First Acceptance Corporation FACO | OTC
$6.07
$0.11 | 1.85%
SIGNAL:
|2026-09-30
|F&G 54
|RSI 50.4
|2026-09-30
|F&G 54
|RSI 50.4
Company Overview:
Market Cap:
$222.11M
Trailing PE:
6.1x
FWD PE:
—
Payout Ratio (TTM):
0.0%
52-Week Range:
$3.24 - $6.48
10 Year FACO Performance Metrics:
Total Return (with DRIP):
638% (22.12% CAGR)
Total Return (no DRIP):
552% (20.61% CAGR)
Share Price:
501% (19.64% CAGR)
Yield on Cost (with DRIP):
13.37%
Total Invested:
$10,000
Total Value (with DRIP):
$73,765
Total Return $ (with DRIP):
$63,765
Dividend Increase:
0.0% (0.00% CAGR)
Dividend Yield (FWD):
1.81% ($0.11)
FACO 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
FACO Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
FACO Price CAGR:1Y: 71.47%2Y: 36.87%5Y: 23.77%10Y: 19.64%
FACO Dividend Charts
FACO Dividend CAGR:1Y: -0.62%2Y: -0.62%5Y: -0.62%10Y: -0.62%
FACO Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
FACO Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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FACO Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
FACO Revenue CAGR:1Y: -12.46%2Y: -11.63%5Y: 10.80%10Y: 1.83%
FACO EPS CAGR:1Y: 23.81%2Y: 31.66%5Y: 30.01%10Y: 0.00%
FACO Net Income CAGR:1Y: 27.99%2Y: 31.94%5Y: 28.78%10Y: 0.00%
FACO EBITDA CAGR:1Y: 23.63%2Y: 21.70%5Y: 25.22%10Y: 0.00%
FACO Free Cash Flow CAGR:1Y: -16.92%2Y: -24.35%5Y: 15.78%10Y: 0.00%
FACO Free Cash Flow / Share CAGR:1Y: -16.17%2Y: -22.50%5Y: 16.97%10Y: 0.00%
FACO Operating Income CAGR:1Y: 27.82%2Y: 26.34%5Y: 26.15%10Y: -15.70%
FACO Gross Profit CAGR:1Y: 300.89%2Y: -45.25%5Y: -8.51%10Y: -7.47%
FACO Shares Outstanding CAGR:1Y: 1.23%2Y: -1.19%5Y: -0.26%10Y: -0.75%
FACO Share Buybacks CAGR:1Y: -98.81%2Y: -56.70%5Y: 0.00%10Y: 0.00%
FACO Stock-Based Comp CAGR:1Y: 7.75%2Y: 9.33%5Y: 33.93%10Y: 16.23%
FACO Expenses CAGR:1Y: -97.00%2Y: -67.43%5Y: -64.63%10Y: -37.87%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
FACO Actual Revenue CAGR:1Y: -12.46%2Y: -11.63%5Y: 10.80%10Y: 1.83%
FACO Actual EPS CAGR:1Y: 23.81%2Y: 31.66%5Y: 30.01%10Y: 0.00%
FACO Actual Net Income CAGR:1Y: 27.99%2Y: 31.94%5Y: 28.78%10Y: 0.00%
FACO Actual EBITDA CAGR:1Y: 23.63%2Y: 21.70%5Y: 25.22%10Y: 0.00%
Ratios, Profit Margins & Return on Capital:
FACO Net Profit Margin CAGR:1Y: 46.07%2Y: 49.29%5Y: 16.21%10Y: 0.00%
FACO Gross Profit Margin CAGR:1Y: 358.00%2Y: -38.05%5Y: -17.43%10Y: -9.13%
FACO Price to Earnings CAGR:1Y: 29.15%2Y: -11.44%5Y: -4.94%10Y: 0.00%
FACO Price To Sales Ratio CAGR:1Y: 91.05%2Y: 31.48%5Y: 10.25%10Y: 11.17%
FACO Return on Capital Employed CAGR:1Y: -56.55%2Y: -11.12%5Y: 0.34%10Y: 0.00%
FACO Return on Invested Capital CAGR:1Y: -56.51%2Y: 67.43%5Y: 21.58%10Y: 0.00%
FACO Dividends Info:
Annual Dividend:
$0.11
Forward Yield:
1.81%
Ex-Dividend Date:
2021-12-15
Lifetime Dividends / Share:
$13.45
FACO Dividend History: Dates, Payments & Yield list
Below is a schedule of all FACO dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 12/15/2021 | 12/21/2021 | $0.110 | 5.02% | 5.34% | $2.06 |
| 05/19/2021 | 06/04/2021 | $0.270 | 14.67% | 14.21% | $1.90 |
| 06/14/2002 | 06/17/2002 | $0.006 | 0.15% | 0.15% | $4.04 |
| 06/15/2001 | 06/18/2001 | $0.125 | 3.37% | 3.33% | $3.75 |
| 06/16/2000 | 06/19/2000 | $0.094 | 3.26% | 3.26% | $2.88 |
| 06/17/1999 | 06/21/1999 | $0.060 | 1.71% | 1.71% | $3.50 |
| 06/18/1998 | 06/22/1998 | $0.031 | 0.81% | 0.83% | $3.75 |
| 05/08/1990 | 05/10/1990 | $0.210 | 21% | 22.4% | $3.75 |
| 12/12/1989 | 12/14/1989 | $0.300 | 18.81% | 20.41% | $5.88 |
