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STOCK COMPARISON

Fidelity National Financial vs NIB Holdings: Fair Value & Quality

Both stocks run through our valuation models. Here is how Fidelity National Financial (FNF) and NIB Holdings (NHF) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees Fidelity National Financial as the less overvalued of the two: Fidelity National Financial trades at $47.28 versus a fair value of $29.08 (-38%), while NIB Holdings trades at A$6.68 versus A$3.56 (-47%).
Fidelity National Financial
FNF · USD · Financials
-38%
upside to fair value
overvalued
Price$47.28
Fair Value$29.08
Quality52/100
NIB Holdings
NHF.AU · AUD · Financials
-47%
upside to fair value
overvalued
PriceA$6.68
Fair ValueA$3.56
Quality59/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Fidelity National FinancialNIB Holdings
Valuation
17.6×P/E (TTM)18.2×
0.89×P/S (TTM)0.69×
1.80×P/B2.30×
6.4×EV/EBITDA8.5×
0.85×PEG3.45×
−38.5%Fair value upside−46.7%
4.3%Dividend yield4.3%
$2.04Dividend per shareA$0.29
Profitability
19%Operating margin7%
0.59×EBIT margin trend (5Y)1.43×
10%Return on equity18%
1%Return on assets8%
Growth
17%Revenue growth (YoY)6%
8.2%Avg. growth/yr (3Y)8.7%
6.3%Avg. growth/yr (5Y)7.1%
+4.9%Value creation/yr+10.2%
Balance & size
5.9×Interest coverage (EBIT/interest)14.9×
0.59×Debt / equity0.25×
$13BMarket cap$3B
healthyGrowth qualityhealthy

NIB Holdings leads: 6 to 8 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Fidelity National Financialof which business quality 51 · market factors 43 NIB Holdingsof which business quality 60 · market factors 56
ProfitabilityMargins and returns on capital today
22
72
Quality GrowthAre margins and returns improving?
51
38
CashflowEarnings quality: real cash, not paper profit
100
33
Fin. StrengthBalance sheet, leverage, solvency risk
7
74
InvestmentDisciplined investing over empire-building
50
67
Low VolatilityCalm price path (market factor)
67
92
MomentumPrice trend over the last 3–12 months (market factor)
38
46
52W MomentumDistance to the 52-week high (market factor)
26
34
Net IssuanceBuybacks instead of dilution
87
79

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyFidelity National FinancialPrice $47.28NIB HoldingsPrice A$6.68
Dividend Discount-26%below the price$35.18n/a
Multiples-29%below the price$33.55-36%below the priceA$4.25
Asset-Based-61%below the price$18.48-77%below the priceA$1.52
Economic Profit-47%below the price$25.07-49%below the priceA$3.41
Minimum-61%below the price$18.48-77%below the priceA$1.52
Maximum-26%below the price$35.18-36%below the priceA$4.25
Median-38%below the price$29.31-49%below the priceA$3.41
Geometric mean-42%below the price$27.19-58%below the priceA$2.80

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Fidelity National Financial: 6 of 6 models see the stock below the current price.

NIB Holdings: 4 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Fidelity National Financial
Bear $21.81Fair Value $29.08Bull $36.34
$47.28 = current price (white tick)
NIB Holdings
Bear A$2.67Fair Value A$3.56Bull A$4.45
A$6.68 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Fidelity National Financial · Financials

Quality score52 · below median
Fair value upside-38% · bottom 25%

NIB Holdings · Financials

Quality score59 · above median
Fair value upside-47% · bottom 25%

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees Fidelity National Financial as the less overvalued of the two: Fidelity National Financial trades at $47.28 versus a fair value of $29.08 (-38%), while NIB Holdings trades at A$6.68 versus A$3.56 (-47%).

NIB Holdings has the higher quality score (59/100).

See the full analysis →
Fidelity National Financial · NIB Holdings

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.