FIDELITY NATIONAL FINANCIAL (FNF) Stock Fundamental Analysis

NYSE:FNF • US31620R3030

51.94 USD
+0.91 (+1.78%)
At close: Feb 24, 2026
51.94 USD
0 (0%)
After Hours: 2/24/2026, 4:32:46 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

FNF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 150 industry peers in the Insurance industry. FNF has a bad profitability rating. Also its financial health evaluation is rather negative. FNF is valued quite cheap, but it does not seem to be growing. Finally FNF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
  • Of the past 5 years FNF 4 years were profitable.
  • Of the past 5 years FNF 4 years had a positive operating cash flow.
FNF Yearly Net Income VS EBIT VS OCF VS FCFFNF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

  • FNF has a Return On Assets of 1.10%. This is comparable to the rest of the industry: FNF outperforms 41.33% of its industry peers.
  • FNF has a better Return On Equity (13.99%) than 68.00% of its industry peers.
  • FNF has a Return On Invested Capital (1.36%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FNF is significantly below the industry average of 15.13%.
Industry RankSector Rank
ROA 1.1%
ROE 13.99%
ROIC 1.36%
ROA(3y)1.32%
ROA(5y)2.28%
ROE(3y)15.01%
ROE(5y)18.36%
ROIC(3y)1.58%
ROIC(5y)2.53%
FNF Yearly ROA, ROE, ROICFNF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • FNF's Profit Margin of 8.32% is in line compared to the rest of the industry. FNF outperforms 50.67% 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 12.97%, FNF is in line with its industry, outperforming 53.33% of the companies in the same industry.
  • In the last couple of years the Operating Margin of FNF has declined.
Industry RankSector Rank
OM 12.97%
PM (TTM) 8.32%
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
FNF Yearly Profit, Operating, Gross MarginsFNF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • FNF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • There is no outstanding debt for FNF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FNF Yearly Shares OutstandingFNF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
FNF Yearly Total Debt VS Total AssetsFNF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

  • FNF has a debt to FCF ratio of 0.78. This is a very positive value and a sign of high solvency as it would only need 0.78 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 0.78, FNF is doing good in the industry, outperforming 75.33% of the companies in the same industry.
  • A Debt/Equity ratio of 0.53 indicates that FNF is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.53, FNF is not doing good in the industry: 73.33% of the companies in the same industry are doing better.
  • Even though the debt/equity ratio score it not favorable for FNF, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 0.78
Altman-Z N/A
ROIC/WACC0.18
WACC7.55%
FNF Yearly LT Debt VS Equity VS FCFFNF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FNF Yearly Current Assets VS Current LiabilitesFNF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.33% over the past year.
  • The Earnings Per Share has been decreasing by -1.28% on average over the past years.
EPS 1Y (TTM)7.33%
EPS 3Y-2.66%
EPS 5Y-1.28%
EPS Q2Q%5.22%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.88%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.08% on average over the next years. This is quite good.
  • FNF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.51% yearly.
EPS Next Y25.38%
EPS Next 2Y19.98%
EPS Next 3Y13.08%
EPS Next 5YN/A
Revenue Next Year9.57%
Revenue Next 2Y9.15%
Revenue Next 3Y6.51%
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.
FNF Yearly Revenue VS EstimatesFNF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
FNF Yearly EPS VS EstimatesFNF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.43, the valuation of FNF can be described as reasonable.
  • FNF's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.98, FNF is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.32, the valuation of FNF can be described as very reasonable.
  • FNF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FNF is cheaper than 67.33% of the companies in the same industry.
  • FNF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 10.43
Fwd PE 8.32
FNF Price Earnings VS Forward Price EarningsFNF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FNF is on the same level as its industry peers.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FNF indicates a rather cheap valuation: FNF is cheaper than 87.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.48
EV/EBITDA 11.12
FNF Per share dataFNF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as FNF's earnings are expected to grow with 13.08% in the coming years.
PEG (NY)0.41
PEG (5Y)N/A
EPS Next 2Y19.98%
EPS Next 3Y13.08%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.99%, FNF has a reasonable but not impressive dividend return.
  • FNF's Dividend Yield is a higher than the industry average which is at 2.62.
  • FNF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.99%

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
FNF Yearly Dividends per shareFNF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • FNF pays out 46.79% of its income as dividend. 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.
DP46.79%
EPS Next 2Y19.98%
EPS Next 3Y13.08%
FNF Yearly Income VS Free CF VS DividendFNF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
FNF Dividend Payout.FNF Dividend Payout, showing the Payout Ratio.FNF Dividend Payout.PayoutRetained Earnings

