(FNF) Fidelity National Financial - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US31620R3030
Title Insurance, Escrow Services, Annuities, Life Insurance, Real Estate
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.22% |
| Yield on Cost 5y | 6.44% |
| Yield CAGR 5y | 68.34% |
| Payout Consistency | 32.5% |
| Payout Ratio | 37.2% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 26.3% |
| Value at Risk 5%th | 43.2% |
| Relative Tail Risk | -0.07% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.09 |
| Alpha | -9.80 |
| CAGR/Max DD | 0.45 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.417 |
| Beta | 0.562 |
| Beta Downside | 0.534 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.42% |
| Mean DD | 8.65% |
| Median DD | 7.96% |
Description: FNF Fidelity National Financial January 03, 2026
Fidelity National Financial, Inc. (NYSE:FNF) operates three primary segments-Title, F&G, and Corporate & Other-offering title insurance, escrow, and related real-estate services, as well as annuities, indexed universal life policies, pension-risk-transfer solutions, and a modest real-estate brokerage business.
In FY 2023 the company generated $9.9 billion in revenue, posted an adjusted EPS of $7.04, and maintained a combined ratio of 96.5% in its Title segment, indicating underwriting profitability but leaving modest headroom for cost-inflation pressures.
Key drivers of FNF’s performance include U.S. residential-housing activity (sensitive to mortgage-rate cycles), the health of the mortgage-origination market, and broader property-and-casualty pricing trends; conversely, rising labor costs and regulatory changes in annuity products represent material risks.
For a deeper quantitative dive, see the FNF profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 1.17b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA -2.53 > 1.0 |
| NWC/Revenue: 541.9% < 20% (prev 481.7%; Δ 60.23% < -1%) |
| CFO/TA 0.05 > 3% & CFO 5.82b > Net Income 1.17b |
| Net Debt (1.55b) to EBITDA (2.64b): 0.59 < 3 |
| Current Ratio: 1583 > 1.5 & < 3 |
| Outstanding Shares: last quarter (273.0m) vs 12m ago 0.0% < -2% |
| Gross Margin: 53.34% > 18% (prev 0.55%; Δ 5280 % > 0.5%) |
| Asset Turnover: 13.63% > 50% (prev 13.94%; Δ -0.31% > 0%) |
| Interest Coverage Ratio: 7.66 > 6 (EBITDA TTM 2.64b / Interest Expense TTM 238.0m) |
Altman Z'' 4.94
| A: 0.70 (Total Current Assets 74.38b - Total Current Liabilities 47.0m) / Total Assets 106.64b |
| B: 0.06 (Retained Earnings 6.29b / Total Assets 106.64b) |
| C: 0.02 (EBIT TTM 1.82b / Avg Total Assets 100.65b) |
| D: 0.05 (Book Value of Equity 4.69b / Total Liabilities 97.30b) |
| Altman-Z'' Score: 4.94 = AAA |
Beneish M -2.73
| DSRI: 1.30 (Receivables 17.32b/12.85b, Revenue 13.72b/13.20b) |
| GMI: 1.02 (GM 53.34% / 54.61%) |
| AQI: 1.08 (AQ_t 0.30 / AQ_t-1 0.28) |
| SGI: 1.04 (Revenue 13.72b / 13.20b) |
| TATA: -0.04 (NI 1.17b - CFO 5.82b) / TA 106.64b) |
| Beneish M-Score: -2.73 (Cap -4..+1) = A |
ValueRay F-Score (Strict, 0-100) 75.74
| 1. Piotroski: 5.50pt |
| 2. FCF Yield: 35.98% |
| 3. FCF Margin: 41.36% |
| 4. Debt/Equity: 0.57 |
| 5. Debt/Ebitda: 0.59 |
| 6. ROIC - WACC: 5.73% |
| 7. RoE: 14.65% |
| 8. Revenue Trend: 19.15% |
| 9. EPS Trend: -33.09% |
What is the price of FNF shares?
As of January 28, 2026, the stock is trading at USD 54.53 with a total of 897,330 shares traded.
Over the past week, the price has changed by +4.20%, over one month by -1.02%, over three months by -0.02% and over the past year by -2.04%.
Over the past week, the price has changed by +4.20%, over one month by -1.02%, over three months by -0.02% and over the past year by -2.04%.
