Fidelity National Financial, Inc. · Title Insurance

FNF

Low riskNext report: Around Nov 5 (est.)

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The short version

A profitable company with growing sales.

Going well

Sales up 11% in the latest quarter vs a year ago
Raised its dividend (5.1% yield)
Profitable every year for 10 years

Money moves

No insider buying or selling in the last 30 days
Institutions added 6.3% to their holdings in the quarter ending June 2026 (310 bought, 335 sold)
Held by Ray Dalio (Bridgewater)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$39.95-1.2% that day

Company value: $10.7B; Share price times all shares
Price vs profit (P/E): 13.9x; You pay about $14 for each $1 of yearly profit
Price vs sales: 0.70x; Company value is 0.70 times a year of sales
Dividend yield: 5.1%; Yearly dividend as a share of today's price
Cash vs value: 33%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 41%; Debt as a share of company value

From FNF's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$4.1B+11% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $15.4B, up 13% from the 12 months before. Over 5 years, sales grew about 6.0% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of FNF. Starting points are the company's recent numbers.

Sales growth+13% a yearRecently: +13% a yearProfit margin5%Last 12 months: 5.0%P/E at the end14xToday: 13.9x. Many steady companies trade at 12x to 25xShare count change-1% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$28.3B

Profit in 5 years$1.4B

Price these guesses point to$77.66+94% vs $39.95 todayAbout +14% a year, before dividends

What today's price needs: with a 5% margin and a 14x P/E, sales could shrink about 1.1% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/6Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.7.9%
MissDebt under half of equityNot relying on borrowed money.0.59x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.4.2%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$5.8B
PassShare count not growingNot diluting owners. Falling means buybacks.-1.8% in 3 years

Revenue: $14.4B; +5.6% vs prior year
5-year growth: +6.0%/yr; revenue, per year
Total debt: $4.4B; 0.59x equity
Free cash flow: $5.8B; 40.3% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.