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FNF 
Fidelity National Financial Inc (FNF)
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Upturn Advisory Summary
12/09/2025: 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 $69.8
1 Year Target Price $69.8
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 9.92% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 15.43B USD | Price to earnings Ratio 13.3 | 1Y Target Price 69.8 |
Price to earnings Ratio 13.3 | 1Y Target Price 69.8 | ||
Volume (30-day avg) 4 | Beta 1.05 | 52 Weeks Range 50.19 - 65.57 | Updated Date 12/8/2025 |
52 Weeks Range 50.19 - 65.57 | Updated Date 12/8/2025 | ||
Dividends yield (FY) 3.44% | Basic EPS (TTM) 4.27 |
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 8.31% | Operating Margin (TTM) 13.8% |
Management Effectiveness
Return on Assets (TTM) 1.16% | Return on Equity (TTM) 13.96% |
Valuation
Trailing PE 13.3 | Forward PE 12.82 | Enterprise Value 16943338729 | Price to Sales(TTM) 1.1 |
Enterprise Value 16943338729 | Price to Sales(TTM) 1.1 | ||
Enterprise Value to Revenue 1.26 | Enterprise Value to EBITDA - | Shares Outstanding 271122556 | Shares Floating 256086099 |
Shares Outstanding 271122556 | Shares Floating 256086099 | ||
Percent Insiders 5.67 | Percent Institutions 82.96 |
Upturn AI SWOT
Fidelity National Financial Inc
Company Overview
History and Background
Fidelity National Financial Inc. (FNF) was founded in 1984. It has grown through a series of strategic acquisitions and organic growth to become a leading provider of title insurance and transaction services to the real estate and mortgage industries. The company has evolved from a regional title insurer to a diversified financial services company with significant operations in title insurance, specialty insurance, and transaction services.
Core Business Areas
- Title Insurance and Transaction Services: FNF is the largest provider of title insurance and transaction services in the United States. This segment provides title insurance, closing, escrow, and other related services for residential and commercial real estate transactions.
- Specialty Insurance: This segment offers a range of specialty insurance products, including mortgage default insurance, flood insurance, homeowners insurance, and other property and casualty insurance products. It also includes ancillary services for the mortgage industry.
- Black Knight: Fidelity National Information Services (FIS), a former subsidiary that has since been spun off and is now independent, was a major player in providing technology solutions for financial institutions. Fidelity National Financial Inc. itself has also been involved in financial technology through various investments and acquisitions.
Leadership and Structure
Fidelity National Financial Inc. is a publicly traded company with a board of directors overseeing its strategic direction. The executive leadership team is responsible for day-to-day operations. The company operates through various subsidiaries, each focusing on specific service areas within the financial services and insurance sectors.
Top Products and Market Share
Key Offerings
- Title Insurance: FNF's title insurance policies protect lenders and homebuyers from financial loss due to defects in title, liens, or encumbrances on a property. FNF holds a significant market share in the US title insurance market, often estimated to be over 25-30%. Major competitors include Old Republic International (ORI), First American Financial Corporation (FAF), and WFG National Title Insurance Company.
- Escrow and Closing Services: These services facilitate the completion of real estate transactions, ensuring all parties fulfill their obligations and that funds are disbursed correctly. This is a core component of FNF's title insurance offerings and is deeply integrated with it.
- Mortgage Default Insurance: Provided through its specialty insurance segment, this insurance protects lenders against losses on loans that go into default. Competitors include companies offering similar loan-level insurance products.
- Homeowners and Property & Casualty Insurance: FNF offers various insurance policies for homeowners and other property-related risks, often bundled with other real estate services. Competitors are broad, ranging from national carriers to regional insurers.
Market Dynamics
Industry Overview
The real estate transaction and title insurance industry is highly dependent on the health of the housing market and mortgage origination volumes. It is characterized by intense competition, regulatory oversight, and a need for efficient technology to manage complex transactions. The mortgage servicing and technology sector is also driven by digital transformation and the demand for integrated solutions.