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 | 28.4% |
| Analysts Target Price | 70 | 28.4% |
| ValueRay Target Price | 61.6 | 13% |
FNF Fundamental Data Overview January 27, 2026
P/E Trailing = 12.5105
P/E Forward = 12.8205
P/S = 1.0309
P/B = 1.7349
P/EG = 10.83
Revenue TTM = 13.72b USD
EBIT TTM = 1.82b USD
EBITDA TTM = 2.64b USD
Long Term Debt = 4.40b USD (from longTermDebt, last quarter)
Short Term Debt = 433.0m USD (from shortTermDebt, last fiscal year)
Debt = 4.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.55b USD (from netDebt column, last quarter)
Enterprise Value = 15.77b USD (14.49b + Debt 4.77b - CCE 3.49b)
Interest Coverage Ratio = 7.66 (Ebit TTM 1.82b / Interest Expense TTM 238.0m)
EV/FCF = 2.78x (Enterprise Value 15.77b / FCF TTM 5.67b)
FCF Yield = 35.98% (FCF TTM 5.67b / Enterprise Value 15.77b)
FCF Margin = 41.36% (FCF TTM 5.67b / Revenue TTM 13.72b)
Net Margin = 8.52% (Net Income TTM 1.17b / Revenue TTM 13.72b)
Gross Margin = 53.34% ((Revenue TTM 13.72b - Cost of Revenue TTM 6.40b) / Revenue TTM)
Gross Margin QoQ = 49.63% (prev 52.20%)
Tobins Q-Ratio = 0.15 (Enterprise Value 15.77b / Total Assets 106.64b)
Interest Expense / Debt = 1.26% (Interest Expense 60.0m / Debt 4.77b)
Taxrate = 18.79% (90.0m / 479.0m)
NOPAT = 1.48b (EBIT 1.82b * (1 - 18.79%))
Current Ratio = 1583 (out of range, set to none) (Total Current Assets 74.38b / Total Current Liabilities 47.0m)
Debt / Equity = 0.57 (Debt 4.77b / totalStockholderEquity, last quarter 8.36b)
Debt / EBITDA = 0.59 (Net Debt 1.55b / EBITDA 2.64b)
Debt / FCF = 0.27 (Net Debt 1.55b / FCF TTM 5.67b)
Total Stockholder Equity = 7.98b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.16% (Net Income 1.17b / Total Assets 106.64b)
RoE = 14.65% (Net Income TTM 1.17b / Total Stockholder Equity 7.98b)
RoCE = 14.74% (EBIT 1.82b / Capital Employed (Equity 7.98b + L.T.Debt 4.40b))
RoIC = 11.99% (NOPAT 1.48b / Invested Capital 12.35b)
WACC = 6.26% (E(14.49b)/V(19.26b) * Re(7.99%) + D(4.77b)/V(19.26b) * Rd(1.26%) * (1-Tc(0.19)))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 0.37%
[DCF Debug] Terminal Value 86.25% ; FCFF base≈6.38b ; Y1≈7.35b ; Y5≈10.32b
Fair Price DCF = 989.8 (EV 270.13b - Net Debt 1.55b = Equity 268.58b / Shares 271.3m; r=6.26% [WACC]; 5y FCF grow 17.82% → 2.90% )
EPS Correlation: -33.09 | EPS CAGR: -50.40% | SUE: -4.0 | # QB: 0
Revenue Correlation: 19.15 | Revenue CAGR: -4.16% | SUE: 1.05 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.22 | Chg30d=+0.014 | Revisions Net=+0 | Analysts=5
EPS next Year (2026-12-31): EPS=6.19 | Chg30d=-0.013 | Revisions Net=+1 | Growth EPS=+19.6% | Growth Revenue=+8.8%
P/E Forward = 12.8205
P/S = 1.0309
P/B = 1.7349
P/EG = 10.83
Revenue TTM = 13.72b USD
EBIT TTM = 1.82b USD
EBITDA TTM = 2.64b USD
Long Term Debt = 4.40b USD (from longTermDebt, last quarter)
Short Term Debt = 433.0m USD (from shortTermDebt, last fiscal year)
Debt = 4.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.55b USD (from netDebt column, last quarter)
Enterprise Value = 15.77b USD (14.49b + Debt 4.77b - CCE 3.49b)
Interest Coverage Ratio = 7.66 (Ebit TTM 1.82b / Interest Expense TTM 238.0m)
EV/FCF = 2.78x (Enterprise Value 15.77b / FCF TTM 5.67b)
FCF Yield = 35.98% (FCF TTM 5.67b / Enterprise Value 15.77b)
FCF Margin = 41.36% (FCF TTM 5.67b / Revenue TTM 13.72b)
Net Margin = 8.52% (Net Income TTM 1.17b / Revenue TTM 13.72b)
Gross Margin = 53.34% ((Revenue TTM 13.72b - Cost of Revenue TTM 6.40b) / Revenue TTM)
Gross Margin QoQ = 49.63% (prev 52.20%)
Tobins Q-Ratio = 0.15 (Enterprise Value 15.77b / Total Assets 106.64b)
Interest Expense / Debt = 1.26% (Interest Expense 60.0m / Debt 4.77b)
Taxrate = 18.79% (90.0m / 479.0m)
NOPAT = 1.48b (EBIT 1.82b * (1 - 18.79%))
Current Ratio = 1583 (out of range, set to none) (Total Current Assets 74.38b / Total Current Liabilities 47.0m)
Debt / Equity = 0.57 (Debt 4.77b / totalStockholderEquity, last quarter 8.36b)
Debt / EBITDA = 0.59 (Net Debt 1.55b / EBITDA 2.64b)
Debt / FCF = 0.27 (Net Debt 1.55b / FCF TTM 5.67b)
Total Stockholder Equity = 7.98b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.16% (Net Income 1.17b / Total Assets 106.64b)
RoE = 14.65% (Net Income TTM 1.17b / Total Stockholder Equity 7.98b)
RoCE = 14.74% (EBIT 1.82b / Capital Employed (Equity 7.98b + L.T.Debt 4.40b))
RoIC = 11.99% (NOPAT 1.48b / Invested Capital 12.35b)
WACC = 6.26% (E(14.49b)/V(19.26b) * Re(7.99%) + D(4.77b)/V(19.26b) * Rd(1.26%) * (1-Tc(0.19)))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 0.37%
[DCF Debug] Terminal Value 86.25% ; FCFF base≈6.38b ; Y1≈7.35b ; Y5≈10.32b
Fair Price DCF = 989.8 (EV 270.13b - Net Debt 1.55b = Equity 268.58b / Shares 271.3m; r=6.26% [WACC]; 5y FCF grow 17.82% → 2.90% )
EPS Correlation: -33.09 | EPS CAGR: -50.40% | SUE: -4.0 | # QB: 0
Revenue Correlation: 19.15 | Revenue CAGR: -4.16% | SUE: 1.05 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.22 | Chg30d=+0.014 | Revisions Net=+0 | Analysts=5
EPS next Year (2026-12-31): EPS=6.19 | Chg30d=-0.013 | Revisions Net=+1 | Growth EPS=+19.6% | Growth Revenue=+8.8%
Additional Sources for FNF Stock
News:
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Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle