Financial Services
First Acceptance Corporation(FACO)
Live Price
Offline$5.38
+0.19% today
1Y Change
+65.94%
Window
Jun 25, 2025 โ Jun 24, 2026
- Market Cap
- $190.00M
- Revenue Growth
- -9.5%
- EPS Growth
- +18.8%
- Dividend Yield
- 0.0%
Coverage: 250 bars ยท Jun 25, 2025 โ Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
First Acceptance Corporation (FACO) is a Financial Services stock with a market cap of $190.00M and listed on OTC. The stock last traded around $5.38 and up 65.9% across the available one-year price window (Jun 25, 2025 โ Jun 24, 2026). Baseline metrics include revenue growth of -9.5%, EPS growth of +18.8%, a dividend yield of 0.0%. What stands out right now is revenue -9.5%, EPS +18.8%, free cash flow -10.1% with operating margin 7.6% and ROIC 4.2%. Valuation is more restrained than many high-expectation growth names at P/E 6.2 and price/sales 0.4. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines FACO price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-9.5% vs +3.4% peer median
Operating Margin
Above sector median
+7.6% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Mar 3, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -9.5% and EPS is at +18.8%, with operating margin around 7.6%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +12.6% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Mar 3, 2026 | โ | +9.9% | +3.9% | +5.1% |
2025 Nov 4, 2025 | โ | +17.4% | +21.9% | +9.6% |
2025 Aug 5, 2025 | โ | +13.2% | +11.9% | +7.2% |
Benchmark Edge
FACO vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
FACO
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
FACO Max Drawdown
-13.35%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for FACO and SPY.
Company Overview
First Acceptance Corporation
Other OTC
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; and renters, homeowners, commercial, pet, life, travel, outdoor vehicle, and hospital indemnity insurance products. In addition, it provides TeleMed, a subscription service that offers access to doctor for consulting, diagnosing, and prescribing medication for non-emergency illness. The company primarily distributes its products through its retail locations, as well as through call center and internet. As of December 31, 2021, it leased and operated 338 retail locations, and a call center. First Acceptance Corporation was founded in 1969 and is headquartered in Nashville, Tennessee.
- Leadership
- Kenneth Duane Russell
- IPO Date
- Jun 1, 1972
- Employees
- 633
- Street Address
- 3813 Green Hills Village Drive
- Mailing
- Nashville, TN, 37215
- Region
- Nashville, TN, US
- Reporting Currency
- USD
- Investor Line
- 800 321 0899
- Last Updated
- Apr 28, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 6.2
- EV/EBITDA
- 3.6
- Price/Sales
- 0.4
- Price/Book
- 0.9
Growth
- Revenue
- -9.5%
- EPS
- +18.8%
- Free Cash Flow
- -10.1%
Profitability
- Gross Margin
- 24.1%
- Operating Margin
- 7.6%
- Net Margin
- 6.0%
- ROE
- 16.4%
- ROIC
- 4.2%
Balance Sheet
- Debt/Equity
- 0.23
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.