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 $3.48
• 52-Week Range: $2.88 to $4.20
• Volume: 205 shs
• Average Volume: 2,477 shs
• Market Capitalization: $124.61 million
• P/E Ratio: 5.86
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

First Acceptance Stock Analysis - MarketRank™

First Acceptance scored higher than 28% 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 5.86, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Acceptance is 5.86, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.10.

Price to Book Value per Share Ratio

First Acceptance has a P/B Ratio of 0.76. 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 float of First Acceptance has been sold short.

Short Interest Ratio / Days to Cover

First Acceptance has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

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 float of First Acceptance has been sold short.

Short Interest Ratio / Days to Cover

First Acceptance has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 3.3 / 5
• News Sentiment: N/A

News Sentiment

First Acceptance has a news sentiment score of 1.97. 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 is a higher news sentiment than the 0.93 average news sentiment score 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 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 EPS for the quarter. The firm had revenue of $125.09 million for the quarter. First Acceptance had a net margin of 4.13% and a trailing twelve-month return on equity of 13.56%.

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: 7/16/2025
• 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: 5.86
• 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: 0.22
• Cash Flow: $0.71 per share
• Price / Cash Flow: 4.77
• Book Value: $4.45 per share
• Price / Book: 0.76

Miscellaneous

• Outstanding Shares: 36,650,000
• Free Float: 33,165,000
• Market Cap: $124.61 million
• Optionable: Not Optionable
• Beta: -0.10