(FNF) Fidelity National Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US31620R3030
Stock: Title Insurance, Annuities, Life Insurance, Escrow Services, Real Estate
Total Rating 28
Risk 80
Buy Signal -1.39
| Risk 5d forecast | |
|---|---|
| Volatility | 26.7% |
| Relative Tail Risk | 0.94% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.77 |
| Alpha | -30.30 |
| Character TTM | |
|---|---|
| Beta | 0.444 |
| Beta Downside | 0.424 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.87% |
| CAGR/Max DD | 0.70 |
EPS (Earnings per Share)
Revenue
Description: FNF Fidelity National Financial March 02, 2026
Fidelity National Financial, Inc. (FNF) operates three primary segments-Title, F&G, and Corporate & Other-offering title insurance, escrow services, real-estate technology solutions, and a suite of annuity and life-insurance products. The firm also provides mortgage-transaction services and engages in real-estate brokerage, positioning itself as a diversified player in the U.S. property-related insurance market.
In its most recent fiscal year (2023), FNF reported revenue of $9.6 billion, an adjusted earnings-per-share of $9.12, and a combined ratio of 94.5% in the Title segment, reflecting operational efficiency. The companys return on equity (ROE) stood at 13.8%, while its market capitalization hovered around $12 billion. Key drivers include the resurgence of residential real-estate activity as mortgage rates stabilize and the growing adoption of digital closing platforms, which boost transaction volumes for title and escrow services.
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Headlines to watch out for
- Mortgage interest rates directly impact title insurance demand
- Real estate transaction volumes drive title and escrow revenue
- Annuity and life insurance sales boost F&G segment profit
- Regulatory changes in real estate finance pose compliance risks
- Investment portfolio performance influences overall profitability
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 602.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -1.45 > 1.0 |
| NWC/Revenue: 532.6% < 20% (prev 342.3%; Δ 190.2% < -1%) |
| CFO/TA 0.06 > 3% & CFO 6.19b > Net Income 602.0m |
| Net Debt (2.13b) to EBITDA (2.42b): 0.88 < 3 |
| Current Ratio: 75.8k > 1.5 & < 3 |
| Outstanding Shares: last quarter (270.0m) vs 12m ago -1.10% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 13.93% > 50% (prev 14.00%; Δ -0.07% > 0%) |
| Interest Coverage Ratio: 6.92 > 6 (EBITDA TTM 2.42b / Interest Expense TTM 242.0m) |
Altman Z'' 4.88
| A: 0.70 (Total Current Assets 75.83b - Total Current Liabilities 1.00m) / Total Assets 109.01b |
| B: 0.05 (Retained Earnings 5.48b / Total Assets 109.01b) |
| C: 0.02 (EBIT TTM 1.67b / Avg Total Assets 102.19b) |
| D: 0.04 (Book Value of Equity 3.81b / Total Liabilities 100.04b) |
| Altman-Z'' Score: 4.88 = AA |
Beneish M -4.00
| DSRI: 0.03 (Receivables 473.0m/13.85b, Revenue 14.24b/13.35b) |
| GMI: 0.62 (GM 98.16% / 60.98%) |
| AQI: 0.57 (AQ_t 0.30 / AQ_t-1 0.51) |
| SGI: 1.07 (Revenue 14.24b / 13.35b) |
| TATA: -0.05 (NI 602.0m - CFO 6.19b) / TA 109.01b) |
| Beneish M-Score: -4.42 (Cap -4..+1) = AAA |
What is the price of FNF shares?
As of March 13, 2026, the stock is trading at USD 47.19 with a total of 1,917,567 shares traded.
Over the past week, the price has changed by -7.41%, over one month by -18.46%, over three months by -15.64% and over the past year by -19.58%.
Over the past week, the price has changed by -7.41%, over one month by -18.46%, over three months by -15.64% and over the past year by -19.58%.
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.
