First Acceptance Corporation (FACO)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 270 | 285 | 302 | 488 | 559 | 506 | 482 | - |
| Operating profit | $m | 39 | 48 | ||||||
| Net profit | $m | 10 | -1 | -17 | 74 | 26 | 30 | 38 | - |
| EPS reported | $ | 0.80 | 0.99 | ||||||
| Operating cashflow per share | $ | 1.28 | 0.92 | ||||||
| Capex per share | $ | 0.02 | 0.02 | ||||||
| FCF per share | $ | 1.26 | 0.90 | ||||||
| Free cash flow | $m | 47 | 32 | ||||||
| Net debt | $m | -139 | -10 | ||||||
| Book value equity | $m | 200 | 214 | ||||||
| Book value per share | $ | 5.27 | 5.63 | ||||||
| Number of shares | m | 37.9 | 38.07 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 5.37 | 6.60 | ||||||
| P/B LTM | x | 0.79 | 0.74 | ||||||
| P/S LTM | x | 0.31 | 0.33 | ||||||
| P/FCF LTM | x | 3.41 | 5.03 | ||||||
| EV/EBITDA LTM | x | 2.93 | 2.42 | ||||||
| EV/Sales LTM | x | 0.25 | 0.38 | ||||||
| Earnings Yield LTM | % | +18.62% | +15.15% | ||||||
| FCF Yield | % | +29.31% | +19.88% | ||||||
| Quality | |||||||||
| ROE | % | +15.12% | +18.38% | ||||||
| ROIC | % | +17.04% | +20.73% | ||||||
| Operating margin | % | +7.61% | +8.99% | ||||||
| Gross margin | % | +39.67% | +33.67% | ||||||
| FCF/Sales | % | +9.20% | +6.62% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +19.40% | +47.76% | ||||||
| Sales Growth YoY | % | -9.49% | -13.82% | ||||||
| Net Income Growth YoY | % | +14.97% | +43.45% | ||||||
| FCF Growth | % | -10.09% | -39.03% | ||||||
| Operating Profit Growth | % | +15.27% | +42.81% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 1.02 | 0.70 | ||||||
| Net Debt/EBITDA | x | -0.76 | -0.24 | ||||||
| EBIT/Net interest | x | 11.02 | 13.11 | ||||||
| Net debt/market cap | % | +26.35% | +20.68% | ||||||
| Net debt/Equity | x | -0.70 | -0.04 | ||||||
| Gross debt/equity | x | 0.23 | 0.21 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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; renters, and homeowners; term life insurance products, as well as roadside assistance. The company primarily distributes its products through its retail locations, as well as through call center and internet. First Acceptance Corporation was founded in 1969 and is headquartered in Nashville, Tennessee.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Acceptance Corporation (FACO)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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; renters, and homeowners; term life insurance products, as well as roadside assistance. The company primarily distributes its products through its retail locations, as well as through call center and internet. First Acceptance Corporation was founded in 1969 and is headquartered in Nashville, Tennessee.
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