Fidelity National Financial, Inc. (FNF) AI Stock Analysis

Founded in 1847 and headquartered in Jacksonville, Florida, Fidelity National Financial, Inc. offers insurance products and real estate services across the United States. Its core portfolio includes title insurance, escrow services, and real estate technology solutions. In addition to traditional financial and insurance offerings, the company has explored initiatives in the digital assets and cryptocurrency space, using blockchain technology to enhance transaction efficiency and security across real estate and insurance operations.

Revenue reached $14.51B in FY2025, expanding 8.6% year over year following 15.9% growth to $13.36B in FY2024. This compares to $11.46B in FY2022 and $15.07B in FY2021. Net income was $602.0M in FY2025, down from $1.27B in FY2024 and $2.80B in FY2021, yielding a net margin of 4.2% and EPS of $4.98. Operating margin stood at 9.9% in FY2025 after reaching 13.0% in FY2024. For the latest quarter ended June 30, 2026, revenue increased 10.5% year over year, while quarterly earnings grew 5.8%. Over the five years from FY2020 to FY2025, revenue grew at a compound annual rate of 6.3%.

As of June 30, 2026, Fidelity National Financial held $57.85B in cash and short-term investments against total debt of $4.74B, resulting in net cash of $53.11B. Shareholders' equity was $7.45B out of $114.53B in total assets, with a debt-to-equity ratio of 0.64 and a current ratio of 1890.80. In FY2025, the company generated $6.52B in operating cash flow and $6.38B in free cash flow. Capital allocation in FY2025 included $147.0M in capital expenditures, $289.0M in share buybacks, and $546.0M in dividends paid.

At $40.05, Fidelity National Financial trades at a trailing P/E of 13.9x and a forward P/E of 12.8x, both above the median of its US-listed Financial Services peers (12.1x trailing and 10.8x forward). Its price-to-sales multiple of 0.7x trades well below the peer median of 3.2x, while EV to revenue stands at 0.9x. The stock has delivered a 1-year return of -21.3%, trailing the S&P 500 (SPY) return of 16.8%. Over five years, the stock gained 11.8% compared to an 83.0% gain for the benchmark.

Fidelity National Financial pays a quarterly dividend with a forward annual payout of $2.08 per share, representing a 5.19% dividend yield. The payout ratio is 38.8%. The company has paid dividends for 22 consecutive years, generating a 5-year annualized dividend growth rate of 9.5%. Its last ex-dividend date was September 16, 2026.

Wall Street coverage includes 3 Strong Buy ratings, 1 Buy, and 1 Hold, with no Sell or Strong Sell ratings. The mean price target is $55.00, representing 37.3% upside above the $40.05 close. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $14.88B and EPS of $5.02, reflecting 1.0% growth. Over the last four quarters, the company beat EPS estimates twice. The next earnings date is November 5, 2026.

This page is an AI-written research summary of Fidelity National Financial, Inc. (FNF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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