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Upturn AI SWOT - About
FAF 
First American Corporation (FAF)
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Upturn Advisory Summary
09/15/2025: 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 $77
1 Year Target Price $77
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.28% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.87B USD | Price to earnings Ratio 37.09 | 1Y Target Price 77 |
Price to earnings Ratio 37.09 | 1Y Target Price 77 | ||
Volume (30-day avg) 4 | Beta 1.28 | 52 Weeks Range 53.09 - 69.10 | Updated Date 09/15/2025 |
52 Weeks Range 53.09 - 69.10 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 3.18% | Basic EPS (TTM) 1.82 |
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 2.9% | Operating Margin (TTM) 12.67% |
Management Effectiveness
Return on Assets (TTM) 1.59% | Return on Equity (TTM) 3.84% |
Valuation
Trailing PE 37.09 | Forward PE 9.38 | Enterprise Value 7276318000 | Price to Sales(TTM) 1.05 |
Enterprise Value 7276318000 | Price to Sales(TTM) 1.05 | ||
Enterprise Value to Revenue 1.12 | Enterprise Value to EBITDA - | Shares Outstanding 101800000 | Shares Floating 97956032 |
Shares Outstanding 101800000 | Shares Floating 97956032 | ||
Percent Insiders 3.72 | Percent Institutions 93.41 |
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. It has grown through acquisitions and internal expansion to become a leading provider of title insurance and settlement services.
Core Business Areas
- Title Insurance and Services: Provides title insurance policies and related services, including escrow and closing services, to protect real estate owners and lenders against losses from defects in title.
- Specialty Insurance: Offers property and casualty insurance, as well as home warranty products.
- Data and Analytics: Provides property information and analytics, including data solutions, appraisal products, and other real estate-related services.
Leadership and Structure
First American Corporation is led by a board of directors and a senior management team. The organizational structure is based on business segments, with each segment having its own leadership and functional teams.
Top Products and Market Share
Key Offerings
- Title Insurance: Title insurance protects real estate owners and lenders against losses related to defects in the title. First American holds a significant market share in this area. Competitors include Fidelity National Financial, Stewart Information Services, and Old Republic International. Market share in title insurance is highly competitive, and fluctuates.
- Settlement Services: Escrow and closing services are provided to facilitate real estate transactions. Competition includes local and national providers. Revenue data specifically for this service is not publicly delineated.
- Property Data and Analytics: This segment provides information and analytics related to property ownership and real estate trends. Competitors include CoreLogic and Black Knight. Revenue is embedded within the Data and Analytics segment results, with specific breakouts unavailable to the public.
Market Dynamics
Industry Overview
The title insurance industry is closely tied to the real estate market and is influenced by factors such as interest rates, home sales, and refinancing activity. The industry is regulated and requires significant capital investment.
Positioning
First American is one of the largest title insurance companies in the United States, with a strong brand reputation and a large network of offices and agents. Its competitive advantages include its size, experience, and geographic reach.
Total Addressable Market (TAM)
The TAM for title insurance in the US is estimated to be in the billions of dollars annually, fluctuating based on real estate market conditions. First American is a market leader positioned to capture a significant portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large market share
- Extensive geographic presence
- Diversified product offerings
- Established relationships with agents and lenders
Weaknesses
- Sensitivity to real estate market cycles
- High regulatory compliance costs
- Exposure to cyber security threats
- Dependence on third-party agents
- Exposure to litigation risk
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Increased use of technology and automation
- Strategic acquisitions of smaller competitors
- Growth in the demand for data and analytics
Threats
- Economic downturns and declines in real estate activity
- Increased competition from existing and new players
- Changes in regulatory requirements
- Cyber security breaches
- Technological disruptions
Competitors and Market Share
Key Competitors
- FNF
- STC
- ORI
Competitive Landscape
First American is a large, established player in the title insurance industry. It faces competition from other large national companies, as well as smaller regional and local players. Competition is based on price, service, and brand reputation.
Major Acquisitions
Docutech
- Year: 2020
- Acquisition Price (USD millions): 350
- Strategic Rationale: Expanded First American's digital mortgage capabilities by integrating Docutech's document generation and e-signature platform.
Growth Trajectory and Initiatives
Historical Growth: Growth has been tied to the real estate market, with periods of rapid growth during boom times and slower growth during downturns.
Future Projections: Future growth depends on factors such as interest rates, housing demand, and the company's ability to innovate and adapt to changing market conditions. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in technology and automation to improve efficiency and enhance customer service.
Summary
First American is a leading title insurance provider benefiting from a strong brand and established market presence. It's heavily influenced by real estate cycles, facing regulatory and competitive pressures. Strategic acquisitions and tech investments aim to improve long-term prospects, but downturns pose significant challenges. Careful management and adaptation are vital.
Peer Comparison
Sources and Disclaimers
Data Sources:
- First American Corporation Investor Relations
- SEC Filings
- Industry reports
- Market Research Reports
- Financial news websites
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It should not be considered financial advice. Market share data are approximate and may vary depending on the source.
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 - | ||
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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