-0.67%
3.62%
-3.32%
4.98%
16.27%
20.19%
24.14%
AI Spotlight on FNF
Company Description
Fidelity National Financial, Inc., together with its subsidiaries, provides various insurance products in the United States.The company operates through Title, F&G, and Corporate and Other segments.It offers title insurance, escrow, and other title related services, including trust activities, trustee sales guarantees, recordings and reconveyances, and home warranty insurance.
The company 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, it offers annuity and life insurance products, such as deferred annuities that include fixed indexed, fixed rate, and immediate annuities, as well as indexed universal life insurance products.Further, the company engages in the real estate brokerage business.
Fidelity National Financial, Inc.was founded in 1847 and is headquartered in Jacksonville, Florida.
Market Data
| Last Price | 58.17 |
| Change Percentage | -0.67% |
| Open | 58.32 |
| Previous Close | 58.56 |
| Market Cap ( Millions) | 15918 |
| Volume | 443753 |
| Year High | 64.83 |
| Year Low | 46.85 |
| M A 50 | 58.88 |
| M A 200 | 55.89 |
Financial Ratios
| FCF Yield | 48.25% |
| Dividend Yield | 3.34% |
| ROE | -0.94% |
| Debt / Equity | 56.53% |
| Net Debt / EBIDTA | -600.00% |
| Price To Book | 1.96 |
| Price Earnings Ratio | -229.31 |
| Price To FCF | 2.07 |
| Price To sales | 1.18 |
| EV / EBITDA | 132.41 |
News
- Jan -23 - IPX1031 Releases 2025 Trends: Key Insights for the CRE Market and 1031 Exchanges
- Dec -31 - 3 Financial Stocks to Buy on a Slowdown in 2025 Rate Cuts
- Dec -12 - 14 Upcoming Dividend Increases
- Dec -11 - FNF Group (FNF) Upgraded to Buy: What Does It Mean for the Stock?
- Nov -28 - Fidelity National Stock Rallies 25% YTD but Lags Industry: How to Play
- Nov -20 - Fidelity National Financial: Strong And Safe Dividend Despite Housing Market
- Nov -12 - Fidelity National Financial CEO Mike Nolan and CFO Tony Park to Speak at the Stephens Annual Investment Conference
- Nov -11 - Fidelity National Boosts Shareholders' Value Via Dividend Hike
- Nov -09 - Fidelity National: Q3 Refinancing Surge May Be Short-Lived
- Nov -07 - Fidelity National Financial, Inc. (FNF) Q3 2024 Earnings Call Transcript
- Nov -07 - Fidelity National Financial Announces 4% Increase in Quarterly Cash Dividend
- Nov -07 - FNF Group (FNF) Q3 Earnings Lag Estimates
- Nov -06 - FNF Reports Third Quarter 2024 Financial Results
- Oct -23 - Fidelity National Financial Announces Third Quarter 2024 Earnings Release and Conference Call
- Oct -21 - LoanCare Expands with Digital Recapture, Paving the Way for Lender Success
- Oct -02 - Fidelity National Financial Acquires First Nationwide Title Agency
- Sep -26 - Fidelity National Near 52-Week High: How Should You Play the Stock?
- Sep -03 - Fidelity National Financial CEO Mike Nolan and CFO Tony Park to Speak at the Barclays Global Financial Services Conference
- Aug -28 - Fidelity National's Stock Lags Industry: Is it a Hold or Fold?
- Aug -28 - IPX1031 Honored Again as Best Overall 1031 Exchange Company
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Title
Expected Growth : 4.5 %
What the company do ?
Fidelity National Financial, Inc. is a leading provider of title insurance and settlement services to the real estate and mortgage industries.
Why we expect these perspectives ?
Fidelity National Financial's 4.5% growth is driven by increasing demand for title insurance and settlement services, fueled by a strong housing market and rising mortgage originations. Additionally, the company's expansion into adjacent markets, such as valuation and mortgage services, and its focus on digital transformation and operational efficiency, contribute to its growth momentum.
Segment n°2 -> F&G
Expected Growth : 5.5 %
What the company do ?
F&G, a subsidiary of Fidelity National Financial, Inc., provides annuity and life insurance products to individuals and institutions.
Why we expect these perspectives ?
F&G's 5.5% growth is driven by increasing demand for annuity products, expansion into adjacent markets, and strategic acquisitions. Additionally, the company's diversified revenue streams, strong brand recognition, and effective cost management contribute to its growth momentum.
Segment n°3 -> Corporate and Other
Expected Growth : 3.5 %
What the company do ?
Corporate and Other from Fidelity National Financial, Inc. refers to the unallocated corporate expenses, interest, and other non-operating items not attributed to specific business segments.
Why we expect these perspectives ?
Fidelity National Financial's Corporate and Other segment growth of 3.5% is driven by increased investment income, cost savings from operational efficiencies, and strategic acquisitions. Additionally, the company's diversification into adjacent markets and expansion of its digital offerings have contributed to revenue growth.
Fidelity National Financial, Inc. Products
| Product Range | What is it ? |
|---|---|
| Title Insurance | Fidelity National Financial provides title insurance policies to protect buyers and lenders from defects in the title of a property. |
| Escrow and Closing Services | Fidelity National Financial offers escrow and closing services to facilitate the transfer of ownership of a property. |
| Default Services | Fidelity National Financial provides default services, including foreclosure processing, to lenders and servicers. |
| Real Estate Brokerage Services | Fidelity National Financial offers real estate brokerage services through its subsidiary, FNF Realty. |
| Information Services | Fidelity National Financial provides data and analytics services to the real estate and mortgage industries. |
Fidelity National Financial, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Fidelity National Financial, Inc. is medium due to the presence of alternative title insurance and settlement services providers. However, the company's strong brand recognition and extensive network of agents and partners mitigate this threat.
Bargaining Power Of Customers
The bargaining power of customers is low due to the fragmented nature of the title insurance and settlement services market. Fidelity National Financial, Inc. has a large customer base, which reduces the bargaining power of individual customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the company's large scale of operations and its ability to negotiate favorable terms with its suppliers. Fidelity National Financial, Inc. has a diversified supplier base, which reduces its dependence on any single supplier.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the title insurance and settlement services market. Fidelity National Financial, Inc. has a strong brand presence and an extensive network of agents and partners, making it difficult for new entrants to compete.
Intensity Of Rivalry
The intensity of rivalry is high due to the competitive nature of the title insurance and settlement services market. Fidelity National Financial, Inc. faces intense competition from other established players, which can lead to pricing pressures and reduced market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 36.84% |
| Debt Cost | 5.62% |
| Equity Weight | 63.16% |
| Equity Cost | 10.76% |
| WACC | 8.87% |
| Leverage | 58.32% |
Fidelity National Financial, Inc. : Quality Control
Fidelity National Financial, Inc. passed 6 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| MTG | MGIC Investment Corporation, through its subsidiaries, provides private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government sponsored entities in the United States, Puerto … |
| RDN | Radian Group Inc., together with its subsidiaries, engages in the mortgage and real estate services business in the United States. Its Mortgage segment offers credit-related insurance coverage primarily through private … |
| AIZ | Assurant, Inc., together with its subsidiaries, provides lifestyle and housing solutions that support, protect, and connect consumer purchases in North America, Latin America, Europe, and the Asia Pacific. The company … |
| ACT | Enact Holdings, Inc. operates as a private mortgage insurance company in the United States. The company is involved in writing and assuming residential mortgage guaranty insurance. It offers private mortgage … |
| NMIH | NMI Holdings, Inc. provides private mortgage guaranty insurance services in the United States. The company offers mortgage insurance services; and outsourced loan review services to mortgage loan originators. It serves … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Enact Holdings
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MGIC
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Fidelity National Financial
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1-Year Total Return ->
4
Radian Group
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5
NMI Holdings
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1-Year Total Return ->
6
