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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1485
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$15.7B
Michael J. Nolan
Fidelity National Financial, Inc. 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 insurance.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = FNF ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$FNF Fidelity National Financial, Inc. | 53 | 79 | 88 | 22 | 13.7x | 8.9x | 11.1% | 1.0% | 78.0% | 8.6% | 7.1% | 27.6% | 3.5% | 47.0x | $15.7B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Fidelity National Financial, Inc. (FNF) receives a "Hold" rating with a composite score of 53.3/100. It ranks #1485 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Headcount
28.3K
HQ Base
Jacksonville, Florida
Lagging peers — losers tend to keep underperforming
Trading at a discount to fundamentals — favorable entry valuation
High profitability & efficiency — strong quality floor supports entry
Low volatility — smoother ride and historically better risk-adjusted returns
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for FNF.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 79 | 95 | -16DRAG |
| MOMENTUM | 22 | 13 | +9ALPHA |
| VALUATION | 88 | 98 | -10DRAG |
| INVESTMENT | 28 | 33 | -5NEUTRAL |
| STABILITY | 61 | 68 | -7DRAG |
| SHORT INT | 50 | 57 | -7DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 38.6% vs WACC 7.7% (spread +30.9%)
GM 78% vs sector 78%, OM 9% vs sector 18%
Capital turnover 4.46x
Rev growth 28%, 9yr history
Interest coverage 7.5x, Net debt/EBITDA 1.3x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Fidelity National Financial, Inc. (FNF) as a Hold with a composite score of 53.3/100 at a current price of $51.95. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
Fidelity National Financial, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 53.3/100 places it at rank #1485 in our full universe.
Narrow
Low
Standard
Undervalued
Gross margins of 78% signal strong pricing power.
Value factor score of 88 suggests attractive pricing.
Stable competitive position in a defensive sector.
Weak momentum suggests persistent institutional selling pressure.
Vulnerability to macroeconomic shocks and interest rate volatility.
Fidelity National Financial, Inc. represents a hold based on multi-factor quantitative performance.
Our model assigns Fidelity National Financial, Inc. a Hold rating, with a composite score of 53.3/100 and 3 out of 5 stars. Ranked #1485 of 7,333 stocks, FNF presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
FNF earns a quality score of 79/100, indicating above-average business quality. The company reports a return on equity of 11.1% (sector avg: 9.0%), gross margins of 78.0% (sector avg: 77.7%), net margins of 7.1% (sector avg: 21.9%). Companies in this tier generally demonstrate consistent profitability and efficient capital deployment, though they may face some competitive pressure.
FNF carries a solid value score of 88/100, pointing to an attractively priced stock relative to peers. Key valuation metrics include a P/E ratio of 13.65x, an EV/EBITDA of 8.95x, a P/B ratio of 1.52x. This score suggests reasonable compensation for the risks involved, with potential upside if the market recognizes the stock's underlying worth.
Fidelity National Financial, Inc.'s investment score of 28/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 27.6% vs. a sector average of 10.7% and a return on assets of 1.0% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
Fidelity National Financial, Inc. is experiencing notably weak momentum with a score of just 22/100. The stock has underperformed its peers and is trending below major moving averages. Revenue growth stands at 27.6% year-over-year, while a beta of 0.59 reflects its sensitivity to broader market moves. While deep momentum weakness can occasionally present value opportunities, it often reflects deteriorating fundamentals or structural headwinds that may persist.
With a stability score of 61/100, FNF exhibits average financial resilience. Key stability metrics include a beta of 0.59 and a debt-to-equity ratio of 47.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 50/100 for FNF suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 47.00x). With a $15.7B market cap (large-cap), Fidelity National Financial, Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
FNF pays a solid dividend yield of 3.5%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
Fidelity National Financial, Inc. is a large-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1485 of 7,333 overall (80th percentile). Key comparisons include ROE of 11.1% exceeding the 9.0% sector median and operating margins of 8.6% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While FNF currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Value (88) vs Momentum (22) — closing this gap could shift the rating.
EV/EBITDA 15% ABOVE SECTOR MEDIAN
ROE 23% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin IN LINE WITH SECTOR BENCHMARKS
Above 50MA
37.18%
Net New Highs
+51081
The S&P 500 was on track for double-digit earnings growth, with more than half of companies having reported Q4 results so far.
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FIS posts Q4 EPS miss as rising costs weigh, but revenues top estimates and 2026 outlook signals strong growth ahead.
The S&P 500 was on track for double-digit earnings growth, with more than half of companies having reported Q4 results so far.
Fidelity National Financial (NYSE:FNF) executives said fourth-quarter results capped what CEO Mike Nolan called “an excellent year” for both the company’s Title and F&G businesses, highlighting strong direct commercial performance, disciplined expense management, and continued investment in technolo