FAF
Unloved QualityFirst American Financial Corporation · Financial Services · United States · $6.6B cap · $78.1M/day traded
$67.63 -1.5% · close 10 Nov · scored 11 Nov
Score down 1.0 since 10 Nov.
Unloved Quality: Strong and cheap, but the market has not warmed to it.
After its 21 Oct results, analysts cut next year's EPS estimate 5.3%.
As of 11 Nov 2026, the MoatMap Score for First American Financial Corporation (FAF) is 65/100, ranked against 25,000+ stocks in 38 markets (Quality 65, Value 64, Momentum 31, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT FIRST AMERICAN FINANCIAL CORPORATION
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First American Financial Corporation provides title insurance and settlement services for residential and commercial real estate transactions, alongside property data and analytics. The company's competitive advantage lies in extensive property data assets, a strong national network of agents and direct operations, and a critical role in facilitating real estate transactions. First American is a leading provider of title insurance and settlement services in the U.S., essential for protecting property rights and enabling real estate commerce.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7.6B | 6.0B | 6.1B | 7.4B | -0.7% | 8.1B | 8.1B | 8.1B | 4.6% |
| EPS | 2.46 | 2.08 | 1.26 | 6.02 | 34.8% | 7.09 | 6.82 | 6.79 | 6.2% |
| Shares | 103.2M | 103.1M | 103.0M | 102.0M | -1.2% | 102.1M | — | — | — |
| Debt | 2.3B | 2.2B | 2.4B | 2.7B | 5.4% | 2.6B | — | — | — |
| Equity | 4.7B | 4.8B | 4.9B | 5.5B | 5.7% | — | — | — | — |
| Op CF | 777.6M | 354.3M | 897.5M | 950.8M | 6.9% | 969.5M | — | — | — |
| Inv CF | -393.0M | 599.5M | -458.7M | -1.5B | — | — | — | — | — |
| Fin CF | -376.4M | 1.4B | -2.3B | 161.2M | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 73% of stocks we rank over the past year (volatility 30% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FAF are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| FAF | First American Financial Corporation(you) | $6.6B | 65 |
| ACT | Enact Holdings, Inc. | $6.6B | 73 |
| FNF | Fidelity National Financial, Inc. | $10.8B | 62 |
| MTG | MGIC Investment Corporation | $5.9B | 78 |
| RDN | Radian Group Inc. | $4.7B | 83 |
| NMIH | NMI Holdings, Inc. | $3.2B | 79 |
| ITIC | Investors Title Company | $532M | 70 |
| EIG | Employers Holdings, Inc. | $935M | 39 |
| AMSF | AMERISAFE, Inc. | $488M | 48 |
| JRVR | James River Group Holdings, Inc. | $184M | 41 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.1%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.