First Acceptance (FACO) Stock Price, News & Analysis

Company Overview

First Acceptance Corporation (OTCMKTS:FACO) is a niche provider of premium finance and insurance-related services to small- and medium-sized businesses across the United States. The company specializes in offering premium financing solutions that allow commercial policyholders to pay insurance premiums in installments rather than in a single lump sum. By partnering with a network of insurance agents, brokers and carriers, First Acceptance delivers tailored payment programs designed to help businesses manage cash flow and reduce upfront capital requirements associated with their property and casualty and workers’ compensation insurance policies.

In addition to its core premium finance operations, First Acceptance also provides collateral management and fund administration services, helping insurance carriers monitor and secure collateral pledged by their policyholders. The company’s technology platform streamlines process workflows for invoicing, receivables tracking and portfolio reporting, granting agents and carriers real-time visibility into outstanding balances, payment schedules and compliance requirements. With a focus on customer service, First Acceptance aims to strengthen relationships with its partners by offering flexible underwriting criteria and responsive account management.

Founded in the late 1970s, First Acceptance has grown steadily by leveraging its expertise in risk analysis, credit evaluation and regulatory compliance. Headquartered in Michigan and operating regionally throughout the Midwest and Southeast, the company continues to explore strategic alliances that extend its geographic footprint and expand its product offerings. Led by a management team with extensive backgrounds in insurance finance and technology, First Acceptance is positioned to address the evolving needs of small-business owners seeking more efficient, cost-effective ways to finance their insurance obligations.

Key Stats

• Today's Range: $3.40 to $3.40
• 50-Day Range: $3.14 to $3.63
• 52-Week Range: $2.88 to $4.20
• Volume: 205 shs
• Average Volume: 7,729 shs
• Market Capitalization: $124.60 million
• P/E Ratio: 5.86
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

FACO Stock Analysis - Frequently Asked Questions

How have FACO shares performed this year?

First Acceptance's stock was trading at $3.03 at the beginning of 2025. Since then, FACO stock has increased by 12.2% and is now trading at $3.40.

How were First Acceptance's earnings last quarter?

First Acceptance Corporation (OTCMKTS:FACO) announced its quarterly earnings data on Tuesday, May, 6th. The company reported $0.08 earnings per share (EPS) for the quarter. The business had revenue of $125.09 million for the quarter. First Acceptance had a trailing twelve-month return on equity of 13.56% and a net margin of 4.13%.

How do I buy shares of First Acceptance?

Shares of FACO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Acceptance own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Acceptance investors own include Devon Energy (DVN) and Clean Energy Fuels (CLNE).

Company Calendar

• Last Earnings: 5/06/2025
• Today: 7/15/2025
• Next Earnings (Estimated): 8/11/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: INS - PROP&CASLTY
• Sub-Industry: Insurance
• Current Symbol: OTCMKTS:FACO
• CIK: N/A
• Web: www.acceptanceinsurance.com
• Phone: (615) 844-2800
• Fax: 615-844-2835
• Employees: 1,400
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.58
• Trailing P/E Ratio: 5.95
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $26.29 million
• Net Margins: 4.13%
• Pretax Margin: 5.24%
• Return on Equity: 13.56%
• Return on Assets: 3.32%

Debt

• Debt-to-Equity Ratio: 0.24
• Current Ratio: 0.62
• Quick Ratio: 0.62

Sales & Book Value

• Annual Sales: $559.43 million
• Price / Sales: 0.23
• Cash Flow: $0.72 per share
• Price / Cash Flow: 4.77
• Book Value: $4.45 per share
• Price / Book: 0.78

Miscellaneous

• Outstanding Shares: 36,650,000
• Free Float: 33,165,000
• Market Cap: $126.44 million
• Optionable: Not Optionable
• Beta: -0.10