SeeBITDAOklahoma

Fred Loya Insurance

  • 3713 Southwestern Ave, Oklahoma City, OK
  • 6 locations
  • Since 1974
Estimated valueLow confidence
$7.1M
$2.6Mlikely range$10.6M
About 5.4× its yearly profit, typical for a company this size in its industry.
Revenue
$4.8M
a year
Profit (EBITDA)
$1.3M
27% of revenue
Employees
—
not reported
Fred Loya Sr.
Founder · source
Likely to sell

How we got $7.1M

Based on typical figures for its industry (2022 Economic Census), not its own records.

A typical insurance agencies business in Oklahoma$4.8M
Revenue$4.8M
× 27% profit margin$1.3M
× 5.4 sale multiple = value$7.1M

· Own this business? Correct these figures

What we know

No PPP loan
No 401(k) filing
No reported financials
Company website
Owner named
6 locations found

Signs of a sale Likely to sell

  • In business 52 years (since 1974)
  • Founder still runs it after 52 years

From public records and the company's website, not a statement that it's for sale.

What they do

Fred Loya Insurance sells affordable car insurance coverage with multiple discounts, offering quotes by phone or online and in-person offices across 12 states.

Products & services
LiabilityComprehensiveCollisionMedicalPersonal Injury ProtectionRental ReimbursementRoadside AssistanceCar Insurance CoverageAuto Policies
Markets served
Drivers
Service area
ArizonaCaliforniaColoradoNew MexicoOklahomaTexasIndianaTennessee

From the company's website. Industry: Insurance agencies.

Compared with similar businesses nearby

BusinessEst. revenueEst. profitDistance
Fred Loya Insurance
this business
$4.8M$1.3M—
PORTILLO INSURANCE AGENCY INC
Oklahoma City · 4 employees
$799K$262K0.4 mi
Ciani Portillo
Oklahoma City
$806K$310K0.5 mi
NUEVO CENTRAL INSURANCE AGENCY, LLC
Oklahoma City · 4 employees
$815K$267K0.5 mi
AARVIN INSURANCE SERVICES LLC
Oklahoma City · 8 employees
$1.5M$454K0.6 mi
Thunder Insurance
Oklahoma City
$806K$310K0.6 mi
PCG Insurance
Oklahoma City
$806K$310K0.6 mi

The full calculation

Figures are shown toward the upper part of their range rather than at its middle.

Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.

Estimated value = EBITDA × typical sale multiple$7.1M
Multiple for this size and industry5.4×
Value range$2.6M – $10.6M

This business has no PPP loan on record, so there is no business-specific data. The figures are the typical estimated revenue of Agencies, brokerages, and other insurance related activities businesses in our Oklahoma data: the middle value, with the range covering the middle half of those businesses. EBITDA applies the industry margin (27%). Treat these as a rough guide.

Revenue range$2.2M – $6.0M
EBITDA range$603K – $1.6M
Industry (NAICS)Agencies, brokerages, and other insurance related activities (5242)

EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.

Benchmarks: US Economic Census 2022, OK. These are statistical estimates, not reported financials. Listing details come from Overture Maps open data. Full methodology

People & advisors

Founded 1974 by Fred Loya Sr.
“Started with a single store front in El Paso Texas in 1974.”

From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.

6 locations

3713 Southwestern AveOklahoma CityThis listing
1104 SE 44th StOklahoma CityView
2701 SW 29th StOklahoma CityView
415 SW 59th StOklahoma CityView
1546 N Lewis AveTulsaView
3123 S Garnett RdTulsaView

Revenue, profit and value are for the whole company.

Public records

Matched to this business by name and address from public government data; a match can occasionally be wrong.

About Fred Loya Insurance

Fred Loya Insurance is an insurance agencies company in Oklahoma City, Oklahoma, in business since 1974. It is owned by Fred Loya Sr. (Founder). Its estimated annual revenue is about $4.8M, with roughly $1.3M of EBITDA. Its estimated business value is $7.1M (likely range $2.6M–$10.6M). It has 6 locations.

Common questions

Who owns Fred Loya Insurance?
Fred Loya Insurance is owned by Fred Loya Sr. (Founder), according to public sources such as the company's website or filings.
How much revenue does Fred Loya Insurance make?
SeeBITDA estimates Fred Loya Insurance's annual revenue at about $4.8M (likely between $2.2M and $6.0M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
What is Fred Loya Insurance worth?
About $7.1M, roughly 5.4× its estimated EBITDA of $1.3M, typical for a insurance agencies company its size. Likely range: $2.6M–$10.6M.
When was Fred Loya Insurance founded?
Fred Loya Insurance has been in business since 1974.
Is Fred Loya Insurance for sale?
There's no public listing, but it shows signs that often come before a sale: in business 52 years (since 1974); founder still runs it after 52 years.