First Acceptance (FACO) Stock Price
First Acceptance Price
Revenue has compounded at 28.9% per year over the past 19 years to 347.50 M USD. Earnings per share have grown at 14.9% per year over the last 16 years. First Acceptance's net margin stands at -2.5%, down from 3.8% several years earlier. First Acceptance currently offers a dividend yield of about 0.10%. The payout ratio is around 30% of earnings. The stock trades about 84% above its 52-week low.
First Acceptance stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of First Acceptance over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how First Acceptance stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing First Acceptance's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | First Acceptance Price |
|---|---|
| 9/2/2026 | 5.95 USD |
| 9/1/2026 | 6.04 USD |
| 8/31/2026 | 6.00 USD |
| 8/30/2026 | 5.98 USD |
| 8/28/2026 | 5.97 USD |
| 8/27/2026 | 5.97 USD |
| 8/26/2026 | 6.00 USD |
| 8/25/2026 | 6.05 USD |
| 8/24/2026 | 6.05 USD |
| 8/21/2026 | 6.05 USD |
| 8/20/2026 | 6.04 USD |
| 8/19/2026 | 6.04 USD |
| 8/18/2026 | 6.07 USD |
| 8/17/2026 | 6.12 USD |
| 8/14/2026 | 6.14 USD |
| 8/13/2026 | 6.09 USD |
| 8/12/2026 | 6.13 USD |
| 8/11/2026 | 6.14 USD |
| 8/10/2026 | 6.14 USD |
| 8/7/2026 | 6.19 USD |
| 8/6/2026 | 6.14 USD |
| 8/5/2026 | 6.04 USD |
| 8/4/2026 | 5.36 USD |
| 8/3/2026 | 5.40 USD |
| 7/31/2026 | 5.41 USD |
| 7/30/2026 | 5.41 USD |
| 7/29/2026 | 5.32 USD |
| 7/27/2026 | 5.36 USD |
| 7/23/2026 | 5.42 USD |
| 7/22/2026 | 5.45 USD |
First Acceptance Revenue, EBIT, Net Income
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First Acceptance Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| EBITM USD |
| EBIT MARGIN% |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| SHARESM |
| 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.00 | 1.00 | 23.00 | 166.00 | 249.00 | 347.00 | 332.00 | 265.00 | 223.00 | 210.00 | 228.00 | 240.00 | 263.00 | 331.00 | 388.00 | 347.00 |
| -66.67 | – | 2,200.00 | 621.74 | 50.00 | 39.36 | -4.32 | -20.18 | -15.85 | -5.83 | 8.57 | 5.26 | 9.58 | 25.86 | 17.22 | -10.57 |
| – | -1.00 | -5.00 | 24.00 | 27.00 | 2.00 | 8.00 | 23.00 | 11.00 | – | -6.00 | 11.00 | 11.00 | 4.00 | -41.00 | 11.00 |
| – | -100.00 | -21.74 | 14.46 | 10.84 | 0.58 | 2.41 | 8.68 | 4.93 | – | -2.63 | 4.58 | 4.18 | 1.21 | -10.57 | 3.17 |
| – | -1.00 | -3.00 | 26.00 | 28.00 | -16.00 | -17.00 | -68.00 | 7.00 | -56.00 | -9.00 | 9.00 | 28.00 | -1.00 | -29.00 | -8.00 |
| – | – | 200.00 | -966.67 | 7.69 | -157.14 | 6.25 | 300.00 | -110.29 | -900.00 | -83.93 | -200.00 | 211.11 | -103.57 | 2,800.00 | -72.41 |
| 20.30 | 20.40 | 25.00 | 49.00 | 49.60 | 47.60 | 47.60 | 47.70 | 48.60 | 48.20 | 40.90 | 41.10 | 41.30 | 41.00 | 41.10 | 41.30 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales First Acceptance generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue First Acceptance retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare First Acceptance's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares First Acceptance has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against First Acceptance's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
First Acceptance stock margins
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First Acceptance Stock Revenue, EBIT, Earnings per Share
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First Acceptance business model & stock analysis
First Acceptance SWOT Analysis
Strengths
First Acceptance Corp has several strengths that contribute to its competitive advantage:
- Strong market presence and brand recognition
- Wide range of insurance products offered
- Efficient and streamlined business operations
- Strong financial performance and stability
- Experienced and skilled management team
Weaknesses
Despite its strengths, First Acceptance Corp also faces certain weaknesses:
- Limited geographical presence
- Relatively small customer base compared to industry leaders
