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FNF 
Fidelity National Financial Inc (FNF)
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Upturn Advisory Summary
01/08/2026: FNF (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 $70
1 Year Target Price $70
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 9.84% | Avg. Invested days 46 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 01/08/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 15.14B USD | Price to earnings Ratio 13.26 | 1Y Target Price 70 |
Price to earnings Ratio 13.26 | 1Y Target Price 70 | ||
Volume (30-day avg) 4 | Beta 1.05 | 52 Weeks Range 48.10 - 62.93 | Updated Date 01/8/2026 |
52 Weeks Range 48.10 - 62.93 | Updated Date 01/8/2026 | ||
Dividends yield (FY) 3.53% | Basic EPS (TTM) 4.21 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.31% | Operating Margin (TTM) 13.8% |
Management Effectiveness
Return on Assets (TTM) 1.16% | Return on Equity (TTM) 13.96% |
Valuation
Trailing PE 13.26 | Forward PE 12.82 | Enterprise Value 16692302510 | Price to Sales(TTM) 1.08 |
Enterprise Value 16692302510 | Price to Sales(TTM) 1.08 | ||
Enterprise Value to Revenue 1.22 | Enterprise Value to EBITDA - | Shares Outstanding 271336723 | Shares Floating 256273174 |
Shares Outstanding 271336723 | Shares Floating 256273174 | ||
Percent Insiders 5.67 | Percent Institutions 82.86 |
Upturn AI SWOT
Fidelity National Financial Inc
Company Overview
History and Background
Fidelity National Financial, Inc. (FNF) was founded in 1984 by William P. Foley II. Initially, it focused on acquiring and managing title insurance companies. Over the decades, FNF has grown significantly through strategic acquisitions and organic expansion, evolving into a diversified financial services company with a strong presence in title insurance, specialty insurance, and transaction services.
Core Business Areas
- Title and Escrow: Fidelity National Financial's largest segment, providing title insurance, title search, and closing services for residential and commercial real estate transactions. This segment is crucial for real estate closings, protecting lenders and buyers from title defects.
- Specialty Insurance: This segment offers a variety of specialty insurance products, including home warranty, flood insurance, and other ancillary insurance services that complement real estate transactions.
- Transaction Services: This segment provides technology and services to support real estate and mortgage transactions, including loan origination software, appraisal management, and other ancillary services to streamline the real estate process.
Leadership and Structure
Fidelity National Financial is led by its Chairman and CEO, William P. Foley II. The company operates through various subsidiaries, including Fidelity National Title Group, which encompasses its title insurance operations. Its structure is characterized by a decentralized approach with a focus on leveraging acquired companies' expertise and market positions.
Top Products and Market Share
Key Offerings
- Title Insurance: FNF is one of the largest title insurance underwriters in the United States, offering protection against losses arising from title defects. Its market share in the title insurance industry is significant, estimated to be around 25-30% of the U.S. market. Key competitors include Old Republic Title, First American Title Insurance Company, and Stewart Title Guaranty Company.
- Escrow and Closing Services: FNF provides comprehensive escrow and closing services, managing the disbursement of funds and the execution of legal documents during real estate transactions. This service is integral to the title insurance offering and is a major revenue driver.
- Homeowner's Protection and Home Warranty: Through its specialty insurance segment, FNF offers products like home warranties to protect homeowners from unexpected repair costs for appliances and systems. This complements their core real estate services.
- Loan Origination and Servicing Technology: FNF's transaction services segment provides software and solutions to mortgage lenders and servicers, improving efficiency in loan processing and management. Competitors in this space include Encompass by Ellie Mae and Black Knight.
Market Dynamics
Industry Overview
Fidelity National Financial operates primarily in the real estate services and specialty insurance industries. The real estate market is highly cyclical, influenced by interest rates, housing demand, and economic conditions. The title insurance sector is a mature but essential part of real estate transactions, with a concentrated market of a few dominant players.
Positioning
FNF is a market leader in title insurance and real estate transaction services, benefiting from its scale, broad geographic reach, and strong brand recognition. Its diversified revenue streams across title, specialty insurance, and transaction services provide resilience. Its competitive advantages include a robust distribution network, established relationships with real estate agents and lenders, and a history of successful acquisitions.
