First Acceptance Corporation (FACO)

OTHER OTC:FACO

FACO

First Acceptance

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First Acceptance (FACO) Price & Analysis

40 Followers

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 - $5.12

Previous CloseN/A

Volume400.00

Average Volume (3M)9.82K

Market Cap

$194.19M

Enterprise Value$154.38M

Total Cash (Recent Filing)$78.30M

Total Debt (Recent Filing)$45.53M

Price to Earnings (P/E)5.3

Beta0.38

Next Earnings

May 05, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.24

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 Cap0.79

Enterprise Value/Revenue0.30

Enterprise Value/Gross Profit1.27

Enterprise Value/Ebitda3.58

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-insurance niche gives the company a structurally defensible market with steady demand from customers underserved by standard carriers. Durable underwriting expertise, agent networks and tailored pricing support repeat premium revenue and reduce direct competition over time.

Improved Profitability & Cash GenerationConsistent positive operating and free cash flow across multiple recent years strengthens funding for reserves, underwriting and growth without frequent capital raises. Persistent cash generation supports reinvestment, resilience to claim volatility and improved ability to finance reinsurance or expansion.

Stronger Balance Sheet & Capital ProductivityDeclining leverage and a larger equity base increase financial flexibility and regulatory resilience. Solid ROE in recent years indicates good capital productivity, enabling the firm to write more policies or strengthen reserves while withstanding underwriting stress without over-reliance on external financing.

Bears Say

Revenue And Margin VolatilityLarge year-to-year swings in revenue and margins indicate the business is sensitive to underwriting cycles, pricing shifts or loss experience. That volatility makes forecasting reserve needs, pricing adequacy and sustainable profitability harder, increasing execution risk over the medium term.

Historical Cash-Flow Weakness / Inconsistent ConversionPeriods of negative cash flow and inconsistent conversion of earnings to cash raise concerns about liquidity under stress. The company may need to dip into reserves, tap reinsurance or access capital during adverse claim years, which can strain margins and limit strategic flexibility.

Limited Public-Market Liquidity And Scale ConstraintsAn OTC listing and smaller public profile can limit access to liquid capital markets, reduce analyst coverage and increase funding costs. For an insurance firm, constrained scale can reduce diversification of risk pools and negotiating power with reinsurers and distribution partners, pressuring long-term margins.

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 $5.12 in the past 12 months.

What is First Acceptance Corporation’s market cap?

First Acceptance Corporation’s market cap is $194.19M.

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

First Acceptance Corporation’s upcoming earnings report date is May 05, 2026 which is in 21 days.

How were First Acceptance Corporation’s earnings last quarter?

First Acceptance Corporation released its earnings results on Mar 03, 2026. The company reported $0.243 earnings per share for the quarter, beating the consensus estimate of N/A by $0.243.

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 $0.243 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 9.93%.

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

Top Smart Score Stocks >

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.