Fidelity National Financial, Inc. FNF

41.42 0.60 1.47% as of 25 Sep
Market cap
$11.0B
P/E
14.6×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 7.88
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 1 — 1 — — 1 — 2 — — —
Insider Ownership 5.29%

Capital & Financial Ratios

Market Cap 10,950.00
Revenue 15,358.00
Net Income 900.00
Free Cash Flow 5,428.00
Net Debt 796.00
Current Ratio 0.25
Debt/Equity 0.50
P/E ratio 14.62
P/S ratio 0.72
P/B ratio 1.26
Past 5Y EPS Growth 3.94%
This Y EPS Growth 3.27%
Next Y EPS Growth 11.95%
Next 5Y EPS Growth 7.72%
in millions of $

Dividends

Payout Ratio 1.32
Annual Dividend Rate 1.80
Annual Dividend Yield 3.60%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 2.07
0.52
0.52
0.52
2025 1.95
0.48
0.48
0.48
0.50
2024 1.87
0.46
0.46
0.46
0.48
2023 1.76
0.43
0.43
0.43
0.46
2022 3.22
0.41
0.41
0.41
1.56
0.43
2021 1.45
0.33
0.33
0.37
0.41
2020 1.25
0.31
0.31
0.31
0.33
2019 1.18
0.29
0.29
0.29
0.01
0.31
2018 1.11
0.28
0.28
0.28
0.28
2017 14.01
0.17
0.17
0.17
13.50
0.01
2016 0.59
0.14
0.14
0.14
0.17
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 2,767 3,479 2,636 3,582
Receivables 9,419 13,851 18,024 21,405
Inventory — — — —
Other — — — —
12,186 17,330 20,660 24,987
2023 2024 2025 Q'26
Payables 12,232 14,260 17,186 17,614
ST’ Debt — — — —
Other 55,881 67,162 76,917 81,855
68,113 81,422 94,103 99,469
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 8.04% 6.03% 7.69%
Cash Flow 19.88% 29.86% 10.20%
Earnings 1.34% (15.85%) (22.51%)
Book Value 3.14% 1.35% 10.95%

Revenue

Mar Jun Sep Dec Year
’26 3,226 4,051 — — —
’25 2,729 3,635 4,030 4,051 14,445
’24 3,299 3,158 3,603 3,621 13,681
’23 2,474 3,068 2,778 3,432 11,752
’22 3,167 2,635 3,206 2,557 11,565
’21 3,100 3,854 3,892 4,809 15,655
’20 1,612 2,420 2,976 3,770 10,778
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 875 1,871 — — —
’25 1,115 1,896 1,311 1,506 5,828
’24 1,591 1,363 2,366 1,495 6,815
’23 1,418 1,721 1,076 2,263 6,478
’22 667 828 1,482 1,378 4,355
’21 665 851 1,084 1,490 4,090
’20 105 448 412 613 1,578
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 848 1,835 — — —
’25 1,078 1,858 1,273 1,472 5,681
’24 1,556 1,322 2,326 1,465 6,669
’23 1,384 1,686 1,044 2,232 6,346
’22 629 794 1,455 1,339 4,217
’21 643 822 1,042 1,452 3,959
’20 86 428 385 569 1,468
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.90 1.08 — — —
’25 0.29 0.98 1.28 (0.43) 2.21
’24 0.88 1.08 0.94 1.59 4.48
’23 (0.21) 0.78 1.51 (0.24) 1.84
’22 1.35 1.88 1.01 0.24 3.95
’21 2.01 1.85 2.48 3.09 8.14
’20 (0.21) 1.07 1.24 2.63 4.81
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
18.91 22.42 27.35 28.51 17.62 33.12 32.00 30.70 45.18 48.80

