FIDELITY NATIONAL FINANCIAL (FNF) 43.165 -0.36 (-0.82%)
43.165 -0.36 (-0.82%)
US31620R3030 - Common Stock
Fundamental Rating
Taking everything into account, FNF scores 4 out of 10 in our fundamental rating. FNF was compared to 148 industry peers in the Insurance industry. While FNF is still in line with the averages on profitability rating, there are some concerns on its financial health. FNF is cheap, but on the other hand it scores bad on growth
Profitability
Profitability Rating
FNF has a Return On Assets of 2.58%. This is better than the industry average of 1.68%.
FNF's Return On Equity of 28.03% is amongst the best returns of the industry. FNF outperforms 89% of its industry peers. The industry average return on equity is 12.86%.
FNF has a Profit Margin of 11.60%. This is comparable to the industry average of 9.07%.
The Piotroski-F score of FNF is 5.00. This is a neutral score and indicates average health and profitability for FNF.
VS Industry
ROA (2.58%) VS Industry: 63% outperformed.
0.04
28.75
ROE (28.03%) VS Industry: 89% outperformed.
0.61
96.89
Profit Margin (11.6%) VS Industry: 57% outperformed.
-1.92
123.31
Valuation
Valuation Rating
The Price/Earnings Ratio is 6.64, which indicates a rather cheap valuation of FNF.
Compared to an average industry Price/Earning Ratio of 10.86, FNF is valued a bit cheaper than its industry peers.
The Forward Price/Earnings Ratio of 8.22 indicates a rather cheap valuation of FNF.
The low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
Compared to an average industry Enterprise Value to EBITDA ratio of 8.56, FNF is valued rather cheaply
With a price book ratio of 2.06, FNF is valued correctly.
When comparing the price book ratio of FNF to the average industry price book ratio of 1.12, FNF is valued more expensive than its industry peers.
VS Industry
Price/Earnings (6.64) VS Industry: 68% outperformed.
74.74
0.65
Price/Book (2.06) VS Industry: 24% outperformed.
124.87
0.10
Enterprise Value/ EBITDA (5.72) VS Industry: 69% outperformed.
653.34
1.10
Growth
Growth Rating
FNF shows a strong growth in Earnings Per Share. Measured over the last 5 years, the EPS has been growing by 26.18% yearly.
Measured over the past 5 years, FNF shows a quite strong growth in Revenue. The Revenue has been growing by 16.60% on average per year.
FNF is expected to show a decrease in Earnings Per Share. In the coming 5 years, the EPS will decrease by -9.78% yearly.
Looking at the last year, FNF shows a decrease in Revenue. The Revenue has decreased by -5.58% in the last year.
FNF is expected to show a decrease in Revenue. In the coming 5 years, the Revenue will decrease by -8.22% yearly.
FNF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.13%.
When comparing the EPS growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is decreasing.
The Revenue growth is decreasing: in the next 5 years the growth will be less than in the last years.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 26.18% | 43.21% | -16.13% | -29.23% | -18.49% | -9.78% | N/A |
| Revenue | 16.6% | 27.24% | -5.58% | -15.8% | -11.89% | -8.22% | N/A |
Health
Health Rating
FNF has a Piotroski-F score of 5.00. This indicates an average health and profitability for FNF.
When comparing the Debt to Equity Ratio of FNF to the average industry Debt to Equity Ratio of 0.36, FNF required more debt to finance its operations than its industry peers.
VS Industry
Debt/Equity (0.47) VS Industry: 34% outperformed.
17.94
0.00
Dividend
Dividend Rating
FNF has a Yearly Dividend Yield of 4.29%, which is a nice return.
Compared to an average industry Dividend Yield of 2.42, FNF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, FNF pays a better dividend.
The dividend of FNF is nicely growing with an annual growth rate of 9.14%!
FNF pays out 30.67% of its income as dividend. This is a sustainable payout ratio.
FNF has been paying a dividend for at least 10 years, so it has a reliable track record.
The Dividend Rate of FNF has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
VS Industry
Dividend Yield (4.29%) VS Industry: 71% outperformed.
