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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Fidelity National Financial provides title insurance and real estate transaction services in the United States, supported by a nationwide agent network and complementary mortgage and settlement businesses. Long-term growth drivers include U.S. housing market activity, increased use of digital closing and settlement technology, and scale benefits from diversified service lines. Investors may find the company attractive because it appears positioned to generate recurring fee-based revenue and consistent cash flow supported by market share and operational investments.
Key risks include sensitivity to housing market cycles and interest-rate-driven mortgage activity, underwriting and claims exposure, and regulatory or legal changes affecting title insurance practices and fees.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 1432.00M | 1758.00M | 710.00M | 1535.00M | 3083.00M |
| Minority interest | -77.00M | -121.00M | -49.00M | -16.00M | 20.00M |
| Net income | 602.00M | 1270.00M | 517.00M | 1136.00M | 2422.00M |
| Selling general administrative | 3437.00M | 3148.00M | 2908.00M | 3192.00M | 3528.00M |
| Gross profit | 14243.00M | 7070.00M | 5658.00M | 9835.00M | 13714.00M |
| Reconciled depreciation | 844.00M | 739.00M | 573.00M | 496.00M | 645.00M |
| Ebit | 1674.00M | 1951.00M | 867.00M | 1649.00M | 3135.00M |
| Ebitda | 2518.00M | 2690.00M | 1460.00M | 2145.00M | 3780.00M |
| Depreciation and amortization | 844.00M | 739.00M | 593.00M | 496.00M | 645.00M |
| Non operating income net other | - | - | - | - | 64.00M |
| Operating income | 1432.00M | 1742.00M | 693.00M | 1649.00M | 3135.00M |
| Other operating expenses | 13073.00M | 11613.00M | 10828.00M | 10021.00M | 12560.00M |
| Interest expense | 242.00M | 209.00M | 174.00M | 115.00M | 114.00M |
| Tax provision | 753.00M | 367.00M | 149.00M | 398.00M | 713.00M |
| Interest income | 2945.00M | 2839.00M | 2270.00M | 115.00M | 114.00M |
| Net interest income | -242.00M | -209.00M | -155.00M | -115.00M | -114.00M |
| Extraordinary items | - | - | 0.00M | 0.00M | 8.00M |
| Income tax expense | 753.00M | 367.00M | 192.00M | 398.00M | 713.00M |
| Total revenue | 14505.00M | 13355.00M | 11521.00M | 11556.00M | 15643.00M |
| Total operating expenses | 12811.00M | 5328.00M | 4965.00M | 8683.00M | -12508.00M |
| Cost of revenue | 262.00M | 6285.00M | 5863.00M | 1721.00M | 1929.00M |
| Total other income expense net | -9576.00M | 16.00M | 17.00M | -114.00M | -52.00M |
| Discontinued operations | - | - | - | - | 8.00M |
| Net income from continuing ops | 679.00M | 1391.00M | 472.00M | 1152.00M | 2434.00M |
| Net income applicable to common shares | 602.00M | 1270.00M | 517.00M | 1136.00M | 2422.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 109014.00M | 95372.00M | 80614.00M | 57108.00M | 60690.00M |
| Intangible assets | 424.00M | 6396.00M | 5045.00M | 4450.00M | 2957.00M |
| Other current assets | 18161.00M | -44900.00M | 35976.00M | 6445.00M | -25654.00M |
| Total liab | 100042.00M | 86840.00M | 73154.00M | 59610.00M | 51233.00M |
| Total stockholder equity | 7424.00M | 7754.00M | 6908.00M | -2862.00M | 9414.00M |
| Deferred long term liab | - | - | - | 207.00M | 205.00M |
| Other current liab | -376.00M | -273.00M | -345.00M | -156.00M | -129.00M |
| Common stock | 0.03M | 0.03M | 0.03M | 277.00M | 9457.00M |
| Capital stock | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Retained earnings | 5484.00M | 5982.00M | 5244.00M | 4714.00M | 4369.00M |
| Other liab | - | - | - | 46548.00M | 46211.00M |
| Good will | 5272.00M | 5271.00M | 4830.00M | 4642.00M | 4539.00M |
| Other assets | 27911.00M | 95372.00M | -29328.00M | -36203.00M | -25654.00M |
| Cash | 2636.00M | 3410.00M | 2505.00M | 2044.00M | 3880.00M |
| Cash and equivalents | 2636.00M | 3479.00M | 2767.00M | 2286.00M | 4360.00M |
| Total current liabilities | 1.00M | 52.00M | -5054.00M | 156.00M | 129.00M |
| Current deferred revenue | - | - | 3.00M | - | - |
| Net debt | 2132.00M | 1296.00M | 1776.00M | 1612.00M | -370.00M |
| Short term debt | 130.00M | 433.00M | 507.00M | 3656.00M | 3510.00M |
| Short long term debt total | 4768.00M | 4706.00M | 4281.00M | 3656.00M | 3510.00M |
| Other stockholder equity | 3618.00M | 3824.00M | 3783.00M | -4714.00M | 4266.00M |
| Property plant equipment | 525.00M | 524.00M | 516.00M | 555.00M | 185.00M |
| Total current assets | 75831.00M | 44900.00M | 26999.00M | 43784.00M | 40656.00M |
