FNF Stock Analysis: Fidelity National Financial | NYSE
Insurance - Specialty | NYSE, USA | Market Cap: 12.278m USD | 12M Return: -19.7% | US31620R3030 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 75.6M
EPS Trend: 96.0%
Qual. Beats: 0
Rev. Trend: 95.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Fidelity National Financial, Inc. (FNF) is a Jacksonville, Florida-based insurance holding company founded in 2005 that operates through three segments: Title, F&G, and Corporate and Other. Its Title segment is the core business, providing title insurance, escrow, and related services such as trust activities, trustee sales guarantees, and home warranty products, along with technology and transaction services to the real estate and mortgage industries. The F&G segment distributes annuity and life insurance products, including deferred and immediate annuities, indexed universal life insurance, funding agreements, and pension risk transfer (PRT) solutions. The company also engages in real estate brokerage.
FNFs title insurance business is closely linked to U.S. real estate transaction volumes, making it sensitive to housing market activity, interest rate movements, and mortgage origination trends. The F&G segment, which was separated as a distinct public entity in 2022, positions FNF in the broader life and annuity market, where indexed universal life and PRT products are growing niches driven by aging demographics and corporate de-risking of pension liabilities.
- Lower mortgage rates boost title insurance order volumes
- F&G segment expands on indexed annuity sales momentum
- Housing market weakness pressures title segment revenue and margins
| Net Income: 772.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.42 > 1.0 |
| NWC/Revenue: 507.0% < 20% (prev 230.4%; Δ 276.6% < -1%) |
| CFO/TA 0.05 > 3% & CFO 5.93b > Net Income 772.0m |
| Net Debt (-7.09b) to EBITDA (3.11b): -2.28 < 3 |
| Current Ratio: 1.89k > 1.5 & < 3 |
| Outstanding Shares: last quarter (267.0m) vs 12m ago -2.20% < -2% |
| Gross Margin: 77.87% > 18% (prev 56.46%; Δ 21.42% > 0.5%) |
| Asset Turnover: 14.09% > 50% (prev 12.99%; Δ 1.10% > 0%) |
| Interest Coverage Ratio: 9.04 > 6 (EBIT TTM 2.20b / Interest Expense TTM 243.0m) |
| A: 0.68 (Total Current Assets 77.5b - Total Current Liabilities 41.0m) / Total Assets 115b |
| B: 0.05 (Retained Earnings 5.73b / Total Assets 115b) |
| C: 0.02 (EBIT TTM 2.20b / Avg Total Assets 108b) |
| D: 0.07 (Book Value of Equity 7.45b / Total Liabilities 106b) |
| Altman-Z'' = 4.81 = AA |
| DSRI: 1.15 (Receivables 21.4b/16.3b, Revenue 15.3b/13.3b) |
| GMI: 0.72 (GM 56.46% / 77.87%) |
| AQI: 0.62 (AQ_t 0.32 / AQ_t-1 0.51) |
| SGI: 1.15 (Revenue 15.3b / 13.3b) |
| TATA: -0.05 (NI 772.0m - CFO 5.93b) / TA 115b) |
| Beneish M = -3.28 (Cap -4..+1) = AA |
As of September 09, 2026, the stock is trading at USD 44.65 with a total of 3,242,324 shares traded. Over the past week, the price has changed by -3.88%, over one month by -6.96%, over three months by -4.06% and over the past year by -19.74%.
Current recommended Stop Loss: 43.00 (which is 3.7% or 1.4 ATR below the current price).
Fidelity National Financial has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy FNF.
- StrongBuy: 2
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 61.4 | 37.5% |
P/E Trailing = 15.9512
P/E Forward = 12.8205
P/S = 0.7999
P/B = 1.7013
P/EG = 0.8538
Revenue TTM = 15.3b USD
EBIT TTM = 2.20b USD
EBITDA TTM = 3.11b USD
Long Term Debt = 4.38b USD (from longTermDebt, last quarter)
Short Term Debt = 130.0m USD (from shortTermDebt, last fiscal year)
Debt = 5.11b USD (from shortLongTermDebtTotal, last quarter) + Leases 364.0m
Net Debt = -7.09b USD (calculated: Debt 5.11b - CCE 12.2b)
Enterprise Value = 5.19b USD (12.3b + Debt 5.11b - CCE 12.2b)
Interest Coverage Ratio = 9.04 (Ebit TTM 2.20b / Interest Expense TTM 243.0m)
EV/FCF = 3.22x (Enterprise Value 5.19b / FCF TTM 1.61b)
FCF Yield = 31.09% (FCF TTM 1.61b / Enterprise Value 5.19b)
FCF Margin = 10.56% (FCF TTM 1.61b / Revenue TTM 15.3b)
Net Margin = 5.05% (Net Income TTM 772.0m / Revenue TTM 15.3b)
Gross Margin = 77.87% ((Revenue TTM 15.3b - Cost of Revenue TTM 3.38b) / Revenue TTM)
Gross Margin QoQ = 68.82% (prev none%)
Tobins Q-Ratio = 0.05 (Enterprise Value 5.19b / Total Assets 115b)
Interest Expense / Debt = 4.76% (Interest Expense 243.0m / Debt 5.11b)
Taxrate = 49.01% (864.0m / 1.76b)
NOPAT = 1.12b (EBIT 2.20b * (1 - 49.01%))
Current Ratio = 19.47 (Total Current Assets 77.5b / Total Current Liabilities 3.98b)
Debt / Equity = 0.69 (Debt 5.11b / totalStockholderEquity, last quarter 7.45b)
Debt / EBITDA = -2.28 (Net Debt -7.09b / EBITDA 3.11b)
Debt / FCF = -4.39 (Net Debt -7.09b / FCF TTM 1.61b)
Total Stockholder Equity = 7.62b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.71% (Net Income 772.0m / Total Assets 115b)
RoE = 10.13% (Net Income TTM 772.0m / Total Stockholder Equity 7.62b)
RoCE = 18.30% (EBIT 2.20b / Capital Employed (Equity 7.62b + L.T.Debt 4.38b))
RoIC = 0.98% (NOPAT 1.12b / Invested Capital 114b)
WACC = 5.12% (E(12.3b)/V(17.4b) * Re(6.24%) + D(5.11b)/V(17.4b) * Rd(4.76%) * (1-Tc(0.49)))
Discount Rate = 6.24% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -74.39 | Cagr: -0.82%
[DCF] Terminal Value 73.29% ; FCFF base≈1.72b ; Y1≈1.52b ; Y5≈1.26b
[DCF] Fair Price = 101.4 (EV 20.1b - Net Debt -7.09b = Equity 27.2b / Shares 268.2m; r=8.35% [WACC [floored]]; 5y FCF grow -13.93% → 2.50% )
EPS Correlation: 96.01 | EPS CAGR: 15.90% | SUE: 0.72 | # QB: 0
Revenue Correlation: 95.35 | Revenue CAGR: 11.31% | SUE: 0.72 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.44 | Chg30d=-2.80% | Revisions=-57% | Analysts=5
EPS current Year (2026-12-31): EPS=5.16 | Chg30d=-0.48% | Revisions=-29% | GrowthEPS=+3.8% | GrowthRev=+3.0%
EPS next Year (2027-12-31): EPS=5.79 | Chg30d=-1.71% | Revisions=+0% | GrowthEPS=+12.2% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: -46% (up=2, down=8)