# Fidelity National Financial Inc. (FNF) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $45.78, market value $12.3 billion.

## Valuation
- **P/E (trailing): 16.0×** (5-yr avg 13.9×, 3-yr avg 19.6×). Fidelity National Financial Inc. trades at 16.0× trailing earnings, close to its own five-year average of 13.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.9×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 2.2×**. Each dollar of revenue is priced at 2.2×.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 6.3%**. The inverse of the P/E: 6.3% of the price is earned each year.

## Profitability
- **Net margin: 28.7%**. 28.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.1%**. 8.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.7%**. Each dollar of assets produces 0.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 9.1%** (3-yr -2.0%/yr, 5-yr -2.6%/yr). Revenue grew 9.1% over the last year, against -2.6% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -52.5%** (3-yr -22.1%/yr, 5-yr -15.0%/yr). Earnings per share fell 52.5%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $2.6 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.54%** ($2.06 per share, trailing). Fidelity National Financial Inc. yields 4.54%, an income-level yield.
- **Payout ratio: 91%**. 91% of earnings goes out as dividends, leaving a thin cushion.
- **Consecutive years of increases: 14**. 14 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 9.5%/yr** (1-yr 5.1%). The dividend has grown 9.5% a year over five years.

## Analyst view
- **Analyst consensus: buy** (5 analysts). 5 analysts cover Fidelity National Financial Inc.; the consensus is buy, with an average price target of $61.40 (+34% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -18.3%** (YTD -14.3%, 3-mo -2.4%). The shares are down 18.3% over twelve months including dividends.
- **From 52-week high: -22.1%** (7.0% above the low). Trading 22% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 37**. An RSI of 37 is neutral.
- **Beta (1 yr): 0.36** (volatility 27%). Beta of 0.36 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FNF · Page: https://foliofundamentals.com/stocks/fnf

Not investment advice.