FACO (First Acceptance) Enterprise Value: $187.8 Mil (As of Aug. 01, 2026) ***

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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 Enterprise Value?

First Acceptance FACO 68 Enterprise Value is $187.8 Mil as of Aug. 01, 2026. 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.

Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, First Acceptance's Enterprise Value is $187.8 Mil. First Acceptance's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was $48.3 Mil. Therefore, First Acceptance's EV-to-EBIT ratio for today is 3.89.

EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, First Acceptance's Enterprise Value is $187.8 Mil. First Acceptance's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $49.4 Mil. Therefore, First Acceptance's EV-to-EBITDA ratio for today is 3.80.

EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, First Acceptance's Enterprise Value is $187.8 Mil. First Acceptance's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was $499.6 Mil. Therefore, First Acceptance's EV-to-Revenue ratio for today is 0.38.

EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations. As of today, First Acceptance's Enterprise Value is $187.8 Mil. First Acceptance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $32.8 Mil. Therefore, First Acceptance's EV-to-OCF ratio for today is 5.72.

EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, First Acceptance's Enterprise Value is $187.8 Mil. First Acceptance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $32.2 Mil. Therefore, First Acceptance's EV-to-FCF ratio for today is 5.84.

*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.


First Acceptance  (OTCPK:FACO) Enterprise Value Explanation

When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.

If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.

The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.

For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.

Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.

1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.

First Acceptance's EV-to-EBIT for today is

EV-to-EBIT=Enterprise Value (Today)/EBIT (TTM)
=187.822/48.343
=3.89

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.

2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.

First Acceptance's EV-to-EBITDA for today is:

EV-to-EBITDA=Enterprise Value (Today)/EBITDA(TTM)
=187.822/49.383
=3.80

First Acceptance's current Enterprise Value is $187.8 Mil.
First Acceptance's EBITDA 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 $49.4 Mil.

3. EV-to-Revenue is calculated as Enterprise Value divided by its Revenue.

First Acceptance's EV-to-Revenue for today is:

EV-to-Revenue=Enterprise Value (Today)/Revenue (TTM)
=187.822/499.629
=0.38

First Acceptance's current Enterprise Value is $187.8 Mil.
First Acceptance's Revenue 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 $499.6 Mil.

4. EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations.

First Acceptance's EV-to-OCF for today is:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=187.822/32.813
=5.72

First Acceptance's current Enterprise Value is $187.8 Mil.
First Acceptance's Cash Flow from Operations 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 $32.8 Mil.

5. EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow.

First Acceptance's EV-to-FCF for today is:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=187.822/32.185
=5.84

First Acceptance's current Enterprise Value is $187.8 Mil.
First Acceptance's Free Cash Flow 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 $32.2 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 Enterprise Value Related Terms


First Acceptance Enterprise Value Historical Data

* Premium members only.

The historical data trend for First Acceptance's Enterprise Value 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 Enterprise Value Chart

First Acceptance Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Enterprise Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 59.82 73.23 34.44 22.86 84.60

First Acceptance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Enterprise Value 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 106.88 101.95 122.30 133.28 148.71

FACO vs JRVR, OSG, MBI: Enterprise Value Comparison

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

For the Insurance industry and Financial Services sector, First Acceptance's Enterprise Value distribution charts can be found below:

* The bar in red indicates where First Acceptance's Enterprise Value falls into.


FACO
68GF Score
First Acceptance Corp FACO
Enterprise Value is just one metric. See GF Score™, valuation, warning signs, and more.
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First Acceptance Enterprise Value Calculation

Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

First Acceptance's Enterprise Value for the fiscal year that ended in Dec. 2024 is calculated as

First Acceptance's Enterprise Value for the quarter that ended in Mar. 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 Enterprise Value →
What does a Enterprise Value of $187.8 Mil mean?
First Acceptance (FACO) has a Enterprise Value of $187.8 Mil as of Aug. 01, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on First Acceptance and its competitors.
Is First Acceptance's Enterprise Value too high?
First Acceptance's current Enterprise Value is $187.8 Mil. 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 Enterprise Value compare to JRVR and OSG?
First Acceptance's Enterprise Value of $187.8 Mil 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 Enterprise Value for an Insurance company?
A good Enterprise Value depends on the Insurance industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on First Acceptance and its competitors. First Acceptance's current Enterprise Value is $187.8 Mil. 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 Enterprise Value is $187.8 Mil. 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For First Acceptance (FACO), the current Enterprise Value is $187.8 Mil 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:

  • Enterprise Value: $187.8 Mil
  • GF Value™: $4.41 vs. price of $5.41 (22.7% above fair value)
  • GF Score™: 68/100 with 6 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.
68GF Score

Get the complete analysis for FACO

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

$5.41
Price
$4.41
GF Value