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STOCK COMPARISON

Medibank Private vs Fidelity National Financial: Fair Value & Quality

Both stocks run through our valuation models. Here is how Medibank Private (MPL) and Fidelity National Financial (FNF) compare, as of Aug 14, 2026.

As of Aug 14, 2026, Fair Value Calculator sees Fidelity National Financial as the less overvalued of the two: Medibank Private trades at A$5.07 versus a fair value of A$1.65 (-67%), while Fidelity National Financial trades at $48.97 versus $29.08 (-41%).
Medibank Private
MPL.AU · AUD · Financials
-67%
upside to fair value
overvalued
PriceA$5.07
Fair ValueA$1.65
Quality71/100
Fidelity National Financial
FNF · USD · Financials
-41%
upside to fair value
overvalued
Price$48.97
Fair Value$29.08
Quality52/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Medibank PrivateFidelity National Financial
Valuation
29.8×P/E (TTM)17.6×
1.13×P/S (TTM)0.89×
4.23×P/B1.80×
12.8×EV/EBITDA6.4×
PEG0.85×
3.7%Dividend yield4.2%
A$0.19Dividend per share$2.04
Profitability
5%Net margin5%
10%Operating margin19%
20%Return on equity10%
10%Return on assets1%
Growth
5%Revenue growth (YoY)17%
6.5%Avg. growth/yr (3Y)8.2%
4.6%Avg. growth/yr (5Y)6.3%
Balance & size
Debt / equity0.59×
$10BMarket cap$13B
healthyGrowth qualityhealthy

Fidelity National Financial leads: 3 to 9 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Medibank Privateof which business quality 69 · market factors 68 Fidelity National Financialof which business quality 51 · market factors 43
ProfitabilityMargins and returns on capital today
75
22
Quality GrowthAre margins and returns improving?
56
51
CashflowEarnings quality: real cash, not paper profit
44
100
Fin. StrengthBalance sheet, leverage, solvency risk
79
7
InvestmentDisciplined investing over empire-building
88
50
Low VolatilityCalm price path (market factor)
95
67
MomentumPrice trend over the last 3–12 months (market factor)
52
34
52W MomentumDistance to the 52-week high (market factor)
66
33
Net IssuanceBuybacks instead of dilution
82
87

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Medibank Private

MultiplesA$1.78
Asset-BasedA$0.57
Economic ProfitA$1.58

4 of 4 models see the stock below the current price.

Fidelity National Financial

Dividend Discount$35.18
Multiples$33.55
Asset-Based$18.48
Economic Profit$25.07

6 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Medibank Private
Bear A$1.24Fair Value A$1.65Bull A$2.06
A$5.07 = current price (white tick)
Fidelity National Financial
Bear $21.81Fair Value $29.08Bull $36.34
$48.97 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Medibank Private · Financials

Quality score71 · Top 25%
Fair value upside-67% · bottom 25%

Fidelity National Financial · Financials

Quality score52 · below median
Fair value upside-41% · bottom 25%

Bottom line

As of Aug 14, 2026, Fair Value Calculator sees Fidelity National Financial as the less overvalued of the two: Medibank Private trades at A$5.07 versus a fair value of A$1.65 (-67%), while Fidelity National Financial trades at $48.97 versus $29.08 (-41%).

Medibank Private has the higher quality score (71/100).

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.