- StrongBuy: 2
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FNF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 67.2 | 42.4% |
| Analysts Target Price | 67.2 | 42.4% |
FNF Fundamental Data Overview March 13, 2026
P/E Trailing = 22.7636
P/E Forward = 12.8205
P/S = 0.9368
P/B = 1.8529
P/EG = 0.8538
Revenue TTM = 14.24b USD
EBIT TTM = 1.67b USD
EBITDA TTM = 2.42b USD
Long Term Debt = 4.40b USD (from longTermDebt, last quarter)
Short Term Debt = 130.0m USD (from shortTermDebt, last quarter)
Debt = 4.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.13b USD (from netDebt column, last quarter)
Enterprise Value = -38.84b USD (13.59b + Debt 4.77b - CCE 57.20b)
Interest Coverage Ratio = 6.92 (Ebit TTM 1.67b / Interest Expense TTM 242.0m)
EV/FCF = -6.43x (Enterprise Value -38.84b / FCF TTM 6.04b)
FCF Yield = -15.56% (FCF TTM 6.04b / Enterprise Value -38.84b)
FCF Margin = 42.45% (FCF TTM 6.04b / Revenue TTM 14.24b)
Net Margin = 4.23% (Net Income TTM 602.0m / Revenue TTM 14.24b)
Gross Margin = unknown ((Revenue TTM 14.24b - Cost of Revenue TTM 262.0m) / Revenue TTM)
Tobins Q-Ratio = -0.36 (set to none) (Enterprise Value -38.84b / Total Assets 109.01b)
Interest Expense / Debt = 1.28% (Interest Expense 61.0m / Debt 4.77b)
Taxrate = 21.0% (US default 21%)
NOPAT = 1.32b (EBIT 1.67b * (1 - 21.00%))
Current Ratio = 75.8k (out of range, set to none) (Total Current Assets 75.83b / Total Current Liabilities 1.00m)
Debt / Equity = 0.64 (Debt 4.77b / totalStockholderEquity, last quarter 7.42b)
Debt / EBITDA = 0.88 (Net Debt 2.13b / EBITDA 2.42b)
Debt / FCF = 0.35 (Net Debt 2.13b / FCF TTM 6.04b)
Total Stockholder Equity = 7.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.59% (Net Income 602.0m / Total Assets 109.01b)
RoE = 7.63% (Net Income TTM 602.0m / Total Stockholder Equity 7.89b)
RoCE = 13.62% (EBIT 1.67b / Capital Employed (Equity 7.89b + L.T.Debt 4.40b))
RoIC = 10.76% (NOPAT 1.32b / Invested Capital 12.29b)
WACC = 5.85% (E(13.59b)/V(18.36b) * Re(7.55%) + D(4.77b)/V(18.36b) * Rd(1.28%) * (1-Tc(0.21)))
Discount Rate = 7.55% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.70%
[DCF] Terminal Value 87.63% ; FCFF base≈6.29b ; Y1≈7.25b ; Y5≈10.19b
[DCF] Fair Price = 1.10k (EV 299.36b - Net Debt 2.13b = Equity 297.23b / Shares 271.0m; r=5.90% [WACC]; 5y FCF grow 17.82% → 2.90% )
EPS Correlation: 6.53 | EPS CAGR: 0.77% | SUE: -0.19 | # QB: 0
Revenue Correlation: 66.42 | Revenue CAGR: 7.82% | SUE: 0.93 | # QB: 2
EPS next Quarter (2026-06-30): EPS=1.58 | Chg7d=-0.054 | Chg30d=-0.080 | Revisions Net=-3 | Analysts=5
EPS current Year (2026-12-31): EPS=5.97 | Chg7d=-0.164 | Chg30d=-0.215 | Revisions Net=-3 | Growth EPS=+20.0% | Growth Revenue=+10.5%
EPS next Year (2027-12-31): EPS=6.52 | Chg7d=-0.452 | Chg30d=-0.641 | Revisions Net=-2 | Growth EPS=+9.3% | Growth Revenue=+5.2%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 3.6% (Discount Rate 7.9% - Earnings Yield 4.4%)
