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FNF

NEUTRAL
$52.33 Live
Fidelity National Financial, Inc. · NYSE
Target $64.6 (+23.4%)
$42.78 52W Range $63.0
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026
Market cap
$14.19B
P/E
23.68
ROE
7.8%
Profit margin
4.2%
Debt/Equity
0.53
Dividend yield
3.97%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
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.

Key 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
Manageable Debt/Equity ratio of 0.53
Positive long-term price performance (3Y change +77.1%)

Key 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)
Poor recent earnings track record (only 1 beat in last 4 quarters)
Bearish insider sentiment with net selling activity
AI Fair Value Estimate
Based on comprehensive analysis
$38.5
-26.4% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
48
Moderate
Value
40
Future
65
Past
60
Health
45
Dividend
30
AI Verdict
Speculative Hold
Key drivers: Revenue growth, Valuation premium, Liquidity constraints, Dividend risk
Confidence
90%
Value
40/100

P/E 23.68, PEG 0.85, Graham $36.91

Positives
  • Low PEG ratio
  • Low Forward P/E
Watchpoints
  • Price significantly exceeds Graham Number
  • Price far above growth-based intrinsic value
Future
65/100

Ref Revenue Growth 12.3% vs EPS volatility

Positives
  • Consistent double-digit revenue growth (12%)
Watchpoints
  • Negative Q/Q EPS growth (-13.5%)
  • Inconsistent earnings surprises
Past
60/100

Ref Historical price changes

Positives
  • Strong 3Y and 5Y returns
Watchpoints
  • Negative 1Y return (-10.8%)
  • Declining earnings beat rate
Health
45/100

Ref Piotroski F-Score and Liquidity ratios

Positives
  • Moderate Debt/Equity (0.53)
Watchpoints
  • Piotroski F-Score 4/9 (Stable but not strong)
  • Critical Quick Ratio (0.19)
Dividend
30/100

Ref Payout Ratio and Yield

Positives
  • Decent yield of 3.97%
Watchpoints
  • Dangerously high payout ratio (91.40%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$52.33
Analyst Target
$64.6
Upside/Downside
+23.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FNF and closest competitors.

Updated 2026-04-24
FNF
Fidelity National Financial, Inc.
Primary
5Y
+51.6%
3Y
+77.1%
1Y
-10.8%
6M
-3.0%
1M
+16.8%
1W
+5.3%
IRE
IREN Limited
Peer
5Y
+89.7%
3Y
+1824.1%
1Y
+348.9%
6M
+451.4%
1M
-31.8%
1W
-25.7%
EG
Everest Group, Ltd.
Peer
5Y
+42.1%
3Y
-2.3%
1Y
-2.1%
6M
-1.0%
1M
+6.0%
1W
-2.3%
EVR
Evercore Inc.
Peer
5Y
+169.3%
3Y
+201.6%
1Y
+75.7%
6M
+6.7%
1M
+20.0%
1W
-5.1%
ERI
Erie Indemnity Company
Peer
5Y
+25.4%
3Y
+14.0%
1Y
-32.1%
6M
-21.8%
1M
-0.3%
1W
+3.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
23.68
Forward P/E
8.11
PEG Ratio
0.85
P/B Ratio
1.91
P/S Ratio
0.98
EV/Revenue
1.12
EV/EBITDA
7.82
Market Cap
$14.19B

Profitability

Profit margins and return metrics

Profit Margin 4.15%
Operating Margin 13.06%
Gross Margin 53.51%
ROE 7.76%
ROA 1.1%

Growth

Revenue and earnings growth rates

Revenue Growth +12.3%
Earnings Growth N/A
Q/Q Revenue Growth +12.01%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.53
Moderate
Current Ratio
0.99
Weak
Quick Ratio
0.19
Poor
Cash/Share
$15.84

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$4.0B
Net Margin
-3.0%
Total Assets
$109.0B
Liabilities
$100.0B
Equity
$7.4B
Debt/Equity
13.48x
Operating CF
$1.5B
CapEx
$-0.0B
Free Cash Flow
$1.5B
FCF Yield
98%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06
$N/A
2026-02-19
$1.41
-5.8% surprise
2025-11-06
$1.63
+14.5% surprise
2025-08-06
$1.16
-17.6% surprise

Financial Services Sector Comparison

Comparing FNF against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)
P/E Ratio
23.68
This Stock
vs
38.21
Sector Avg
-38.0% (Discount)
Return on Equity (ROE)
7.76%
This Stock
vs
-1.82%
Sector Avg
-526.1% (Below Avg)
Profit Margin
4.15%
This Stock
vs
75.74%
Sector Avg
-94.5% (Weaker)
Debt to Equity
0.53
This Stock
vs
1.42
Sector Avg
-62.6% (Less Debt)
Revenue Growth
12.3%
This Stock
vs
37.18%
Sector Avg
-66.9% (Slower)
Current Ratio
0.99
This Stock
vs
3.32
Sector Avg
-70.1% (Weaker)

