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Upturn AI Summary - About
Fidelity National Financial Inc(FNF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FNF
11/10/2026: FNF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Fidelity National Financial Inc is a dominant provider of title insurance and escrow services, operating within the cyclical U.S. real estate market. The company possesses strong operational margins and a reputation for stability, making it a reliable player in the insurance sector. Its primary investment story centers on its ability to generate significant cash flow and maintain market leadership, though it remains highly sensitive to mortgage interest rates and housing transaction volumes. Risks include potential regulatory changes and competitive pressure from new digital-first platforms. As a dividend-paying stock, it may suit value-focused investors, though monitoring interest rate trends and housing market health remains essential.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely cyclical and tied to the housing market rather than structural tech-driven expansion. |
| Momentum investor | Weak fit | Momentum is often dictated by interest rate trends and housing starts rather than internal company catalysts. |
| Value investor | Strong fit | FNF often trades at valuation multiples that can be attractive to value-oriented investors during housing downcycles. |
| Dividend investor | Strong fit | The company has a consistent history of returning cash to shareholders through regular dividends. |
| Low-risk investor | Mixed fit | While established, the stock is subject to significant volatility based on housing market cycles and mortgage rate environments. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is highly sensitive to interest rate changes and housing market outlooks. |
| Valuation risk | Medium | Valuations are cyclical, and investors may overpay at the peak of a housing boom. |
| Competition risk (Title Insurance) | Medium | The sector is concentrated, and any loss of market share to rivals like FAF directly impacts revenue. |
| Business quality | Strong | FNF has a long-standing reputation and a dominant scale within its specific niche. |
| Dividend income | Medium / high | Dividends are generally reliable but can be affected by severe financial downturns impacting insurance profits. |
| Execution risk | Medium | Managing complex title claims and regulatory compliance requires high operational precision. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -27.25% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/10/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 12.08B USD | Price to earnings Ratio 11.52 | 1Y Target Price 53.67 |
Price to earnings Ratio 11.52 | 1Y Target Price 53.67 | ||
Volume (30-day avg) 2.8M shares | Beta 0.98 | 52 Weeks Range 37.88 - 56.47 | Updated Date 11/10/2026 |
52 Weeks Range 37.88 - 56.47 | Updated Date 11/10/2026 | ||
Dividends yield (FY) 4.74% | Basic EPS (TTM) 3.91 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Title Insurance | Premiums for policies insuring land titles and escrow fees for closing transactions. | This is the core engine; money is made every time a home or commercial building is bought, sold, or refinanced. |
| Investment Portfolio | Returns from investing the 'float' (premiums held before claims are paid). | The company acts like an insurer, earning interest on the money it collects from customers before it has to pay out claims. |
| Geography: United States | National operations with heavy concentration in major real estate markets. | The business is almost entirely dependent on the health of the U.S. residential and commercial real estate markets. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-05 | When After Market | Estimate 1.32 | Actual 1.32 |
Profitability
Profit Margin 7.02% | Operating Margin (TTM) 31.89% |
Management Effectiveness
Return on Assets (TTM) 1.54% | Return on Equity (TTM) 15.1% |
Valuation
Trailing PE 11.52 | Forward PE 12.82 | Enterprise Value 14.28B | Price to Sales(TTM) 0.81 |
Enterprise Value 14.28B | Price to Sales(TTM) 0.81 | ||
Enterprise Value to Revenue 0.91 | Enterprise Value to EBITDA - | Shares Outstanding 268.19M | Shares Floating 253.38M |
Shares Outstanding 268.19M | Shares Floating 253.38M | ||
Percent Insiders 5.74 | Percent Institutions 84.67 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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