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First AcceptanceFACO 68 EV-to-EBIT is 3.89 as of Aug. 01, 2026, which is 199% above its 10-year median of 1.30. 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 345 Insurance companies, First Acceptance ranks better than 84.35% on this metric.
First Acceptance (OTCPK:FACO) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
First Acceptance's Enterprise Value for the quarter that ended in Mar. 2026 was $148.7 Mil.
First Acceptance's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $48.3 Mil.
* 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 EV-to-EBIT Related Terms
First Acceptance EV-to-EBIT Historical Data
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The historical data trend for First Acceptance's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, First Acceptance's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where First Acceptance's EV-to-EBIT falls into.
First Acceptance's current Enterprise Value is $187.8 Mil.
First Acceptance's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $48.3 Mil.
* 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 EV-to-EBIT of 3.89 as of Aug. 01, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on First Acceptance and its competitors. This is 199% above median its historical median of 1.30. According to the industry distribution chart, First Acceptance ranks #54 out of 345 companies in the Insurance industry, placing it in the top 15.7%.
Is First Acceptance's EV-to-EBIT too high?
First Acceptance's current EV-to-EBIT of 3.89 is 199% above median its 10-year median of 1.30. The Insurance industry median EV-to-EBIT is 8.60. First Acceptance's value of 3.89 is 54.8% below this industry median. Based on the distribution chart, First Acceptance ranks #54 out of 345 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 EV-to-EBIT compare to JRVR and OSG?
According to the Insurance industry distribution chart, First Acceptance ranks #54 out of 345 companies for EV-to-EBIT. This places First Acceptance in the top 16% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 8.60. First Acceptance's value of 3.89 is 54.8% below this benchmark. While the company's 10-year median is 1.30 vs. the industry median of 8.60, 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.60, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Acceptance's current EV-to-EBIT of 3.89 is 54.8% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on First Acceptance and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Acceptance's current EV-to-EBIT is 3.89, which is 199% above median its own 10-year median of 1.30. 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 EV-to-EBIT is 3.89, which is 199% above median its 10-year median of 1.30 and 54.8% below the Insurance industry median of 8.60. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For First Acceptance (FACO), the current EV-to-EBIT is 3.89 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:
EV-to-EBIT: 3.89 (199% above median its 10-year median of 1.30)
GF Value™: $4.41 vs. price of $5.41 (22.7% above fair value)
Industry Position: 54.8% below the Insurance median (#54 of 345)
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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