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Upturn AI SWOT - About
FNF 
Fidelity National Financial Inc (FNF)
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Upturn Advisory Summary
08/28/2025: 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 $70.25
1 Year Target Price $70.25
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 19.59% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 16.45B USD | Price to earnings Ratio 15.17 | 1Y Target Price 70.25 |
Price to earnings Ratio 15.17 | 1Y Target Price 70.25 | ||
Volume (30-day avg) 4 | Beta 1.06 | 52 Weeks Range 50.61 - 66.12 | Updated Date 08/28/2025 |
52 Weeks Range 50.61 - 66.12 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.27% | Basic EPS (TTM) 3.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-08-06 | When - | Estimate 1.37 | Actual 1.16 |
Profitability
Profit Margin 7.9% | Operating Margin (TTM) 12.01% |
Management Effectiveness
Return on Assets (TTM) 1.15% | Return on Equity (TTM) 13.75% |
Valuation
Trailing PE 15.17 | Forward PE 12.82 | Enterprise Value 18093098788 | Price to Sales(TTM) 1.21 |
Enterprise Value 18093098788 | Price to Sales(TTM) 1.21 | ||
Enterprise Value to Revenue 1.36 | Enterprise Value to EBITDA - | Shares Outstanding 271723008 | Shares Floating 256843029 |
Shares Outstanding 271723008 | Shares Floating 256843029 | ||
Percent Insiders 5.6 | Percent Institutions 82.22 |
Upturn AI SWOT
Fidelity National Financial Inc
Company Overview
History and Background
Fidelity National Financial, Inc. (FNF) traces its roots back to 1847 as a title insurance company in California. It has grown through acquisitions to become a leading provider of title insurance and transaction services to the real estate and mortgage industries.
Core Business Areas
- Title Insurance: Provides title insurance policies and escrow services related to real estate transactions. Includes services for residential and commercial properties, as well as refinance transactions.
- Transaction Services: Offers technology and transaction services to the real estate and mortgage industries, including closing and post-closing services, default services, and specialized data solutions.
Leadership and Structure
FNF is led by a board of directors and a senior management team. Michael Nolan is the CEO and Chairman. The company operates through various subsidiaries organized by business line.
Top Products and Market Share
Key Offerings
- Title Insurance Policies: Core product. Offers title insurance policies protecting against losses from defects in title. Competitors include First American Financial (FAF), Old Republic International (ORI), and Stewart Information Services (STC). FNF's market share is approximately 25-30% in the US.
- Escrow Services: Facilitates real estate transactions by holding funds and documents until all conditions are met. Competitors include the title insurers listed above as well as independent escrow companies. Revenue generated is around $2 billion annually.
- Technology Solutions: Offers platforms and tools for real estate professionals. This segment's growth is highly variable and tied to real estate cycles.
Market Dynamics
Industry Overview
The title insurance industry is influenced by real estate market cycles, interest rates, and regulatory changes. Increased digitalization and automation are reshaping operations.
Positioning
FNF holds a leading position in the title insurance market due to its scale, established relationships, and brand recognition. Its competitive advantage lies in its operational efficiency and technology investments.
Total Addressable Market (TAM)
The total addressable market for title insurance and related services is estimated to be around $25 billion annually. FNF is positioned to capture a significant portion of this TAM due to its market leadership and extensive network.
Upturn SWOT Analysis
Strengths
- Market leading position
- Strong brand reputation
- Extensive network of agents and offices
- Operational efficiency
- Technology investments
Weaknesses
- Sensitivity to real estate cycles
- Reliance on title insurance market
- Exposure to regulatory changes
- Potential for claims impacting profitability
Opportunities
- Expansion into new geographic markets
- Development of new technology solutions
- Acquisition of smaller competitors
- Increased demand for digital title solutions
Threats
- Economic downturn and housing market decline
- Increased competition from existing players
- Emergence of new technologies disrupting the market
- Changes in regulations impacting title insurance
Competitors and Market Share
Key Competitors
- FAF
- ORI
- STC
Competitive Landscape
FNF's advantages include its scale, brand recognition, and technology. Disadvantages include its reliance on the real estate cycle and potential for claims.
Major Acquisitions
Title365 Company
- Year: 2019
- Acquisition Price (USD millions): 178
- Strategic Rationale: Expanded FNF's market share and enhanced its technology capabilities.
Growth Trajectory and Initiatives
Historical Growth: FNF has grown organically and through acquisitions. Historical growth has been tied to the real estate cycle.
Future Projections: Future growth is expected to be moderate, driven by technological innovation and market share gains. Analyst estimates vary depending on economic forecasts.
Recent Initiatives: FNF has invested in technology to enhance efficiency and expand its product offerings. The company has also pursued strategic acquisitions to increase market share.
Summary
Fidelity National Financial is a leading title insurance provider with a dominant market share and established brand. Its financial performance is closely tied to the real estate market, making it vulnerable to economic downturns. FNF's investments in technology and strategic acquisitions position it for continued growth, but it must navigate regulatory changes and competitive pressures. They should watch out for any claims it may need to pay out.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
- Company Press Releases
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be based on individual research and consultation with a financial professional.
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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