(FNF) Fidelity National Financial - Ratings and Ratios
Title Insurance, Annuity, Life Insurance, Escrow, Home Warranty
FNF EPS (Earnings per Share)
FNF Revenue
Description: FNF Fidelity National Financial
Fidelity National Financial, Inc. is a multifaceted insurance provider operating primarily in the United States, with a diverse portfolio that includes title insurance, escrow services, and other related products. The companys business is segmented into Title, F&G, and Corporate and Other, catering to various needs within the real estate and mortgage industries, as well as offering annuity and life insurance products.
Analyzing the companys operational scope, its evident that Fidelity National Financial has a significant presence in the title insurance market, providing essential services such as trust activities, trustee sales guarantees, and home warranty products. Additionally, the company extends its services to the real estate brokerage business, further diversifying its revenue streams. The provision of technology and transaction services to the real estate and mortgage industries underscores its role in facilitating these sectors.
From a financial perspective, key performance indicators (KPIs) such as Return on Equity (RoE) at 14.26% indicate a relatively strong profitability level, suggesting effective utilization of shareholder equity. The companys Price-to-Earnings (P/E) ratio stands at 13.53, with a forward P/E of 12.82, implying a potentially stable or improving earnings outlook. With a market capitalization of approximately $14.97 billion, Fidelity National Financial demonstrates a considerable market presence.
To further assess the companys financial health and operational efficiency, other relevant KPIs could include the debt-to-equity ratio, operating margin, and the combined ratio for its insurance businesses. These metrics would provide insights into the companys leverage, profitability from its core operations, and the efficiency of its insurance underwriting, respectively.
Considering the competitive landscape of the insurance and financial services industry, Fidelity National Financials diversified product offerings and segmental operations position it well against peers. However, a detailed comparison of its KPIs with industry averages and competitors would be necessary to ascertain its relative performance and strategic standing.
FNF Stock Overview
| Market Cap in USD | 15,926m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2005-10-14 |
FNF Stock Ratings
| Growth Rating | 56.0% |
| Fundamental | 62.9% |
| Dividend Rating | 67.2% |
| Return 12m vs S&P 500 | -11.4% |
| Analyst Rating | 4.25 of 5 |
FNF Dividends
| Dividend Yield 12m | 4.17% |
| Yield on Cost 5y | 9.71% |
| Annual Growth 5y | 17.64% |
| Payout Consistency | 31.0% |
| Payout Ratio | 43.7% |
FNF Growth Ratios
| Growth Correlation 3m | 83.9% |
| Growth Correlation 12m | -13.7% |
| Growth Correlation 5y | 80.5% |
| CAGR 5y | 22.49% |
| CAGR/Max DD 3y | 0.83 |
| CAGR/Mean DD 3y | 3.94 |
| Sharpe Ratio 12m | 0.59 |
| Alpha | -14.60 |
| Beta | 0.979 |
| Volatility | 24.69% |
| Current Volume | 838.5k |
| Average Volume 20d | 1085.7k |
| Stop Loss | 58.7 (-3%) |
| Signal | -0.57 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (716.0m TTM) > 0 and > 6% of Revenue (6% = 811.6m TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA -1.34pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 526.7% (prev 130.6%; Δ 396.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 6.87b > Net Income 716.0m (YES >=105%, WARN >=100%) |
| Net Debt (-66.90b) to EBITDA (2.26b) ratio: -29.61 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1371 (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 68.57% (prev 88.01%; Δ -19.43pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 15.02% (prev 16.32%; Δ -1.30pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 8.05 (EBITDA TTM 2.26b / Interest Expense TTM 233.0m) >= 6 (WARN >= 3) |
Altman Z'' 4.95
| (A) 0.70 = (Total Current Assets 71.29b - Total Current Liabilities 52.0m) / Total Assets 102.33b |
| (B) 0.06 = Retained Earnings (Balance) 6.07b / Total Assets 102.33b |
| (C) 0.02 = EBIT TTM 1.88b / Avg Total Assets 90.06b |
| (D) 0.05 = Book Value of Equity 4.22b / Total Liabilities 93.51b |
| Total Rating: 4.95 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.93
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield -13.20% = -5.0 |
| 3. FCF Margin 49.73% = 7.50 |
| 4. Debt/Equity 0.50 = 2.38 |
| 5. Debt/Ebitda 1.95 = 0.11 |
| 6. ROIC - WACC 4.36% = 5.45 |
| 7. RoE 8.80% = 0.73 |
| 8. Rev. Trend 54.47% = 2.72 |
| 9. Rev. CAGR 4.66% = 0.58 |
| 10. EPS Trend -1.88% = -0.05 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of FNF shares?
