FACO (First Acceptance) Cyclically Adjusted PS Ratio: 0.48 (As of Aug. 01, 2026) — 167% Above Median

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FACO First Acceptance Corp FACO
68 GF Score
Price $5.41
GF Value $4.41
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Acceptance Cyclically Adjusted PS Ratio?

First Acceptance FACO 68 Cyclically Adjusted PS Ratio is 0.48 as of Aug. 01, 2026, which is 167% above its 10-year median of 0.18. GuruFocus rates FACO with a GF Score™ of 68/100 and a GF Value™ of $4.41 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 412 Insurance companies, First Acceptance ranks better than 83.74% on this metric.

As of today (2026-08-01), First Acceptance's current share price is $5.41. First Acceptance's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $11.27. First Acceptance's Cyclically Adjusted PS Ratio for today is 0.48.

The historical rank and industry rank for First Acceptance's Cyclically Adjusted PS Ratio or its related term are showing as below:

FACO' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.08   Med: 0.18   Max: 0.5
Current: 0.48

During the past years, First Acceptance's highest Cyclically Adjusted PS Ratio was 0.50. The lowest was 0.08. And the median was 0.18.

FACO's Cyclically Adjusted PS Ratio is ranked better than
83.74% of 412 companies
in the Insurance industry
Industry Median: 1.215 vs FACO: 0.48

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

First Acceptance's adjusted revenue per share data for the three months ended in Mar. 2026 was $3.130. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $11.27 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


First Acceptance  (OTCPK:FACO) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


First Acceptance Cyclically Adjusted PS Ratio Related Terms


First Acceptance Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for First Acceptance's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Acceptance Cyclically Adjusted PS Ratio Chart

First Acceptance Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.19 0.26 0.08 0.22 0.29

First Acceptance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.35 0.30 0.32 0.38 0.39

FACO vs JRVR, OSG, MBI: Cyclically Adjusted PS Ratio Comparison

For the Insurance - Specialty subindustry, First Acceptance's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


First Acceptance Cyclically Adjusted PS Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, First Acceptance's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where First Acceptance's Cyclically Adjusted PS Ratio falls into.


FACO
68GF Score
First Acceptance Corp FACO
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Acceptance Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

First Acceptance's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=5.41/11.27
=0.48

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Acceptance's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, First Acceptance's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.13/330.2130*330.2130
=3.130

Current CPI (Mar. 2026) = 330.2130.

First Acceptance Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 2.502 241.018 3.428
201609 2.485 241.428 3.399
201612 2.135 241.432 2.920
201703 2.139 243.801 2.897
201706 2.221 244.955 2.994
201709 2.085 246.819 2.789
201712 1.992 246.524 2.668
201803 2.000 249.554 2.646
201806 2.086 251.989 2.734
201809 1.943 252.439 2.542
201812 1.760 251.233 2.313
201903 1.832 254.202 2.380
201906 1.836 256.143 2.367
201909 1.694 256.759 2.179
201912 1.619 256.974 2.080
202003 1.536 258.115 1.965
202006 1.814 257.797 2.324
202009 1.817 260.280 2.305
202012 1.749 260.474 2.217
202103 1.786 264.877 2.227
202106 1.913 271.696 2.325
202109 1.997 274.310 2.404
202112 1.750 278.802 2.073
202203 1.783 287.504 2.048
202206 1.857 296.311 2.069
202209 2.034 296.808 2.263
202212 2.324 296.797 2.586
202303 2.578 301.836 2.820
202306 2.948 305.109 3.191
202309 3.482 307.789 3.736
202312 3.682 306.746 3.964
202403 3.755 312.332 3.970
202406 4.044 314.175 4.250
202409 3.304 315.301 3.460
202412 3.236 315.605 3.386
202503 3.238 319.799 3.343
202506 3.740 322.561 3.829
202509 3.746 324.800 3.808
202512 2.644 324.054 2.694
202603 3.130 330.213 3.130

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

What does a Cyclically Adjusted PS Ratio of 0.48 mean?
First Acceptance (FACO) has a Cyclically Adjusted PS Ratio of 0.48 as of Aug. 01, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on First Acceptance and its competitors. This is 167% above median its historical median of 0.18. Over the past decade, First Acceptance's Cyclically Adjusted PS Ratio has ranged from 0.08 to 0.50. According to the industry distribution chart, First Acceptance ranks #67 out of 412 companies in the Insurance industry, placing it in the top 16.3%.
Is First Acceptance's Cyclically Adjusted PS Ratio too high?
First Acceptance's current Cyclically Adjusted PS Ratio of 0.48 is 167% above median its 10-year median of 0.18. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.50. The Insurance industry median Cyclically Adjusted PS Ratio is 1.22. First Acceptance's value of 0.48 is 60.5% below this industry median. Based on the distribution chart, First Acceptance ranks #67 out of 412 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, First Acceptance has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Acceptance's Cyclically Adjusted PS Ratio compare to JRVR and OSG?
According to the Insurance industry distribution chart, First Acceptance ranks #67 out of 412 companies for Cyclically Adjusted PS Ratio. This places First Acceptance in the top 16% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PS Ratio is 1.22. First Acceptance's value of 0.48 is 60.5% below this benchmark. Historically, First Acceptance's own Cyclically Adjusted PS Ratio has ranged from 0.08 to 0.50 over the past decade. While the company's 10-year median is 0.18 vs. the industry median of 1.22, First Acceptance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for an Insurance company?
The median Cyclically Adjusted PS Ratio among Insurance companies is 1.22, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Acceptance's current Cyclically Adjusted PS Ratio of 0.48 is 60.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on First Acceptance and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Acceptance's current Cyclically Adjusted PS Ratio is 0.48, which is 167% above median its own 10-year median of 0.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Acceptance stock overvalued right now?
Based on GuruFocus' analysis, First Acceptance (FACO) is currently considered Modestly Overvalued. The stock's GF Value™ is $4.41, compared to a current price of $5.41 — trading 22.7% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.48, which is 167% above median its 10-year median of 0.18 and 60.5% below the Insurance industry median of 1.22. First Acceptance's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For First Acceptance (FACO), the current Cyclically Adjusted PS Ratio is 0.48 as of Aug. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Acceptance (FACO) Overvalued in 2026?

Based on GuruFocus' analysis, First Acceptance stock appears to be overvalued. The current stock price of $5.41 is trading 22.7% above its estimated GF Value™ of $4.41. GuruFocus considers First Acceptance to be Modestly Overvalued.

Key valuation signals for FACO:

  • Cyclically Adjusted PS Ratio: 0.48 (167% above median its 10-year median of 0.18)
  • GF Value™: $4.41 vs. price of $5.41 (22.7% above fair value)
  • GF Score™: 68/100 with 6 warning signs
  • Industry Position: 60.5% below the Insurance median (#67 of 412)

No single metric tells the full story. See the FACO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Acceptance Business Description

Address 3813 Green Hills Village Drive, Nashville, TN, USA, 37215
First Acceptance Corp is engaged in the financial services sector. It is principally a retailer, servicer, and underwriter of non-standard personal automobile insurance. The company's operations generate revenue from selling non-standard personal automobile insurance products and related products in the United States. Its suite of products comprises auto insurance, renters, motorcycle, roadside assistance, and hospital insurance. the company also operates a real estate and corporate segment, which consists of the activities related to the disposition of foreclosed real estate held for sale, interest expenses associated with all debt, and other general corporate overhead expenses.
68GF Score

Get the complete analysis for FACO

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.41
Price
$4.41
GF Value