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First Acceptance Corporation (FACO) Fair Value & Analysis

Financial Services · US · Market cap $198M

Price$5.40
Fair Value$10.65
Upside+97.2%
Quality95/100
Evidence: High Range $7.99 – $13.31

Fair value as of: Jun 26, 2026

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Analysis

First Acceptance Corporation (FACO) currently trades at $5.40, while our model-based Fair Value estimate is $10.65 — implying the stock looks roughly 97.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

First Acceptance Corporation, together with its subsidiaries, operates as an insurance holding company that underwrites non-standard personal automobile insurance and related products in the United States. The company 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. It also underwrites auto insurance, renters insurance, life insurance, as well as roadside assistance. The company primarily distributes its products through its retail locations. First Acceptance Corporation was founded in 1969 and is headquartered in Nashville, Tennessee.

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Frequently asked questions

Is First Acceptance Corporation (FACO) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $10.65 versus a price of $5.40 — about +97% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FACO?
Our 21-model fair value for First Acceptance Corporation is $10.65 (as of Jun 26, 2026), built from audited fundamentals. The current price is $5.40.
What is the quality score of FACO?
First Acceptance Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.