FACO (First Acceptance) Debt-to-Asset : 0.05 (As of Jun. 2026)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FACO First Acceptance Corp FACO
66 GF Score
Price $6.01
GF Value $4.65
Valuation Modestly Overvalued
! 7 Warning Signs
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What is First Acceptance Debt-to-Asset?

First Acceptance FACO -0.54% 66 Debt-to-Asset is 0.05 as of Jun. 2026. GuruFocus rates FACO with a GF Score™ of 66/100 and a GF Value™ of $4.65 (Modestly Overvalued). The stock has 7 warning signs investors should review.

First Acceptance's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $0.0 Mil. First Acceptance's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $45.1 Mil. First Acceptance's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $876.7 Mil. First Acceptance's debt to asset for the quarter that ended in Jun. 2026 was 0.05.


First Acceptance  (OTCPK:FACO) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.


First Acceptance Debt-to-Asset Related Terms


First Acceptance Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for First Acceptance's Debt-to-Asset 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 Debt-to-Asset Chart

First Acceptance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.16 0.16 0.08 0.07 0.05

First Acceptance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset 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 0.06 0.06 0.05 0.05 0.05

FACO vs OSG, MBI, JRVR: Debt-to-Asset Comparison

For the Insurance - Specialty subindustry, First Acceptance's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Insurance Industry

For the Insurance industry and Financial Services sector, First Acceptance's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where First Acceptance's Debt-to-Asset falls into.


FACO
66GF Score
First Acceptance Corp FACO
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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First Acceptance Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

First Acceptance's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

First Acceptance's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.05 mean?
First Acceptance (FACO) has a Debt-to-Asset of 0.05 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on First Acceptance and its competitors.
Is First Acceptance's Debt-to-Asset too high?
First Acceptance's current Debt-to-Asset is 0.05. Overall, First Acceptance has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Acceptance's Debt-to-Asset compare to OSG and MBI?
First Acceptance's Debt-to-Asset of 0.05 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for an Insurance company?
A good Debt-to-Asset depends on the Insurance industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on First Acceptance and its competitors. First Acceptance's current Debt-to-Asset is 0.05. 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 $4.65, compared to a current price of $6.01 — trading 29.1% above its estimated fair value. The current Debt-to-Asset is 0.05. First Acceptance's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For First Acceptance (FACO), the current Debt-to-Asset is 0.05 as of Jun. 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 $6.01 is trading 29.1% above its estimated GF Value™ of $4.65. GuruFocus considers First Acceptance to be Modestly Overvalued.

Key valuation signals for FACO:

  • Debt-to-Asset: 0.05
  • GF Value™: $4.65 vs. price of $6.01 (29.1% above fair value)
  • GF Score™: 66/100 with 7 warning signs

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.
66GF Score

Get the complete analysis for FACO

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$6.01
Price
$4.65
GF Value