Positioning
Fidelity National Financial Inc. is a market leader in title insurance and transaction services in the US, leveraging its scale, established relationships, and technological capabilities. Its diversified portfolio across title, specialty insurance, and historical involvement in fintech provides some resilience. Its competitive advantages include its strong brand recognition, extensive network of agents and offices, and its ability to handle large and complex transactions.
Total Addressable Market (TAM)
The TAM for title insurance and related real estate transaction services is substantial, driven by annual real estate sales and mortgage origination volumes. While precise TAM figures fluctuate with market conditions, it is in the tens of billions of dollars annually in the US alone. FNF is a dominant player within this TAM, consistently holding a leading market share.
Upturn SWOT Analysis
Strengths
- Largest market share in US title insurance
- Diversified business segments (title, specialty insurance, past fintech involvement)
- Strong brand recognition and established relationships
- Extensive network of agents and offices
- Experienced management team
- Ability to handle large and complex transactions
Weaknesses
- Dependence on real estate and mortgage market cycles
- Potential for regulatory changes impacting operations
- Integration challenges with acquisitions
- Competition from independent agents and other large players
Opportunities
- Growth in refinancing and purchase mortgage markets
- Expansion of ancillary services
- Technological advancements to improve efficiency and customer experience
- Potential for international expansion
- Increased demand for specialized insurance products
Threats
- Downturns in the housing market
- Rising interest rates impacting mortgage volumes
- Increased competition and price pressure
- Cybersecurity threats
- Changes in real estate transaction processes and regulations
Competitors and Market Share
Key Competitors
- First American Financial Corporation (FAF)
- Old Republic International Corporation (ORI)
- WFG National Title Insurance Company
Competitive Landscape
FNF's advantages lie in its scale, established infrastructure, and broad service offering. Competitors like FAF and ORI also have strong market positions. WFG represents a significant competitor that has grown rapidly. The landscape is competitive, with differentiation often coming from technology, service quality, and pricing.
Major Acquisitions
Title Source, Inc. (d.b.a. AmTrust Title)
- Year: 2016
- Acquisition Price (USD millions):
- Strategic Rationale: Acquisition to expand title insurance operations and product offerings.
TitleVest
- Year: 2013
- Acquisition Price (USD millions):
- Strategic Rationale: Acquisition to strengthen its New York market presence and expand its title insurance and closing services.
Growth Trajectory and Initiatives
Historical Growth: FNF has demonstrated consistent revenue growth over the years, driven by strategic acquisitions and organic expansion in its core title insurance and transaction services businesses. It has also managed to diversify into specialty insurance. The spin-off of Black Knight marked a significant structural change.
Future Projections: Future growth projections for FNF are generally tied to the outlook of the US housing market and mortgage origination volumes. Analysts typically project modest to moderate revenue and earnings growth, with potential upside from market share gains and expansion into new service areas.
Recent Initiatives: Recent initiatives likely focus on enhancing technological capabilities to streamline real estate transactions, expanding service offerings, and optimizing operational efficiency. Strategic acquisitions, though potentially less frequent than in prior years, remain a possibility.
Summary
Fidelity National Financial Inc. is a dominant force in the US title insurance and real estate transaction services market, benefiting from its scale and established network. Its diversified business model provides some resilience, but it remains highly sensitive to real estate market cycles. The company must continue to innovate technologically and manage operational efficiencies to maintain its leadership position against strong competitors and evolving industry trends.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Fidelity National Financial Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Industry Analyst Reports
- Financial News Outlets
Disclaimers:
This information is for informational purposes only and does not constitute financial advice. Market share data and acquisition prices are estimates and may vary. Financial performance and projections are subject to change based on market conditions and company performance. Users should conduct their own due diligence before making investment decisions.
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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