First Acceptance Corporation (FACO)

OTHER OTC:FACO

FACO

First Acceptance

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First Acceptance (FACO) Price & Analysis

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FACO Stock Chart & Stats

$4.25

$0.02(0.63%)

At close: Jan 08 4:00 PM EST

$4.25

$0.02(0.63%)

Day’s Range― - ―

52-Week Range$3.00 - $5.38

Previous CloseN/A

Volume400.00

Average Volume (3M)9.82K

Market Cap

$195.52M

Enterprise Value$178.23M

Total Cash (Recent Filing)$57.14M

Total Debt (Recent Filing)$45.33M

Price to Earnings (P/E)4.9

Beta0.22

Next Earnings

Aug 04, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.96

Shares Outstanding38,150,906

10 Day Avg. Volume7,392

30 Day Avg. Volume9,824

Financial Highlights & Ratios

PEG Ratio0.28

Price to Book (P/B)0.79

Price to Sales (P/S)0.31

P/FCF Ratio3.41

Enterprise Value/Market Cap0.91

Enterprise Value/Revenue0.36

Enterprise Value/Gross Profit1.06

Enterprise Value/Ebitda3.61

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Niche Business ModelServing the non-standard auto market gives durable demand from customers underserved by standard carriers. A multi-channel distribution (retail, agents, online) supports retention and acquisition, producing recurring premium flows and a defensible niche with less direct competition over time.

Improved Balance SheetMaterial equity growth and low debt-to-equity enhance capital resilience against underwriting cycles and catastrophic losses. Lower leverage improves financial flexibility for reinsurance, reserve management, and potential organic growth without stressing interest coverage or solvency margins.

Positive Cash GenerationFree cash flow roughly equaling net income indicates earnings quality and internal funding capacity. Consistent cash conversion supports reserves, reinsurance buying, and operational investment, reducing reliance on external financing for sustaining underwriting operations.

Bears Say

Revenue DeclineDeclining top-line reduces scale benefits and can pressure underwriting leverage and fixed-cost absorption. For a premium-driven insurer, persistent revenue contraction limits reinvestment capacity, weakens bargaining with reinsurance partners, and raises sensitivity to adverse loss trends.

Recent Free Cash Flow DownshiftA sharp drop in FCF versus the prior year lowers cushion for claims volatility and constrains capital deployment. Inconsistent multi-year cash flow growth raises concern about sustaining dividends, buybacks, or reserve builds during adverse cycles, increasing financing and liquidity risk.

Margin Volatility / Profitability NormalizationSignificant normalization from an outsized year suggests earnings are cyclical and sensitive to underwriting and claims variability. Volatile margins reduce earnings predictability, complicate long-term planning, and make capital allocation and reinsurance pricing more challenging for management.

FACO FAQ

What was First Acceptance Corporation’s price range in the past 12 months?

First Acceptance Corporation lowest stock price was $3.00 and its highest was $5.38 in the past 12 months.

What is First Acceptance Corporation’s market cap?

First Acceptance Corporation’s market cap is $195.52M.

When is First Acceptance Corporation’s upcoming earnings report date?

First Acceptance Corporation’s upcoming earnings report date is Aug 04, 2026 which is in 74 days.

How were First Acceptance Corporation’s earnings last quarter?

First Acceptance Corporation released its earnings results on May 05, 2026. The company reported $0.216 earnings per share for the quarter, beating the consensus estimate of N/A by $0.216.

Is First Acceptance Corporation overvalued?

According to Wall Street analysts First Acceptance Corporation’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does First Acceptance Corporation pay dividends?

First Acceptance Corporation pays a Semiannually dividend of $0.11 which represents an annual dividend yield of N/A. See more information on First Acceptance Corporation dividends here

What is First Acceptance Corporation’s EPS estimate?

First Acceptance Corporation’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does First Acceptance Corporation have?

First Acceptance Corporation has 38,150,906 shares outstanding.

What happened to First Acceptance Corporation’s price movement after its last earnings report?

First Acceptance Corporation reported an EPS of $0.216 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.195%.

Which hedge fund is a major shareholder of First Acceptance Corporation?

Currently, no hedge funds are holding shares in FACO

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

First Acceptance Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

16.42%

Trailing 12-Months

Asset Growth

16.42%

Trailing 12-Months

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Company Description

First Acceptance Corporation

First Acceptance Corporation, together with its subsidiaries, operates as a retailer, servicer, and underwriter of non-standard personal automobile insurance and related products in the United States. It issues non-standard automobile insurance policies to individuals based on their inability or unwillingness to obtain insurance coverage from standard carriers due to various factors, including their payment preference, failure to maintain continuous insurance coverage, or driving record. The company also underwrites auto and motorcycle insurance products; and renters, homeowners, commercial, pet, life, travel, outdoor vehicle, and hospital indemnity insurance products. In addition, it provides TeleMed, a subscription service that offers access to doctor for consulting, diagnosing, and prescribing medication for non-emergency illness. The company primarily distributes its products through its retail locations, as well as through call center and internet. As of December 31, 2021, it leased and operated 338 retail locations, and a call center. First Acceptance Corporation was founded in 1969 and is headquartered in Nashville, Tennessee.