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Fidelity National Financial, Inc. FNF

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Price alert · FNF

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42.89 USD -0.39 (-0.90%)

At closeNov 5, 2026, 4:04 PM EST

44.00 +1.11 +2.59%

After hours · Nov 5, 4:04 PM ET

42.53 Day range 44.16
38.65 52-week range 57.61
YTD
-21.43%
1 year
-19.36%

Financial health

Altman Z-Score

1.04 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 24.6×
FY 2016: 12.5×FY 2017: 15.5×FY 2018: 13.1×FY 2019: 11.2×FY 2020: 7.5×FY 2021: 5.9×FY 2022: 8.0×FY 2023: 26.7×FY 2024: 12.0×FY 2025: 24.6×
FY 2016 5y median 12.0× FY 2025
P/S 1.0×
FY 2016: 1.1×FY 2017: 1.3×FY 2018: 1.1×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/B 2.0×
FY 2016: 1.4×FY 2017: 2.3×FY 2018: 1.8×FY 2019: 2.2×FY 2020: 1.3×FY 2021: 1.5×FY 2022: 1.7×FY 2023: 2.0×FY 2024: 2.0×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
P/FCF 2.3×
FY 2016: 9.4×FY 2017: 17.4×FY 2018: 9.6×FY 2019: 11.6×FY 2020: 7.3×FY 2021: 3.6×FY 2022: 2.5×FY 2023: 2.2×FY 2024: 2.3×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
EV/EBITDA 6.8×
FY 2016: 6.6×FY 2017: 7.6×FY 2018: 8.0×FY 2019: 7.6×FY 2020: 5.2×FY 2021: 3.4×FY 2022: 5.1×FY 2023: 10.7×FY 2024: 6.1×FY 2025: 6.8×
FY 2016 5y median 6.1× FY 2025
EV/Sales 1.2×
FY 2016: 1.3×FY 2017: 1.3×FY 2018: 1.0×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 1.3×FY 2024: 1.2×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
FCF Yield 43.1%
FY 2016: 10.7%FY 2017: 5.8%FY 2018: 10.4%FY 2019: 8.6%FY 2020: 13.8%FY 2021: 27.7%FY 2022: 40.8%FY 2023: 46.1%FY 2024: 43.8%FY 2025: 43.1%
FY 2016 5y median 43.1% FY 2025