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FIDELITY NATIONAL FINANCIAL

NYSE:FNF (2/24/2026, 4:32:46 PM)

After market: 51.94 0 (0%)

51.94

+0.91 (+1.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-20
Earnings (Next)N/A
Inst Owners82.76%
Inst Owner Change-1.3%
Ins Owners5.57%
Ins Owner Change1.55%
Market Cap14.09B
Revenue(TTM)N/A
Net Income(TTM)1.17B
Analysts80
Price Target70.99 (36.68%)
Short Float %1.7%
Short Ratio2.99
Dividend
Industry RankSector Rank
Dividend Yield 3.99%
Yearly Dividend1.94
Dividend Growth(5Y)9.22%
DP46.79%
Div Incr Years13
Div Non Decr Years13
Ex-Date03-17
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.18%
Min EPS beat(2)-12.86%
Max EPS beat(2)8.49%
EPS beat(4)2
Avg EPS beat(4)-6.86%
Min EPS beat(4)-29.93%
Max EPS beat(4)8.49%
EPS beat(8)3
Avg EPS beat(8)-9%
EPS beat(12)4
Avg EPS beat(12)-9.32%
EPS beat(16)7
Avg EPS beat(16)-5.16%
Revenue beat(2)2
Avg Revenue beat(2)5.68%
Min Revenue beat(2)1.74%
Max Revenue beat(2)9.63%
Revenue beat(4)3
Avg Revenue beat(4)-0.95%
Min Revenue beat(4)-18.71%
Max Revenue beat(4)9.63%
Revenue beat(8)6
Avg Revenue beat(8)5.08%
Revenue beat(12)9
Avg Revenue beat(12)4.29%
Revenue beat(16)12
Avg Revenue beat(16)5.78%
PT rev (1m)-0.57%
PT rev (3m)-0.29%
EPS NQ rev (1m)0.4%
EPS NQ rev (3m)0.7%
EPS NY rev (1m)0.2%
EPS NY rev (3m)5.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.78%
Valuation
Industry RankSector Rank
PE 10.43
Fwd PE 8.32
P/S 1
P/FCF 2.48
P/OCF 2.42
P/B 1.69
P/tB N/A
EV/EBITDA 11.12
EPS(TTM)4.98
EY9.59%
EPS(NY)6.24
Fwd EY12.02%
FCF(TTM)20.91
FCFY40.26%
OCF(TTM)21.44
OCFY41.27%
SpS51.81
BVpS30.79
TBVpS-14.04
PEG (NY)0.41
PEG (5Y)N/A
Graham Number58.74
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 13.99%
ROCE 1.79%
ROIC 1.36%
ROICexc 1.4%
ROICexgc 2.05%
OM 12.97%
PM (TTM) 8.32%
GM N/A
FCFM 40.36%
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 RankSector Rank
Debt/Equity 0.53
Debt/FCF 0.78
Debt/EBITDA 3.31
Cap/Depr -28.77%
Cap/Sales 1.02%
Interest Coverage 8.44
Cash Conversion 438.36%
Profit Quality 485.37%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.55%
ROIC/WACC0.18
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)7.33%
EPS 3Y-2.66%
EPS 5Y-1.28%
EPS Q2Q%5.22%
EPS Next Y25.38%
EPS Next 2Y19.98%
EPS Next 3Y13.08%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.88%
Revenue Next Year9.57%
Revenue Next 2Y9.15%
Revenue Next 3Y6.51%
Revenue Next 5YN/A
EBIT growth 1Y61.27%
EBIT growth 3Y-19.01%
EBIT growth 5Y6.62%
EBIT Next Year61.87%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3.9%
FCF growth 3Y18.98%
FCF growth 5Y45.43%
OCF growth 1Y4.01%
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 of FIDELITY NATIONAL FINANCIAL (FNF) stock?

ChartMill assigns a valuation rating of 7 / 10 to FIDELITY NATIONAL FINANCIAL (FNF). This can be considered as Undervalued.


What is the profitability of FNF stock?

FIDELITY NATIONAL FINANCIAL (FNF) has a profitability rating of 3 / 10.


What is the valuation of FIDELITY NATIONAL FINANCIAL based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIDELITY NATIONAL FINANCIAL (FNF) is 10.43 and the Price/Book (PB) ratio is 1.69.


How sustainable is the dividend of FIDELITY NATIONAL FINANCIAL (FNF) stock?

The dividend rating of FIDELITY NATIONAL FINANCIAL (FNF) is 8 / 10 and the dividend payout ratio is 46.79%.