- High dependency on third-party vendors
- Limited diversification of revenue streams
- Vulnerable to regulatory changes and compliance requirements
Opportunities
There are several opportunities that First Acceptance Corp can capitalize on:
- Expansion into new markets and regions
- Introduction of innovative insurance products
- Potential mergers and acquisitions to increase market share
- Increased demand for insurance services due to population growth
- Utilizing technology advancements to enhance customer experience
Threats
First Acceptance Corp faces several threats that pose challenges to its business:
- Intense competition from established insurance providers
- Economic downturns and financial market fluctuations
- Changing customer preferences and behaviors
- Increasing regulatory and compliance requirements
- Emergence of new disruptive technologies
First Acceptance Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
First Acceptance historical P/E ratio, EBIT multiple, and P/S ratio
First Acceptance annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
First Acceptance shares outstanding
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First Acceptance Dividend History
6 years of dividend payments
First Acceptance dividend payout ratio
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First Acceptance Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 11/8/2005 | 0.11USD | - | 62.15 MUSD | - | 2005 Q3 |
| 9/12/2005 | 0.09USD | - | 50.21 MUSD | - | 2005 Q2 |
| 5/12/2005 | 0.11USD | - | 48.62 MUSD | - | 2005 Q1 |
| 2/14/2005 | 0.08USD | - | 39.79 MUSD | - | 2004 Q4 |
First Acceptance shareholder structure
| % | Name |
|---|---|
0.58716% | |
0.15721% |
First Acceptance Beneficial Ownership Filings (SEC 13D/G)
First Acceptance Executives and Management Board
11 members · avg. age 61 · 0 % women
Mr. Brent Gay (40)
Chief Financial Officer, Senior Vice President
483,238.00 USD
Management
Mr. Larry Willeford
President, Chief Executive Officer
Mr. Doug Jensen
Chief Claims Officer
Board of Directors
Mr. Donald Edwards
Independent Director · since 2002
Mr. Mark Kelly (50)
Director · since 2011
Mr. Jeremy Ford (49)
Chairman of the Board · since 2000
Mr. Rhodes Bobbitt (78)
Independent Director
Mr. Ronald H. Davies
Independent Director
Mr. Thomas Nichols (76)
Independent Director
Frequently asked questions about First Acceptance
The business model of First Acceptance Corp focuses on providing insurance services to customers. As a leading insurance company, First Acceptance Corp offers a wide range of coverage options, including auto, motorcycle, and renters insurance. With a customer-centric approach, the company aims to deliver affordable and reliable insurance solutions tailored to meet individual needs. First Acceptance Corp strives to establish long-lasting relationships with its policyholders by ensuring exceptional customer service and efficient claims processing. Through its dedicated team and comprehensive insurance offerings, First Acceptance Corp has positioned itself as a reputable provider in the insurance industry.
First Acceptance Corp is primarily active in the insurance industry.
Some of the main competitors of First Acceptance Corp in the market include Progressive Corporation, Berkshire Hathaway, Allstate Corporation, and GEICO.
First Acceptance Corp is a leading insurance company with a rich history and background. Established in 1969, the company has been providing reliable and affordable auto insurance coverage for over 50 years. First Acceptance Corp specializes in serving non-standard drivers, offering policies tailored to meet their specific needs. The company has grown steadily over the years, expanding its market presence and customer base across several states in the U.S. With a strong focus on customer satisfaction and a commitment to quality service, First Acceptance Corp continues to be a trusted choice for individuals seeking reliable auto insurance solutions.