Profitability

Gross Margin 98.2%
FY 2016: 70.3%FY 2017: 69.6%FY 2018: 70.0%FY 2019: 70.5%FY 2020: 63.6%FY 2021: 59.6%FY 2022: 62.3%FY 2023: 49.1%FY 2024: 52.9%FY 2025: 98.2%
FY 2016 5y median 59.6% FY 2025
Operating Margin 9.9%
FY 2016: 13.2%FY 2017: 11.3%FY 2018: 9.9%FY 2019: 16.2%FY 2020: 16.7%FY 2021: 23.6%FY 2022: 15.1%FY 2023: 6.0%FY 2024: 13.0%FY 2025: 9.9%
FY 2016 5y median 13.0% FY 2025
Net Margin 4.2%
FY 2016: 9.0%FY 2017: 10.1%FY 2018: 8.3%FY 2019: 12.5%FY 2020: 13.3%FY 2021: 18.6%FY 2022: 11.3%FY 2023: 4.5%FY 2024: 9.5%FY 2025: 4.2%
FY 2016 5y median 9.5% FY 2025
ROE 8.1%
FY 2016: 10.8%FY 2017: 17.3%FY 2018: 13.6%FY 2019: 19.7%FY 2020: 17.1%FY 2021: 29.7%FY 2022: 21.2%FY 2023: 7.5%FY 2024: 16.4%FY 2025: 8.1%
FY 2016 5y median 16.4% FY 2025
ROIC 0.8%
FY 2016: 11.5%FY 2017: 11.1%FY 2018: 5.6%FY 2019: 8.4%FY 2020: 0.0%FY 2021: 3.5%FY 2022: 2.3%FY 2023: 0.5%FY 2024: 1.7%FY 2025: 0.8%
FY 2016 5y median 1.7% FY 2025
ROA 0.6%
FY 2016: 3.0%FY 2017: 5.7%FY 2018: 7.0%FY 2019: 9.9%FY 2020: 2.8%FY 2021: 4.6%FY 2022: 2.0%FY 2023: 0.6%FY 2024: 1.3%FY 2025: 0.6%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 8.6%
FY 2016: 8.9%FY 2017: 5.6%FY 2018: -0.9%FY 2019: 11.5%FY 2020: 26.4%FY 2021: 40.8%FY 2022: -24.0%FY 2023: 0.6%FY 2024: 15.9%FY 2025: 8.6%
FY 2016 FY 2025
Operating Income -17.8%
FY 2016: 24.0%FY 2017: -9.5%FY 2018: -13.2%FY 2019: 82.5%FY 2020: 30.3%FY 2021: 99.4%FY 2022: -51.4%FY 2023: -59.9%FY 2024: 151.4%FY 2025: -17.8%
FY 2016 FY 2025
EPS (diluted) -52.5%
FY 2016: 27.2%FY 2017: 24.0%FY 2018: -5.0%FY 2019: 69.5%FY 2020: 30.3%FY 2021: 69.1%FY 2022: -44.7%FY 2023: -59.1%FY 2024: 143.5%FY 2025: -52.5%
FY 2016 FY 2025
Free Cash Flow -4.4%
FY 2016: 29.0%FY 2017: -32.6%FY 2018: 46.3%FY 2019: 19.2%FY 2020: 43.2%FY 2021: 169.7%FY 2022: 6.5%FY 2023: 50.5%FY 2024: 5.1%FY 2025: -4.4%
FY 2016 FY 2025

Financial Health

Current Ratio 2.4×
FY 2016: 0.3×FY 2017: 15.4×FY 2018: 116×FY 2019: 97.8×FY 2020: 0.0×FY 2021: 5.7×FY 2022: 3.4×FY 2023: 0.0×FY 2024: 2.8×FY 2025: 2.4×
FY 2016 5y median 2.8× FY 2025
Quick Ratio 2.4×
FY 2016: 4.5×FY 2017: 42.0×FY 2018: 184×FY 2019: 165×FY 2020: 0.0×FY 2021: 6.5×FY 2022: 3.4×FY 2023: 0.0×FY 2024: 2.8×FY 2025: 2.4×
FY 2016 5y median 2.8× FY 2025
Debt / Equity 0.6×
FY 2016: 0.5×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 1.0×
FY 2016: 1.0×FY 2017: -0.3×FY 2018: -0.4×FY 2019: 0.2×FY 2020: 0.3×FY 2021: -0.1×FY 2022: 0.7×FY 2023: 1.2×FY 2024: 0.5×FY 2025: 1.0×
FY 2016 5y median 0.7× FY 2025
Interest Coverage 5.9×
FY 2016: 14.9×FY 2017: 18.0×FY 2018: 17.4×FY 2019: 29.1×FY 2020: 19.8×FY 2021: 31.2×FY 2022: 15.0×FY 2023: 4.0×FY 2024: 8.3×FY 2025: 5.9×
FY 2016 5y median 8.3× FY 2025

Dividends

Dividend Yield 3.7%
FY 2016: 2.9%FY 2017: 2.7%FY 2018: 4.0%FY 2019: 2.9%FY 2020: 3.6%FY 2021: 3.1%FY 2022: 4.7%FY 2023: 3.6%FY 2024: 3.5%FY 2025: 3.7%
FY 2016 5y median 3.6% FY 2025
Payout Ratio 90.7%
FY 2016: 36.8%FY 2017: 36.1%FY 2018: 52.2%FY 2019: 32.4%FY 2020: 27.3%FY 2021: 15.9%FY 2022: 37.8%FY 2023: 96.7%FY 2024: 41.9%FY 2025: 90.7%
FY 2016 5y median 41.9% FY 2025

Annual · latest fiscal year ends 2025-12-31