Profit X-Ray — Brazos Valley Pawn & Gun

Starter is $79 a month, $948 a year. The counter gap alone is 14 times that.

What we found

critical

$20,453.42 is tied up in stock older than 120 days

That is 49% of the money on your floor, across 20 items. The liquidate list below is ordered by how much cash each one frees up.

info

Jewelry made $62,520 of your margin; Firearms earns 32% on $55,301 of sales

Jewelry carried 51% of the margin this shop earned, at 51.8%. Firearms is a big category on a thin margin: each point of margin there is worth $553 a year, at the counter or on the ticket.

warning

Travis Cole buys at 29.9% margin against a 46.8% average

Across 194 sold items, $79,740 of sales: that gap is about $13,476 of margin a year. It is usually paying too much at the counter rather than selling too cheaply — worth reviewing their offers.

What to get rid of

Stock over 120 days old, ranked by how much cash each item frees up. Clearing the top of this list returns $9,520.76 to the till.

Item	Description	Days held	Cash back
BV-10108	Diamond solitaire ring 0.5ct 14k	369	$706.59
BV-10194	Smith & Wesson M&P Shield 9mm	512	$443.02
BV-10039	Specialized Rockhopper bike	523	$423.26
BV-10346	Sigma 18-35mm lens	507	$433.07
BV-10628	Gibson Les Paul Studio guitar	301	$721.01

83 more on the full list with Starter

What to pay

The offer engine on 3 of your own best sellers: what the next one through the door is worth, from what the same make and model sold for here. Starter answers this for anything at the counter.

Remington 870 12ga shotgun walks in

pay up to $189

sells here for a median $298 in 32 days · 19 sales · 36.7% margin, what it has earned here

DeWalt DCD777 20V drill walks in

pay up to $44

sells here for a median $84 in 32 days · 19 sales · 47.1% margin, what it has earned here

Seiko 5 automatic watch walks in

pay up to $60

sells here for a median $121 in 24 days · 18 sales · 50.2% margin, what it has earned here

Had it been at your counter

On the day each one came in, 372 of your purchases could be priced from your own sales of the same make and model. 140 were bought above what your own margin leaves room for, by $11,003 in all. What has sold of those earned 35.5%; the rest earned 46.7%. Not every seller takes the lower number, so that is the most there was to keep, not a promise.

Item	Description	Paid	Sold here for	Engine's number	Paid over
BV-10300	Rolex Datejust 36 watch	$4,783.90	$5,250.59 (7)	$2,294.51	$2,489.39
BV-10018	Rolex Datejust 36 watch	$3,353.06	$5,250.59 (7)	$2,294.51	$1,058.55
BV-10719	Rolex Datejust 36 watch	$2,925.69	$5,036.59 (4)	$2,271.50	$654.19
BV-10583	Gibson Les Paul Studio guitar	$1,058.75	$1,058.86 (3)	$600.37	$458.38
BV-10687	Yamaha YAS-280 alto saxophone	$830.06	$769.19 (3)	$510.74	$319.32

"Sold here for" counts only sales made before the item came in: what the counter could have known that day.

Where the money is made

Every category you trade in, ranked by the profit it actually returned. Margin is the sale price less what you paid; sell-through is the share of what you took in that has since sold.

Category	Sold	On floor	Revenue	Margin	Margin %	Sell-through	Median days	Capital
Jewelry	145	19 (8 aged)	$120,659	$62,520	51.8%	88.4%	26 days	$6,596
Firearms	154	25 (8 aged)	$55,301	$17,671	32.0%	86.0%	36 days	$5,394
Electronics	121	36 (21 aged)	$39,565	$12,642	32.0%	77.1%	49 days	$8,635
Tools	150	38 (15 aged)	$28,584	$12,190	42.6%	79.8%	30 days	$3,816
Instruments	43	28 (19 aged)	$24,477	$8,919	36.4%	60.6%	101 days	$9,926
Sporting	30	22 (9 aged)	$12,587	$4,844	38.5%	57.7%	96 days	$4,460
Cameras	25	12 (5 aged)	$9,348	$3,480	37.2%	67.6%	70 days	$3,218
Games	45	7 (3 aged)	$1,825	$990	54.2%	86.5%	22 days	$119

Jewelry made $62,520 of margin, 51% of the shop's, at 51.8%. Firearms is a big category on a thin margin: 32.0% on $55,301. Each point of margin there is worth $553 a year.

What to reprice

Priced under what it sells for here

Same make and model, at least 3 sales in this shop. Selling at the ticket price gives the last column away.

Item	Description	Asking	Sold here for	Left on the table
BV-10113	Rolex Datejust 36 watch	$4,880.18	$5,529.35 (11)	$649.17
PW-2308	Roland TD-1DMK electronic drum kit	$396.43	$537.75 (4)	$141.32
PW-2238	Fender Stratocaster electric guitar	$496.28	$609.77 (4)	$113.49
PW-2100	Glock 19 Gen5 9mm pistol	$412.17	$520.06 (13)	$107.89
BV-10150	Sony PlayStation 5	$330.02	$431.15 (9)	$101.13

Priced over what it sells for here, or past your schedule

Items priced above what the same thing actually sold for in your shop first, then those old enough for your markdown schedule to cut. Never below cost unless you set it lower.

