FACO (First Acceptance) EV-to-FCF: 5.84 (As of Aug. 01, 2026) — 579% 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
View Full Analysis

What is First Acceptance EV-to-FCF?

First Acceptance FACO 68 EV-to-FCF is 5.84 as of Aug. 01, 2026, which is 579% above its 10-year median of 0.86. 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 394 Insurance companies, First Acceptance ranks better than 68.78% on this metric.

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 for today is 5.84.

The historical rank and industry rank for First Acceptance's EV-to-FCF or its related term are showing as below:

FACO' s EV-to-FCF Range Over the Past 10 Years
Min: -49.84   Med: 0.86   Max: 17.74
Current: 5.84

During the past 13 years, the highest EV-to-FCF of First Acceptance was 17.74. The lowest was -49.84. And the median was 0.86.

FACO's EV-to-FCF is ranked better than
68.78% of 394 companies
in the Insurance industry
Industry Median: 9.375 vs FACO: 5.84

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-01), First Acceptance's stock price is $5.41. First Acceptance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.950. Therefore, First Acceptance's PE Ratio (TTM) for today is 5.69.


First Acceptance  (OTCPK:FACO) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

First Acceptance's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=5.41/0.950
=5.69

First Acceptance's share price for today is $5.41.
First Acceptance's Earnings per Share (Diluted) 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 $0.950.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


First Acceptance EV-to-FCF Related Terms


First Acceptance EV-to-FCF Historical Data

* Premium members only.

The historical data trend for First Acceptance's EV-to-FCF 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 EV-to-FCF Chart

First Acceptance Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -37.67 -7.00 -4.35 0.28 1.63

First Acceptance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF 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 2.82 3.04 3.53 2.92 4.62

FACO vs JRVR, OSG, MBI: EV-to-FCF Comparison

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

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

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


FACO
68GF Score
First Acceptance Corp FACO
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Acceptance EV-to-FCF Calculation

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

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.

Frequently Asked Questions Learn more about EV-to-FCF →
What does a EV-to-FCF of 5.84 mean?
First Acceptance (FACO) has a EV-to-FCF of 5.84 as of Aug. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Acceptance and its competitors. This is 579% above median its historical median of 0.86. According to the industry distribution chart, First Acceptance ranks #123 out of 394 companies in the Insurance industry, placing it in the top 31.2%.
Is First Acceptance's EV-to-FCF too high?
First Acceptance's current EV-to-FCF of 5.84 is 579% above median its 10-year median of 0.86. The Insurance industry median EV-to-FCF is 9.38. First Acceptance's value of 5.84 is 37.7% below this industry median. Based on the distribution chart, First Acceptance ranks #123 out of 394 companies in the Insurance industry, which is above 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 EV-to-FCF compare to JRVR and OSG?
According to the Insurance industry distribution chart, First Acceptance ranks #123 out of 394 companies for EV-to-FCF. This puts First Acceptance in the upper half of its industry. The industry median EV-to-FCF is 9.38. First Acceptance's value of 5.84 is 37.7% below this benchmark. While the company's 10-year median is 0.86 vs. the industry median of 9.38, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.38, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Acceptance's current EV-to-FCF of 5.84 is 37.7% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Acceptance and its competitors. For the Insurance industry, the median EV-to-FCF is 9.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Acceptance's current EV-to-FCF is 5.84, which is 579% above median its own 10-year median of 0.86. 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-FCF is 5.84, which is 579% above median its 10-year median of 0.86 and 37.7% below the Insurance industry median of 9.38. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Acceptance (FACO), the current EV-to-FCF is 5.84 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-FCF: 5.84 (579% above median its 10-year median of 0.86)
  • GF Value™: $4.41 vs. price of $5.41 (22.7% above fair value)
  • GF Score™: 68/100 with 6 warning signs
  • Industry Position: 37.7% below the Insurance median (#123 of 394)

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

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

$5.41
Price
$4.41
GF Value