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Upturn AI SWOT - About
FNF 
Fidelity National Financial Inc (FNF)
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Upturn Advisory Summary
09/15/2025: 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 20.39% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 16.45B USD | Price to earnings Ratio 15.4 | 1Y Target Price 70.25 |
Price to earnings Ratio 15.4 | 1Y Target Price 70.25 | ||
Volume (30-day avg) 4 | Beta 1.09 | 52 Weeks Range 50.61 - 66.12 | Updated Date 09/15/2025 |
52 Weeks Range 50.61 - 66.12 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 3.26% | 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 15.4 | Forward PE 12.82 | Enterprise Value 18340366314 | Price to Sales(TTM) 1.21 |
Enterprise Value 18340366314 | Price to Sales(TTM) 1.21 | ||
Enterprise Value to Revenue 1.38 | Enterprise Value to EBITDA - | Shares Outstanding 271723008 | Shares Floating 256843029 |
Shares Outstanding 271723008 | Shares Floating 256843029 | ||
Percent Insiders 5.6 | Percent Institutions 82.18 |
Upturn AI SWOT
Fidelity National Financial Inc
Company Overview
History and Background
Fidelity National Financial, Inc. (FNF) was founded in 1847 as the State Savings and Loan Association, later becoming Fidelity National Title. It grew through acquisitions and diversification into related real estate services and technology. A key milestone was the spin-off of its technology arm into Black Knight Financial Services (now ICE Mortgage Technology).
Core Business Areas
- Title Insurance: FNF is the largest title insurance company in the United States, providing title insurance policies and related services to real estate owners, lenders, and developers. Its title insurance underwriters include Fidelity National Title Insurance Company, Chicago Title Insurance Company, Commonwealth Land Title Insurance Company, and Alamo Title Insurance.
- Real Estate Services: FNF offers a suite of real estate-related services, including mortgage transaction services, default services, and other specialized offerings. This includes services related to title search and examination, escrow, and closing.
- Cannae Holdings: Fidelity National Financial holds a significant stake in Cannae Holdings, which is involved in restaurant, healthcare, technology and other sectors.
Leadership and Structure
Michael Nolan is the Chief Executive Officer. The organizational structure is based on a business segment model, with leadership teams for title insurance operations and other real estate services. The Board of Directors oversees corporate governance.
Top Products and Market Share
Key Offerings
- Title Insurance Policies: FNF's core product, providing protection against losses due to defects in title. Market share is approximately 25% (see Market Share Comparison below). Competitors include First American Financial (FAF), Old Republic International (ORI), and Stewart Information Services (STC). Revenue from Title Insurance is approximately $9B.
- Escrow and Closing Services: Facilitating the closing process for real estate transactions. The escrow portion of the title insurance market is largely consolidated, and market share is similar to the title insurance market share of approximately 25% (see Market Share Comparison below). Competitors include First American Financial (FAF), Old Republic International (ORI), and Stewart Information Services (STC).
Market Dynamics
Industry Overview
The title insurance industry is influenced by housing market conditions, interest rates, and regulatory changes. Demand fluctuates with real estate transaction volume. The industry is relatively consolidated with the top 4 companies having over 85% of market share.
Positioning
FNF is the market leader in the title insurance industry, with a strong brand reputation, extensive agent network, and technological capabilities. Competitive advantages include scale, efficient operations, and a broad range of services.
Total Addressable Market (TAM)
The total addressable market for title insurance is dependent on real estate transaction volume and prices. Estimates of annual revenue are in the range of $20-25 billion. FNF is well-positioned to capture a significant share of this market through its leading position and scale.
Upturn SWOT Analysis
Strengths
- Market leadership position
- Strong brand recognition
- Extensive agent network
- Efficient operations
- Diversified revenue streams (Cannae)
- Strong financial performance
Weaknesses
- Sensitivity to housing market cycles
- Dependence on real estate transactions
- Exposure to regulatory risks
- Reliance on technology for efficiency, requiring constant investment.
Opportunities
- Expansion into new geographic markets
- Growth through acquisitions
- Development of new real estate-related services
- Increased adoption of digital title and closing technologies
- Capitalizing on growth sectors through Cannae Holdings
Threats
- Economic downturns and housing market slowdowns
- Increased competition from existing players and new entrants
- Regulatory changes impacting title insurance practices
- Technological disruptions (e.g., blockchain)
- Rising interest rates impacting real estate affordability
Competitors and Market Share
Key Competitors
- FAF
- ORI
- STC
Competitive Landscape
FNF's advantages include its market leadership, scale, and brand recognition. Disadvantages include sensitivity to market cycles and reliance on real estate transactions. FNF and its competitors constantly compete for the top spot.
Major Acquisitions
TitleWave
- Year: 2019
- Acquisition Price (USD millions): 210
- Strategic Rationale: Expanded technology capabilities and market reach in title search automation.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by acquisitions and organic expansion. Past performance is closely tied to the performance of the housing market.
Future Projections: Analyst estimates project moderate growth in the long term, based on expectations for a stable housing market. Diversification through Cannae Holdings provides additional growth opportunities.
Recent Initiatives: FNF has invested in technology to improve efficiency and customer service. Strategic acquisitions have expanded its market presence.
Summary
Fidelity National Financial is a leading title insurance company with a strong market position and diversified revenue streams. The company's financial performance is closely tied to the housing market, making it vulnerable to economic cycles. However, its investments in technology and strategic acquisitions provide opportunities for future growth. Diversification via Cannae Holdings is a strength, but the company needs to carefully monitor threats from competition and regulation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Presentations
- Industry Reports (e.g., ALTA)
- Analyst Reports (e.g., Yahoo Finance, MarketWatch)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates 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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