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UPDATED: Nov 17, 2025

Stock Analysis

FNF Logo
$58.26
-$0.33 |-0.56%
Day Range:
$57.89 - $58.64
Market Cap:
15.80B
P/E Ratio:
13.7213
Avg Value:
$58.66
Year Range:
$50.61 - $66.72
1
General Information
Fidelity National Financial Inc is a provider of (i) title insurance, escrow and other title-related services, including trust activities, trustee sales guarantees, recordings and reconveyances and home warranty and (ii) transaction services to the real estate and mortgage industries.

It operates in three segments: Title, F&G, Corporate and Other. The title segment that derives the majority of revenue consists of the operations of title insurance underwriters and related businesses, which provide title insurance and escrow and other title-related services including trust activities, trustee sales guarantees, and home warranty products. Substantially all of the company's revenue is generated in the United States.

2
Fidelity National Finl (FNF) Stock Graph
3
How We Grade Fidelity National Finl (FNF)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Fidelity National Finl (FNF) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

20.75

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

33.56

Value is a percentile-ranked composite metric that evaluates a stock's relative worth by comparing its market price to fundamental measures of the company's assets, earnings, sales, and operating performance.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

50.15

Quality is a composite ranking that evaluates a company's operational efficiency and financial health by analyzing historical profitability metrics and fundamental strength indicators on a percentile basis relative to peers.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Valuation

Earnings History (3 years)

It is important to look at a companies earnings history to see not only if they are profitable, but if their earnings are growing.
As you can see from the chart above, FNF's earnings have fluctuated but has increased since, this is a positive sign for the stock.
6
Dividend
There are few things we like to see when evaluating the quality of a company's dividend history and future

Ideally, we would like to see a company have a long history of consistently high dividend payouts that have grown at a consistent rate. From here we want to be confident that this sort of dividend growth and consistency will persist into the future.

The chart below shows the historical trend in Fidelity National Finl (FNF) dividend yield on an annual basis.

8.34%
Fidelity National Finl (FNF) saw a increase in it's dividend yield since 2021
7
Past Performance
How has Fidelity National Finl (FNF) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Fidelity National Finl (FNF) sharpe ratio over the past 5 years is 1.0763 which is considered to be below average compared to the peer average of 1.4827

