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Fidelity National Financial, Inc.

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
$14.33B
P/E (TTM)
12.3
20.4
Dividend Yield
3.8%
52W High
$64.34
52W Low
$48.80
52W Range
26%
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

Q3 2025 Data

Revenue

$3.94B+9.33%
4-Quarter Trend

EPS

-$1.32-234.69%
4-Quarter Trend

FCF

$1.27B-45.27%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Quarterly Revenue Growth Total revenues reached $4.03B USD for the quarter, marking an 11.9% increase compared to $3.60B USD in the prior year period.
Significant Net Earnings Jump Net earnings for the three months ended September 30 were $389M USD, showing a substantial 43.5% increase over the $271M USD reported last year.
Total Assets Growth Total assets grew to $106.64B USD as of September 30, 2025, up from $95.26B USD at December 31, 2024, reflecting balance sheet expansion.
F&G Earnings Decline Nine months net earnings were $765M USD, a decrease of $118M USD compared to $883M USD earned in the first nine months of 2024.

Risk Factors

Regulatory/Legal Uncertainty Ongoing litigation regarding the DOL Fiduciary Rule and other regulatory changes could materially affect business operations and compliance costs.
F&G Reinsurance Concentration Significant reinsurance risk concentration exists with top reinsurers like Aspida Re and Somerset; failure could materially impact financial position.
Title Segment Lagging Title segment revenue growth lags expenses due to timing differences in recognizing premium revenue versus incurring agent commissions and operating costs.

Outlook

F&G Stock Distribution F&G approved a special stock distribution of approximately 12% of outstanding shares, scheduled for December 31, 2025, to FNF shareholders.
Capital Allocation Strategy Management continues assessing capital allocation, including debt reduction, stock repurchases, and supporting organic growth opportunities for F&G.
New Accounting Standard Adoption The Company is evaluating impacts from recently issued ASUs regarding income tax disclosures (ASU 2023-09) effective after December 15, 2024.

Peer Comparison

Revenue (TTM)

MetLife, Inc.MET
$71.29B
-0.1%
Reinsurance Group of America, IncorporatedRGA
$22.25B
+1.8%
Everest Group, Ltd.EG
$17.51B
+8.6%

Gross Margin (Latest Quarter)

Banco de ChileBCH
100.0%
+35.5pp
Assurant, Inc.AIZ
78.0%
+4.2pp
East West Bancorp, Inc.EWBC
61.1%
+8.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
MET$50.58B13.313.8%2.8%
BCH$20.26B14.021.9%25.6%
PFG$19.90B12.613.9%1.2%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.8%
Moderate Growth
4Q Net Income CAGR
-7.3%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 19, 2026
|
EPS:$1.51
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 10, 2025|
    Revenue: $3.94B+9.3%
    |
    EPS: $-1.32-234.7%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $3.58B+12.1%
    |
    EPS: $1.02-9.7%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $2.75B-16.6%
    |
    EPS: $0.30-67.4%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 28, 2025|
    Revenue: $13.36B+15.9%
    |
    EPS: $4.69+145.6%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $3.60B+29.7%
    |
    EPS: $0.98-38.0%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $3.19B+3.9%
    |
    EPS: $1.13+39.5%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 10, 2024|
    Revenue: $3.30B+33.3%
    |
    EPS: $0.92-378.8%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 29, 2024|
    Revenue: $11.79B+2.0%
    |
    EPS: $1.91-59.4%
    Beat