Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

FNF

HoldSinker

Fidelity National Financial, Inc. · Financial Services · United States · $12.8B · Avg Vol: $80M/d

36
StockRank
Get insider-trade alerts
Q
50
V
49
M
29
P/E (TTM)
16.0x
ROE
10.2%
D/E
0.5x
Dividend %
4.4%

COMPANY DESCRIPTION

Fidelity National Financial (FNF) is the largest provider of title insurance and settlement services to the U.S. real estate and mortgage industries, also holding a significant stake in F&G Annuities & Life. The company's competitive moat stems from its dominant market share, extensive national network of agents and direct operations, and deep expertise in complex real estate transactions. FNF is an essential and highly regulated component of the real estate ecosystem.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue11.5B11.5B13.4B14.1B7.3%15.3B14.6B15.2B3.7%
EPS9.814.131.914.692.22-31.0%2.872.302.597.9%
Shares272.3M273.3M275.0M271.3M-0.4%268.2M
Debt3.7B4.3B4.7B4.8B9.3%4.8B
Equity6.1B6.9B7.8B7.4B6.7%
Op CF4.4B6.5B6.8B5.8B10.2%5.6B
Inv CF-10.5B-9.1B-7.9B-8.9B
Fin CF4.1B3.1B1.8B2.3B
Loading 1Y...
PRICE (1Y)-15.6%
43.9546.1048.2550.3952.54Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$43.95
RSI (14)
24.8
52W High
$57.15
From 52W High
0.8%

SCORE BREAKDOWN

Quality
50
ROIC (ROA)
1.2%*42.2
ROE
10.2%50.9
GP/Assets
7.6%67.5
Op. Margin
10.7%27.6
FCF/Assets
n/mN/A
Piotroski
567.4
Int. Cover
8.2x47.0
D/E Ratio
0.54x42.1
Current Ratio
0.94x26.2
Value
49
P/E (TTM)
16.0x34.8
EV/EBITDA
n/mN/A
P/FCF
n/mN/A
P/B
1.6x33.4
P/S
0.8x91.7
Div Yield
4.4%58.6
Momentum
29
52W High %
77%24.2
RS 6M
-17%16.7
SMA 50/200
0.98x25.6
EPS Rev 4W
-1.7%11.0
EPS Rev 12W
-3.3%16.1
EPS Improve
+102%83.9
Q Growth
4%31.3

FUNDAMENTALS

Market Cap
$12.8B
P/E (Forward)
7.9x
Gross Margin
54.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FNF are excluded.

TickerCompanyMkt CapStockRankSignal
FNFFidelity National Financial, Inc.(you)$12.8B36Hold
RYANRyan Specialty Holdings, Inc.$17.1B27Sell
FAFFirst American Financial Corporation$7.6B78Buy
RDNRadian Group Inc.$4.8B71Buy
EIGEmployers Holdings, Inc.$883M39Hold
ACTEnact Holdings, Inc.$6.7B84Strong Buy
MTGMGIC Investment Corporation$6.4B85Strong Buy
NMIHNMI Holdings, Inc.$3.4B83Strong Buy
AMSFAMERISAFE, Inc.$487M49Hold
JRVRJames River Group Holdings, Inc.$191M38Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Fidelity National Financial, Inc. (FNF): Stock Score Summary

Fidelity National Financial, Inc. (FNF) has a MoatMap StockRank of 36/100 based on Quality (50/100), Value (49/100), and Momentum (29/100) factor scores. The current signal is HOLD.

Fidelity National Financial (FNF) is the largest provider of title insurance and settlement services to the U.S. real estate and mortgage industries, also holding a significant stake in F&G Annuities & Life. The company's competitive moat stems from its dominant market share, extensive national network of agents and direct operations, and deep expertise in complex real estate transactions. FNF is an essential and highly regulated component of the real estate ecosystem.

Key Financial Metrics

Price$43.95
Market Cap$12.8B
P/E (TTM)15.95
P/E (Forward)7.91
Price/Book1.65
Return on Equity10.2%
Debt/Equity0.54x
Gross Margin54.0%
Operating Margin10.7%
Revenue Growth10.5%
Dividend Yield4.4%
Free Cash Flow$5.4B

Fidelity National Financial, Inc. operates in the Insurance - Specialty industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Fidelity National Financial, Inc.’s (FNF) StockRank?
MoatMap’s StockRank for Fidelity National Financial, Inc. (FNF) is 36/100, with a Hold signal. It is a composite of Quality (50), Value (49), and Momentum (29) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Fidelity National Financial, Inc. have an economic moat?
Fidelity National Financial, Inc. (FNF) has a Quality factor score of 50/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Fidelity National Financial, Inc. a buy, hold, or sell?
MoatMap’s current signal for Fidelity National Financial, Inc. (FNF) is Hold, based on a StockRank of 36/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Fidelity National Financial, Inc. in?
Fidelity National Financial, Inc. (FNF) operates in the Financial Services sector, specifically the Insurance - Specialty industry (United States).