First Acceptance (FACO) Stock Price, News & Analysis

Company Overview

First Acceptance Corporation (OTCMKTS: FACO) is a specialty underwriter that focuses on directly marketed print and supplemental health insurance products. Through a network of postal and digital marketing channels, the company offers fixed indemnity medical plans designed to help policyholders manage out-of-pocket healthcare expenses. In addition to core health insurance plans, First Acceptance markets a variety of supplemental coverage options, including dental, accident and critical illness policies.

Beyond its print health business, First Acceptance operates an insurance risk retention group that enables member organizations to pool risk and purchase liability and healthcare benefit programs. The company also owns and operates American Pet Insurance Company, which provides pet medical insurance nationwide. By leveraging direct mail, call centers and online enrollment platforms, First Acceptance serves individuals and small groups across the United States, tailoring its products to meet specific budgetary and coverage needs.

Founded in 1986 and headquartered in Tampa, Florida, First Acceptance has evolved from a print-only marketer into a multi-channel specialty insurer. The firm’s leadership includes Michael J. Arbus, who serves as President and Chief Executive Officer, guiding expansion into supplemental and pet insurance markets. First Acceptance maintains regulatory compliance in the jurisdictions where it operates and continues to develop targeted insurance solutions for underserved segments of the consumer market.

Key Stats

• Today's Range: $3.26 to $3.33
• 50-Day Range: $3.18 to $3.70
• 52-Week Range: $2.88 to $3.95
• Volume: 1,995 shs
• Average Volume: 6,699 shs
• Market Capitalization: $121.86 million
• P/E Ratio: 5.20
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

First Acceptance Stock Analysis - MarketRank™

First Acceptance scored higher than 19% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for First Acceptance.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of First Acceptance is 5.20, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 231.82.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Acceptance is 5.20, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.96.

Price to Book Value per Share Ratio

First Acceptance has a P/B Ratio of 0.75. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the outstanding shares of First Acceptance have been sold short.

Short Interest Ratio / Days to Cover

First Acceptance has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Acceptance has recently increased by 150.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

First Acceptance does not currently pay a dividend.

Dividend Growth

First Acceptance does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the outstanding shares of First Acceptance have been sold short.

Short Interest Ratio / Days to Cover

First Acceptance has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Acceptance has recently increased by 150.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: N/A

News Sentiment

First Acceptance has a news sentiment score of 0.86. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for First Acceptance this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Acceptance insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 9.50% of the stock of First Acceptance is held by insiders.

Percentage Held by Institutions

Only 0.08% of the stock of First Acceptance is held by institutions.

FACO Stock Analysis - Frequently Asked Questions

How have FACO shares performed this year?

First Acceptance's stock was trading at $3.03 on January 1st, 2025. Since then, FACO stock has increased by 9.7% and is now trading at $3.3250.

How were First Acceptance's earnings last quarter?

First Acceptance Corporation (OTCMKTS:FACO) released its quarterly earnings results on Tuesday, August, 5th. The company reported $0.21 earnings per share for the quarter. The firm earned $140.66 million during the quarter. First Acceptance had a net margin of 4.66% and a trailing twelve-month return on equity of 14.50%.

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: 8/05/2025
• Today: 10/13/2025
• Next Earnings (Estimated): 11/04/2025
• 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): $0.64
• Trailing P/E Ratio: 5.09
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $26.29 million
• Net Margins: 4.66%
• Pretax Margin: 5.24%
• Return on Equity: 14.50%
• Return on Assets: 3.51%

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: 0.21
• Cash Flow: $0.72 per share
• Price / Cash Flow: 4.50
• Book Value: $4.45 per share
• Price / Book: 0.73

Miscellaneous

• Outstanding Shares: 36,650,000
• Free Float: 33,165,000
• Market Cap: $119.48 million
• Optionable: Not Optionable
• Beta: 0.02