Item	Description	Asking	Suggested	Days	Why
BV-10767	Epiphone Les Paul Standard guitar	$480.02	$368.00	531	The same model sold here for a median $368 (7 sales in the last 12 months)
BV-10646	Nintendo Switch game	$35.91	$28.00	518	The same brand sold here for a median $28.38 (11 sales in the last 12 months)
BV-10224	DeWalt 20V brad nailer	$211.00	$165.00	517	The same model sold here for a median $165 (10 sales in the last 12 months)
BV-10564	HP 15in laptop	$230.15	$177.00	511	The same model sold here for a median $177 (9 sales in the last 12 months)
BV-10604	Trek Marlin 7 mountain bike	$628.27	$480.00	458	The same model sold here for a median $480 (12 sales in the last 12 months)

116 more on the full list with Starter

Your loan book

420

pawn loans written

$76,348

principal lent

71.9%

redeemed by the customer

28.1%

forfeited to your inventory

A forfeiture rate much above a third usually means loan amounts are generous against what the collateral resells for. Profitable only if the goods actually move.

06b

What is coming into stock

2.1

items expected to forfeit in 30 days, of 6 loans due

$286

principal expected to land in 30 days · about $469 at your own resale

5.6

items expected to forfeit in 60 days, of 22 loans due

$1,425

principal expected to land in 60 days · about $2,665 at your own resale

Each open loan's chance of forfeiting comes from your own closed loans: the customer's history first, then the category's, then the shop's (96 of 398 closed loans forfeited). A loan counts as forfeited 30 days past due. Resale is what a dollar of cost became when you sold that category.

Category	Open loans	Principal	Expected items	Expected principal	Your resale	Days to sell
Jewelry	5	$2,185	1.8	$839	2.08×	26
Firearms	4	$709	1.0	$180	1.47×	36
Sporting	4	$685	1.1	$185	1.63×	96
Electronics	3	$531	0.5	$92	1.47×	49
Tools	3	$317	0.8	$81	1.74×	30
Cameras	2	$215	0.4	$47	1.59×	70
Games	1	$17	0.1	$1	2.19×	22

Ticket	Category	Principal	Forfeits	Chance	Why
P10343	Jewelry	$1,983	2026-11-15	38.7%	this customer redeemed 1 of 2 earlier loans
P10268	Firearms	$173	2026-09-26	48.5%	this customer redeemed 2 of 5 earlier loans
P10186	Sporting	$143	2026-09-19	45%	this customer redeemed 3 of 6 earlier loans
P10340	Sporting	$211	2026-11-15	30.1%	first loan here; Sporting forfeited 6 of 19
P10197	Firearms	$293	2026-10-22	19.7%	first loan here; Firearms forfeited 13 of 67
P10369	Electronics	$264	2026-10-13	21.1%	this customer redeemed 7 of 9 earlier loans
P10277	Sporting	$239	2026-11-05	20%	this customer redeemed 1 of 1 earlier loans
P10112	Jewelry	$112	2026-10-05	38.7%	this customer redeemed 1 of 2 earlier loans
P10240	Cameras	$183	2026-11-14	22.3%	this customer redeemed 4 of 5 earlier loans
P10037	Tools	$97	2026-09-29	31.8%	first loan here; Tools forfeited 28 of 87

Who buys well

Margin on items each person took in. A persistent gap is usually what was paid at the counter, not how it was sold.

Buyer	Items sold	Revenue	Margin	Margin %	Avg per item
Marco Reyes	180	$88,599	$41,258	46.6%	$229.21
Dee Alvarez	174	$60,671	$30,698	50.6%	$176.43
Jen Park	165	$63,336	$27,433	43.3%	$166.26
Travis Cole	194	$79,740	$23,866	29.9%	$123.02

07b

Your used guns

Used guns usually carry the fattest margin in the case, and a trade-in overpaid by $50 gives much of it away. Used means recorded as anything other than new. Guns with no condition recorded count as used.

154

guns sold

$3,637

in used guns on the floor

$1,116

of it older than 120 days

used guns to reprice

	Sold	Revenue	Margin %	Per gun	Median days	On floor
New	41	$17,034	20.0%	$83.09	34	5
Used	113	$38,267	37.3%	$126.23	39	20

Used guns to reprice first

Gun	Days	Paid	Asking	Sold here for
Glock 19 Gen5 9mm pistol	423	$261	$412	$482 (10)
Henry Golden Boy .22 rifle	280	$237	$484	$425 (13)
Ruger 10/22 rifle	498	$168	$249	$214 (5)
Savage Axis .308 rifle	220	$165	$324	$258 (10)
Springfield XD 9mm pistol	525	$164	$382	$317 (9)
Taurus G3 9mm pistol	250	$121	$224	$286 (1)

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