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STOCK COMPARISON

NIB Holdings vs Fidelity National Financial: Fair Value & Quality

Both stocks run through our valuation models. Here is how NIB Holdings (NHF) and Fidelity National Financial (FNF) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees NIB Holdings as the less overvalued of the two: NIB Holdings trades at A$7.52 versus a fair value of A$5.31 (-29%), while Fidelity National Financial trades at $50.18 versus $29.08 (-42%).
NIB Holdings
NHF.AU · AUD · Financials
-29%
upside to fair value
overvalued
PriceA$7.52
Fair ValueA$5.31
Quality59/100
Fidelity National Financial
FNF · USD · Financials
-42%
upside to fair value
overvalued
Price$50.18
Fair Value$29.08
Quality52/100

Head-to-head numbers

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

NIB HoldingsFidelity National Financial
Valuation
18.2×P/E (TTM)17.6×
0.67×P/S (TTM)0.89×
2.26×P/B1.80×
8.3×EV/EBITDA6.4×
3.45×PEG0.85×
4.0%Dividend yield4.2%
A$0.29Dividend per share$2.04
Profitability
5%Net margin5%
7%Operating margin19%
18%Return on equity10%
8%Return on assets1%
Growth
6%Revenue growth (YoY)17%
8.7%Avg. growth/yr (3Y)8.2%
7.1%Avg. growth/yr (5Y)6.3%
Balance & size
0.25×Debt / equity0.59×
$3BMarket cap$13B
healthyGrowth qualityhealthy

Even match: 7 to 7 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.

NIB Holdingsof which business quality 60 · market factors 66 Fidelity National Financialof which business quality 51 · market factors 46
ProfitabilityMargins and returns on capital today
72
22
Quality GrowthAre margins and returns improving?
38
51
CashflowEarnings quality: real cash, not paper profit
33
100
Fin. StrengthBalance sheet, leverage, solvency risk
74
7
InvestmentDisciplined investing over empire-building
67
50
Low VolatilityCalm price path (market factor)
95
67
MomentumPrice trend over the last 3–12 months (market factor)
50
35
52W MomentumDistance to the 52-week high (market factor)
61
40
Net IssuanceBuybacks instead of dilution
79
87

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

NIB Holdings

MultiplesA$4.25
Asset-BasedA$1.52
Economic ProfitA$3.41

4 of 4 models see the stock below the current price.

Fidelity National Financial

Dividend Discount$35.18
Multiples$33.55
Asset-Based$18.48
Economic Profit$25.07

6 of 6 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.

NIB Holdings
Bear A$3.98Fair Value A$5.31Bull A$6.64
A$7.52 = current price (white tick)
Fidelity National Financial
Bear $21.81Fair Value $29.08Bull $36.34
$50.18 = 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.

NIB Holdings · Financials

Quality score59 · above median
Fair value upside-29% · below median

Fidelity National Financial · Financials

Quality score52 · below median
Fair value upside-42% · bottom 25%

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees NIB Holdings as the less overvalued of the two: NIB Holdings trades at A$7.52 versus a fair value of A$5.31 (-29%), while Fidelity National Financial trades at $50.18 versus $29.08 (-42%).

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

See the full analysis →
NIB Holdings · Fidelity National Financial

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.