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Upturn AI SWOT - About
FNF 
Fidelity National Financial Inc (FNF)
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Upturn Advisory Summary
04/22/2025: FNF (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 7.13% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 17.00B USD | Price to earnings Ratio 12.81 | 1Y Target Price 71.6 |
Price to earnings Ratio 12.81 | 1Y Target Price 71.6 | ||
Volume (30-day avg) 1830244 | Beta 1.13 | 52 Weeks Range 46.50 - 66.72 | Updated Date 04/21/2025 |
52 Weeks Range 46.50 - 66.72 | Updated Date 04/21/2025 | ||
Dividends yield (FY) 3.36% | Basic EPS (TTM) 4.65 |
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 9.26% | Operating Margin (TTM) 16.34% |
Management Effectiveness
Return on Assets (TTM) 1.37% | Return on Equity (TTM) 17.4% |
Valuation
Trailing PE 12.81 | Forward PE 12.82 | Enterprise Value 17677136369 | Price to Sales(TTM) 1.24 |
Enterprise Value 17677136369 | Price to Sales(TTM) 1.24 | ||
Enterprise Value to Revenue 1.32 | Enterprise Value to EBITDA - | Shares Outstanding 274990016 | Shares Floating 260044009 |
Shares Outstanding 274990016 | Shares Floating 260044009 | ||
Percent Insiders 5.52 | Percent Institutions 81.7 |
Analyst Ratings
Rating 4.2 | Target Price 67.8 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Fidelity National Financial Inc
Company Overview
History and Background
Fidelity National Financial, Inc. (FNF) traces its roots back to 1847 with the founding of the predecessor company, Title Insurance and Trust Company. Over time, it evolved through mergers, acquisitions, and strategic expansions to become a leading provider of title insurance and transaction services to the real estate and mortgage industries. FNF has grown significantly through strategic acquisitions and organic growth, establishing a strong presence in the market.
Core Business Areas
- Title Insurance: FNF's core business is providing title insurance and related services. This includes underwriting title insurance policies, conducting title searches and examinations, and closing real estate transactions. They provide title insurance policies to protect real estate owners and lenders against losses from defects in title to property.
- Transaction Services: FNF also provides technology and transaction services to the real estate and mortgage industries. These services include closing and escrow services, default services, and other related offerings. They offer a suite of solutions to streamline and support the real estate transaction process.
Leadership and Structure
FNF is led by a team of experienced executives. The organizational structure typically includes executive management, divisional leadership overseeing specific business segments, and functional departments such as finance, legal, and operations.
Top Products and Market Share
Key Offerings
- Title Insurance Policies: Title insurance policies protect homeowners and lenders from financial loss due to title defects, liens, or other encumbrances. FNF is a leading provider of title insurance, with a significant market share. Competitors include First American Financial (FAF) and Old Republic International (ORI).
- Closing and Escrow Services: FNF facilitates the closing process for real estate transactions, including managing escrow accounts and disbursing funds. This contributes significantly to FNF's overall revenue. Competitors include Stewart Information Services (STC) and numerous regional and local providers.
Market Dynamics
Industry Overview
The title insurance industry is closely tied to the real estate and mortgage markets. Factors such as interest rates, housing affordability, and economic growth influence industry performance. The industry is characterized by a few large players and numerous smaller regional companies.
Positioning
FNF holds a leading position in the title insurance industry due to its size, established brand, and extensive network. Its competitive advantages include its strong financial position, technology investments, and broad geographic reach.
Total Addressable Market (TAM)
The total addressable market for title insurance is estimated to be tens of billions of dollars annually, fluctuating with real estate transaction volume. FNF is positioned to capture a significant share of this TAM through its leading market position and broad range of services.
Upturn SWOT Analysis
Strengths
- Leading market share in the title insurance industry
- Strong brand recognition and reputation
- Extensive network of offices and agents
- Diversified revenue streams
- Financial Strength
Weaknesses
- Sensitivity to fluctuations in the real estate market
- Exposure to regulatory changes and compliance risks
- Potential for claims and litigation
- Competition from other title insurance companies
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Increased adoption of technology in the real estate industry
- Acquisitions of smaller competitors
- Growing international real estate market
Threats
- Economic downturn and decline in real estate transactions
- Rising interest rates and decreased housing affordability
- Increased competition from existing and new players
- Regulatory changes that could impact the title insurance industry
- Cybersecurity threats and data breaches
Competitors and Market Share
Key Competitors
- FAF
- STC
- ORI
Competitive Landscape
FNF benefits from scale, brand recognition, and a wide distribution network. However, competitors are investing in technology and expanding their service offerings. FNF must continually innovate to maintain its competitive edge.
Major Acquisitions
TitleWave Real Estate Solutions
- Year: 2017
- Acquisition Price (USD millions): 210
- Strategic Rationale: Expand its technology and data capabilities.
Growth Trajectory and Initiatives
Historical Growth: FNF's historical growth has been driven by acquisitions, organic growth in its core title insurance business, and expansion into related services.
Future Projections: Future growth projections depend on market conditions and analyst estimates, requiring up-to-date financial information.
Recent Initiatives: Recent initiatives may include technology investments, acquisitions, and partnerships to expand its market presence and offerings.
Summary
Fidelity National Financial is a strong leader in the title insurance industry, benefiting from its size and brand. However, its performance is closely tied to the real estate market's cyclical nature. The company needs to continue to invest in technology and adapt to changing market dynamics to maintain its competitive position and maximize shareholder value in the face of economic headwinds.
Similar Companies
FAF
First American Corporation
FAF
First American Corporation
ORI
Old Republic International Corp
ORI
Old Republic International Corp
STC
Stewart Information Services Corp
STC
Stewart Information Services Corp
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market analysis reports
- Publicly available information
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available information. Financial data requires further updates for precise analysis.
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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