| 11/02/1989 | 11/06/1989 | $0.400 | 16.41% | 18.82% | $8.50 |
| 07/31/1989 | 08/02/1989 | $0.500 | 12.21% | 12.31% | $16.25 |
| 04/21/1989 | 04/24/1989 | $0.540 | 13.19% | 13.19% | $16.38 |
| 12/13/1988 | 12/15/1988 | $0.600 | 12.88% | 12.8% | $18.75 |
| 10/18/1988 | 10/20/1988 | $0.620 | 12.32% | 12.4% | $20.00 |
| 06/14/1988 | 06/16/1988 | $0.640 | 12.12% | 11.97% | $21.38 |
| 03/14/1988 | 03/16/1988 | $0.640 | 12.26% | 11.84% | $21.63 |
| 12/14/1987 | 12/16/1987 | $0.640 | 14.32% | 14.22% | $18.00 |
| 10/09/1987 | 10/12/1987 | $0.620 | 12.02% | 11.88% | $20.88 |
| 07/27/1987 | 07/29/1987 | $0.610 | 10.73% | 10.84% | $22.50 |
| 04/23/1987 | 04/27/1987 | $0.610 | 9.96% | 10.27% | $23.75 |
| 02/02/1987 | 02/04/1987 | $0.610 | 9.04% | 8.83% | $27.63 |
| 10/10/1986 | 10/13/1986 | $0.660 | 8.69% | 8.8% | $30.00 |
| 08/04/1986 | 08/06/1986 | $0.470 | 6.06% | 6.02% | $31.25 |
| 04/17/1986 | 04/21/1986 | $0.870 | 10.55% | 10.67% | $32.63 |
| 01/27/1986 | 01/29/1986 | $0.680 | 10.12% | 10.17% | $26.75 |
| 10/11/1985 | 10/14/1985 | $0.670 | 10.36% | 10.02% | $26.75 |
| 08/05/1985 | 08/07/1985 | $0.650 | 10.2% | 10.14% | $25.63 |
| 04/18/1985 | 04/22/1985 | $0.210 | 10.29% | 10.18% | $24.75 |
| 02/05/1985 | 02/07/1985 | $0.400 | 19.87% | 20.01% | $24.00 |
| 01/15/1985 | 01/17/1985 | $0.600 | 10.88% | 10.71% | $22.42 |
Projected Future Returns & Dividends for FACO
Based on past 10-year performance, here are FACO growth metrics:
Share price CAGR of +19.64%
Dividend CAGR of -0.62%
Using FACO CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| FACO (DRIP) | FACO - No DRIP | |
|---|---|---|
| Current Price | $6.07 | $6.07 |
| Start Shares | 1,647.45 | 1,647.45 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 1,802.15 | 1,647.45 |
| Dividends Payment | $0.10 | $0.10 |
| Annual Dividends | $186 | $170 |
| Yield on cost | 1.86% | 1.70% |
| Share Price | $36.48 | $36.48 |
| Total Dividends | $1,859 | $1,762 |
| Final Value | $65,743 | $61,861 |
Estimated Future Value + Dividends - FACO
NOTE: Above numbers are our estimate based on FACO's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
First Acceptance Corporation (FACO) had its IPO on 1972-06-01, and is traded on OTC stock exchange.
First Acceptance Corporation, together with its subsidiaries, operates as a retailer, servicer, and underwriter of non-standard personal automobile insurance and related products in the United States. It issues non-standard automobile insurance policies to individuals based on their inability or unwillingness to obtain insurance coverage from standard carriers due to various factors, including their payment preference, failure to maintain continuous insurance coverage, or driving record. The company also underwrites auto and motorcycle insurance products; renters, and homeowners; term life insurance products, as well as roadside assistance. The company primarily distributes its products through its retail locations, as well as through call center and internet. First Acceptance Corporation was founded in 1969 and is headquartered in Nashville, Tennessee.
FACO website: https://www.firstacceptance.com
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DCF Model — FACO
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The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
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Pay up to today
—
vs current price $6.07
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
