FNF Stock Analysis: Fidelity National Financial | NYSE
Insurance - Specialty | NYSE, USA | Market Cap: 10.460m USD | 12M Return: -24% | US31620R3030 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 119M
EPS Trend: 96.0%
Qual. Beats: 0
Rev. Trend: 95.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 U.S.-based insurance provider operating through three main segments: Title, F&G, and Corporate and Other. The Title segment is the companys core business, offering title insurance, escrow services, and related products such as trust activities, trustee sales guarantees, and home warranties. It also supplies technology and transaction services to the real estate and mortgage industries, including mortgage loan production and management support. The F&G segment provides annuity and life insurance products-including deferred and immediate annuities, indexed universal life insurance, funding agreements, and pension risk transfer (PRT) solutions. Additionally, the company operates a real estate brokerage business. FNF was incorporated in 2005 and is headquartered in Jacksonville, Florida.
As a large-cap member of the Financials sector classified under Property & Casualty Insurance, FNFs title insurance operations are closely correlated with U.S. residential and commercial real estate transaction volumes. Its F&G segment reflects a strategic expansion into the retirement and longevity solutions market, where pension risk transfer has become an increasingly important growth area as corporations look to offload defined benefit pension obligations to insurers.
- Existing home sales decline pressures title premium revenue
- F&G annuity segment margins expand on higher interest rates
- Mortgage rate volatility curbs refinance origination volumes
| 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 October 09, 2026, the stock is trading at USD 39.77 with a total of 2,317,256 shares traded. Over the past week, the price has changed by +1.69%, over one month by -9.85%, over three months by -17.61% and over the past year by -24.01%.
Current recommended Stop Loss: 38.20 (which is 3.9% or 1.4 ATR below the current price).
Fidelity National Financial has received a consensus analysts rating of 4.40. Therefore, it is recommended to buy FNF.
- StrongBuy: 3
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 60 | 50.9% |
P/E Trailing = 13.5417
P/E Forward = 12.8205
P/S = 0.6814
P/B = 1.506
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 = 3.37b USD (10.5b + Debt 5.11b - CCE 12.2b)
Interest Coverage Ratio = 9.04 (Ebit TTM 2.20b / Interest Expense TTM 243.0m)
EV/FCF = 2.09x (Enterprise Value 3.37b / FCF TTM 1.61b)
FCF Yield = 47.86% (FCF TTM 1.61b / Enterprise Value 3.37b)
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 = 0.03 (Enterprise Value 3.37b / 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 = 5.03% (E(10.5b)/V(15.6b) * Re(6.30%) + D(5.11b)/V(15.6b) * Rd(4.76%) * (1-Tc(0.49)))
Discount Rate = 6.30% (= 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=1.41 | Chg30d=-1.41% | Revisions=-57% | Analysts=5
EPS current Year (2026-12-31): EPS=5.12 | Chg30d=-0.81% | Revisions=-29% | GrowthEPS=+2.9% | GrowthRev=+3.0%
EPS next Year (2027-12-31): EPS=5.69 | Chg30d=-1.66% | Revisions=+0% | GrowthEPS=+11.3% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: -46% (up=2, down=8)