Stock Analysis
Fidelity National Financial, Inc.FNF
P/E 13.91×· 5Y range 4.45–23.73×· 46th percentile of history
Sector: Financial Services · Industry: Title Insurance
AnalystsStrong Buy10 analystsP/E 13.9× sits at the 46th percentile of its 5.059548254620124-year history.
Cash covers 63% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Quality60
Risks
- Growth25
- Financial Health41
Mixed picture — no clear quality or value edge.
What's happening with FNF
Profile
growth, moat and financial health lag behind.
How is each axis scored?
- Valuation72/100 · Moderate
- P/E vs own history (46th pct)12/25
- FCF yield (n/a)10/25
- P/S (0.7x)25/25
- EV/EBIT (5.8x)25/25
- Growth25/100 · Weak
- Revenue CAGR (-2.0%)0/25
- Net income CAGR (-29.4%)0/25
- EPS CAGR 5Y (-28.4%)0/25
- Fwd implied growth (78.6%)25/25
- Profitability57/100 · Moderate
- ROIC (16.0%)20/25
- ROE (8.8%)12/25
- Net margin (5.0%)13/25
- Operating margin (13.9%)12/25
- Financial Health41/100 · Weak
- Altman Z (0.16)3/25
- Current ratio (0.37)0/25
- Interest coverage (5.9x)18/25
- Net cash / debt (D/A 2%)20/25
- Quality60/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.60)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 5.2%)20/25
- Moat37/100 · Weak
- ROIC >12% years (5/5 yrs)25/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 4.2%)12/25
Risk Flags
- ⚠Altman Z 0.2 — distress-zone balance sheet
- ⚠Revenue shrinking 2.0%/yr
About Fidelity National Financial, Inc.
Fidelity National Financial Inc is a provider of (i) title insurance, escrow and other title-related services, including trust activities, trustee sales guarantees, recordings and reconveyances and home warranty and (ii) transaction services to the real estate and mortgage industries. Show more
It operates in three segments: Title, F&G, Corporate and Other. The title segment that derives the majority of revenue consists of the operations of title insurance underwriters and related businesses, which provide title insurance and escrow and other title-related services including trust activities, trustee sales guarantees, and home warranty products. All of the company's revenue is generated in the United States.
Headquarters: JACKSONVILLE, FL · Employees: 24,535 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
72B+P/E (TTM)13.9xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 4.5x–23.7x · 46th pct
P/FCF2.0xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield50.4%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)0.70xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.6x–1.4x · 3rd pct
EV/EBIT5.8xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 5.7x–7.6x · 13th pct
EV/Sales0.8xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E7.8xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.21xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.24C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield5.13%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio46.5%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
57CROIC16.0%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE8.8%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.7%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin5.0%C
Grade C: AverageNet Income / Revenue
Operating Margin13.9%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
25ERevenue CAGR-2.0%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-29.4%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-28.4%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth78.6%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-7.2%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income12.0%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.6%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
41D+Altman Z-Score0.16D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.37xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.00xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage5.9xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT0.8xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.54xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.63xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
60BPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.60A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability5.2%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.14xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Shea Peter O Jr Filed | Shea Peter O Jr | Grant / award | +1.3K | |
Ammerman Douglas K Filed | Ammerman Douglas K | Grant / award | +422 | |
Shea Peter O Jr Filed | Shea Peter O Jr | Grant / award | +1.1K | |
Ammerman Douglas K Filed | Ammerman Douglas K | Grant / award | +342 | |
Dhanidina Halim Filed | Dhanidina Halim | SellOpen market sale | -9543 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Nolan Michael Joseph Filed | Nolan Michael Joseph | Grant / award | +39.5K | |
SADOWSKI PETER T Filed | SADOWSKI PETER T | SellOpen market sale | -473 | |
Shea Peter O Jr Filed | Shea Peter O Jr | Grant / award | +1.1K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
37DROIC >12% Years5/5 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor4.2%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$2.88
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$11.79
Cash & short-term investments per share (Finnhub)
Book Value / Share$27.81
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$4.78B
Total debt obligations (short + long term)
Cash & Equiv.$3.04B
Cash and short-term investments
Net Debt$1.75B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$8.81B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$10.70B
Current Market Capitalization
Beta0.98B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Fidelity National Financial, Inc. (FNF)
FNF is up 0.93% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Fidelity National Financial, Inc.. Altman Z-Score of 0.16 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.60 suggests a low likelihood of earnings manipulation.
- Revenue has been contracting (CAGR ≈ -2%), which weighs on the growth outlook.
- At a valuation score of 72/100, FNF trades near the cheapest end of its own historical range (P/E 13.9).
- The stock currently yields 5.1% in dividends.
See how FNF ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all FNF moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 30 | Regular | 38.65 | -6.11% | -4.21 |
Frequently Asked Questions about FNF
What is the current Fidelity National Financial, Inc. (FNF) stock price?
FNF is trading at $40.05 at the last market close, up 0.93% on the session. PreMarketPrice tracks FNF pre-market, intraday and after-hours prices.
Is FNF stock a buy right now?
PreMarketPrice's quantitative model rates Fidelity National Financial, Inc.'s financial health at 41/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is FNF stock overvalued?
Fidelity National Financial, Inc. trades at a trailing P/E of 13.9 and our valuation score rates it 72/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Fidelity National Financial, Inc. report earnings?
No confirmed earnings date is currently scheduled for FNF. The Earnings section lists recent reports and updates as dates are announced.
What sector does Fidelity National Financial, Inc. operate in?
Fidelity National Financial, Inc. operates in the Financial Services sector, within the Title Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Fidelity National Financial, Inc. do?
Fidelity National Financial Inc is a provider of (i) title insurance, escrow and other title-related services, including trust activities, trustee sales guarantees, recordings and reconveyances and home warranty and (ii) transaction services to the real estate and mortgage industries.
About Fidelity National Financial, Inc. (FNF) Stock
Fidelity National Financial, Inc. (FNF) is a US-listed stock operating in the Financial Services sector, specifically the Title Insurance industry. As of the latest update, Fidelity National Financial, Inc. is trading at $40.05, up 0.93% on the day with a market capitalization of $10.7 billion. The financial health score for FNF is 41/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for FNF stock.
FNF Stock Analysis & Key Metrics
On PreMarketPrice, you can track Fidelity National Financial, Inc. (FNF) across multiple dimensions:
- Pre-market price & movement: Real-time FNF stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for FNF with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Fidelity National Financial, Inc. across multiple reporting periods.
- Financial health score: A composite score of 41/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for FNF.
- Sector peers: Compare FNF against 4 other financial services stocks on key financial metrics.
Is FNF a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Fidelity National Financial, Inc. (FNF) as an investment. The financial health score of 41/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Fidelity National Financial, Inc. (FNF) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.