Fidelity National Financial Inc (FNF) fair value: what the stock is really worth
We calculate from audited financials what Fidelity National Financial Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
60‑month range $28.38 – $61.01 · fair‑value band $21.81 – $36.34 · the $42.50 price screens above the $29.08 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
Fidelity National Financial, Inc., together with its subsidiaries, provides various insurance products in the United States. It operates through Title, F&G, and Corporate and Other segments.
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Fidelity National Financial, Inc., together with its subsidiaries, provides various insurance products in the United States. It operates through Title, F&G, and Corporate and Other segments. The company offers title insurance, escrow, and other title related services, including trust activities, trustee sales guarantees, recordings and reconveyances, and home warranty products. It 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, the company offers annuity and life insurance products, such as deferred and immediate annuities, as well as indexed universal life insurance products; and funding agreements and pension risk transfer (PRT) solutions. Further, it engages in the real estate brokerage business. Fidelity National Financial, Inc. was incorporated in 2005 and is headquartered in Jacksonville, Florida.
Stock analysis
Fidelity National Financial Inc (FNF) currently trades at $42.50, while our model-based Fair Value estimate is $29.08, implying the stock looks roughly 46.2% overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $31.62 per share, and 0 of the 6 models we run sit above the $42.50 price.
Bear case: the Asset-Based group reads lowest at $18.48, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $21.81 (bear) to $36.34 (bull), the price of $42.50 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Fidelity National Financial Inc reported revenue of $14.5B in FY2025 versus $15.1B in FY2021, a compound −0.9%/yr. Reported net income was $602M in FY2025, compounding −31.9%/yr from FY2021.
Key figures
Market cap $13.3B · P/E ratio 15.1 · P/S ratio 0.63 · EPS (TTM) $2.81 · Dividend yield 4.8% · Net margin 4.2% · Return on equity 10.5% · Return on assets (EBIT) 2.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 6% fair-value upside, at −32%, FNF screens richer than that median.
Fair Value models
Bear $21.81Fair Value $29.08Bull $36.34
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.5569 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.72/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.3%
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+5.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.6%
Dividend (yield on the price)4.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−15% vs 1%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.17% → 10%
News mood ⓘNews mood, the average tone of recent news (95 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Compare Fidelity National Financial Inc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Specialty · 29 stocks
Beats the industry median on 7/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside−37% · Bottom 25%
Profitability
Return on equity (TTM)10% · Below median
Return on assets1% · Bottom 25%
Net margin (TTM)5% · Bottom 25%
Operating margin (TTM)19% · Above median
Growth and dividend
Revenue growth17% · Top 25%
Dividend yield (TTM)4.8% · Top 25%
Balance sheet
Debt / equity0.59× · Highest 25%
Valuation Multiplesvs Insurance - Specialty median · lower = cheaper
P/E (TTM)15.1× · Priciest 25%
P/B1.80× · Pricier than median
P/S (TTM)0.89× · Cheaper than median
P/FCF2.1× · Cheapest 25%
EV/EBITDA6.4× · Cheaper than median
PEG0.85× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 25
FUTURE (revenue growth)84· sector 24
PAST (return on equity)42· sector 62
HEALTH (low debt)70· sector 91
DIVIDEND (yield)96· sector 54
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Fidelity National Financial Inc Fair Value". https://www.fairvalue-calculator.com/stock/FNF
Frequently asked questions
Is Fidelity National Financial Inc (FNF) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of $29.08 versus a price of $42.50, about −32% upside (overvalued).
What is the fair value of FNF?
Our model-based fair value for Fidelity National Financial Inc is $29.08 (as of Sep 18, 2026), built from audited fundamentals. The current price: $42.50.
What is the quality score of FNF?
Fidelity National Financial Inc has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Fidelity National Financial Inc (FNF)?
Our model-based price target is the fair value of $29.08 (as of Sep 18, 2026) from 6 valuation models. Cautious scenario $21.81, optimistic scenario $36.34. It is a calculation from audited fundamentals, not an analyst target.
What is the Fidelity National Financial Inc stock forecast for 2026?
Our models put fair value at $29.08, about −32% upside versus a price of $42.50 (overvalued). Cautious scenario $21.81, optimistic scenario $36.34. The calculation is refreshed regularly with new filings.
What is the revenue of Fidelity National Financial Inc (FNF)?
Fidelity National Financial Inc reported trailing-twelve-month revenue of about $15.0B (latest available figure, as of Sep 18, 2026).
