Overview Dividends

(FNF) Fidelity National Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US31620R3030

Title Insurance, Escrow, Annuity, Life Insurance, Real Estate Brokerage

FNF EPS (Earnings per Share)

EPS Growth (3Y CAGR): -58.52%
EPS Trend (3Y Correlation): -20.3%

FNF Revenue

Revenue Growth (3Y CAGR): 4.66%
Revenue Trend (3Y Correlation): 54.5%

Description: FNF Fidelity National Financial October 30, 2025

Fidelity National Financial, Inc. (NYSE:FNF) operates three primary segments-Title, F&G, and Corporate & Other-delivering title insurance, escrow, and related real-estate services; annuity, life, and indexed universal life insurance products; as well as funding agreements and pension-risk-transfer solutions, while also maintaining a real-estate brokerage arm. The firm’s technology and transaction platforms support mortgage lenders and real-estate professionals across the United States.

Key metrics that shape FNF’s outlook include FY 2023 total revenue of approximately $7.6 billion with an operating margin near 13%, and a title-insurance market share of roughly 15%-the largest in the U.S. market. The segment’s performance is highly sensitive to housing-market activity and interest-rate cycles, as higher rates suppress mortgage origination volumes, while lower rates boost title-related demand. Additionally, the PRT and annuity businesses benefit from an aging demographic and a shift toward de-risking corporate pension liabilities, which can provide a steadier fee-based income stream.

For a deeper, data-driven assessment of FNF’s valuation dynamics, you may find the analytics on ValueRay worth exploring.

FNF Stock Overview

Market Cap in USD	15,010m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	2005-10-14

FNF Stock Ratings

Growth Rating	46.9%
Fundamental	63.9%
Dividend Rating	63.0%
Return 12m vs S&P 500	-19.3%
Analyst Rating	4.25 of 5

FNF Dividends

Dividend Yield 12m	3.67%
Yield on Cost 5y	7.80%
Annual Growth 5y	206.44%
Payout Consistency	32.8%
Payout Ratio	61.0%

FNF Growth Ratios

Growth Correlation 3m	-67.8%
Growth Correlation 12m	-13.1%
Growth Correlation 5y	79.5%
CAGR 5y	17.80%
CAGR/Max DD 3y (Calmar Ratio)	0.65
CAGR/Mean DD 3y (Pain Ratio)	2.26
Sharpe Ratio 12m	0.59
Alpha	-24.62
Beta	1.084
Volatility	22.48%
Current Volume	1329.1k
Average Volume 20d	970.6k
Stop Loss	52.9 (-3%)
Signal	0.06

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (1.08b TTM) > 0 and > 6% of Revenue (6% = 811.6m TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA -1.34pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 526.8% (prev 130.6%; Δ 396.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.07 (>3.0%) and CFO 6.87b > Net Income 1.08b (YES >=105%, WARN >=100%)

Net Debt (-66.90b) to EBITDA (2.46b) ratio: -27.20 <= 3.0 (WARN <= 3.5)

Current Ratio 1927 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (273.0m) change vs 12m ago 0.0% (target <= -2.0% for YES)

Gross Margin 61.22% (prev 84.45%; Δ -23.24pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 15.02% (prev 16.32%; Δ -1.30pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 7.18 (EBITDA TTM 2.46b / Interest Expense TTM 234.0m) >= 6 (WARN >= 3)

Altman Z'' 4.95

(A) 0.70 = (Total Current Assets 71.29b - Total Current Liabilities 37.0m) / Total Assets 102.33b

(B) 0.06 = Retained Earnings (Balance) 6.07b / Total Assets 102.33b

(D) 0.06 = Book Value of Equity 4.22b / Total Liabilities 69.80b

Total Rating: 4.95 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 63.94

1. Piotroski 4.50pt = -0.50

2. FCF Yield -12.96% = -5.0

3. FCF Margin 49.73% = 7.50

4. Debt/Equity 0.50 = 2.38

5. Debt/Ebitda -27.20 = 2.50

6. ROIC - WACC (= 2.31)% = 2.89

7. RoE 13.24% = 1.10

8. Rev. Trend 54.47% = 4.09

9. EPS Trend -20.34% = -1.02

What is the price of FNF shares?

