FNF Stock Analysis: Fidelity National Financial | NYSE
Insurance - Specialty | NYSE, USA | Market Cap: 13.275m USD | 12M Return: 5.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 80.6M
EPS Trend: 74.0%
Qual. Beats: -1
Rev. Trend: 94.8%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 762.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.44 > 1.0 |
| NWC/Revenue: -122.9% < 20% (prev 231.3%; Δ -354.2% < -1%) |
| CFO/TA 0.05 > 3% & CFO 5.95b > Net Income 762.0m |
| Net Debt (-6.89b) to EBITDA (2.92b): -2.36 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (269.0m) vs 12m ago -1.47% < -2% |
| Gross Margin: 74.15% > 18% (prev 62.68%; Δ 11.47% > 0.5%) |
| Asset Turnover: 14.24% > 50% (prev 13.02%; Δ 1.22% > 0%) |
| Interest Coverage Ratio: 8.33 > 6 (EBIT TTM 2.02b / Interest Expense TTM 243.0m) |
| A: -0.17 (Total Current Assets 2.77b - Total Current Liabilities 21.0b) / Total Assets 110b |
| B: 0.05 (Retained Earnings 5.59b / Total Assets 110b) |
| C: 0.02 (EBIT TTM 2.02b / Avg Total Assets 104b) |
| D: 0.07 (Book Value of Equity 7.25b / Total Liabilities 101b) |
| Altman-Z'' = -0.71 = B |
| DSRI: 0.10 (Receivables 308.0m/15.2b, Revenue 14.8b/12.8b) |
| GMI: 0.85 (GM 62.68% / 74.15%) |
| AQI: 1.86 (AQ_t 0.97 / AQ_t-1 0.52) |
| SGI: 1.16 (Revenue 14.8b / 12.8b) |
| TATA: -0.05 (NI 762.0m - CFO 5.95b) / TA 110b) |
| Beneish M = -3.29 (Cap -4..+1) = AA |
As of July 11, 2026, the stock is trading at USD 49.53 with a total of 1,020,685 shares traded. Over the past week, the price has changed by +1.41%, over one month by +5.19%, over three months by +5.57% and over the past year by +5.10%.
Current recommended Stop Loss: 47.80 (which is 3.5% or 1.5 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 | 61.6 | 24.4% |
P/E Trailing = 17.3053
P/E Forward = 8.2988
P/S = 0.8871
P/B = 1.8122
P/EG = 0.8538
Revenue TTM = 14.8b USD
EBIT TTM = 2.02b USD
EBITDA TTM = 2.92b USD
Long Term Debt = 4.40b USD (from longTermDebt, last quarter)
Short Term Debt = 130.0m USD (from shortTermDebt, last fiscal year)
Debt = 5.14b USD (from shortLongTermDebtTotal, last quarter) + Leases 367.0m
Net Debt = -6.89b USD (calculated: Debt 5.14b - CCE 12.0b)
Enterprise Value = 6.39b USD (13.3b + Debt 5.14b - CCE 12.0b)
Interest Coverage Ratio = 8.33 (Ebit TTM 2.02b / Interest Expense TTM 243.0m)
EV/FCF = 3.98x (Enterprise Value 6.39b / FCF TTM 1.61b)
FCF Yield = 25.14% (FCF TTM 1.61b / Enterprise Value 6.39b)
FCF Margin = 10.85% (FCF TTM 1.61b / Revenue TTM 14.8b)
Net Margin = 5.15% (Net Income TTM 762.0m / Revenue TTM 14.8b)
Gross Margin = 74.15% ((Revenue TTM 14.8b - Cost of Revenue TTM 3.83b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.06 (Enterprise Value 6.39b / Total Assets 110b)
Interest Expense / Debt = 4.73% (Interest Expense 243.0m / Debt 5.14b)
Taxrate = 49.50% (899.0m / 1.82b)
NOPAT = 1.02b (EBIT 2.02b * (1 - 49.50%))
Current Ratio = 0.11 (Total Current Assets 2.77b / Total Current Liabilities 24.3b)
Debt / Equity = 0.71 (Debt 5.14b / totalStockholderEquity, last quarter 7.25b)
Debt / EBITDA = -2.36 (Net Debt -6.89b / EBITDA 2.92b)
Debt / FCF = -4.29 (Net Debt -6.89b / FCF TTM 1.61b)
Total Stockholder Equity = 7.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.73% (Net Income 762.0m / Total Assets 110b)
RoE = 9.85% (Net Income TTM 762.0m / Total Stockholder Equity 7.73b)
RoCE = 16.68% (EBIT 2.02b / Capital Employed (Equity 7.73b + L.T.Debt 4.40b))
RoIC = 0.94% (NOPAT 1.02b / Invested Capital 109b)
WACC = 5.73% (E(13.3b)/V(18.4b) * Re(7.02%) + D(5.14b)/V(18.4b) * Rd(4.73%) * (1-Tc(0.50)))
Discount Rate = 7.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -10.89 | Cagr: -0.33%
[DCF] Terminal Value 73.26% ; FCFF base≈1.71b ; Y1≈1.51b ; Y5≈1.24b
[DCF] Fair Price = 99.64 (EV 19.9b - Net Debt -6.89b = Equity 26.8b / Shares 269.2m; r=8.35% [WACC [floored]]; 5y FCF grow -14.12% → 2.50% )
EPS Correlation: 74.05 | EPS CAGR: 23.53% | SUE: -0.90 | # QB: -1
Revenue Correlation: 94.77 | Revenue CAGR: 10.72% | SUE: -1.01 | # QB: -1
EPS current Quarter (2026-06-30): EPS=1.36 | Chg30d=-2.29% | Revisions=-40% | Analysts=5
EPS next Quarter (2026-09-30): EPS=1.49 | Chg30d=-2.69% | Revisions=-40% | Analysts=5
EPS current Year (2026-12-31): EPS=5.24 | Chg30d=-1.57% | Revisions=-40% | GrowthEPS=+5.5% | GrowthRev=+2.7%
EPS next Year (2027-12-31): EPS=5.90 | Chg30d=-1.34% | Revisions=-40% | GrowthEPS=+12.7% | GrowthRev=+7.2%
[Analyst] Revisions Ratio: -73% (up=0, down=8)