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Fidelity National Financial Inc

Company price
43.84 USD 0.95 ( 2.21%)
Last update at 2026-11-06T21:00:00Z
VOLUME
4333139
Market Cap
13741.25M
P/E
22.83

Momentum Score

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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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Day Price Range
42.36
Low
45.86
High
52 Week Price Range
42.78
Low
59.91
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

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.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
42.89
Dividend Yield
4.01%
Revenue TTM
14505.00M
Revenue Per Share
53.52
Gross Profit TTM
7762.00M
Debt / Equity
0.64
ROE
7.76%
Net Debt
2132.00M
ROCE
1.54%
Diluted EPS TTM
2.22

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

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

Peer Comparison*

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

Profile*

Fidelity National Financial Inc

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.

601 Riverside Avenue, Jacksonville, FL, United States, 32204

904 854 8100

24535

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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