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First AcceptanceFACO 68 OCF Margin % is 1.63% as of Mar. 2026, which is 36% above its 10-year median of 1.20. 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 501 Insurance companies, First Acceptance ranks worse than 62.48% on this metric.
The historical data trend for First Acceptance's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, First Acceptance's OCF Margin % distribution charts can be found below:
* The bar in red indicates where First Acceptance's OCF Margin % 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 OCF Margin % of 1.63% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Acceptance and its competitors. This is 36% above median its historical median of 1.20. According to the industry distribution chart, First Acceptance ranks #313 out of 501 companies in the Insurance industry, placing it in the top 62.5%.
Is First Acceptance's OCF Margin % too high?
First Acceptance's current OCF Margin % of 1.63% is 36% above median its 10-year median of 1.20. The Insurance industry median OCF Margin % is 10.93. First Acceptance's value of 1.63% is 85.1% below this industry median. Based on the distribution chart, First Acceptance ranks #313 out of 501 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 OCF Margin % compare to JRVR and OSG?
According to the Insurance industry distribution chart, First Acceptance ranks #313 out of 501 companies for OCF Margin %. This places First Acceptance in the lower half of its industry. The industry median OCF Margin % is 10.93. First Acceptance's value of 1.63% is 85.1% below this benchmark. While the company's 10-year median is 1.20 vs. the industry median of 10.93, 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.93, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Acceptance's current OCF Margin % of 1.63% is 85.1% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Acceptance and its competitors. For the Insurance industry, the median OCF Margin % is 10.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Acceptance's current OCF Margin % is 1.63%, which is 36% above median its own 10-year median of 1.20. 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 OCF Margin % is 1.63%, which is 36% above median its 10-year median of 1.20 and 85.1% below the Insurance industry median of 10.93. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Acceptance (FACO), the current OCF Margin % is 1.63% 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:
OCF Margin %: 1.63% (36% above median its 10-year median of 1.20)
GF Value™: $4.41 vs. price of $5.41 (22.7% above fair value)
Industry Position: 85.1% below the Insurance median (#313 of 501)
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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