As of November 07, 2025, the stock is trading at USD 54.56 with a total of 1,329,123 shares traded.
Over the past week, the price has changed by -1.00%, over one month by -6.01%, over three months by -5.42% and over the past year by -7.34%.

Is Fidelity National Financial a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Fidelity National Financial is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 63.94 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FNF is around 57.74 USD . This means that FNF is currently overvalued and has a potential downside of 5.83%.

Is FNF a buy, sell or hold?

Fidelity National Financial has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy FNF.

Strong Buy: 2
Buy: 1
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the FNF price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	70	28.3%
Analysts Target Price	70	28.3%
ValueRay Target Price	64.1	17.4%

FNF Fundamental Data Overview November 04, 2025

Market Cap USD = 15.01b (15.01b USD * 1.0 USD.USD)
P/E Trailing = 14.056
P/E Forward = 12.8205
P/S = 1.1009
P/B = 2.0487
P/EG = 10.83
Beta = 1.084
Revenue TTM = 13.53b USD
EBIT TTM = 1.68b USD
EBITDA TTM = 2.46b USD
Long Term Debt = 4.40b USD (from longTermDebt, last quarter)
Short Term Debt = 433.0m USD (from shortTermDebt, last fiscal year)
Debt = 4.40b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -66.90b USD (from netDebt column, last quarter)
Enterprise Value = -51.89b USD (15.01b + Debt 4.40b - CCE 71.29b)
Interest Coverage Ratio = 7.18 (Ebit TTM 1.68b / Interest Expense TTM 234.0m)
FCF Yield = -12.96% (FCF TTM 6.73b / Enterprise Value -51.89b)
FCF Margin = 49.73% (FCF TTM 6.73b / Revenue TTM 13.53b)
Net Margin = 7.96% (Net Income TTM 1.08b / Revenue TTM 13.53b)
Gross Margin = 61.22% ((Revenue TTM 13.53b - Cost of Revenue TTM 5.25b) / Revenue TTM)
Gross Margin QoQ = 70.98% (prev 75.03%)
Tobins Q-Ratio = -0.51 (set to none) (Enterprise Value -51.89b / Total Assets 102.33b)
Interest Expense / Debt = 1.39% (Interest Expense 61.0m / Debt 4.40b)
Taxrate = 25.06% (98.0m / 391.0m)
NOPAT = 1.26b (EBIT 1.68b * (1 - 25.06%))
Current Ratio = 1927 (out of range, set to none) (Total Current Assets 71.29b / Total Current Liabilities 37.0m)
Debt / Equity = 0.50 (Debt 4.40b / totalStockholderEquity, last quarter 8.82b)
Debt / EBITDA = -27.20 (Net Debt -66.90b / EBITDA 2.46b)
Debt / FCF = -9.94 (Net Debt -66.90b / FCF TTM 6.73b)
Total Stockholder Equity = 8.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 1.08b / Total Assets 102.33b)
RoE = 13.24% (Net Income TTM 1.08b / Total Stockholder Equity 8.14b)
RoCE = 13.40% (EBIT 1.68b / Capital Employed (Equity 8.14b + L.T.Debt 4.40b))
RoIC = 10.29% (NOPAT 1.26b / Invested Capital 12.23b)
WACC = 7.98% (E(15.01b)/V(19.41b) * Re(10.01%) + D(4.40b)/V(19.41b) * Rd(1.39%) * (1-Tc(0.25)))
Discount Rate = 10.01% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 0.37%
[DCF Debug] Terminal Value 75.32% ; FCFE base≈6.50b ; Y1≈8.02b ; Y5≈13.68b
Fair Price DCF = 609.4 (DCF Value 165.59b / Shares Outstanding 271.7m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -20.34 | EPS CAGR: -58.52% | SUE: -4.0 | # QB: 0
Revenue Correlation: 54.47 | Revenue CAGR: 4.66% | SUE: 0.25 | # QB: 0

Additional Sources for FNF Stock

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