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FACO Stock Chart & Stats
$5.42
$0.00(0.00%)
At close: 4:00 PM EDT
$5.42
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$3.24 - $6.31
Previous CloseN/A
Volume2.71K
Average Volume (3M)9.82K
Market Cap
$234.25M
Enterprise Value$249.93
Total Cash (Recent Filing)$54.63M
Total Debt (Recent Filing)$45.13M
Price to Earnings (P/E)6.0
Beta0.26
Next Earnings
Nov 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.02
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Conservative LeverageLow debt-to-equity (~0.22) and a conservatively levered balance sheet provide durable financial flexibility for an insurer. This permits absorbing underwriting volatility, funding reserve increases or catastrophe events, supports rate filings and reinsurance purchase options, and lowers financing risk over months.
Consistent Cash GenerationSustained positive operating and free cash flow (FCF ~$31.6M, ~0.98x net income) shows earnings largely supported by cash. Durable cash generation funds claim obligations, working capital, and potential capital returns or strategic investments without reliance on external financing over the medium term.
Return To ProfitabilityThe company’s recovery from prior losses to TTM profitability and healthy ROE (~18.6%) reflects sustained underwriting and expense discipline. Improved underwriting outcomes and earnings consistency, if maintained, provide a stronger foundation for reserving, reinvestment, and long-term policyholder and capital management decisions.
Bears Say
Revenue DeclineA multi-period revenue decline limits scale benefits and pricing leverage for a non-standard auto insurer. Shrinking premiums restrict ability to spread fixed distribution and admin costs, reduce investment float growth, and constrain capital available for product expansion or cost absorption over several months.
Margin VolatilityLarge swings in net margins across recent years indicate underwriting and expense volatility. Persistent margin variability complicates pricing adequacy, reserve setting, and capital planning, raising the risk that short-term adverse claims trends or litigation could erode profitability over the medium term.
Decelerating Cash Flow MomentumAlthough FCF remains positive, deceleration and levels below the 2023 peak reduce the buffer available for growth, reinsurance, or capital returns. Slower cash flow momentum heightens sensitivity to underwriting setbacks and limits flexibility to invest in distribution or technology over coming quarters.
FACO FAQ
What was First Acceptance Corporation’s price range in the past 12 months?
First Acceptance Corporation lowest stock price was $3.24 and its highest was $6.31 in the past 12 months.
What is First Acceptance Corporation’s market cap?
First Acceptance Corporation’s market cap is $234.25M.
When is First Acceptance Corporation’s upcoming earnings report date?
First Acceptance Corporation’s upcoming earnings report date is Nov 10, 2026 which is in 86 days.
How were First Acceptance Corporation’s earnings last quarter?
First Acceptance Corporation released its earnings results on Aug 04, 2026. The company reported $0.265 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is First Acceptance Corporation overvalued?
According to Wall Street analysts First Acceptance Corporation’s price is currently Overvalued.
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 $0.265 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 10.701%.
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
1
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5
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7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.23%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
9.44%
Trailing 12-Months
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; renters, and homeowners; term life insurance products, as well as roadside assistance. The company primarily distributes its products through its retail locations, as well as through call center and internet. First Acceptance Corporation was founded in 1969 and is headquartered in Nashville, Tennessee.
Technical Analysis
Ownership Overview
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Insiders
0.60% Mutual Funds
0.13% Other Institutional Investors
99.27% Public Companies and
Individual Investors