| Long term investments | 62576.00M | 56084.00M | 49213.00M | 39880.00M | 42775.00M |
| Net tangible assets | - | - | - | -13.00M | 4875.00M |
| Short term investments | 54561.00M | 27639.00M | 24052.00M | 35685.00M | 32481.00M |
| Net receivables | 473.00M | 13851.00M | 442.00M | 6055.00M | 4295.00M |
| Long term debt | 4400.00M | 4321.00M | 3887.00M | 3238.00M | 4772.00M |
| Inventory | - | - | -35976.00M | - | - |
| Accounts payable | 246.00M | 191.00M | 339.00M | 156.00M | 129.00M |
| Noncontrolling interest in consolidated entity | - | - | - | - | 43.00M |
| Accumulated other comprehensive income | -1678.00M | -2052.00M | -2119.00M | -2862.00M | 779.00M |
| Retained earnings total equity | - | - | - | - | 4369.00M |
| Treasury stock | - | - | - | - | -1545.00M |
| Non currrent assets other | -5590.00M | -47373.00M | 67718.00M | -49527.00M | -45688.00M |
| Non current assets total | 5272.00M | 50472.00M | 82943.00M | 49527.00M | 45688.00M |
| Capital lease obligations | 368.00M | 385.00M | 394.00M | 418.00M | 414.00M |
| Long term debt total | 4400.00M | 4321.00M | 3887.00M | 3238.00M | 4772.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -6915.00M | -7862.00M | -8394.00M | -10524.00M | -7207.00M |
| Change to liabilities | - | - | - | 0.00M | 1466.00M |
| Total cashflows from investing activities | -9628.00M | -7862.00M | -9090.00M | -10524.00M | -7449.00M |
| Net borrowings | 85.00M | 453.00M | 666.00M | 550.00M | -6.00M |
| Total cash from financing activities | 2263.00M | 1759.00M | 3093.00M | 4095.00M | 5000.00M |
| Change to operating activities | - | - | - | 2528.00M | 2027.00M |
| Net income | 602.00M | 1391.00M | 518.00M | 1152.00M | 2442.00M |
| Change in cash | -843.00M | 712.00M | 481.00M | -2074.00M | 1641.00M |
| Begin period cash flow | 3479.00M | 2767.00M | 2286.00M | 4360.00M | 2719.00M |
| End period cash flow | 2636.00M | 3479.00M | 2767.00M | 2286.00M | 4360.00M |
| Total cash from operating activities | 6522.00M | 6815.00M | 6478.00M | 4355.00M | 4090.00M |
| Issuance of capital stock | 117.00M | 0.00M | 0.00M | - | - |
| Depreciation | 844.00M | 739.00M | 593.00M | 496.00M | 645.00M |
| Other cashflows from investing activities | -11.00M | 628.00M | 407.00M | -10386.00M | -242.00M |
| Dividends paid | 546.00M | 532.00M | 500.00M | -489.00M | -446.00M |
| Change to inventory | - | - | 4601.00M | - | -36.00M |
| Change to account receivables | -15.00M | -56.00M | 115.00M | 327.00M | -116.00M |
| Sale purchase of stock | -289.00M | -34.00M | -24.00M | -553.00M | -463.00M |
| Other cashflows from financing activities | 2903.00M | 1872.00M | 2951.00M | 5541.00M | 5909.00M |
| Change to netincome | - | - | - | -8.00M | 416.00M |
| Capital expenditures | 147.00M | 146.00M | 132.00M | 138.00M | 131.00M |
| Change receivables | - | - | - | - | -116.00M |
| Cash flows other operating | - | - | - | - | -763.00M |
| Cash and cash equivalents changes | - | - | - | - | 1641.00M |
| Change in working capital | 5353.00M | 5324.00M | 4710.00M | 2731.00M | 1889.00M |
| Stock based compensation | 88.00M | 82.00M | 60.00M | 49.00M | 43.00M |
| Other non cash items | -277.00M | -721.00M | 597.00M | -73.00M | -191.00M |
| Free cash flow | 6375.00M | 6669.00M | 6346.00M | 4217.00M | 3959.00M |
Sector: Financial Services Industry: Insurance - Specialty
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FNF Fidelity National Financial Inc |
0.95 2.21% |
43.84 | 22.83 | 12.82 | 0.95 | 1.85 | 1.14 |
| MDBPF Medibank Private Limited |
- -% |
3.90 | 32.50 | 20.92 | 1.16 | 6.50 | 1.62 |
| AXS AXIS Capital Holdings Ltd |
-1.96 1.82% |
105.97 | 8.27 | 7.52 | 1.15 | 1.30 | 1.37 |
| ACT Enact Holdings Inc |
-1.34 2.81% |
46.43 | 10.57 | 9.64 | 5.43 | 1.26 | 5.73 |
| FAF First American Corporation |
-1.19 1.74% |
67.01 | 28.12 | 9.38 | 1.06 | 1.47 | 1.15 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Michael Joseph Nolan | Chief Exec. Officer | 1960 |
| Mr. Raymond Randall Quirk | Exec. Vice-Chairman | 1947 |
| Mr. Anthony John Park | Exec. VP & CFO | 1967 |
| Mr. Peter Tadeusz Sadowski | Exec. VP & Chief Legal Officer | 1955 |
| Mr. Roger Scott Jewkes | Exec. VP | 1959 |
| Mr. Steven Day | Pres of National Agency Operations | NA |
| Ms. Lisa Foxworthy-Parker | Sr. VP of Investor & External Relations | NA |
| Mr. Paul Ignatius Perez | Chief Compliance Officer & Deputy Chief Legal Officer | 1955 |
| Mr. Bradley Ono | Assistant VP of Sales & Client Devel. | NA |
| Ms. Melissa Circelli | Chief HR Officer | NA |
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