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Fidelity National Financial, Inc. (FNF) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Fidelity National Financial, Inc.

FNFMarket cap $10BPrice $39.1

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Dominates U.S. title insurance, insuring roughly one in three real estate transactions nationwide. Makes money betting nothing goes wrong with property titles, collecting premiums once and paying claims rarely — a rare "sell once, profit forever" insurance model.

In Bastion Portfolios?

52W Return-25%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+8%6

Revenue Forecast

Rev CAGR (1y)+3%3

Rev CAGR (3y)+4%3

Rev CAGR (5y)+3%3

Earnings Forecast

EPS Growth Y+1+123%10

EPS Growth Y+2+2%4

EPS Growth Y+3+11%7

Quality

Margins

EBIT Margin14%6

Net Income Margin5%4

Free Cash Flow Margin35%9

Debt

Net Debt/EBITDA0.76

Efficiency

ROE10%5

ROA1%3

Earnings Stability44

GEAR+AVERAGE63

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)810

P/E Ratio (Forward 3y)79

P/BV1.48

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%8

Dividend Yield5.3%10

Momentum

Short term

1 month return-14%1

3 month return-20%2

YTD return-26%2

Mid term

Price vs 52wHigh69%3

1 year return-25%2

Long term

3 year return+16%4

5 year return+10%4

Risk Shield

Price Risk

Beta0.67

Volatility28%8

Free Cash Flow

Free Cash Flow Margin35%9

Free Cash Flow Yield0.0%8

Quality

ROCE3%3

Earnings Stability44

Net Debt/EBITDA0.76

02Growth

Is it actually growing, and how fast?

FNFFidelity National Financial

Revenue FY25$14.5B

GROWTH RATING↗

WEAK28 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%6

Revenue, next 1Y+3%3

Revenue, next 3Y, CAGR+4%3

Revenue, next 5Y, CAGR+3%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+123%10

EPS growth, FY27E+2%4

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 11%/yr vs revenue 4%/yr), so margins should widen.

WATCH

Revenue grew 8%/yr over the last 3 years; forecasts see it cooling to 4%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 72% of companies worldwide.

Revenue is set to grow 4%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 3%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Margin Expander

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK10 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-14%1

3-month return-20%2

YTD return-26%2

MID & LONG-TERM▾SCORE

% of 52-week high69%3

1-year return-25%2

3-year return+16%4

5-year return+10%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+16% over three years and +10% over five), roughly average for the market.

WEAKNESSES

It's down 25% over the past year, now 31% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-14%), over three months (-20%) and so far this year (-26%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Fidelity Natl. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

FNFFidelity National Financial

Revenue FY25$14.5B

GROWTH RATING↗

WEAK28 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%6

Revenue, next 1Y+3%3

Revenue, next 3Y, CAGR+4%3

Revenue, next 5Y, CAGR+3%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+123%10

EPS growth, FY27E+2%4

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 11%/yr vs revenue 4%/yr), so margins should widen.

WATCH

Revenue grew 8%/yr over the last 3 years; forecasts see it cooling to 4%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 72% of companies worldwide.

Revenue is set to grow 4%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 3%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Margin Expander

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK10 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-14%1

3-month return-20%2

YTD return-26%2

MID & LONG-TERM▾SCORE

% of 52-week high69%3

1-year return-25%2

3-year return+16%4

5-year return+10%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+16% over three years and +10% over five), roughly average for the market.

WEAKNESSES

It's down 25% over the past year, now 31% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-14%), over three months (-20%) and so far this year (-26%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Fidelity Natl. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community