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First AcceptanceFACO 68 Debt-to-Equity is 0.22 as of Mar. 2026, which is 65% below its 10-year median of 0.63. 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 406 Insurance companies, First Acceptance ranks worse than 51.48% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for First Acceptance's Debt-to-Equity or its related term are showing as below:
FACO'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.22 Med: 0.63 Max: 1.08
Current: 0.22
During the past 13 years, the highest Debt-to-Equity Ratio of First Acceptance was 1.08. The lowest was 0.22. And the median was 0.63.
FACO's Debt-to-Equity is ranked worse than 51.48% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs FACO: 0.22
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
First Acceptance Debt-to-Equity Related Terms
First Acceptance Debt-to-Equity Historical Data
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The historical data trend for First Acceptance's Debt-to-Equity 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.
For the Insurance - Specialty subindustry, First Acceptance's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, First Acceptance's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where First Acceptance's Debt-to-Equity falls into.
* 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 (FACO) has a Debt-to-Equity of 0.22 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Acceptance and its competitors. This is 65% below median its historical median of 0.63. Over the past decade, First Acceptance's Debt-to-Equity has ranged from 0.22 to 1.08. According to the industry distribution chart, First Acceptance ranks #209 out of 406 companies in the Insurance industry, placing it in the top 51.5%.
Is First Acceptance's Debt-to-Equity too high?
First Acceptance's current Debt-to-Equity of 0.22 is 65% below median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 1.08. The Insurance industry median Debt-to-Equity is 0.20. First Acceptance's value of 0.22 is 10% above this industry median. Based on the distribution chart, First Acceptance ranks #209 out of 406 companies in the Insurance industry, which is below the industry midpoint. 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 Debt-to-Equity compare to JRVR and OSG?
According to the Insurance industry distribution chart, First Acceptance ranks #209 out of 406 companies for Debt-to-Equity. This places First Acceptance in the lower half of its industry. The industry median Debt-to-Equity is 0.20. First Acceptance's value of 0.22 is 10% above this benchmark. Historically, First Acceptance's own Debt-to-Equity has ranged from 0.22 to 1.08 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 0.20, First Acceptance has consistently been above 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 Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Acceptance's current Debt-to-Equity of 0.22 is 10% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Acceptance and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Acceptance's current Debt-to-Equity is 0.22, which is 65% below median its own 10-year median of 0.63. 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 Debt-to-Equity is 0.22, which is 65% below median its 10-year median of 0.63 and 10% above the Insurance industry median of 0.20. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For First Acceptance (FACO), the current Debt-to-Equity is 0.22 as of Mar. 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:
Debt-to-Equity: 0.22 (65% below median its 10-year median of 0.63)
GF Value™: $4.41 vs. price of $5.41 (22.7% above fair value)
Industry Position: 10% above the Insurance median (#209 of 406)
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 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
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