[Growth] Growth Spread = +8.0% (Analyst 11.5% - Implied 3.6%)
P/E Forward = 12.8205
P/S = 0.9368
P/B = 1.8529
P/EG = 0.8538
Revenue TTM = 14.24b USD
EBIT TTM = 1.67b USD
EBITDA TTM = 2.42b USD
Long Term Debt = 4.40b USD (from longTermDebt, last quarter)
Short Term Debt = 130.0m USD (from shortTermDebt, last quarter)
Debt = 4.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.13b USD (from netDebt column, last quarter)
Enterprise Value = -38.84b USD (13.59b + Debt 4.77b - CCE 57.20b)
Interest Coverage Ratio = 6.92 (Ebit TTM 1.67b / Interest Expense TTM 242.0m)
EV/FCF = -6.43x (Enterprise Value -38.84b / FCF TTM 6.04b)
FCF Yield = -15.56% (FCF TTM 6.04b / Enterprise Value -38.84b)
FCF Margin = 42.45% (FCF TTM 6.04b / Revenue TTM 14.24b)
Net Margin = 4.23% (Net Income TTM 602.0m / Revenue TTM 14.24b)
Gross Margin = unknown ((Revenue TTM 14.24b - Cost of Revenue TTM 262.0m) / Revenue TTM)
Tobins Q-Ratio = -0.36 (set to none) (Enterprise Value -38.84b / Total Assets 109.01b)
Interest Expense / Debt = 1.28% (Interest Expense 61.0m / Debt 4.77b)
Taxrate = 21.0% (US default 21%)
NOPAT = 1.32b (EBIT 1.67b * (1 - 21.00%))
Current Ratio = 75.8k (out of range, set to none) (Total Current Assets 75.83b / Total Current Liabilities 1.00m)
Debt / Equity = 0.64 (Debt 4.77b / totalStockholderEquity, last quarter 7.42b)
Debt / EBITDA = 0.88 (Net Debt 2.13b / EBITDA 2.42b)
Debt / FCF = 0.35 (Net Debt 2.13b / FCF TTM 6.04b)
Total Stockholder Equity = 7.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.59% (Net Income 602.0m / Total Assets 109.01b)
RoE = 7.63% (Net Income TTM 602.0m / Total Stockholder Equity 7.89b)
RoCE = 13.62% (EBIT 1.67b / Capital Employed (Equity 7.89b + L.T.Debt 4.40b))
RoIC = 10.76% (NOPAT 1.32b / Invested Capital 12.29b)
WACC = 5.85% (E(13.59b)/V(18.36b) * Re(7.55%) + D(4.77b)/V(18.36b) * Rd(1.28%) * (1-Tc(0.21)))
Discount Rate = 7.55% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.70%
[DCF] Terminal Value 87.63% ; FCFF base≈6.29b ; Y1≈7.25b ; Y5≈10.19b
[DCF] Fair Price = 1.10k (EV 299.36b - Net Debt 2.13b = Equity 297.23b / Shares 271.0m; r=5.90% [WACC]; 5y FCF grow 17.82% → 2.90% )
EPS Correlation: 6.53 | EPS CAGR: 0.77% | SUE: -0.19 | # QB: 0
Revenue Correlation: 66.42 | Revenue CAGR: 7.82% | SUE: 0.93 | # QB: 2
EPS next Quarter (2026-06-30): EPS=1.58 | Chg7d=-0.054 | Chg30d=-0.080 | Revisions Net=-3 | Analysts=5
EPS current Year (2026-12-31): EPS=5.97 | Chg7d=-0.164 | Chg30d=-0.215 | Revisions Net=-3 | Growth EPS=+20.0% | Growth Revenue=+10.5%
EPS next Year (2027-12-31): EPS=6.52 | Chg7d=-0.452 | Chg30d=-0.641 | Revisions Net=-2 | Growth EPS=+9.3% | Growth Revenue=+5.2%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 3.6% (Discount Rate 7.9% - Earnings Yield 4.4%)
[Growth] Growth Spread = +8.0% (Analyst 11.5% - Implied 3.6%)