Similar Companies

Peer comparison within the same industry

FNF Fidelity...
NEUTRAL
Mkt Cap
$14.2B
P/E
23.7
ROE
7.8%
Price
$52.33
IREN IREN Limited
BEARISH
Mkt Cap
$13.8B
P/E
26.6
ROE
26.1%
Price
$46.37
 Compare with FNF
EG Everest Group, Ltd.
NEUTRAL
Mkt Cap
$13.7B
P/E
9.1
ROE
10.8%
Price
$343.38
 Compare with FNF
EVR Evercore Inc.
BULLISH
Mkt Cap
$13.6B
P/E
24.5
ROE
30.1%
Price
$344.3
 Compare with FNF
ERIE Erie Indemnity Company
NEUTRAL
Mkt Cap
$13.2B
P/E
23.2
ROE
26.2%
Price
$253.38
 Compare with FNF

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

DHANIDINA HALIM
Director
Sell
2026-01-05
6,000 shares · $335,400
LANE DANIEL D
Director
Sell
2025-11-17
6,367 shares · $366,930
THOMPSON CARY H
Director
Stock Award
2025-11-10
4,870 shares
QUIRK RAYMOND R
Officer and Director
Stock Award
2025-11-10
55,653 shares
SADOWSKI PETER T.
Officer
Stock Award
2025-11-10
29,218 shares
GRAVELLE MICHAEL L
Officer
Stock Award
2025-11-10
27,827 shares
MURREN HEATHER HAY
Director
Stock Award
2025-11-10
4,870 shares
ROOD JOHN D
Director
Stock Award
2025-11-10
4,870 shares
NOLAN MICHAEL JOSEPH
Chief Executive Officer
Stock Award
2025-11-10
100,000 shares
AMMERMAN DOUGLAS KEITH
Director
Stock Award
2025-11-10
4,870 shares
HAGERTY THOMAS M
Director
Stock Award
2025-11-10
4,870 shares
LANE DANIEL D
Director
Stock Award
2025-11-10
4,870 shares
SHEA PETER O JR
Director
Stock Award
2025-11-10
4,870 shares
PARK ANTHONY J
Chief Financial Officer
Stock Award
2025-11-10
31,044 shares
MORGAN SANDRA DOUGLASS
Director
Stock Award
2025-11-10
4,870 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

10-K
10-K
2026-02-26

Fidelity National Financial (FNF) filed its 10-K on February 26, 2026, including sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
8-K
2026-02-19

Fidelity National Financial filed an 8-K on February 19, 2026, likely to announce its financial results for the preceding period.

8-K
8-K
2025-12-18
10-Q
10-Q
2025-11-10

FNF filed its 10-Q quarterly report on November 10, 2025. The provided excerpts do not contain specific financial highlights or detailed risk factors.

8-K
8-K
2025-11-07

Fidelity National Financial reported its third-quarter 2025 financial results.

8-K
8-K
2025-11-06

Fidelity National Financial (FNF) likely filed this 8-K to report its third-quarter financial results.

10-Q
10-Q
2025-08-07

Fidelity National Financial (FNF) filed its 10-Q report on August 7, 2025. The filing includes a section on Risk Factors under Item 1A, although specific financial highlights and detailed risk descriptions were not provided in the available excerpt.

8-K
8-K
2025-08-06

Fidelity National Financial (FNF) filed an 8-K on August 6, 2025, likely to announce its second-quarter financial results.

8-K
8-K
2025-06-12
8-K
8-K
2025-06-04
10-Q
10-Q
2025-05-08
8-K
8-K
2025-05-07
DEF 14A
DEF 14A
2025-04-28
8-K
8-K
2025-03-24
10-K
10-K
2025-02-28
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
5 analysts
Keefe, Bruyette & Woods
2026-04-10
Maintains
Outperform Outperform
Barclays
2026-04-06
Maintains
Equal-Weight Equal-Weight
Keefe, Bruyette & Woods
2026-02-23
Maintains
Outperform Outperform
Barclays
2026-01-06
Maintains
Equal-Weight Equal-Weight
Keefe, Bruyette & Woods
2025-12-18
Maintains
Outperform Outperform
Keefe, Bruyette & Woods
2025-11-10
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning FNF from our newsroom.

Newest → oldest
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