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FNF stock ticker logo

Fidelity National Financial, Inc.

NYSE•FNF
CEO: Mr. Michael Joseph Nolan
Sector: Financial Services
Industry: Insurance - Specialty
Listing Date: 2005-10-14
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.
Contact Information
601 Riverside Avenue, Jacksonville, FL, 32204, United States
904-854-8100
www.fnf.com
Market Cap
$12.92B
P/E (TTM)
21.4
19
Dividend Yield
4.3%
52W High
$64.34
52W Low
$45.94
52W Range
9%
Rank31Top 21.6%
5.0
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$4.07B+0.00%
4-Quarter Trend

EPS

-$0.43+0.00%
4-Quarter Trend

FCF

$1.84B+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Title Segment Revenue Growth Title segment revenues reached $8.49B in 2025, increasing $788M, driven by premium and fee increases.
Strong Operating Cash Flow Operating cash flow provided $5.83B in 2025, a decrease from $6.82B in 2024, supporting ongoing operations.
Investment Portfolio Size Total investment fair value grew to $69.00B by December 31, 2025, up from $59.50B reported in 2024.
F&G Debt Management Actions F&G issued $375M in 7.30% Junior Notes in January 2025, subsequently redeeming $300M of 5.50% Senior Notes.

Risk Factors

Real Estate Activity Dependence Title revenues highly correlated with real estate activity; high interest rates challenge mortgage funding supply and housing inventory.
Goodwill Impairment Potential Goodwill of $5.27B remains subject to impairment risk if economic conditions deteriorate significantly in future periods.
Regulatory Uncertainty Impact DOL fiduciary rule litigation creates hurdles; adverse rulings could materially affect agent business practices and compliance costs.
Cybersecurity Incident Exposure Experienced cybersecurity incident in late 2023; potential future losses from litigation or reputational damage remain.

Outlook

Title Segment Market Share Focus Strategy focuses on maximizing operating profits by increasing market share across multiple independent title brands.
F&G Fee-Based Business Shift F&G is strategically shifting toward fee-based, higher margin, less capital intensive annuity and life insurance business.
Capital Management Priorities Capital allocation strategy includes dividend payments, debt reduction, stock repurchases, and investing in subsidiary growth opportunities.

Peer Comparison

Revenue (TTM)

MET stock ticker logoMET
$76.13B
+8.6%
RGA stock ticker logoRGA
$23.41B
+6.2%
EG stock ticker logoEG
$17.32B
+1.4%

Gross Margin (Latest Quarter)

BCH stock ticker logoBCH
2129.7%
+35.5pp
BSAC stock ticker logoBSAC
193.1%
+5.8pp
FNF stock ticker logoFNF
98.2%
+1.9pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
MET$45.20B13.512.0%2.7%
BCH$19.26B15.021.2%21.0%
PFG$19.04B16.310.3%1.2%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
15.0%
Strong Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:May 5, 2026
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EPS:-
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Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
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Ratios
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LTM
No Data