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FAF 
First American Corporation (FAF)
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Upturn Advisory Summary
12/02/2025: FAF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $76.8
1 Year Target Price $76.8
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.56% | Avg. Invested days 26 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.72B USD | Price to earnings Ratio 14.19 | 1Y Target Price 76.8 |
Price to earnings Ratio 14.19 | 1Y Target Price 76.8 | ||
Volume (30-day avg) 4 | Beta 1.29 | 52 Weeks Range 52.65 - 68.07 | Updated Date 12/1/2025 |
52 Weeks Range 52.65 - 68.07 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 3.30% | Basic EPS (TTM) 4.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.81% | Operating Margin (TTM) 14.5% |
Management Effectiveness
Return on Assets (TTM) 2.91% | Return on Equity (TTM) 9.29% |
Valuation
Trailing PE 14.19 | Forward PE 9.38 | Enterprise Value 6554744000 | Price to Sales(TTM) 0.95 |
Enterprise Value 6554744000 | Price to Sales(TTM) 0.95 | ||
Enterprise Value to Revenue 0.93 | Enterprise Value to EBITDA - | Shares Outstanding 101900000 | Shares Floating 98361013 |
Shares Outstanding 101900000 | Shares Floating 98361013 | ||
Percent Insiders 3.71 | Percent Institutions 95.71 |
Upturn AI SWOT
First American Corporation
Company Overview
History and Background
First American Corporation traces its roots back to 1889 with the establishment of Orange County Title Company. Over time, it expanded through acquisitions and organic growth to become a leading title insurance and real estate services provider.
Core Business Areas
- Title Insurance and Services: Provides title insurance policies and related services for residential and commercial properties.
- Specialty Insurance: Offers property and casualty insurance products, including homeowners and auto insurance.
- Data and Analytics: Provides property data, analytics, and valuation solutions to various industries.
- Banking Solutions: Provides settlement banking solutions for title agents and other related parties
Leadership and Structure
Dennis J. Gilmore is the Chairman of the Board. Kenneth D. DeGiorgio is the Chief Executive Officer. The company operates with a divisional structure aligned with its core business areas.
Top Products and Market Share
Key Offerings
- Title Insurance: Title insurance policies protecting against losses from defects in title to real property. First American is one of the largest title insurers in the US, holding a significant market share. Competitors include Fidelity National Financial (FNF), Stewart Information Services (STC), and Old Republic International (ORI).
- Closing and Settlement Services: Facilitates real estate transactions through escrow, closing, and settlement services. Market share tied closely to title insurance volume. Competitors include Fidelity National Financial (FNF), Stewart Information Services (STC), and Old Republic International (ORI).
- Property Data and Analytics: Provides data and analytics solutions for risk management, valuation, and other real estate-related applications. Competitors include CoreLogic (CLGX), Black Knight (BKI), and TransUnion (TRU).
Market Dynamics
Industry Overview
The title insurance industry is closely tied to the real estate market. It is affected by factors such as interest rates, housing starts, and refinancing activity. The industry is consolidating, with a few large players dominating the market.
Positioning
First American Corporation is a leading provider of title insurance and real estate-related services. Its competitive advantages include its established brand, extensive data assets, and wide distribution network.
Total Addressable Market (TAM)
The total addressable market for title insurance and related services is estimated to be in the billions of dollars annually. First American holds a leading position but competes intensely for market share.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive data assets
- Wide distribution network
- Experienced management team
- Leading market share
Weaknesses
- Sensitivity to real estate market cycles
- Exposure to claims and litigation
- High operating costs
- Dependence on technology infrastructure
Opportunities
- Expansion into new markets
- Development of new products and services
- Leveraging data analytics capabilities
- Strategic acquisitions
- Increased demand for digital real estate solutions
Threats
- Economic downturns
- Rising interest rates
- Increased competition
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FNF
- STC
- ORI
Competitive Landscape
First American competes primarily on price, service, and technology. Its competitive advantages include its established brand, extensive data assets, and wide distribution network.
Major Acquisitions
Docutech
- Year: 2020
- Acquisition Price (USD millions): 350
- Strategic Rationale: Docutech provided document generation and eClosing software for mortgage industry. It was intended to increase First American's digitization of real estate transactions.
Growth Trajectory and Initiatives
Historical Growth: Historically, First American's growth has been tied to the real estate market. Periods of strong housing activity have led to increased revenue and profits.
Future Projections: Future growth is expected to be driven by continued expansion into new markets, development of innovative products and services, and leveraging data analytics capabilities. Analyst estimates would provide specifics. Need to reference market data.
Recent Initiatives: Recent initiatives include investments in technology, expansion of digital real estate solutions, and strategic acquisitions.
Summary
First American Corporation is a leading title insurance and real estate services provider that operates in a cyclical industry. The company benefits from a strong brand and extensive data assets, however is reliant on the strength of the housing market. First American is looking to expand its digital capabilities and explore opportunities in new markets to drive future growth. Maintaining a strong balance sheet and adapting to regulatory changes will be critical for the company's long-term success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
- Company Website.
Disclaimers:
The information provided is for general informational purposes only and should not be construed as investment advice. Actual data may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First American Corporation
Exchange NYSE | Headquaters Santa Ana, CA, United States | ||
IPO Launch date 2010-05-28 | CEO & Director Mr. Mark Edward Seaton | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 19038 | Website https://www.firstam.com |
Full time employees 19038 | Website https://www.firstam.com | ||
First American Financial Corporation, through its subsidiaries, provides financial services. It operates through Title Insurance and Services, and Home Warranty segments. The Title Insurance and Services segment issues title insurance policies on residential and commercial property, as well as offers related products and services internationally. This segment also provides closing and/or escrow services; products, services, and solutions to mitigate risk or otherwise facilitate real estate transactions; appraisals and other valuation-related products and services; lien release, document custodial, and default-related products and services; document generation services; warehouse lending services; and subservices mortgage loans; as well as banking, trust, and wealth management services. In addition, it accommodates tax-deferred exchanges of real estate; and maintains, manages, and provides access to title plant data and records. This segment offers its products through a network of direct operations and agents in various states and in the District of Columbia, as well as in Canada, the United Kingdom, Australia, New Zealand, South Korea, and internationally. The Home Warranty segment provides home warranty products, including residential service contracts that cover residential systems, such as heating and air conditioning systems, and various appliances against failures that occur as the result of normal usage during the coverage period. This segment operates in various states and the District of Columbia. First American Financial Corporation was founded in 1889 and is based in in Santa Ana, California.
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