Analyst estimates 2026–2028

Powerpack
Low Price
25.78 37.78 39.43 44.88 45.69 49.14 52.33 49.64 62.52 64.34
High Price
55,219 24,367 23,436 25,063 27,058 28,000 21,759 1,200 23,533 24,535
Employees
0 0 0 0 0 1 1 10 1 1
Revenue/Emp
7,257 7,663 7,594 8,469 10,778 15,655 11,565 11,752 13,681 14,445
Revenue
72.47% 72.74% 72.89% 73.34% 66.46% 63.25% 63.77% 52.68% 55.57% 55.13%
Gross Margin
955 864 750 1,369 1,784 3,558 1,730 693 1,742 1,397
EBT
13.16% 11.27% 9.88% 16.16% 16.55% 22.73% 14.96% 5.90% 12.73% 9.67%
EBT Margin
692 794 635 1,076 1,452 2,817 1,306 518 1,391 679
Net Income
431 389 182 178 296 432 491 593 739 844
Depreciation
20.64 21.99 26.82 29.92 36.60 52.97 40.55 43.53 50.48 53.30
Revenue/Sh
2.31 2.35 2.22 3.75 4.84 8.20 3.98 1.84 4.52 2.22
Earnings/Sh
3.31 2.12 3.33 3.96 5.36 13.84 15.27 23.99 25.15 21.51
Cash Flow/Sh
(0.81) (0.42) (0.22) (0.32) (0.37) (0.44) (0.48) (0.49) (0.54) (0.54)
Capex/Sh
2.50 1.70 3.11 3.63 4.98 13.40 14.79 23.50 24.61 20.96
Free CF/Sh
19.62 12.82 16.35 18.95 28.50 32.00 23.04 27.63 31.48 33.11
Book Value/Sh
352 348 283 283 295 296 285 270 271 271
Shares
9.89 15.16 13.14 11.24 7.61 5.10 8.09 25.82 12.00 25.68
PE Ratio
1.10 1.62 1.09 1.41 0.99 0.91 0.90 1.10 1.07 1.02
PS Ratio
1.16 2.78 1.78 2.22 1.27 1.51 1.58 1.73 1.72 1.65
PB Ratio
1.09 1.58 1.03 1.34 0.99 0.83 0.98 1.19 1.13 1.15
EV/Sales
9.03 20.40 8.89 11.05 7.23 3.29 2.69 2.21 2.33 2.91
EV/FCF
1,162 737 943 1,121 1,578 4,090 4,355 6,478 6,815 5,828
Op' Cash Flow
(284) (145) (62) (92) (110) (131) (138) (132) (146) (147)
Capex
878 592 881 1,029 1,468 3,959 4,217 6,346 6,669 5,681
FCF
(1,049) (1,018) (877) (881) (31,192) (37,857) (45,814) (55,927) (64,092) (73,443)
Working Cap'
987 759 836 838 2,662 3,096 3,238 3,887 4,321 4,400
Total Debt
(62) (351) (421) (538) (57) (1,264) 952 1,120 842 1,764
Net Debt
6,898 4,467 4,628 5,365 8,392 9,457 6,569 7,460 8,532 8,972
Sh' Equity
4.57% 6.51% 6.81% 10.63% 4.67% 5.03% 2.06% 0.71% 1.44% 0.59%
ROA
8.73% 13.12% 11.14% 17.73% 13.38% 27.14% 14.38% 5.05% 11.61% 8.13%
ROIC
9.64% 13.57% 13.81% 21.25% 20.75% 31.34% 16.15% 7.37% 15.88% 6.88%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Fidelity National Financial, Inc. peers in Insurance Specialty

All 17 Insurance Specialty stocks →

Fidelity National Financial, Inc. (FNF) key facts

  • Fidelity National Financial, Inc. (FNF) is an Insurance Specialty company in the Financial sector, listed on the New York Stock Exchange.
  • Fidelity National Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $14.4 billion, up 5.58% from fiscal 2024.
  • As of September 25, 2026, FNF traded at $41.42, a market capitalization of $11.0 billion.
  • Fidelity National Financial, Inc. pays an annual dividend of $1.80 per share, a yield of 3.60%, with a payout ratio of 131.6%.
  • Return on equity was 6.88% and debt-to-equity 0.50.

Source: company filings (standardised) and stockrow calculations.

Fidelity National Financial, Inc. (FNF) Latest News

News by impact score

Fine-tune

2 Sep

3

First American's housing business faces pressure from high mortgage rates. High mortgage rates pressure housing and title operations in the sector where FNF competes.

13 Aug

3

Fidelity National Financial held its Q2 earnings call featuring analyst questions focused on operational results, market conditions, and strategic outlook. Earnings call questions reveal analyst priorities that can moderately shape near-term investor views on FNF performance.

8 Aug

3 transcript

FNF reported Q2 results and management highlighted financial performance, operational metrics, strategic priorities, and market outlook during the earnings call. Quarterly earnings updates typically influence near-term sentiment and valuation without fundamentally altering long-term trajectory.

6 Aug

4 transcript

Fidelity National Financial Inc posted record title margins in its Q2 2026 earnings call. Record title margins indicate strong profitability gains that can lift investor sentiment and share performance.

3 transcript

Fidelity National Financial, Inc. released its Q2 2026 earnings call summary, detailing quarterly financial results, operational metrics, and management commentary on business performance and outlook. Quarterly earnings updates deliver financial data that can shift short-term investor views but rarely drive major long-term strategic changes.

5 Aug

3

FNF shares could trade 18% below fair value following Q2 earnings. Q2 earnings point to potential 18% undervaluation that may shift investor views on FNF performance.

3

Fidelity National Financial’s Q2 CY2026 sales exceeded analyst estimates. Quarterly sales beat can lift short-term stock price and investor sentiment without altering long-term trajectory.

3

FNF reported second quarter 2026 financial results. Quarterly earnings releases supply financial data that can shift investor sentiment and near-term stock movement.

26 Jun

3

FNF stands out as one insurance stock worth attention while two peers face operational and market challenges. Positive mention of FNF can moderately lift investor sentiment and near-term share performance.

16 May

3

Fidelity National Financial reported Q1 results with analysts posing five primary questions on performance drivers, margins, and growth outlook during the earnings call. Analyst questions from the Q1 call highlight operational and strategic points likely to shape near-term investor sentiment and valuation.

