record 10 million customer visits and processed approximately $2.4 billion in transactions.
  •   Comparable store sales increased 4.8 percent compared to the second quarter of fiscal 2004.


The following information was filed by Ace Cash Express Inctx on Thursday, January 20, 2005 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-Q Quarterly Report statement of earnings and operation as management may choose to highlight particular information in the press release.

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