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FNF vs V

FNF
Fidelity National Financial, Inc.
NEUTRAL
Price
$52.33
Market Cap
$14.19B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
FNF
23.68
V
28.35
Forward P/E
FNF
8.11
V
20.79
P/B Ratio
FNF
1.91
V
15.09
P/S Ratio
FNF
0.98
V
14.08
EV/EBITDA
FNF
7.82
V
20.06

Profitability

Gross Margin
FNF
53.51%
V
97.78%
Operating Margin
FNF
13.06%
V
68.3%
Profit Margin
FNF
4.15%
V
50.23%
ROE
FNF
7.76%
V
53.95%
ROA
FNF
1.1%
V
18.36%

Growth

Revenue Growth
FNF
12.3%
V
14.6%
Earnings Growth
FNF
--
V
17.4%

Financial Health

Debt/Equity
FNF
0.53
V
0.55
Current Ratio
FNF
0.99
V
1.11
Quick Ratio
FNF
0.19
V
0.72

Dividends

Dividend Yield
FNF
3.97%
V
0.89%
Payout Ratio
FNF
91.4%
V
22.91%

AI Verdict

FNF NEUTRAL

FNF presents a conflicted profile with a stable Piotroski F-Score of 4/9 but significant valuation gaps, trading at $52.33 against a Graham Number of $36.91 and an Intrinsic Value of $15.47. While revenue growth remains strong at 12.3% and the forward P/E of 8.11 is attractive, the company suffers from poor liquidity (Quick Ratio 0.19) and an unsustainable dividend payout ratio of 91.4%. The disconnect between bullish analyst targets ($64.60) and bearish deterministic metrics suggests a high-risk premium. Overall, the stock is fundamentally overvalued relative to its defensive baseline despite positive top-line growth.

Strengths
Strong YoY revenue growth of 12.30%
Attractive Forward P/E ratio of 8.11
Low PEG ratio (0.85) suggesting growth is undervalued
Risks
Extremely high dividend payout ratio (91.40%) threatening sustainability
Severe liquidity risk indicated by a Quick Ratio of 0.19
Significant premium to Graham Number ($36.91) and Intrinsic Value ($15.47)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

FNF vs V: Head-to-Head Comparison

This page compares Fidelity National Financial, Inc. (FNF) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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