Does Fidelity National Financial Inc pay a dividend?
Fidelity National Financial Inc currently shows a dividend yield of about 4.80% relative to its recent price (as of Sep 18, 2026).
What is the intrinsic value of Fidelity National Financial Inc (FNF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fidelity National Financial Inc it is $29.08 per share (as of Sep 18, 2026), against a price of $42.50. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Fidelity National Financial Inc stock overvalued or undervalued in 2026?
As of Sep 18, 2026, FNF trades above its calculated fair value: price $42.50, fair value $29.08, a gap of about −32% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FNF?
No. The price is what the market pays today ($42.50); the fair value is what the company's own numbers justify ($29.08). For Fidelity National Financial Inc the two are $13.42 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fidelity National Financial Inc worth?
The market values Fidelity National Financial Inc at about $13.3B (market capitalisation, as of Sep 18, 2026). Per share that is $42.50; our models calculate a fair value of $29.08 per share.
What do the bullish and bearish scenarios say about FNF?
Our models span a range for Fidelity National Financial Inc: cautious scenario $21.81, base $29.08, optimistic $36.34 per share (as of Sep 18, 2026, price $42.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FNF?
Fidelity National Financial Inc trades at a price-to-earnings ratio of 15.1 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $29.08 is built from several models across several years. Other multiples: PEG 0.9, P/B 1.8, P/S 0.9, EV/EBITDA 6.4.
What is the PEG ratio of FNF?
The PEG ratio of Fidelity National Financial Inc is 0.85 (P/E divided by earnings growth, as of Sep 18, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Fidelity National Financial Inc (FNF)?
Balance-sheet figures for Fidelity National Financial Inc (as of Sep 18, 2026): return on equity 10.5%, debt of 0.59 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is FNF from its 52-week high?
Fidelity National Financial Inc trades at $42.50, about 26% below its 52-week high of $57.78 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $29.08 is for.
Which stocks are comparable to Fidelity National Financial Inc?
From the same area (Financial Services) we also value AXIS Capital Holdings, First American Financial Corporation, Enact Holdings, MGIC Investment Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Fidelity National Financial Inc stock attractive at the current price?
The data as of Sep 18, 2026: price $42.50, calculated fair value $29.08 (−32%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FNF calculated?
We run Fidelity National Financial Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $29.08, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. Fidelity National Financial Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Fidelity National Financial Inc (FNF)?
The closing price on Sep 18, 2026 was $42.50. Our model-based fair value is $29.08, about −32% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fidelity National Financial Inc right now?
The price sits above even our optimistic bull case ($36.34). The favourable scenario is already priced in. Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Fidelity National Financial Inc (FNF) come from?
Earnings per share at Fidelity National Financial Inc grew +5.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.7 %, EBIT margin +0.2 %, tax rate −0.1 %, residual (interest, one-offs) −3.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Fidelity National Financial Inc
How large is the market capitalisation of Fidelity National Financial Inc (FNF)?
The market capitalisation of Fidelity National Financial Inc is $13.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Fidelity National Financial Inc (FNF)?
The price-to-sales ratio of Fidelity National Financial Inc is 0.63 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Fidelity National Financial Inc (FNF)?
Earnings per share at Fidelity National Financial Inc are $2.81 (price ÷ EPS = P/E 15.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Fidelity National Financial Inc (FNF)?
The dividend yield of Fidelity National Financial Inc is 4.8% (payout 72.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Fidelity National Financial Inc (FNF)?
The net margin of Fidelity National Financial Inc is 4.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Fidelity National Financial Inc (FNF)?
The return on equity (ROE) of Fidelity National Financial Inc is 10.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Fidelity National Financial Inc (FNF)?
On an EBIT basis the return on assets of Fidelity National Financial Inc is 2.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Fidelity National Financial Inc (FNF)?
The operating margin of Fidelity National Financial Inc is 19.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fidelity National Financial Inc (FNF)?
Revenue at Fidelity National Financial Inc is growing +16.7% versus a year earlier (3y avg +8.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Fidelity National Financial Inc (FNF)?
Earnings per share at Fidelity National Financial Inc are growing +200% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Fidelity National Financial Inc (FNF) generate?
The free cash flow of Fidelity National Financial Inc is $6.4B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Fidelity National Financial Inc (FNF) carry?
The net debt of Fidelity National Financial Inc is $2.4B (fiscal year 2025, ≈ 0.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Sep 18, 2026