FIDELITY NATIONAL FINANCIAL (FNF) Stock Fundamental Analysis
USA - NYSE:FNF - US31620R3030 - Common Stock
57.31 USD
-0.46 (-0.8%)
Taking everything into account, FNF scores 4 out of 10 in our fundamental rating. FNF was compared to 147 industry peers in the Insurance industry. FNF may be in some trouble as it scores bad on both profitability and health. FNF is not valued too expensively and it also shows a decent growth rate. Finally FNF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
FNF had positive earnings in the past year.
In the past year FNF had a positive cash flow from operations.
FNF had positive earnings in each of the past 5 years.
Each year in the past 5 years FNF had a positive operating cash flow.
1.2 Ratios
FNF has a worse Return On Assets (1.05%) than 60.54% of its industry peers.
The Return On Equity of FNF (13.62%) is better than 62.59% of its industry peers.
The Return On Invested Capital of FNF (1.30%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for FNF is below the industry average of 4.39%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 13.62% | ||
| ROIC | 1.3% |
ROA(3y)1.32%
ROA(5y)2.28%
ROE(3y)15.01%
ROE(5y)18.36%
ROIC(3y)1.58%
ROIC(5y)2.53%
1.3 Margins
FNF's Profit Margin of 7.90% is in line compared to the rest of the industry. FNF outperforms 51.02% of its industry peers.
FNF's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 12.32%, FNF is in line with its industry, outperforming 53.74% of the companies in the same industry.
FNF's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.32% | ||
| PM (TTM) | 7.9% | ||
| GM | N/A |
OM growth 3Y-15.37%
OM growth 5Y-3.18%
PM growth 3Y-19.69%
PM growth 5Y-5.88%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FNF is destroying value.
Compared to 1 year ago, FNF has more shares outstanding
The number of shares outstanding for FNF has been reduced compared to 5 years ago.
The debt/assets ratio for FNF has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of FNF is 0.65, which is an excellent value as it means it would take FNF, only 0.65 years of fcf income to pay off all of its debts.
FNF's Debt to FCF ratio of 0.65 is fine compared to the rest of the industry. FNF outperforms 77.55% of its industry peers.
FNF has a Debt/Equity ratio of 0.56. This is a neutral value indicating FNF is somewhat dependend on debt financing.
FNF has a Debt to Equity ratio of 0.56. This is in the lower half of the industry: FNF underperforms 76.87% of its industry peers.
Although FNF does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 0.65 | ||
| Altman-Z | N/A |
ROIC/WACC0.17
WACC7.7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FNF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.23%, which is quite impressive.
The Earnings Per Share has been growing slightly by 6.42% on average over the past years.
The Revenue has grown by 16.70% in the past year. This is quite good.
Measured over the past years, FNF shows a quite strong growth in Revenue. The Revenue has been growing by 10.12% on average per year.
EPS 1Y (TTM)21.23%
EPS 3Y-16.25%
EPS 5Y6.42%
EPS Q2Q%25.38%
Revenue 1Y (TTM)16.7%
Revenue growth 3Y-4.29%
Revenue growth 5Y10.12%
Sales Q2Q%11.85%
3.2 Future
The Earnings Per Share is expected to grow by 15.34% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.03% on average over the next years.
EPS Next Y5.19%
EPS Next 2Y18.06%
EPS Next 3Y15.34%
EPS Next 5YN/A
Revenue Next Year3.88%
Revenue Next 2Y7.37%
Revenue Next 3Y7.03%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.67, the valuation of FNF can be described as reasonable.
FNF's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of FNF to the average of the S&P500 Index (25.47), we can say FNF is valued rather cheaply.
FNF is valuated reasonably with a Price/Forward Earnings ratio of 8.86.
Based on the Price/Forward Earnings ratio, FNF is valued a bit cheaper than 63.27% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.42. FNF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.67 | ||
| Fwd PE | 8.86 |
4.2 Price Multiples
63.27% of the companies in the same industry are cheaper than FNF, based on the Enterprise Value to EBITDA ratio.
FNF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FNF is cheaper than 88.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.31 | ||
| EV/EBITDA | 15.5 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
FNF's earnings are expected to grow with 15.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.25
PEG (5Y)1.82
EPS Next 2Y18.06%
EPS Next 3Y15.34%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.55%, FNF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.51, FNF pays a bit more dividend than its industry peers.
FNF's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
5.2 History
The dividend of FNF is nicely growing with an annual growth rate of 9.22%!
FNF has been paying a dividend for at least 10 years, so it has a reliable track record.
FNF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.22%
Div Incr Years13
Div Non Decr Years13
5.3 Sustainability
50.32% of the earnings are spent on dividend by FNF. This is a bit on the high side, but may be sustainable.
