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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$3.17 - $5.84

Previous CloseN/A

Volume400.00

Average Volume (3M)9.82K

Market Cap

$208.11M

Enterprise Value$185.61M

Total Cash (Recent Filing)$57.14M

Total Debt (Recent Filing)$45.33M

Price to Earnings (P/E)5.6

Beta0.20

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 Cap0.89

Enterprise Value/Revenue0.37

Enterprise Value/Gross Profit1.10

Enterprise Value/Ebitda3.76

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

Balance-sheet StrengthSustained low leverage and material equity growth strengthen the company’s capital base, increasing its capacity to absorb underwriting losses, support claims volatility, and fund growth or reinsurance. This durable balance-sheet improvement underpins long-term financial flexibility and solvency.

Consistent ProfitabilityPositive and sustainable operating/net margins indicate core underwriting and pricing discipline in the non-standard auto niche. That steady profitability supports retained earnings, underwriting resiliency, and the ability to maintain operations without relying on external capital over the medium term.

Improved Cash GenerationFree cash flow tracking net income and the recovery from prior negative cash flow years indicate stronger earnings quality and internal funding capacity. Reliable cash generation supports underwriting reserves, reinsurance payments, and incremental investments without frequent reliance on external financing.

Bears Say

Revenue SoftnessDeclining top-line over recent periods reduces scale and hampers fixed-cost absorption in an industry where scale and premium volume matter. Persistent revenue softness could pressure margin sustainability and limit the firm’s ability to expand agent networks or invest in distribution over the medium term.

Weaker Recent Free Cash Flow MomentumA sharp downshift in free cash flow versus the prior period and uneven multi-year cash flow growth raise concerns about funding volatility for claims, reserves, and reinsurance. This makes capital planning and sustained investment less predictable across a 2–6 month horizon and beyond.

Profitability Normalization & VolatilityEarnings normalization from an outsized 2023 and year-to-year margin volatility suggest earnings are cyclical and exposed to underwriting/claims swings. This reduces confidence in steady earnings power and makes forecasting underwriting returns and capital needs more uncertain over the medium term.

FACO FAQ

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

First Acceptance Corporation lowest stock price was $3.17 and its highest was $5.84 in the past 12 months.

What is First Acceptance Corporation’s market cap?

First Acceptance Corporation’s market cap is $208.11M.

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 11 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

―

Trailing 12-Months

Asset Growth

15.22%

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; 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.