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FNF

Fidelity National Financial
$40.50
+1.91% Oct 20 close
FinancialsS&P 400 Compare
-25%-15%-4%+7%+17%Oct 2025Oct 2026Apr 2026
FNFSPY
1W
+3.2%
1M
-4.7%
3M
-19.3%
6M
-18.2%
YTD
-23.3%
1Y
-21.8%

Live chart

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What they do

Fidelity National Financial, Inc. provides various insurance products in the United States. It operates through Title, F&G, and Corporate and Other segments. The company offers title insurance, escrow, and other title related services, including trust activities, trustee sales guarantees, recordings and reconveyances, and home warranty products.

Financial Services · Insurance - Specialty

For information only · Important disclosures

Grades vs sector

Momentum
7th percentile in sector
F
12-1 return: -24.2%
Percentile within its GICS sector across the S&P 1500.
Growth
48th percentile in sector
C+
Revenue growth (YoY): +10.5%
Percentile within its GICS sector across the S&P 1500.
Value
89th percentile in sector
A
Forward E/P: 13.6% · EBITDA/EV: 18.7%
Percentile within its GICS sector across the S&P 1500.
Profitability
22nd percentile in sector
D
Profit margin: +5.0% · Return on equity: +10.2%
Percentile within its GICS sector across the S&P 1500.
Revisions
Not enough data yet
–
EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Our models

Not held by any of our 5 live models right now.

Quality Growth
Outside this model's universe or screens
Momentum Top 15
Outside this model's universe or screens
Momentum Blend
Not in the current book
New Highs Growth
Outside this model's universe or screens
Coteau Long Book
Not in the current book

News

More news
No recent headlines.

Key stats

52-week range$38.65 – $55.70
Valuation and fundamentals

Valuation & fundamentals

Bottom line
Leans undervalued
Model read-out from the numbers below, not advice. Score +2 (DCF counts double).
▲DCF (base case)above the price by 893%
•Piotroski F-score5/9

Discounted cash flow

Bear
$253
+525%
growth 3% · disc. 10.2% · term. 2.0%
Base
$402
+893%
growth 8% · disc. 9.2% · term. 2.5%
Bull
$606
+1397%
growth 11% · disc. 8.2% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal
Not meaningful for property & casualty insurance: for banks, insurers and lenders, cash moving through loans and deposits swamps "free cash flow". Book value and earnings are better guides.
Edit assumptions · recalculates instantly
Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.00 (n/a) × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Financials

P/E (trailing)
sector median 13.0×
–
Forward P/E
sector median 10.2×
–
EV / EBITDA
sector median 10.9×
–
Price / sales
sector median 2.8×
–
Price / book
sector median 1.6×
–
FCF yield
sector median 8.2%
–

Quality & financial health

Gross margin
–
Operating margin
–
FCF margin
34.8%
Net margin
5.0%
Return on equity
10.4%
Return on invested capital
–
Net debt / EBITDA
–
Current ratio
–
Interest cover
–
Cash conversion (OCF/NI)
7.2×
Piotroski F-score 5/9 · last two fiscal years
✓ Positive net income✓ Positive operating cash flow✗ Return on assets improved✓ Cash flow above net income✓ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✗ Asset turnover improved

Analysts

No analyst targets available.

Annual history

FYRevenueNet incomeFree cash flow
2025$14.4B$602.0M$5.8B
2024$13.7B$1.3B$6.8B
2023$11.8B$517.0M$6.5B
2022$11.6B$1.3B$4.4B
2021$15.7B$2.8B$4.1B
2020$10.8B$1.4B$1.6B

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +7.7%.

Earnings

Next report: 2026-11-05 · during market · EPS est 1.32
24-1125-0225-0525-0825-1126-0226-0526-080.001.63
EstimateActual (beat)Actual (miss)
ReportEPS estActualSurprise
2026-08-051.321.39+5.4%
2026-05-061.090.93-14.7%
2026-02-191.501.41-5.8%
2025-11-061.421.63+14.5%
2025-08-061.411.16-17.6%
2025-05-071.110.78-29.9%
2025-02-201.211.34+10.7%
2024-11-061.421.30-8.7%
Insider trades
None
None · None
Sell
–
None
None · None
Sell
–

Stats refreshed 2026-10-21 18:13:47 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

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Independent research · Not investment advice · Important disclosures · Contact desk@coteau.app

Coteau Systematic Strategies publishes stock research and model portfolios. Results are hypothetical unless marked Live. Data: Yahoo Finance (15-min delayed), SEC EDGAR and the House Clerk.

Beta 0.9 · Oct 21, 2026