Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
FNF 
Fidelity National Financial Inc (FNF)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/14/2025: 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 $70.75
1 Year Target Price $70.75
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.68% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 14.50B USD | Price to earnings Ratio 13.1 | 1Y Target Price 70.75 |
Price to earnings Ratio 13.1 | 1Y Target Price 70.75 | ||
Volume (30-day avg) 4 | Beta 1.07 | 52 Weeks Range 49.85 - 66.12 | Updated Date 07/14/2025 |
52 Weeks Range 49.85 - 66.12 | Updated Date 07/14/2025 | ||
Dividends yield (FY) 3.57% | Basic EPS (TTM) 4.03 |
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 8.39% | Operating Margin (TTM) 10.18% |
Management Effectiveness
Return on Assets (TTM) 1.26% | Return on Equity (TTM) 14.49% |
Valuation
Trailing PE 13.1 | Forward PE 12.82 | Enterprise Value 14941981334 | Price to Sales(TTM) 1.1 |
Enterprise Value 14941981334 | Price to Sales(TTM) 1.1 | ||
Enterprise Value to Revenue 1.17 | Enterprise Value to EBITDA - | Shares Outstanding 274640000 | Shares Floating 259921851 |
Shares Outstanding 274640000 | Shares Floating 259921851 | ||
Percent Insiders 5.54 | Percent Institutions 80.89 |
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, through strategic acquisitions and organic growth, FNF evolved into a leading provider of title insurance and transaction services to the real estate and mortgage industries.
Core Business Areas
- Title Insurance: Underwrites and provides title insurance policies protecting real estate owners and lenders against losses related to title defects, liens, or other encumbrances.
- Transaction Services: Offers a range of transaction-related services, including escrow, closing, and default management services.
- Other Real Estate Solutions: Provides technology and services to the real estate industry.
Leadership and Structure
FNF's leadership team typically consists of a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and other key executives responsible for overseeing the company's operations and strategic direction. The organizational structure is typically hierarchical, with various departments and divisions reporting to senior management.
Top Products and Market Share
Key Offerings
- Title Insurance Policies: Provides title insurance for residential and commercial properties. Market share is substantial in the US. Competitors include First American Financial (FAF) and Old Republic International (ORI).
- Closing and Escrow Services: Facilitates real estate transactions through escrow and closing services. Market share aligns with its title insurance business. Competitors include Stewart Information Services (STC) and independent escrow companies.
Market Dynamics
Industry Overview
The title insurance industry is influenced by factors such as interest rates, housing market conditions, and regulatory changes. The industry is subject to economic cycles and fluctuations in real estate activity.
Positioning
FNF is a leading player in the title insurance industry, with a significant market share and a reputation for financial stability and customer service. They benefit from economies of scale and a large network of agents.
Total Addressable Market (TAM)
The TAM for title insurance and real estate transaction services is estimated to be in the tens of billions of dollars annually, driven by real estate sales and refinancing activity. FNF holds a significant share of this market.
Upturn SWOT Analysis
Strengths
- Large market share
- Strong brand recognition
- Extensive network of agents
- Financial stability
- Economies of scale
Weaknesses
- Dependence on housing market cycles
- Exposure to regulatory changes
- Potential for title claims
- High fixed costs
- Sensitivity to interest rate fluctuations
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Acquisition of smaller competitors
- Technological innovation
- Increased demand for title insurance in emerging markets
Threats
- Economic downturns
- Rising interest rates
- Increased competition
- Regulatory scrutiny
- Title fraud and cyber threats
Competitors and Market Share
Key Competitors
- FAF
- ORI
- STC
Competitive Landscape
FNF benefits from its large scale and established brand. However, it faces competition from other major title insurers and smaller regional players. Competition is intense, with companies vying for market share through pricing strategies and customer service.
Major Acquisitions
JPMorgan Chase Vendor Services
- Year: 2014
- Acquisition Price (USD millions): 625
- Strategic Rationale: To expand its default services business.
Growth Trajectory and Initiatives
Historical Growth: FNF's historical growth has been driven by organic growth, acquisitions, and favorable market conditions in the real estate sector.
Future Projections: Future projections depend on housing market forecasts, interest rate trends, and regulatory developments. Analyst estimates typically project moderate revenue growth and stable profit margins.
Recent Initiatives: Recent initiatives are not provided due to a lack of specific real-time updated values. They are subject to change with each financial quarter.
Summary
Fidelity National Financial is a leading title insurance provider that boasts significant market share and a strong brand reputation. Its success hinges on the stability of the housing market, making it susceptible to economic downturns and interest rate fluctuations. However, FNF's strategic acquisitions and focus on innovation position it for continued growth, while regulatory scrutiny and cyber threats remain ongoing challenges. Overall, FNF is a financially sound organization with a strong foothold in its market and an eye on the future growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Market Analysis
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Actual results may vary.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.