FNF$58.5
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Powered by LiveAIOverall Analysis
BuyFidelity National Financial (FNF) presents a balanced investment profile with solid fundamental performance and a consistent dividend, although recent technical indicators suggest a cautious approach. The company's diversification into insurance and its established market position in title services offer stability, while potential for growth in its F&G segment adds an upside. Investors seeking income and stability with moderate growth potential may find FNF attractive.
Thematic
FNF operates within sectors tied to the real estate and financial services industries. While the real estate market experiences cyclicality, FNF's diversified business model, including its F&G segment focused on annuities and life insurance, provides some insulation. The increasing demand for homeownership and financial planning services supports its core businesses, but it is not at the forefront of disruptive technology themes.
Fundamental
FNF demonstrates robust financial health with consistent revenue generation and profitability. The company maintains a strong balance sheet with manageable debt levels and generates substantial free cash flow. Its consistent dividend payout further underscores its financial stability and commitment to shareholder returns.
Technical
The stock is trading near its 52-week high and shows positive momentum across several timeframes. However, some short-term oscillators suggest it might be approaching overbought territory, indicating potential for a brief pause or minor pullback.
| Factor | Score |
|---|---|
| Real Estate Market Dynamics | 70 |
| Financial Services & Insurance Growth | 75 |
| Interest Rate Sensitivity | 55 |
| Regulatory Environment (Financial Services) | 60 |
| Digital Transformation in Real Estate | 50 |
| Factor | Score |
|---|---|
| Valuation | 85 |
| Profitability | 78 |
| Growth | 70 |
| Balance Sheet Health | 88 |
| Cash Flow | 90 |
| Dividend Yield | 89 |
| Factor | Score |
|---|---|
| Trend Analysis | 78 |
| Momentum | 65 |
| Support & Resistance | 70 |
| Volume | 70 |
| Short-term Oscillators | 60 |
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Powered by LiveAIBullish Points (7)
Positive EPS Surprises
The company has exceeded earnings per share (EPS) estimates in several recent quarters, including a 7.89% surprise in Q1 2025 and a 1.13% surprise in Q4 2024. This suggests effective cost management and revenue generation capabilities.
Attractive P/E Ratio for Growth
The trailing P/E ratio of 14.00 for Fidelity National Financial, Inc. (FNF) appears reasonable, especially when considering its historical performance and forward-looking revenue and net income potential.
Bearish Points (7)
Recent EPS Misses
There have been recent instances where the company missed EPS estimates, such as the -29.23% surprise in Q2 2025 and a -7.26% surprise in Q3 2024, which could indicate challenges in meeting investor expectations.
Mixed Valuation Signals
While the TTM P/E is 14.00, the quarterly P/E ratios show significant volatility, with some quarters exhibiting very high P/E values (e.g., 213.4 in Q1 2025), suggesting potential overvaluation in specific periods or unusual earnings.
Calendar
June 2025
16
Ex-Dividend Date
June 2025
30
Next Dividend Date
August 2025
7
Next Earnings Date
H: $1.52
A: $1.41
L: $1.31
H: 3.64B
A: 3.54B
L: 3.41B
Profile
Fidelity National Financial, Inc., together with its subsidiaries, provides various insurance products in the United States. The company operates through Title, F&G, and Corporate and Other segments. It offers title insurance, escrow, and other title related services, including trust activities, trustee sales guarantees, recordings and reconveyances, and home warranty products. The company also provides technology and transaction services to the real estate and mortgage industries; and mortgage transaction services, including title-related services and facilitation of production and management of mortgage loans. In addition, it offers annuity and life insurance products, such as deferred and immediate annuities, as well as indexed universal life insurance products; and funding agreements and pension risk transfer (PRT) solutions. Further, the company engages in the real estate brokerage business. Fidelity National Financial, Inc. was incorporated in 2005 and is headquartered in Jacksonville, Florida.
Seasonals
Price Target
70.25 USD
The 39 analysts offering 1 year price forecasts for FNF have a max estimate of 77.00 and a min estimate of 65.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
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Cash Flow
Related Companies
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Direct and primary competitor in the title insurance and settlement services industry, offering similar products and services globally.
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Major direct competitor in title insurance, underwriting, and real estate services, competing for market share and clients.
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Through its Old Republic Title subsidiary, it is a significant direct competitor in the title insurance market.
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Acquired Black Knight, a former FNF spin-off, and is a major provider of mortgage technology, data, and analytics, directly impacting the mortgage ecosystem FNF serves.