Stocks · Financial Services · Insurance - Specialty
Fidelity National Financial, Inc. FNF
$39.26 +0.38% Close, Oct 2, 2026 · NYSE · Market cap $10.57B
High qualityWeak trendInexpensive vs sector
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
- Diluted EPS over the last four quarters was $2.88, down 26.9% year over year.
- Over the past year the stock returned -34.9%, behind the S&P 500 by 50.0 percentage points.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth19Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 29%
- EPS growth (TTM, YoY)Bottom 18%
- FCF growth (TTM, YoY)Bottom 24%
- Revenue growth, 3-year CAGRBottom 25%
- Revenue growth accelerationBottom 44%
Quality87Strong
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 48%
- Gross marginTop 20%
- Operating marginBottom 28%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 16%
- Net debt / EBITDA (lower is better)Top 37%
- Interest coverTop 15%
Value93Exceptional
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 44%
- Free-cash-flow yieldTop 5%
- EBITDA / enterprise valueTop 5%
- Sales / enterprise valueTop 8%
- P/E vs own 5-year history (lower is better)Top 36%
Momentum5Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 9%
- 6-month returnBottom 8%
- 1-year return vs S&P 500Bottom 8%
- Distance from 52-week highBottom 13%
- Trend checklist (0–4)Bottom 9%
Revisions71Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 25%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 10%
- Upside to consensus price targetTop 14%
Stability37Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 25%
- Maximum drawdown, 3 yearsBottom 24%
- Beta vs S&P 500 (lower is better)Top 40%
- Net debt / EBITDA (lower is better)Top 37%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 15.8% | 14.9% | ↓ |
| EPS growth (YoY) | -30.2% | -26.9% | ↑ |
| Gross margin | 53.0% | 77.9% | ↑ |
| Operating margin | 10.9% | 13.0% | ↑ |
| FCF margin | 50.6% | 37.9% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 14.9% | 15.8% | ↓ | Top 29% |
| EPS growth (TTM, YoY) | -26.9% | -30.2% | ↑ | Bottom 18% |
| Gross margin | 77.9% | 53.0% | ↑ | Top 20% |
| Operating margin | 13.0% | 10.9% | ↑ | Bottom 28% |
| Net margin | 5.1% | 8.1% | ↓ | — |
| Free-cash-flow margin | 37.9% | 50.6% | ↓ | — |
| Return on invested capital | 1.2% | — | Bottom 48% | |
| Revenue growth, 3-year CAGR | 8.2% | — | Bottom 25% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -4.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +16.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.37×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 8.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 5.23%
- Net buyback yield (TTM)
- 2.36%
- Shareholder yield
- 7.59%
- Share count change, 1 year
- -2.2%
- Share count change, 3-year CAGR
- -0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -1.2%
- Average 2-day reaction, last 8
- -0.5%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $56.00
- Target vs current price
- +42.6%
- Analysts with a rating
- 17
- Share rating Buy or Strong Buy
- 82%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +6.1% | -0.8% | -7.6% | -10.6% | — |
| May 6, 2026 | -14.7% | +0.2% | -7.0% | -11.3% | +0.8% |
| Feb 19, 2026 | -6.6% | -3.3% | -8.1% | -15.0% | -14.8% |
| Nov 6, 2025 | +10.6% | -1.1% | +6.1% | +5.8% | -1.1% |
| Aug 6, 2025 | -15.3% | +0.1% | +3.2% | +2.8% | -5.4% |
| May 7, 2025 | -29.1% | +0.1% | -10.8% | -15.8% | -12.0% |
| Feb 20, 2025 | +8.9% | -1.4% | +5.3% | +9.9% | -1.4% |
| Nov 6, 2024 | -6.5% | +2.4% | +2.6% | +4.6% | -3.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $1.39 | $1.31 | +6.1% | $4.05B |
| May 6, 2026 | $0.93 | $1.09 | -14.7% | $3.23B |
