Fidelity National Financial Inc (FNF) Fair Value & Analysis
Financial Services · US · Market cap $13.3B · ISIN US31620R3030
What is Fidelity National Financial Inc really worth?
Fidelity National Financial Inc
FNF · US
A solid business, but trading 63% above our fair value of $29.08.
Strengths
Risks
For context
Fair value as of: Sep 2, 2026
From 6 valuation models · updated 2 days ago
Share price −8.2% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case ($36.34). The favourable scenario is already priced in.
- Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 2, 2026.
How to read this chart
60‑month range $28.38 – $61.01 · fair‑value band $21.81 – $36.34 · the $47.28 price screens above the $29.08 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 2, 2026.
Analysis
Fidelity National Financial Inc (FNF) currently trades at $47.28, while our model-based Fair Value estimate is $29.08, implying the stock looks roughly 62.6% overvalued today. The Quality Score stands at 55/100 (solid quality), in the Financial Services sector. Bull case: the Dividend Discount group reads highest at a median of $31.62 per share, and 0 of the 6 models we run sit above the $47.28 price. Bear case: the Asset-Based group reads lowest at $18.48, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Fidelity National Financial Inc generated revenue of $15.0B at a net margin of 5.1%. Revenue grew 16.7% year over year. It earns a return on equity of 10.5%. Net debt stands at $2.4B. Fundamentals as of Sep 2, 2026
Our scenario range runs from $21.81 (bear case) to $36.34 (bull case); at $47.28, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 18% below its 52-week high and 11% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 27% fair-value upside, at −38%, FNF screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $0.5211 per share, which is 1.8 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Dividend Discount ($31.62) versus Asset-Based ($18.48). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 43
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Fidelity National Financial, Inc., together with its subsidiaries, provides various insurance products in the United States. It operates through Title, F&G, and Corporate and Other segments.
Full company description
Fidelity National Financial, Inc., together with its subsidiaries, 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. It 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, the company 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, it engages in the real estate brokerage business. Fidelity National Financial, Inc. was incorporated in 2005 and is headquartered in Jacksonville, Florida.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Fidelity National Financial Inc reported revenue of $14.5B in FY2025 versus $15.1B in FY2021, a compound −0.9%/yr. Reported net income was $602M in FY2025, compounding −31.9%/yr from FY2021.
of which total revenue +6.7 % · buybacks/dilution +1.9 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
FNF screens 63% overvalued. Compare with AXIS Capital Holdings →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Vanguard Takes On Fidelity, Charles Schwab With $4 Billion Altruist Deal
- 5 Must-Read Analyst Questions From Fidelity National Financial’s Q2 Earnings Call
Peer Group
Insurance - Specialty · 29 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Specialty median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate (as of Sep 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| AXIS Capital Holdings AXS | $99.80 | $139.49 | +40% |
| First American Financial Corporation FAF | $73.59 | $64.26 | −13% |
| Enact Holdings ACT | $49.07 | $58.14 | +18% |
| MGIC Investment Corporation MTG | $31.29 | $39.71 | +27% |
| Essent Group ESNT | $69.27 | $91.14 | +32% |
| Radian Group RDN | $35.80 | $53.56 | +50% |
| Protector Forsikring ASA PROT | kr 480.40 | kr 273.28 | −43% |
| Assured Guaranty Ltd AGO | $74.46 | $148.92 | +100% |
| NMI Holdings NMIH | $44.80 | $56.53 | +26% |
| nib holdings limited, NHF | A$7.40 | A$3.56 | −52% |
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