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Upturn AI SWOT - About
FNF 
Fidelity National Financial Inc (FNF)
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Upturn Advisory Summary
10/17/2025: FNF (1-star) is currently NOT-A-BUY. Pass it for now.
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 14.64% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 15.01B USD | Price to earnings Ratio 14.06 | 1Y Target Price 70 |
Price to earnings Ratio 14.06 | 1Y Target Price 70 | ||
Volume (30-day avg) 4 | Beta 1.08 | 52 Weeks Range 50.19 - 65.57 | Updated Date 10/17/2025 |
52 Weeks Range 50.19 - 65.57 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.59% | 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 - | When - | Estimate - | Actual - |
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 14.06 | Forward PE 12.82 | Enterprise Value 18090381563 | Price to Sales(TTM) 1.1 |
Enterprise Value 18090381563 | Price to Sales(TTM) 1.1 | ||
Enterprise Value to Revenue 1.36 | Enterprise Value to EBITDA - | Shares Outstanding 271722556 | Shares Floating 256843029 |
Shares Outstanding 271722556 | Shares Floating 256843029 | ||
Percent Insiders 5.6 | Percent Institutions 82.09 |
Upturn AI SWOT
Fidelity National Financial Inc
Company Overview
History and Background
Fidelity National Financial, Inc. (FNF) traces its roots back to 1847. Over time, it transformed into a leader in title insurance and transaction services. Significant milestones include strategic acquisitions and expansion into related real estate services.
Core Business Areas
- Title Insurance: FNF's core business segment provides title insurance and escrow services for residential and commercial real estate transactions.
- Real Estate Solutions: This segment offers technology and services to support the real estate industry, including mortgage solutions and default management services.
Leadership and Structure
The leadership team is headed by a CEO and includes executives responsible for different business segments and corporate functions. The organizational structure is hierarchical, with divisions focused on specific product lines and geographic regions.
Top Products and Market Share
Key Offerings
- Title Insurance Policies: Title insurance policies protect lenders and homeowners against losses from defects in title to real property. FNF is a leading provider. Competitors include First American Financial Corp (FAF) and Stewart Information Services Corp (STC). FNF holds significant market share.
- Technology and Transaction Services: FNF provides software and services that automate and streamline real estate transactions. Competitors include Black Knight (BKI) and Ellie Mae (ICE).
Market Dynamics
Industry Overview
The title insurance industry is sensitive to interest rates and real estate volume. The demand for title insurance fluctuates with the housing market and the broader economy. The industry is mature and competitive.
Positioning
FNF is a dominant player in the title insurance industry, benefiting from its size, brand recognition, and extensive network of agents. Their competitive advantages include a well-established infrastructure and deep industry expertise.
Total Addressable Market (TAM)
The total addressable market for title insurance and real estate transaction services is estimated to be in the tens of billions of dollars annually. FNF's positioning is strong due to its market leading share and technological edge.
Upturn SWOT Analysis
Strengths
- Leading market share in title insurance
- Strong brand recognition
- Extensive network of agents
- Technological innovation in transaction services
Weaknesses
- Sensitivity to interest rate fluctuations
- Dependence on the health of the housing market
- Exposure to claims and litigation
- Highly regulated industry
Opportunities
- Expansion into new geographic markets
- Development of new technology-based solutions
- Acquisition of complementary businesses
- Increased demand for digital real estate services
Threats
- Economic downturn and housing market slowdown
- Increased competition from existing players
- Regulatory changes impacting the title insurance industry
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- First American Financial Corp (FAF)
- Stewart Information Services Corp (STC)
Competitive Landscape
FNF benefits from its scale and diversified service offerings. However, it faces competition from other large players with similar resources and expertise. Differentiation through technology and customer service is crucial.
Major Acquisitions
TitlePoint
- Year: 2016
- Acquisition Price (USD millions): 400
- Strategic Rationale: Enhanced data capabilities and technological infrastructure for title operations.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends need to be analyzed based on past financial performance and market data.
Future Projections: Future growth projections depend on analyst estimates. These projections need to be collected from reliable sources.
Recent Initiatives: Recent strategic initiatives such as acquisitions, product launches, and partnerships need to be highlighted.
Summary
Fidelity National Financial is a dominant player in the title insurance industry, characterized by its strong market position and brand recognition. Its dependence on the housing market exposes it to cyclical fluctuations. Strategic acquisitions and technological investments bolster its growth prospects. Vigilance against regulatory changes and competition is essential.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Industry reports
- Analyst research
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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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