0.07
14.20
FIDELITY NATIONAL FINANCIAL43.165
NYSE:FNF (1/30/2023, 12:33:22 PM)-0.36 (-0.82%)
| GICS Sector | Financials | ||
| GICS IndustryGroup | Insurance | ||
| GICS Industry | Insurance | ||
| Earnings (Last) | 11-08 2022-11-08/amc | Earnings (Next) | 02-21 2023-02-21 |
| Inst Owners | 77.38% | Inst Owner Change | 0.11% |
| Ins Owners | 2.96% | Ins Owner Change | 11.29% |
| Market Cap | 11.75B | Analysts | 78.18 |
| Price Target | 51.61 (19.56%) | ||
| Dividend Yield | 4.29% | Dividend Growth | 9.14% |
| DP | 30.67% | Ex-Date | N/A |
| EPS beat(2) | 1 | Avg EPS beat(2) | -4.26% |
| Min EPS beat(2) | -25.65% | Max EPS beat(2) | 17.12% |
| EPS beat(4) | 3 | Avg EPS beat(4) | 7.32% |
| Min EPS beat(4) | -25.65% | Max EPS beat(4) | 31.08% |
| Revenue beat(2) | 1 | Avg Revenue beat(2) | -9.46% |
| Min Revenue beat(2) | -23.58% | Max Revenue beat(2) | 4.67% |
| Revenue beat(4) | 3 | Avg Revenue beat(4) | 10.2% |
| Min Revenue beat(4) | -23.58% | Max Revenue beat(4) | 52.72% |
| PT rev (1m) | 1.2% | EPS NQ rev (1m) | 0% |
| EPS NY rev (1m) | 0% | Revenue NQ rev (1m) | 0% |
| Revenue NY rev (1m) | 0% | ||
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.64 | ||
| Fwd PE | 8.22 | ||
| P/S | 0.85 | ||
| P/FCF | 2.72 | ||
| P/OCF | 2.63 | ||
| P/B | 2.06 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.72 |
| EPS(TTM) | 6.5 | EY | 15.06% |
| EPS(NY) | 5.25 | Fwd EY | 12.16% |
| FCF(TTM) | 15.88 | FCFY | 36.79% |
| OCF(TTM) | 16.41 | OCFY | 38.03% |
| SpS | 50.71 | BVpS | 20.99 |
| TBVpS | -11.59 | PEG (NY) | N/A |
| PEG (5Y) | 0.25 | ||
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.58% | ||
| ROE | 28.03% | ||
| ROIC | 3.15% | ||
| ROICexc | 3.29% | ||
| ROICexgc | 4.58% | ||
| OM | 16.71% | ||
| PM | 11.6% | ||
| GM | N/A |
| ROICexgc(3y) | 16.22% | ROICexcg growth 3Y | -38.95% |
| ROICexcg growth 5Y | -9.45% | ROICexc(3y) | 8.13% |
| ROICexc growth 3Y | -21.5% | ROICexc growth 5Y | -6.84% |
| OM growth 3Y | 25.09% | OM growth 5Y | 7.8% |
| PM growth 3Y | 23.25% | PM growth 5Y | 11.57% |
| GM growth 3Y | N/A | GM growth 5Y | N/A |
| F-Score | 5 | Asset Turnover | 0.22 |
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 0.62 | ||
| Debt/EBITDA | 1.28 | ||
| Cap/Depr | -73.6% | ||
| Profit Quality | 269.96% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
| F-Score | 5 | WACC | 7.17% |
| ROIC/WACC | 0.64 | Cap/Depr(3y) | 285.76% |
| Cap/Depr(5y) | 188.24% | Profit Quality(3y) | 120.95% |
| Profit Quality(5y) | 115.21% | ||
| EPS 1Y | -16.13% | EPS 3Y | 43.21% |
| EPS 5Y | 26.18% | EPS growth Q2Q | -49.53% |
| EPS Next Y | -29.23% | EPS Next 2Y | -18.49% |
| EPS Next 3Y | -9.78% | EPS Next 5Y | N/A |
| Revenue growth 1Y | -5.58% | Revenue growth 3Y | 27.24% |
| Revenue growth 5Y | 16.6% | Revenue growth Q2Q | -17.6% |
| Revenue Next Year | -15.8% | Revenue Next 2Y | -11.89% |
| Revenue Next 3Y | -8.22% | Revenue Next 5Y | N/A |
| EBIT growth 1Y | -32.91% | EBIT growth 3Y | 59.16% |
| EBIT growth 5Y | 25.69% | EBIT Next Year | -13.34% |
| EBIT Next 3Y | N/A | EBIT Next 5Y | N/A |
| FCF growth 1Y | 236.6% | FCF growth 3Y | 66.35% |
| FCF growth 5Y | 35.34% | OCF growth 1Y | 222.29% |
| OCF growth 3Y | 63.08% | OCF growth 5Y | 28.62% |
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