FACO (First Acceptance) Shiller PE Ratio: (As of Sep. 21, 2026)

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Director of Data and Quant Analytics at GuruFocus
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FACO First Acceptance Corp FACO
66 GF Score
Price $6.13
GF Value $4.69
Valuation Modestly Overvalued
! 7 Warning Signs
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What is First Acceptance Shiller PE Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


First Acceptance  (OTCPK:FACO) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


First Acceptance Shiller PE Ratio Related Terms


First Acceptance Shiller PE Ratio Historical Data

* Premium members only.

The historical data trend for First Acceptance's Shiller PE Ratio 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 Shiller PE Ratio Chart

First Acceptance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 26.34 10.80 9.06 13.96 13.65

First Acceptance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Shiller PE Ratio 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 13.01 12.28 13.56 12.19 11.82

FACO vs OSG, MBI, JRVR: Shiller PE Ratio Comparison

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

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

* The bar in red indicates where First Acceptance's Shiller PE Ratio falls into.


FACO
66GF Score
First Acceptance Corp FACO
Shiller PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Acceptance Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

First Acceptance's E10 for the quarter that ended in Jun. 2026 is calculated as:

For example, First Acceptance's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.2647/333.9520*333.9520
=0.265

Current CPI (Jun. 2026) = 333.9520.

First Acceptance Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201609 -0.008 241.428 -0.011
201612 -0.086 241.432 -0.120
201703 0.018 243.801 0.024
201706 -0.022 244.955 -0.030
201709 0.049 246.819 0.066
201712 -0.253 246.524 -0.343
201803 0.132 249.554 0.176
201806 0.115 251.989 0.152
201809 0.124 252.439 0.164
201812 0.057 251.233 0.075
201903 0.156 254.202 0.205
201906 0.145 256.143 0.189
201909 0.115 256.759 0.150
201912 -0.049 256.974 -0.064
202003 -0.044 258.115 -0.057
202006 0.169 257.797 0.218
202009 0.105 260.280 0.134
202012 0.048 260.474 0.061
202103 0.054 264.877 0.068
202106 0.074 271.696 0.091
202109 -0.014 274.310 -0.017
202112 -0.148 278.802 -0.178
202203 -0.083 287.504 -0.096
202206 -0.094 296.311 -0.106
202209 -0.229 296.808 -0.258
202212 -0.057 296.797 -0.064
202303 0.031 301.836 0.034
202306 0.083 305.109 0.090
202309 0.188 307.789 0.204
202312 1.618 306.746 1.762
202403 0.179 312.332 0.191
202406 0.149 314.175 0.158
202409 0.138 315.301 0.146
202412 0.209 315.605 0.221
202503 0.075 319.799 0.079
202506 0.209 322.561 0.217
202509 0.273 324.800 0.281
202512 0.243 324.054 0.251
202603 0.217 330.213 0.219
202606 0.265 333.952 0.265

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is First Acceptance (FACO) Overvalued in 2026?

Based on GuruFocus' analysis, First Acceptance stock appears to be overvalued. The current stock price of $6.13 is trading 30.7% above its estimated GF Value™ of $4.69. GuruFocus considers First Acceptance to be Modestly Overvalued.

Key valuation signals for FACO:

  • Shiller PE Ratio:
  • GF Value™: $4.69 vs. price of $6.13 (30.7% above fair value)
  • GF Score™: 66/100 with 7 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.
66GF Score

Get the complete analysis for FACO

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

$6.13
Price
$4.69
GF Value