Fidelity National Financial, In (FNF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Fidelity National Financial, In

NYSE•Financial Services•Insurance - Specialty

$42.40-0.67(-0.02%)Market open

Market Cap

$11.35B

P/E

14.7x

P/S

0.7x

P/B

1.5x

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.

How this company scores

AverageMetricSide Score: 59/100

Strongest: Balance Sheet & Red Flags (16/25); weakest: Profitability (12/25).

Profitability12/25

Growth15/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality16/25

Strengths

Cash-backed earningsConsistent free cash flowConsistent growthNo share dilution

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.7x5y range 6.2x – 30.6x

Currently near its 20-quarter median.

P/S · 0.7x5y range 0.7x – 1.5x

Currently below its 20-quarter median.

P/B · 1.5x5y range 1.5x – 2.8x

Price & Volume

Market Cap $11.35B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $15.36B
Q. Revenue: $4.05B
TTM EBITDA: $2.62B
TTM Op. Income: $1.74B
Q. Op. Income: $338.00M
TTM Net Income: $772.00M
Q. Net Income: $288.00M
EPS: $1.08
Shares Out.: $267.00M

$15.36B in TTM revenue grew 13.0% YoY, reaching $4.05B last quarter. TTM EBITDA of $2.62B and TTM operating income of $1.74B show growth is flowing through to the bottom line. TTM net income of $772.00M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 13.7%
Op. Margin: 8.3%
Net Margin: 7.1%

Op. margin of 8.3% is down 2.2% YoY — costs are rising relative to revenue. Net margin at 7.1% Over the past year, operating margin is down 21% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.7x
P/S Ratio: 0.7x
P/B Ratio: 1.5x

At 14.7x P/E, the stock trades below typical market levels. P/S of 0.7x and P/B of 1.5x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $114.53B
Cash: $3.58B
Long-Term Debt: $4.38B
Book Value: $7.45B
D/E Ratio: 0.6
Debt/EBITDA: 7.9

With $114.53B in assets and $4.38B in long-term debt, D/E is 0.6and book value is $7.45B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 6% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.87B
TTM Free Cash Flow: $5.43B
FCF Margin: 35.3%
FCF / Net Income: 7.0

TTM FCF of $5.43B on $1.87B in operating cash flow. The FCF / Net Income ratio of 7.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.