Over the past week, the price has changed by -0.07%, over one month by +0.93%, over three months by +8.75% and over the past year by +5.46%.
Is Fidelity National Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FNF is around 65.09 USD . This means that FNF is currently overvalued and has a potential downside of 7.53%.
Is FNF a buy, sell or hold?
- 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 | 70.3 | 16.1% |
| Analysts Target Price | 70.3 | 16.1% |
| ValueRay Target Price | 72.1 | 19.1% |
Last update: 2025-09-04 04:38
FNF Fundamental Data Overview
CCE Cash And Equivalents = 71.29b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 14.9135
P/E Forward = 12.8205
P/S = 1.1681
P/B = 2.0144
P/EG = 10.83
Beta = 1.061
Revenue TTM = 13.53b USD
EBIT TTM = 1.88b USD
EBITDA TTM = 2.26b USD
Long Term Debt = 4.40b USD (from longTermDebt, last quarter)
Short Term Debt = -3.00m USD (from shortLongTermDebt, last quarter)
Debt = 4.40b USD (Calculated: Short Term -3.00m + Long Term 4.40b)
Net Debt = -66.90b USD (from netDebt column, last quarter)
Enterprise Value = -50.97b USD (15.93b + Debt 4.40b - CCE 71.29b)
Interest Coverage Ratio = 8.05 (Ebit TTM 1.88b / Interest Expense TTM 233.0m)
FCF Yield = -13.20% (FCF TTM 6.73b / Enterprise Value -50.97b)
FCF Margin = 49.73% (FCF TTM 6.73b / Revenue TTM 13.53b)
Net Margin = 5.29% (Net Income TTM 716.0m / Revenue TTM 13.53b)
Gross Margin = 68.57% ((Revenue TTM 13.53b - Cost of Revenue TTM 4.25b) / Revenue TTM)
Tobins Q-Ratio = -12.07 (set to none) (Enterprise Value -50.97b / Book Value Of Equity 4.22b)
Interest Expense / Debt = 1.36% (Interest Expense 60.0m / Debt 4.40b)
Taxrate = 20.88% (367.0m / 1.76b)
NOPAT = 1.48b (EBIT 1.88b * (1 - 20.88%))
Current Ratio = 1371 (Total Current Assets 71.29b / Total Current Liabilities 52.0m)
Debt / Equity = 0.50 (Debt 4.40b / last Quarter total Stockholder Equity 8.82b)
Debt / EBITDA = 1.95 (Net Debt -66.90b / EBITDA 2.26b)
Debt / FCF = 0.65 (Debt 4.40b / FCF TTM 6.73b)
Total Stockholder Equity = 8.14b (last 4 quarters mean)
RoA = 0.70% (Net Income 716.0m, Total Assets 102.33b )
RoE = 8.80% (Net Income TTM 716.0m / Total Stockholder Equity 8.14b)
RoCE = 14.96% (Ebit 1.88b / (Equity 8.14b + L.T.Debt 4.40b))
RoIC = 12.13% (NOPAT 1.48b / Invested Capital 12.23b)
WACC = 7.77% (E(15.93b)/V(20.32b) * Re(9.62%)) + (D(4.40b)/V(20.32b) * Rd(1.36%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 45.26 | Cagr: -0.07%
Discount Rate = 9.62% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.49% ; FCFE base≈6.50b ; Y1≈8.02b ; Y5≈13.68b
Fair Price DCF = 646.8 (DCF Value 175.75b / Shares Outstanding 271.7m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 54.47 | Revenue CAGR: 4.66%
Rev Growth-of-Growth: -4.55
EPS Correlation: -1.88 | EPS CAGR: 0.0%
EPS Growth-of-Growth: -59.87
Additional Sources for FNF Stock
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