11 May

4

Fidelity National Financial (FNF) terminates its quota share reinsurance agreement with F&G Annuities & Life, allowing F&G to reinsure its $14 billion fixed annuity block externally with Athene and others, reducing FNF's longevity risk exposure by $450 million in capital and refocusing on core title insurance. Exiting F&G reinsurance frees $450 million in capital and eliminates longevity risk, enabling FNF to concentrate on core title insurance and improving financial flexibility.

10 May

4

Fidelity National Financial (FNF) Q1 earnings call highlights key financial results, strategic updates, and forward guidance. Q1 earnings call highlights detail financial performance and outlook, significantly impacting investor sentiment and stock trajectory.

7 May

4

Fidelity National Financial, Inc. (FNF) released Q1 2026 earnings call summary highlighting financial performance, revenue, net income, and future outlook. Q1 earnings summaries disclose key financial metrics and guidance that significantly shape investor expectations and stock trajectory.

6 May

3

Fidelity National Financial (FNF) Q1 earnings and revenues missed analyst estimates. Q1 earnings and revenue shortfalls directly impact financial performance and investor sentiment with moderate but limited long-term effects.

3

Fidelity National Financial (NYSE:FNF) reported Q1 CY2026 sales below analyst expectations. Q1 CY2026 sales miss highlights revenue shortfalls, impacting financial performance and investor sentiment moderately.

3

Fidelity National Financial, Inc. (FNF) reported first quarter 2026 financial results. Quarterly earnings reports provide key insights into financial performance with moderate influence on stock price and investor sentiment.

29 Apr

3

Fidelity National Financial (FNF) reports earnings next week, with Wall Street expecting growth. Upcoming earnings report with expected growth may moderately influence FNF's financial performance and investor sentiment.

27 Apr

4

Fidelity National Financial (FNF) excels as a volatility harvester, thriving and generating strong returns amid market chaos through its resilient business model in title insurance and real estate services. Highlighting FNF's strength in volatile markets signals major positive shifts in investor sentiment and competitive positioning.

25 Apr

3

Fidelity National Financial (FNF) earnings story is shifting, signaling changes in financial narrative and performance outlook. Shifting earnings story moderately influences FNF's financial performance and market sentiment without fundamentally altering trajectory.

18 Apr

3

Fidelity National Financial (FNF) shares rose over 5% today after third-quarter earnings beat analyst expectations, reporting adjusted EPS of $1.55 versus $1.41 estimated and revenue of $2.95 billion topping $2.89 billion forecast, while raising full-year outlook amid strong title insurance demand. Earnings beat signals moderately positive financial performance but remains a routine quarterly update unlikely to fundamentally alter long-term trajectory.

5 Apr

4

Fidelity National Financial (FNF) valuation scrutinized amid AI analyst downgrade coinciding with new leadership transition and updated guidance. New leadership, fresh guidance, and AI downgrade represent major strategic and sentiment shifts poised to significantly impact FNF's trajectory and performance.

10 Mar

4

Fidelity National Financial distributes its stake in F&G to shareholders and shifts valuation strategy to refocus on core operations. Stake distribution and valuation shift represent major strategic restructuring to streamline operations and boost shareholder value.

3

Fidelity National Financial (FNF) investment narrative shifts as valuation debate widens, prompting reassessment of its market worth amid evolving analyst views. Widening valuation debate moderately influences investor sentiment and FNF's market performance without fundamentally altering core operations.

3 Mar

4

Fidelity National Financial (FNF) reported strong 2025 results while remaining undervalued. Strong 2025 results indicate robust financial performance that could significantly enhance investor sentiment and stock trajectory.

24 Feb

3

Fidelity National Financial achieved record title growth while facing margin compression and dividend payout strains. Record title growth provides upside but is counterbalanced by margin and dividend pressures, yielding moderate overall impact on financial trajectory.

23 Feb

4

Fidelity National Financial reported Q4 earnings call highlights, covering financial results, growth in title insurance premiums, strong mortgage guaranty performance, dividend increase, and optimistic 2024 outlook amid economic uncertainties. Q4 earnings beats, raised guidance, and dividend hike signal strong financial health and positive trajectory for future performance.

20 Feb

4

Fidelity National Financial Inc (FNF) reported strong revenue growth in Q4 2025 earnings call highlights. Strong revenue growth in Q4 2025 earnings directly enhances FNF's financial performance and investor sentiment.

4

Fidelity National Financial, Inc. (FNF) released its Q4 2025 earnings call summary, detailing financial results, performance highlights, and future outlook. Q4 earnings call summaries provide key financial metrics, guidance, and strategic insights that significantly impact FNF's stock trajectory and investor confidence.

19 Feb

3

Fidelity National Financial (FNF) Q4 earnings missed analyst estimates. Q4 earnings miss will noticeably affect financial performance and investor sentiment but is limited to short-term pressures.

3

Fidelity National Financial reported Q4 net earnings of $1.03 per share, down from $1.35 year-ago but beating $0.84 estimate; revenue fell 35% to $2.55 billion, missing $5.79 billion forecast amid real estate market weakness. Q4 earnings miss on revenue but EPS beat signals moderate financial pressure from real estate slowdown without altering long-term trajectory.

stockrow.com/FNF · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com