Some significant milestones achieved by First Acceptance Corp include expanding its customer base and geographical reach, enhancing its technological capabilities, and strengthening its financial position. The company has successfully increased its market share and grown its presence in various states across the US. First Acceptance Corp has also made strategic investments in advanced technologies, allowing for more efficient operations and improved customer service. Additionally, the company has diligently worked to improve its financial stability and profitability, ensuring a strong foundation for future growth. Overall, First Acceptance Corp has achieved noteworthy milestones in terms of market expansion, technological advancements, and financial strength.
First Acceptance Corp is primarily present in the United States.
First Acceptance Corp represents values of integrity, transparency, and commitment to providing exceptional insurance services. With a strong corporate philosophy based on customer-centricity, First Acceptance focuses on building trust and delivering value to its policyholders. By offering affordable coverage options and personalized customer support, the company aims to meet the diverse needs of individuals and businesses alike. First Acceptance Corp prioritizes its customers' peace of mind, aiming to ensure financial security and protection through its range of insurance solutions. These values guide the company's operations, fostering long-term relationships and promoting sustainable growth in the insurance industry.
Converted at the current exchange rate, the First Acceptance share trades at 5.12 EUR (5.95 USD).
First Acceptance Corp. is an American insurance company and a leading company in the automotive insurance market. The company was founded in 1969 and is headquartered in Nashville, Tennessee. First Acceptance Corp. offers a variety of insurance products, including automotive, RV, motorcycle, and boat insurance. The company specializes in selling insurance to drivers with poor vehicle or credit history. This is a market segment that is ignored by many insurance companies but represents a lucrative business field for First Acceptance Corp. The company operates its business through various subsidiaries, including First Acceptance Insurance Company, Inc., First Acceptance Insurance Company of Georgia, Inc., and First Acceptance Services, Inc. These companies offer a wide range of insurance products and services, including direct debit payments, monthly billing, and online access to policies and invoices. First Acceptance Corp. also operates a sales platform called Acceptance Insurance. Acceptance Insurance is a network of retail stores specializing in the sale of automotive insurance, liability, fire, and accident insurance. Acceptance Insurance has over 350 locations in 17 states. Another important component of First Acceptance Corp.'s business model is a high degree of automation and use of technology. The company has made significant investments in IT infrastructure in recent years to optimize and automate the sale and management of insurance. This allows First Acceptance Corp. to operate its business efficiently and cost-effectively and gain a competitive advantage over other insurance companies. Insurance sales are primarily conducted through independent agents and through the company's own distribution network. Customers are reached through various distribution channels such as online platforms and retail outlets. Automation and the use of technology enable customers to quickly submit a quote request online. Overall, First Acceptance Corp.'s business model is focused on offering insurance products at an affordable price while achieving a high level of automation and efficiency. The company has specialized in a market segment that is ignored by many other insurance companies and has thus been able to secure a niche for itself. With investments in technology and automation, the company will also remain competitive in the future and provide customers with a fast and efficient service.
The revenue cannot currently be calculated for First Acceptance.
The profit cannot currently be calculated for First Acceptance.
The P/E ratio cannot be calculated for First Acceptance at the moment.
The P/S cannot be calculated for First Acceptance currently.
The Eulerpool Quality Score for First Acceptance is 3/10.
The ISIN of First Acceptance is US3184571087. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of First Acceptance is A0CA8A. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of First Acceptance is FACO. The ticker symbol is used to trade First Acceptance shares on the stock exchange.
The current dividend yield of First Acceptance is 0.10 %.
First Acceptance pays a dividend, distributed in the months of , , , .
First Acceptance paid dividends every year for the past 0 years.
First Acceptance is assigned to the 'Finance' sector.
To receive the latest dividend of First Acceptance from amounting to 0.11 USD, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
The dividends of First Acceptance are distributed in USD.
First Acceptance stock
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First Acceptance FIGI
All fundamentals and in-depth analysis of First Acceptance
Our stock analysis for First Acceptance stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of First Acceptance. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.