Confident Investing Starts With TipRanks Premium

Get 55% Off
TipRanks
Go Ultimate55% OFF

First Acceptance (FACO) Stock Price & Analysis

FACO Stock Chart & Stats

$6.08-$0.02(-0.33%)
At close: 4:00 PM EDT
$5.5$5.75$6$6.253 Aug17 Aug31 Aug14 Sep28 Sep12 Oct26 Oct
Day’s Range
$6.08 - $6.08
52-Week Range
$3.25 - $6.90
Previous Close
$6.10
Volume
2,711
Average Volume (3M)
4,368
Market Cap
$224.70M
Enterprise Value
$249.93M
Total Cash (Recent Filing)
$54.63M
Total Debt (Recent Filing)
$45.13M
Price to Earnings (P/E)
6.0
Beta
0.30
Next Earnings
Nov 10, 2026 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Dec 15, 2021
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Conservative Leverage

Low 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 Generation

Sustained 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 Profitability

The 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 Decline

A 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 Volatility

Large 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 Momentum

Although 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.

First Acceptance News

FACO FAQ

What was First Acceptance’s price range in the past 12 months?
First Acceptance lowest stock price was $3.25 and its highest was $6.90 in the past 12 months.
What is First Acceptance’s market cap?
First Acceptance’s market cap is $224.70M.
When is First Acceptance’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were First Acceptance’s earnings last quarter?
First Acceptance released its earnings results on Aug 04, 2026. The company reported $0.265 earnings per share for the quarter.
Is First Acceptance overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does First Acceptance pay dividends?
First Acceptance pays a Semiannually dividend of $0.11 which represents an annual dividend yield of ―. See more information on First Acceptance dividends here
What is First Acceptance’s EPS estimate?
First Acceptance’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does First Acceptance have?
First Acceptance has 36,957,160 shares outstanding.
What happened to First Acceptance’s price movement after its last earnings report?
First Acceptance reported an EPS of $0.265 in its last earnings report. Following the earnings report the stock price went up 10.701%.
Which hedge fund is a major shareholder of First Acceptance?
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