| Feb 19, 2026 | $1.41 | $1.51 | -6.6% | $4.05B |
| Nov 6, 2025 | $1.57 | $1.42 | +10.6% | $3.94B |
| Aug 6, 2025 | $1.16 | $1.37 | -15.3% | $3.63B |
| May 7, 2025 | $0.78 | $1.10 | -29.1% | $718.0M |
| Feb 20, 2025 | $1.34 | $1.23 | +8.9% | $3.53B |
| Nov 6, 2024 | $1.30 | $1.39 | -6.5% | $3.52B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.6× | 14.7× | 38th | Top 44% |
| P/E (forward) | 7.6× | — | — | — |
| EV / EBITDA | 3.8× | — | — | Top 5% |
| EV / Sales | 0.77× | — | — | Top 8% |
| Free-cash-flow yield | 54.81% | — | — | Top 5% |
| Earnings yield | 7.34% | — | — | Top 44% |
P/E over the past five years
Range 4.9× – 26.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -34.9%
- Earnings per share growth (TTM)
- -26.9%
- Change in P/E multiple
- +24.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -5.5%
- 200-day average slope (20 days)
- -3.1%
- Distance from 50-day average
- -15.6%
- Distance from 200-day average
- -20.7%
- RSI (14)
- 25.0
- Relative volume
- 0.72×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 31.9%
- Volatility vs own 5-year history
- 88th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.60
- Correlation with S&P 500
- 0.34
- Current drawdown from 1-year high
- -34.5%
- Maximum drawdown, 3 years
- -42.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 2, 2025 | Sep 30, 2026 | -42.0% | 375 days | Not yet recovered |
| Jan 14, 2022 | Mar 17, 2023 | -40.2% | 293 days | 333 days (Jul 16, 2024) |
| Nov 25, 2024 | Jan 10, 2025 | -15.0% | 30 days | 33 days (Feb 28, 2025) |
| Jun 8, 2021 | Jul 8, 2021 | -11.7% | 21 days | 23 days (Aug 10, 2021) |
| Oct 12, 2020 | Oct 28, 2020 | -10.8% | 12 days | 5 days (Nov 4, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $10.57B
- P/E (TTM)
- 13.6
- EPS, diluted (TTM)
- $2.88
- Revenue (TTM)
- $15.28B
- Dividend yield
- 5.30%
- 52-week range
- $38.06 – $60.37
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $15.07B | $11.46B | $11.52B | $13.36B | $14.51B |
| Gross profit | $8.97B | $7.14B | $5.66B | $7.07B | $14.24B |
| Operating income | $3.56B | $1.73B | $693.0M | $1.74B | $1.43B |
| Net income | $2.80B | $1.29B | $517.0M | $1.27B | $602.0M |
| EPS (diluted) | $8.44 | $4.67 | $1.91 | $4.65 | $2.21 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.52B | $3.53B | $2.67B | $3.58B | $3.94B | $4.07B | $3.22B | $4.05B |
| Net income | $266.0M | $450.0M | $83.0M | $278.0M | $358.0M | -$117.0M | $243.0M | $288.0M |
| EPS (diluted) | $0.97 | $1.65 | $0.30 | $1.02 | $1.33 | -$0.43 | $0.90 | $1.08 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $4.09B | $4.36B | $6.48B | $6.82B | $6.52B |
| Capital expenditure | -$131.0M | -$138.0M | -$132.0M | -$146.0M | -$147.0M |
| Free cash flow | $3.96B | $4.22B | $6.35B | $6.67B | $6.38B |
| Dividends paid | -$446.0M | -$489.0M | -$500.0M | -$532.0M | -$546.0M |
| Net share buybacks | -$463.0M | -$553.0M | -$24.0M | -$34.0M | -$285.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $57.85B
- Total assets
- $114.53B
- Total liabilities
- $105.72B
- Total debt
- $4.74B
- Net debt
- $1.16B
- Shareholders’ equity
- $7.45B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 16, 2026 | $0.52 | Sep 30, 2026 |
| Jun 16, 2026 | $0.52 | Jun 30, 2026 |
| Mar 17, 2026 | $0.52 | Mar 31, 2026 |
| Dec 17, 2025 | $0.52 | Dec 31, 2025 |
| Sep 16, 2025 | $0.50 | Sep 30, 2025 |
| Jun 16, 2025 | $0.50 | Jun 30, 2025 |
| Mar 17, 2025 | $0.50 | Mar 31, 2025 |
| Dec 17, 2024 | $0.50 | Dec 31, 2024 |
Short interest
- Shares sold short
- 10,433,345
- Days to cover
- 4.06
- Change vs previous report
- +13.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 17, 2025
- 1,037-for-1,000
- Dec 1, 2022
- 26-for-25
- Oct 2, 2017
- 277-for-200
- Jul 1, 2014
- 152-for-125