The dividend of FNF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP50.32%
EPS Next 2Y18.06%
EPS Next 3Y15.34%
NYSE:FNF (11/19/2025, 2:57:46 PM)
57.31
-0.46 (-0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners82.05%
Inst Owner Change0%
Ins Owners5.51%
Ins Owner Change2.19%
Market Cap15.57B
Revenue(TTM)13.71B
Net Income(TTM)1.08B
Analysts77.5
Price Target71.4 (24.59%)
Short Float %1.31%
Short Ratio2.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
Yearly Dividend1.94
Dividend Growth(5Y)9.22%
DP50.32%
Div Incr Years13
Div Non Decr Years13
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-21.4%
Min EPS beat(2)-29.93%
Max EPS beat(2)-12.86%
EPS beat(4)2
Avg EPS beat(4)-8.95%
Min EPS beat(4)-29.93%
Max EPS beat(4)6.85%
EPS beat(8)3
Avg EPS beat(8)-9.06%
EPS beat(12)3
Avg EPS beat(12)-12.16%
EPS beat(16)7
Avg EPS beat(16)-4.01%
Revenue beat(2)1
Avg Revenue beat(2)-8.49%
Min Revenue beat(2)-18.71%
Max Revenue beat(2)1.74%
Revenue beat(4)3
Avg Revenue beat(4)-1.45%
Min Revenue beat(4)-18.71%
Max Revenue beat(4)7.62%
Revenue beat(8)6
Avg Revenue beat(8)4.02%
Revenue beat(12)9
Avg Revenue beat(12)3.9%
Revenue beat(16)12
Avg Revenue beat(16)6.28%
PT rev (1m)-0.36%
PT rev (3m)-0.36%
EPS NQ rev (1m)4.46%
EPS NQ rev (3m)2.67%
EPS NY rev (1m)-1.72%
EPS NY rev (3m)-6.7%
Revenue NQ rev (1m)1.97%
Revenue NQ rev (3m)2.05%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.67 | ||
| Fwd PE | 8.86 | ||
| P/S | 1.14 | ||
| P/FCF | 2.31 | ||
| P/OCF | 2.27 | ||
| P/B | 1.97 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.5 |
EPS(TTM)4.91
EY8.57%
EPS(NY)6.47
Fwd EY11.28%
FCF(TTM)24.76
FCFY43.2%
OCF(TTM)25.29
OCFY44.13%
SpS50.17
BVpS29.1
TBVpS-15.14
PEG (NY)2.25
PEG (5Y)1.82
Graham Number56.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 13.62% | ||
| ROCE | 1.73% | ||
| ROIC | 1.3% | ||
| ROICexc | 1.35% | ||
| ROICexgc | 1.98% | ||
| OM | 12.32% | ||
| PM (TTM) | 7.9% | ||
| GM | N/A | ||
| FCFM | 49.35% |
ROA(3y)1.32%
ROA(5y)2.28%
ROE(3y)15.01%
ROE(5y)18.36%
ROIC(3y)1.58%
ROIC(5y)2.53%
ROICexc(3y)1.64%
ROICexc(5y)2.69%
ROICexgc(3y)2.31%
ROICexgc(5y)3.65%
ROCE(3y)2.09%
ROCE(5y)3.35%
ROICexgc growth 3Y-29.6%
ROICexgc growth 5Y-41.63%
ROICexc growth 3Y-31.85%
ROICexc growth 5Y-35.75%
OM growth 3Y-15.37%
OM growth 5Y-3.18%
PM growth 3Y-19.69%
PM growth 5Y-5.88%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 0.65 | ||
| Debt/EBITDA | 4.08 | ||
| Cap/Depr | -24.05% | ||
| Cap/Sales | 1.06% | ||
| Interest Coverage | 7.74 | ||
| Cash Conversion | 638.07% | ||
| Profit Quality | 624.61% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.7%
ROIC/WACC0.17
Cap/Depr(3y)30.58%
Cap/Depr(5y)179.02%
Cap/Sales(3y)1.13%
Cap/Sales(5y)1.05%
Profit Quality(3y)692.82%
Profit Quality(5y)464.58%
High Growth Momentum
Growth
EPS 1Y (TTM)21.23%
EPS 3Y-16.25%
EPS 5Y6.42%
EPS Q2Q%25.38%
EPS Next Y5.19%
EPS Next 2Y18.06%
EPS Next 3Y15.34%
EPS Next 5YN/A
Revenue 1Y (TTM)16.7%
Revenue growth 3Y-4.29%
Revenue growth 5Y10.12%
Sales Q2Q%11.85%
Revenue Next Year3.88%
Revenue Next 2Y7.37%
Revenue Next 3Y7.03%
Revenue Next 5YN/A
EBIT growth 1Y19.23%
EBIT growth 3Y-19.01%
EBIT growth 5Y6.62%
EBIT Next Year61.87%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y14.62%
FCF growth 3Y18.98%
FCF growth 5Y45.43%
OCF growth 1Y14.55%
OCF growth 3Y18.55%
OCF growth 5Y43.47%
FIDELITY NATIONAL FINANCIAL / FNF FAQ
What is the fundamental rating for FNF stock?
ChartMill assigns a fundamental rating of 4 / 10 to FNF.
What is the valuation status for FNF stock?
ChartMill assigns a valuation rating of 5 / 10 to FIDELITY NATIONAL FINANCIAL (FNF). This can be considered as Fairly Valued.
What is the profitability of FNF stock?
FIDELITY NATIONAL FINANCIAL (FNF) has a profitability rating of 3 / 10.
What are the PE and PB ratios of FIDELITY NATIONAL FINANCIAL (FNF) stock?
The Price/Earnings (PE) ratio for FIDELITY NATIONAL FINANCIAL (FNF) is 11.67 and the Price/Book (PB) ratio is 1.97.
Is the dividend of FIDELITY NATIONAL FINANCIAL sustainable?
The dividend rating of FIDELITY NATIONAL FINANCIAL (FNF) is 7 / 10 and the dividend payout ratio is 50.32%.