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First Acceptance(OTC) FACO

Market Cap$235.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1992)+1,773%
5 Year+161%
1 Year+74%
1 Month+2%
$6.20
+0.39%
+0.02Today
First Acceptance last closing stock price
MetricPriceDate
Last closeUSD 6.182026-09-18
First Acceptance stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.08%USD 6.052026-09-11
1 month+2.25%USD 6.042026-08-19
3 month+15.01%USD 5.372026-06-18
Year to date+46.45%USD 4.222025-12-31
1 year+74.02%USD 3.552025-09-17
3 year+427.86%USD 1.172023-09-19
5 year+161.41%USD 2.362021-09-17
Since inception+1,773.47%USD 0.331992-12-21

First Acceptance Financials at a Glance

Market Cap

$235.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$482.11M

Net Income (TTM)

$37.71M

EPS (TTM)

$1.00

P/E Ratio

6.19

Dividend

$0.00

Beta (Volatility)

0.21 (Low)

Price

$6.20

Volume

650

Open

$6.20

Previous Close

$6.18

Daily Range

$6.20 - $6.20

52-Week Range

$3.24 - $6.31

Estimated Earnings Date

Mar 2, 2026

FACO News

No articles available.

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About First Acceptance

First Acceptance Corporation operates as a retailer, servicer, and underwriter of non-standard personal automobile insurance in the United States. The company focuses on providing insurance solutions to individuals who may struggle to obtain coverage from standard carriers.

Products and Services
  • Non-standard automobile insurance policies
  • Motorcycle, renters, and homeowners insurance
  • Term life insurance and roadside assistance
Growth Outlook
  • Revenue increased to $123.1 million in Q2 2026
  • Net income rose to $10.1 million in Q2 2026
  • Operating income margin improved to 10.4% in Q2 2026
Financial Highlights
  • Trailing twelve months (TTM) P/E ratio of 5.92 indicates strong valuation
  • Net profit margin of 7.8% reflects effective cost management
  • Return on equity (ROE) at 18.6% demonstrates efficient use of shareholder funds
First Acceptance Corporation has established itself in the non-standard automobile insurance market, catering to a unique segment of customers. The company's diverse product offerings, including motorcycle and life insurance, enhance its market presence. Recent financial performance indicates a positive trajectory, with significant revenue growth and improved profitability metrics. The low P/E ratio suggests potential for value appreciation, while a solid return on equity highlights effective management practices. Overall, First Acceptance Corporation presents an intriguing opportunity for investors interested in the insurance sector.
AI Generated • Sep 4, 2026

Industry

Insurance

Sector

Financials

Employees

633

CEO

Ken Russell

Website

www.acceptanceinsurance.com

Headquarters

Nashville, TN 37215, US

FACO Financials

Key Financial Metrics (TTM)

Gross Margin

42.25%

Operating Margin

9.90%

Net Income Margin

7.82%

Return on Equity

18.63%

Return on Capital

15.70%

Return on Assets

5.04%

Earnings Yield

16.16%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$235.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

38.15M

Volume

650

Avg. Volume

12.61K

Financials (TTM)

Gross Profit

$203.70M

Operating Income

$47.73M

EBITDA

$52.04M

Operating Cash Flow

$31.98M

Capital Expenditure

-$402.00K

Free Cash Flow

$31.58M

Cash & ST Invst.

$54.63M

Total Debt

$45.13M

First Acceptance Performance Analysis

First Acceptance annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 302,479,0006.3%
20232023-12-31USD 487,542,00061.2%
20242024-12-31USD 559,520,00014.8%
20252025-12-31USD 506,340,000-9.5%
First Acceptance sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-300.0%
Q42025-12-31-29.0%
Q12026-03-3118.5%
Q22026-06-304.0%
First Acceptance annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -0.461337.0%
20232023-12-31USD 1.92N/A
20242024-12-31USD 0.67-65.1%
20252025-12-31USD 0.8018.6%
First Acceptance sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3028.6%
Q42025-12-31-11.1%
Q12026-03-31-8.3%
Q22026-06-3018.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$123.14M

-12.5%

Gross Profit

$47.27M

+300.9%

Gross Margin

38.38%

N/A

Market Cap

$235.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$374.59K

N/A

Employees

629

N/A

Net Income

$10.08M

+28.0%

EBITDA

$13.91M

+23.6%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$54.63M

-86.4%

Total Debt

$45.13M

-0.1%

Accounts Receivable

$234.81M

-12.9%

Inventory

$0.00

N/A

Long Term Debt

$43.38M

-2.9%

Short Term Debt

$1.74M

+249.8%

Return on Assets

5.04%

N/A

Return on Invested Capital

6.38%

N/A

Free Cash Flow

$8.14M

-15.6%

Operating Cash Flow

$8.15M

-17.5%

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Questions About FACO

What is the current price of First Acceptance?

First Acceptance is trading at $6.20 per share.

What is the 52-week range for First Acceptance?

Over the past 52 weeks, First Acceptance has traded between $3.24 and $6.31.

How much debt does First Acceptance have?

As of the most recent reporting period, First Acceptance reported total debt of $45.13M.

How much cash does First Acceptance have on hand?

First Acceptance reported $54.63M in cash and cash equivalents in its most recent financial results.

What is First Acceptance’s dividend yield?

First Acceptance does not currently have a dividend yield.

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