FACO

First Acceptance Corporation

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Price alert · FACO

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6.08 USD -0.02 -0.33%
As of Oct 30, 2026
6.00 Day range 6.10
3.25 52-week range 6.35
YTD
+44.08%
1 year
+85.37%
Open
6.00
Prev close
6.10
Mkt cap
224.70M
Vol
101
Avg vol
11.11K
EPS
1.00
P/E
6.08
More statistics
Low
6.00
High
6.10

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Financial health

Altman Z-Score

1.15 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

S-5 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E 5.2×
FY 2016: -1.5×FY 2017: -5.8×FY 2018: 2.4×FY 2019: 2.1×FY 2020: 5.4×FY 2021: -67.1×FY 2022: -1.6×FY 2023: 1.1×FY 2024: 4.4×FY 2025: 5.2×
FY 2016 5y median 1.1× FY 2025
P/S 0.3×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
P/B 0.8×
FY 2016: 0.6×FY 2017: 0.8×FY 2018: 0.5×FY 2019: 0.3×FY 2020: 0.5×FY 2021: 0.9×FY 2022: 0.4×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.7× FY 2025
P/FCF 3.4×
FY 2016: -2.7×FY 2017: 6.1×FY 2018: 9.7×FY 2019: -3.4×FY 2020: -35.5×FY 2021: -7.9×FY 2022: -3.3×FY 2023: 1.0×FY 2024: 2.2×FY 2025: 3.4×
FY 2016 5y median 1.0× FY 2025
EV/EBITDA 2.9×
FY 2016: 0.2×FY 2017: 0.4×FY 2018: 1.2×FY 2019: 0.7×FY 2020: 3.3×FY 2021: 73.6×FY 2022: -2.0×FY 2023: 0.2×FY 2024: 2.2×FY 2025: 2.9×
FY 2016 5y median 2.2× FY 2025
EV/Sales 0.2×
FY 2016: -0.0×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
FCF Yield 29.3%
FY 2016: -37.4%FY 2017: 16.4%FY 2018: 10.3%FY 2019: -29.3%FY 2020: -2.8%FY 2021: -12.7%FY 2022: -30.0%FY 2023: 103.8%FY 2024: 44.8%FY 2025: 29.3%
FY 2016 5y median 29.3% FY 2025

Profitability

Gross Margin 39.7%
FY 2016: -9.2%FY 2017: 36.5%FY 2018: 9.7%FY 2019: 9.6%FY 2020: 7.2%FY 2021: 0.7%FY 2022: -5.0%FY 2023: 6.9%FY 2024: 7.2%FY 2025: 39.7%
FY 2016 5y median 6.9% FY 2025
Operating Margin 7.6%
FY 2016: -11.6%FY 2017: 1.9%FY 2018: 7.0%FY 2019: 6.7%FY 2020: 5.1%FY 2021: -0.9%FY 2022: -7.3%FY 2023: 20.3%FY 2024: 6.0%FY 2025: 7.6%
FY 2016 5y median 6.0% FY 2025
Net Margin 6.0%
FY 2016: -7.5%FY 2017: -2.5%FY 2018: 5.5%FY 2019: 5.2%FY 2020: 3.9%FY 2021: -0.4%FY 2022: -5.8%FY 2023: 15.2%FY 2024: 4.7%FY 2025: 6.0%
FY 2016 5y median 4.7% FY 2025
ROE 15.1%
FY 2016: -40.4%FY 2017: -13.3%FY 2018: 22.2%FY 2019: 15.2%FY 2020: 9.3%FY 2021: -1.3%FY 2022: -26.7%FY 2023: 52.1%FY 2024: 15.5%FY 2025: 15.1%
FY 2016 5y median 15.1% FY 2025
ROIC 17.0%
FY 2016: -6.4%FY 2017: -1.8%FY 2018: 3.5%FY 2019: 4.6%FY 2020: 2.9%FY 2021: -0.4%FY 2022: -5.5%FY 2023: 19.6%FY 2024: 6.0%FY 2025: 17.0%
FY 2016 5y median 6.0% FY 2025
ROA 4.2%
FY 2016: -7.3%FY 2017: -2.2%FY 2018: 4.6%FY 2019: 4.3%FY 2020: 3.1%FY 2021: -0.4%FY 2022: -4.9%FY 2023: 13.0%FY 2024: 3.9%FY 2025: 4.2%
FY 2016 5y median 3.9% FY 2025

Growth (YoY)

Revenue -9.5%
FY 2016: 17.4%FY 2017: -10.8%FY 2018: -6.8%FY 2019: -9.6%FY 2020: -7.9%FY 2021: 5.8%FY 2022: 6.0%FY 2023: 61.3%FY 2024: 14.7%FY 2025: -9.5%
FY 2016 FY 2025
Operating Income 15.3%
FY 2016: -1654.7%FY 2017: 114.6%FY 2018: 243.2%FY 2019: -12.8%FY 2020: -30.8%FY 2021: -118.9%FY 2022: -753.7%FY 2023: 549.5%FY 2024: -66.3%FY 2025: 15.3%
FY 2016 FY 2025
EPS (diluted) 19.4%
FY 2016: -1410.6%FY 2017: 70.4%FY 2018: 304.8%FY 2019: -14.0%FY 2020: -27.0%FY 2021: -111.9%FY 2022: -1328.6%FY 2023: 517.4%FY 2024: -65.1%FY 2025: 19.4%
FY 2016 FY 2025
Free Cash Flow -10.1%
FY 2016: -160.2%FY 2017: 151.4%FY 2018: -46.0%FY 2019: -318.1%FY 2020: 83.6%FY 2021: -558.5%FY 2022: 22.5%FY 2023: 1134.8%FY 2024: -38.2%FY 2025: -10.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 2.1×FY 2020: 2.4×FY 2021: 2.2×FY 2022: 2.1×FY 2023: 1.7×FY 2024: 1.7×FY 2025: 0.5×
FY 2016 5y median 1.7× FY 2025
Quick Ratio 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 2.1×FY 2020: 3.5×FY 2021: 3.4×FY 2022: 3.3×FY 2023: 1.7×FY 2024: 1.7×FY 2025: 0.5×
FY 2016 5y median 1.7× FY 2025
Debt / Equity 0.2×
FY 2016: 1.0×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.8×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -0.8×
FY 2016: 1.3×FY 2017: -3.2×FY 2018: -0.3×FY 2019: -0.5×FY 2020: 0.3×FY 2021: -8.9×FY 2022: -0.4×FY 2023: -0.6×FY 2024: -0.8×FY 2025: -0.8×
FY 2016 5y median -0.8× FY 2025
Interest Coverage 11.0×
FY 2016: -10.4×FY 2017: 1.5×FY 2018: 4.6×FY 2019: 4.0×FY 2020: 5.7×FY 2021: -1.5×FY 2022: -9.2×FY 2023: 25.9×FY 2024: 8.6×FY 2025: 11.0×
FY 2016 5y median 8.6× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 17.6%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: -1180.6%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31