(FNF) Fidelity National Financial - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US31620R3030
Title Insurance, Escrow, Annuity, Life Insurance, Real Estate Brokerage
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.36% |
| Yield on Cost 5y | 6.40% |
| Yield CAGR 5y | 50.78% |
| Payout Consistency | 31.0% |
| Payout Ratio | 42.4% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 23.5% |
| Value at Risk 5%th | 38.4% |
| Relative Tail Risk | -0.72% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.25 |
| Alpha | -7.67 |
| CAGR/Max DD | 0.72 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.410 |
| Beta | 0.586 |
| Beta Downside | 0.668 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.32% |
| Mean DD | 8.15% |
| Median DD | 6.89% |
Description: FNF Fidelity National Financial October 30, 2025
Fidelity National Financial, Inc. (NYSE:FNF) operates three primary segments-Title, F&G, and Corporate & Other-delivering title insurance, escrow, and related real-estate services; annuity, life, and indexed universal life insurance products; as well as funding agreements and pension-risk-transfer solutions, while also maintaining a real-estate brokerage arm. The firm’s technology and transaction platforms support mortgage lenders and real-estate professionals across the United States.
Key metrics that shape FNF’s outlook include FY 2023 total revenue of approximately $7.6 billion with an operating margin near 13%, and a title-insurance market share of roughly 15%-the largest in the U.S. market. The segment’s performance is highly sensitive to housing-market activity and interest-rate cycles, as higher rates suppress mortgage origination volumes, while lower rates boost title-related demand. Additionally, the PRT and annuity businesses benefit from an aging demographic and a shift toward de-risking corporate pension liabilities, which can provide a steadier fee-based income stream.
For a deeper, data-driven assessment of FNF’s valuation dynamics, you may find the analytics on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (1.17b TTM) > 0 and > 6% of Revenue (6% = 823.0m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -2.53pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 541.9% (prev 481.7%; Δ 60.23pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 5.82b > Net Income 1.17b (YES >=105%, WARN >=100%) |
| Net Debt (1.55b) to EBITDA (2.64b) ratio: 0.59 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1583 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (273.0m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 53.34% (prev 54.61%; Δ -1.26pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 13.63% (prev 13.94%; Δ -0.31pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 7.66 (EBITDA TTM 2.64b / Interest Expense TTM 238.0m) >= 6 (WARN >= 3) |
Altman Z'' 4.94
| (A) 0.70 = (Total Current Assets 74.38b - Total Current Liabilities 47.0m) / Total Assets 106.64b |
| (B) 0.06 = Retained Earnings (Balance) 6.29b / Total Assets 106.64b |
| (C) 0.02 = EBIT TTM 1.82b / Avg Total Assets 100.65b |
| (D) 0.05 = Book Value of Equity 4.69b / Total Liabilities 97.30b |
| Total Rating: 4.94 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 74.99
| 1. Piotroski 4.50pt |
| 2. FCF Yield 33.31% |
| 3. FCF Margin 41.36% |
| 4. Debt/Equity 0.57 |
| 5. Debt/Ebitda 0.59 |
| 6. ROIC - WACC (= 5.47)% |
| 7. RoE 14.65% |
| 8. Rev. Trend 19.15% |
| 9. EPS Trend -21.75% |
What is the price of FNF shares?
As of December 22, 2025, the stock is trading at USD 55.83 with a total of 1,133,183 shares traded.
Over the past week, the price has changed by -0.35%, over one month by -1.11%, over three months by -0.79% and over the past year by +6.43%.
Over the past week, the price has changed by -0.35%, over one month by -1.11%, over three months by -0.79% and over the past year by +6.43%.
Is FNF a buy, sell or hold?
Fidelity National Financial has received a consensus analysts rating of 4.25.
Therefore, it is recommended to buy FNF.
- Strong Buy: 2
- Buy: 1
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the FNF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 69.8 | 25% |
| Analysts Target Price | 69.8 | 25% |
| ValueRay Target Price | 65.5 | 17.3% |
FNF Fundamental Data Overview December 19, 2025
Market Cap USD = 15.76b (15.76b USD * 1.0 USD.USD)
P/E Trailing = 13.4699
P/E Forward = 12.8205
P/S = 1.1207
P/B = 1.8643
P/EG = 10.83
Beta = 1.049
Revenue TTM = 13.72b USD
EBIT TTM = 1.82b USD
EBITDA TTM = 2.64b USD
Long Term Debt = 4.40b USD (from longTermDebt, last quarter)
Short Term Debt = 433.0m USD (from shortTermDebt, last fiscal year)