8
Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is FNF's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Revenue
15.05
11.45
11.52
13.35
13.72
Operating Revenue
15.05
11.45
11.52
13.35
13.72
Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Gross Profit
0.00
0.00
0.00
0.00
0.00
Operating Expense
0.00
0.00
0.00
0.00
0.00
Selling General And Administration
3.53
3.19
2.91
3.15
3.37
Research and Development
0.00
0.00
0.00
0.00
0.00
Operating Income
0.00
0.00
0.00
0.00
0.00
Net Non-Operating Interest Income Expense
-0.11
-0.11
-0.17
-0.21
-0.24
Other Income Expense
0.00
0.00
0.00
0.00
0.00
Other Non-Operating Income Expenses
0.00
0.00
0.00
0.00
0.00
Pre-Tax Income
3.08
1.54
0.69
1.74
1.59
Tax Provision
0.71
0.40
0.19
0.37
0.36
Net Income
2.42
1.14
0.52
1.27
1.17
Net Income Common Stockholders
2.42
1.14
0.52
1.27
1.17
Total Operating Income As Reported
0.00
0.00
0.00
0.00
0.00
Total Expenses
11.97
9.91
10.83
11.61
12.13
Net Income From Continuing And Discontinued Operation
2.42
1.14
0.52
1.27
1.17
Normalized Income
2.41
1.14
0.52
1.27
1.17
Interest Income
1.49
1.83
2.38
2.84
2.93
Interest Expense
0.11
0.11
0.17
0.21
0.24
Net Interest Income
-0.11
-0.11
-0.17
-0.21
-0.24
EBIT
3.20
1.65
0.87
1.95
1.82
EBITDA
0.00
0.00
0.00
0.00
0.00
Reconciled Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Reconciled Depreciation
0.65
0.50
0.59
0.74
0.82
Normalized EBITDA
0.00
0.00
0.00
0.00
0.00
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.20
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
0.00
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Assets
60.69
65.59
80.61
95.37
106.64
Current Assets
0.00
0.00
0.00
0.00
0.00
Total Non-Current Assets
0.00
0.00
0.00
0.00
0.00
Total Liabilities Net Minority Interest
51.23
59.61
73.15
86.84
97.30
Current Liabilities
0.00
0.00
0.00
0.00
0.00
Other Non-Current Liabilities
0.00
0.00
0.00
0.00
0.00
Total Equity Gross Minority Interest
9.46
5.98
7.46
8.53
9.33
Stockholders Equity
0.00
0.00
0.00
0.00
0.00
Total Capitalization
12.51
8.86
10.79
12.07
12.76
Common Stock Equity
9.41
5.62
6.91
7.75
8.36
Net Tangible Assets
1.92
-3.47
-2.97
-3.91
-3.81
Working Capital
0.00
0.00
0.00
0.00
0.00
Invested Capital
12.51
8.86
10.79
12.07
12.75
Tangible Book Value
1.92
-3.47
-2.97
-3.91
-3.81
Total Debt
3.51
3.66
4.28
4.71
4.77
Net Debt
0.00
1.19
1.38
0.91
1.18
Share Issued
0.33
0.33
0.33
0.33
0.33
Ordinary Shares Number
0.28
0.27
0.27
0.28
0.27
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
4.09
4.36
6.48
6.82
5.82
Net Income from Continuing Operations
2.44
1.15
0.52
1.39
1.27
Depreciation and Amortization
0.65
0.50
0.59
0.74
0.82
Deferred Tax
Deferred Income Tax
Stock-Based Compensation
0.04
0.05
0.06
0.08
0.10
Other Non-Cash Items
-0.19
-0.22
-0.18
-0.33
-0.29
Change in Working Capital
1.89
2.73
5.12
5.32
4.63
Change in Receivables
-0.12
0.33
0.12
-0.06
-0.02
Changes in Account Receivables
-0.12
0.33
0.12
-0.06
-0.02
Change in Inventory
Change in Payables and Accrued Expense
Change in Payable
Change in Account Payable
Change in Other Current Assets
Change in Other Current Liabilities
Change in Other Working Capital
0.26
-0.77
0.33
-0.21
-0.61
Cash Flow from Continuing Investing Activities
-7.45
-10.52
-9.09
-7.86
-9.17
Net PPE Purchase and Sale
-0.13
-0.14
-0.13
-0.15
-0.14
Net Business Purchase and Sale
-1.85
-1.26
-1.59
-1.72
-1.91
Purchase of Business
-1.85
-1.26
-1.30
-1.13
-1.83
Net Investment Purchase and Sale
-5.95
-9.38
-7.77
-6.63
-7.83
Purchase of Investment
-16.01
-15.72
-13.98
-18.90
-22.78
Sale of Investment
10.06
6.34
6.21
12.27
14.94
Net Other Investing Changes
-0.01
-0.02
0.01
-0.01
Financing Cash Flow
5.00
4.09
3.09
1.76
1.88
Cash Flow from Continuing Financing Activities
5.00
4.09
3.09
1.76
1.88
Net Issuance Payments of Debt
0.67
0.45
0.23
Net Long-Term Debt Issuance
0.67
0.45
0.23
Long-Term Debt Issuance
0.85
1.07
0.89
Long-Term Debt Payments
-0.61
-0.67
Net Short-Term Debt Issuance
Net Common Stock Issuance
-0.46
-0.55
-0.02
-0.10
Common Stock Issuance
Common Stock Payments
-0.46
-0.55
-0.02
-0.22
Cash Dividends Paid
-0.45
-0.49
-0.50
-0.53
-0.55
Net Other Financing Charges
5.41
4.95
2.94
1.82
2.29
End Cash Position
16.00
9.98
11.93
16.86
14.73
Changes in Cash
1.64
-2.07
0.48
0.71
-1.48
Beginning Cash Position
14.36
12.05
11.45
16.14
16.20
Capital Expenditure
-0.13
-0.14
-0.13
-0.15
-0.14
Issuance of Capital Stock
Issuance of Debt
0.85
1.07
0.89
Repayment of Debt
-0.61
-0.67
Repurchase of Capital Stock
-0.46
-0.55
-0.02
-0.22
Free Cash Flow
3.96
4.22
6.35
6.67
5.67