Total Addressable Market (TAM)
The Total Addressable Market for title insurance and related real estate transaction services is substantial, driven by the volume of real estate transactions. While specific TAM figures vary, it can be estimated in the tens of billions of dollars annually, influenced by mortgage origination and refinancing activity. FNF holds a significant share of this TAM, particularly in the title insurance segment.
Upturn SWOT Analysis
Strengths
- Dominant market share in the US title insurance industry.
- Diversified business model across title, specialty insurance, and transaction services.
- Strong brand recognition and established relationships.
- Proven track record of successful strategic acquisitions.
- Experienced management team with a deep understanding of the real estate ecosystem.
Weaknesses
- High dependence on the cyclical real estate market.
- Integration challenges and costs associated with frequent acquisitions.
- Potential for disruption from technological advancements in the real estate transaction process.
- Regulatory scrutiny in the insurance and financial services sectors.
Opportunities
- Expansion into adjacent real estate technology solutions.
- Growth in commercial real estate transactions.
- Leveraging data analytics to enhance service offerings and operational efficiency.
- International market expansion opportunities.
- Increased demand for ancillary insurance products in a growing housing market.
Threats
- Significant downturns in the housing market.
- Increased competition from new technology-driven entrants.
- Interest rate hikes negatively impacting mortgage origination volume.
- Cybersecurity threats and data breaches.
- Changes in regulatory landscapes impacting insurance and financial services.
Competitors and Market Share
Key Competitors
- First American Financial Corporation (FAF)
- Old Republic International Corporation (ORI)
- Stewart Information Services Corporation (STC)
Competitive Landscape
FNF's primary competitive advantage lies in its scale, extensive geographic coverage, and diversified business model. It faces intense competition from other large title insurance underwriters who also possess significant market share and established networks. Technology is an increasingly important differentiator, with companies investing in platforms to improve efficiency and customer experience.
Major Acquisitions
TitleSource, Inc.
- Year: 2016
- Acquisition Price (USD millions):
- Strategic Rationale: Acquisition to expand title and escrow operations in key markets and enhance service capabilities.
J.P. Morgan Chase's title insurance business
- Year: 2004
- Acquisition Price (USD millions):
- Strategic Rationale: Significant acquisition to bolster market share and expand its national footprint in title insurance.
Growth Trajectory and Initiatives
Historical Growth: FNF has demonstrated consistent historical growth, largely fueled by strategic acquisitions that have expanded its market reach and service offerings. Organic growth has also been a factor, driven by increasing transaction volumes and the introduction of new services. The company has successfully integrated numerous businesses, solidifying its position in the industry.
Future Projections: Analyst projections for FNF's future growth are generally positive, albeit subject to the cyclical nature of the real estate market. Expectations often center on continued market share gains in title insurance, expansion of its transaction services technology, and potential contributions from new acquisitions. Growth is also anticipated from its specialty insurance lines.
Recent Initiatives: Recent initiatives by FNF have focused on enhancing its technology platforms to streamline real estate transactions, expanding its digital offerings for customers, and exploring opportunities in adjacent real estate-related services. The company continues to actively seek and integrate strategic acquisitions to bolster its market position and diversify its revenue streams.
Summary
Fidelity National Financial Inc. (FNF) is a dominant player in the US title insurance market with a strong and diversified business model. Its established market position, consistent financial performance, and history of strategic acquisitions are significant strengths. However, its heavy reliance on the cyclical real estate market and potential for technological disruption represent key areas to monitor. Continued investment in technology and prudent management of acquisitions will be crucial for its sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Fidelity National Financial Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Industry Reports and Market Research
- Financial News Outlets
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Data is based on publicly available information and may be subject to change. Numerical data for market share and acquisition prices are estimates or may not be publicly disclosed.
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 Fidelity National Financial Inc
Exchange NYSE | Headquaters Jacksonville, FL, United States | ||
IPO Launch date 2005-10-14 | CEO - | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 23533 | Website https://www.fnf.com |
Full time employees 23533 | Website https://www.fnf.com | ||
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.
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