Debt = 4.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.55b USD (from netDebt column, last quarter)
Enterprise Value = 17.03b USD (15.76b + Debt 4.77b - CCE 3.49b)
Interest Coverage Ratio = 7.66 (Ebit TTM 1.82b / Interest Expense TTM 238.0m)
FCF Yield = 33.31% (FCF TTM 5.67b / Enterprise Value 17.03b)
FCF Margin = 41.36% (FCF TTM 5.67b / Revenue TTM 13.72b)
Net Margin = 8.52% (Net Income TTM 1.17b / Revenue TTM 13.72b)
Gross Margin = 53.34% ((Revenue TTM 13.72b - Cost of Revenue TTM 6.40b) / Revenue TTM)
Gross Margin QoQ = 49.63% (prev 52.20%)
Tobins Q-Ratio = 0.16 (Enterprise Value 17.03b / Total Assets 106.64b)
Interest Expense / Debt = 1.26% (Interest Expense 60.0m / Debt 4.77b)
Taxrate = 18.79% (90.0m / 479.0m)
NOPAT = 1.48b (EBIT 1.82b * (1 - 18.79%))
Current Ratio = 1583 (out of range, set to none) (Total Current Assets 74.38b / Total Current Liabilities 47.0m)
Debt / Equity = 0.57 (Debt 4.77b / totalStockholderEquity, last quarter 8.36b)
Debt / EBITDA = 0.59 (Net Debt 1.55b / EBITDA 2.64b)
Debt / FCF = 0.27 (Net Debt 1.55b / FCF TTM 5.67b)
Total Stockholder Equity = 7.98b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.10% (Net Income 1.17b / Total Assets 106.64b)
RoE = 14.65% (Net Income TTM 1.17b / Total Stockholder Equity 7.98b)
RoCE = 14.74% (EBIT 1.82b / Capital Employed (Equity 7.98b + L.T.Debt 4.40b))
RoIC = 11.99% (NOPAT 1.48b / Invested Capital 12.35b)
WACC = 6.52% (E(15.76b)/V(20.53b) * Re(8.18%) + D(4.77b)/V(20.53b) * Rd(1.26%) * (1-Tc(0.19)))
Discount Rate = 8.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 0.37%
[DCF Debug] Terminal Value 79.77% ; FCFE base≈6.38b ; Y1≈7.35b ; Y5≈10.35b
Fair Price DCF = 642.1 (DCF Value 174.10b / Shares Outstanding 271.1m; 5y FCF grow 17.82% → 3.0% )
EPS Correlation: -21.75 | EPS CAGR: -7.23% | SUE: 1.28 | # QB: 1
Revenue Correlation: 19.15 | Revenue CAGR: -4.16% | SUE: 1.05 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.21 | Chg30d=-0.030 | Revisions Net=-3 | Analysts=5
EPS next Year (2026-12-31): EPS=6.20 | Chg30d=-0.166 | Revisions Net=-3 | Growth EPS=+19.4% | Growth Revenue=+8.1%
P/E Trailing = 13.4699
P/E Forward = 12.8205
P/S = 1.1207
P/B = 1.8643
P/EG = 10.83
Beta = 1.049
Revenue TTM = 13.72b USD
EBIT TTM = 1.82b USD
EBITDA TTM = 2.64b USD
Long Term Debt = 4.40b USD (from longTermDebt, last quarter)
Short Term Debt = 433.0m USD (from shortTermDebt, last fiscal year)
Debt = 4.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.55b USD (from netDebt column, last quarter)
Enterprise Value = 17.03b USD (15.76b + Debt 4.77b - CCE 3.49b)
Interest Coverage Ratio = 7.66 (Ebit TTM 1.82b / Interest Expense TTM 238.0m)
FCF Yield = 33.31% (FCF TTM 5.67b / Enterprise Value 17.03b)
FCF Margin = 41.36% (FCF TTM 5.67b / Revenue TTM 13.72b)
Net Margin = 8.52% (Net Income TTM 1.17b / Revenue TTM 13.72b)
Gross Margin = 53.34% ((Revenue TTM 13.72b - Cost of Revenue TTM 6.40b) / Revenue TTM)
Gross Margin QoQ = 49.63% (prev 52.20%)
Tobins Q-Ratio = 0.16 (Enterprise Value 17.03b / Total Assets 106.64b)
Interest Expense / Debt = 1.26% (Interest Expense 60.0m / Debt 4.77b)
Taxrate = 18.79% (90.0m / 479.0m)
NOPAT = 1.48b (EBIT 1.82b * (1 - 18.79%))
Current Ratio = 1583 (out of range, set to none) (Total Current Assets 74.38b / Total Current Liabilities 47.0m)
Debt / Equity = 0.57 (Debt 4.77b / totalStockholderEquity, last quarter 8.36b)
Debt / EBITDA = 0.59 (Net Debt 1.55b / EBITDA 2.64b)
Debt / FCF = 0.27 (Net Debt 1.55b / FCF TTM 5.67b)
Total Stockholder Equity = 7.98b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.10% (Net Income 1.17b / Total Assets 106.64b)
RoE = 14.65% (Net Income TTM 1.17b / Total Stockholder Equity 7.98b)
RoCE = 14.74% (EBIT 1.82b / Capital Employed (Equity 7.98b + L.T.Debt 4.40b))
RoIC = 11.99% (NOPAT 1.48b / Invested Capital 12.35b)
WACC = 6.52% (E(15.76b)/V(20.53b) * Re(8.18%) + D(4.77b)/V(20.53b) * Rd(1.26%) * (1-Tc(0.19)))
Discount Rate = 8.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 0.37%
[DCF Debug] Terminal Value 79.77% ; FCFE base≈6.38b ; Y1≈7.35b ; Y5≈10.35b
Fair Price DCF = 642.1 (DCF Value 174.10b / Shares Outstanding 271.1m; 5y FCF grow 17.82% → 3.0% )
EPS Correlation: -21.75 | EPS CAGR: -7.23% | SUE: 1.28 | # QB: 1
Revenue Correlation: 19.15 | Revenue CAGR: -4.16% | SUE: 1.05 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.21 | Chg30d=-0.030 | Revisions Net=-3 | Analysts=5
EPS next Year (2026-12-31): EPS=6.20 | Chg30d=-0.166 | Revisions Net=-3 | Growth EPS=+19.4% | Growth Revenue=+8.1%
Additional Sources for FNF Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle