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Fidelity National Financial Inc (FNF)
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Upturn Advisory Summary
01/21/2025: FNF (3-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit 7.67% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance 3.0 | Stock Returns Performance 2.0 |
Profits based on simulation | Last Close 01/21/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 15.88B USD | Price to earnings Ratio 21.11 | 1Y Target Price 67.8 |
Price to earnings Ratio 21.11 | 1Y Target Price 67.8 | ||
Volume (30-day avg) 1012736 | Beta 1.4 | 52 Weeks Range 45.64 - 64.29 | Updated Date 01/20/2025 |
52 Weeks Range 45.64 - 64.29 | Updated Date 01/20/2025 | ||
Dividends yield (FY) 3.45% | Basic EPS (TTM) 2.75 |
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.55% | Operating Margin (TTM) 12.21% |
Management Effectiveness
Return on Assets (TTM) 0.98% | Return on Equity (TTM) 9.93% |
Valuation
Trailing PE 21.11 | Forward PE 12.82 | Enterprise Value 15192019574 | Price to Sales(TTM) 1.17 |
Enterprise Value 15192019574 | Price to Sales(TTM) 1.17 | ||
Enterprise Value to Revenue 1.15 | Enterprise Value to EBITDA - | Shares Outstanding 273639008 | Shares Floating 259656244 |
Shares Outstanding 273639008 | Shares Floating 259656244 | ||
Percent Insiders 5.55 | Percent Institutions 81.08 |
AI Summary
Fidelity National Financial Inc. (FNF): A Comprehensive Overview
Company Profile:
History & Background:
Fidelity National Financial (FNF) is a Fortune 500 company founded in 1984 and headquartered in Jacksonville, Florida. It operates in three core businesses:
- Title Insurance & Escrow: FNF is the largest title insurance underwriter in the US, issuing policies for residential and commercial properties.
- Risk Management Services: This segment provides software and services for the mortgage and real estate industries, including risk mitigation and data analytics solutions.
- Real Estate Services: Through its subsidiary FNC, FNF offers valuation, appraisal, and consulting services for residential and commercial properties.
Leadership & Corporate Structure:
Bill Foley is the Executive Chairman, Mike Nolan serves as President and CEO, and Scott Carmilani is the Chief Financial Officer. The board of directors includes experienced professionals from various industries.
Top Products & Market Share:
- Title Insurance: FNF holds a leading market share of over 30% in the US title insurance market.
- Risk Management Solutions: FNF's software solutions are used by mortgage lenders, servicers, and investors, with a market share exceeding 20%.
- Real Estate Valuation Services: FNC is a leading provider of valuation services, holding a significant market share in the US residential appraisal market.
Total Addressable Market:
The global title insurance market is estimated to be around $50 billion, with the US market representing a significant portion. Additionally, the risk management and real estate valuation services markets are estimated to be worth数十亿美元.
Financial Performance:
FNF has a strong financial track record, with consistent revenue growth and profitability. In 2022, the company reported revenue of $8.4 billion, net income of $776 million, and EPS of $4.64. The company also maintains a healthy cash flow and balance sheet.
Dividends & Shareholder Returns:
FNF has a history of paying dividends, with a current annual dividend yield of around 1.7%. Over the past five years, the company’s total shareholder return has been approximately 150%.
Growth Trajectory:
FNF has experienced significant growth over the past decade, with revenue increasing by over 100%. The company expects to continue growing through organic expansion and strategic acquisitions.
Market Dynamics:
The title insurance industry is driven by factors such as housing market activity, mortgage interest rates, and regulatory changes. FNF is well-positioned to benefit from these trends through its diversified business model and market-leading position.
Competitors:
FNF's main competitors include:
- First American Financial (FAF)
- Stewart Information Services (STC)
- Old Republic International (ORI)
- CoreLogic (CLGX)
While FNF holds the largest market share, the competition is fierce, and these companies offer similar products and services.
Recent Acquisitions:
In the past three years, FNF has acquired several companies, including:
- Simplifile (2021): A leading provider of e-closing solutions for the mortgage industry. This acquisition strengthened FNF's position in the digital mortgage market.
- Doma (2021): A provider of real estate transaction management software. This acquisition expanded FNF's offerings in the real estate services market.
- FNC (2022): A leading provider of valuation services in the US. This acquisition solidified FNF's position as a comprehensive real estate services provider.
AI-Based Fundamental Rating:
Based on an AI-based analysis of FNF's fundamentals, the company receives a rating of 8 out of 10. This rating considers factors such as financial health, market position, and growth prospects. FNF's strong financial performance, market leadership, and growth initiatives are major strengths. However, the company faces challenges such as competition and potential regulatory changes.
Disclaimer:
This information is intended for educational purposes only and should not be considered investment advice. Please consult a financial professional before making any investment decisions.
Sources:
- Fidelity National Financial Inc. website
- SEC filings
- Yahoo Finance
- Bloomberg
- Reuters
About Fidelity National Financial Inc
Exchange NYSE | Headquaters Jacksonville, FL, United States | ||
IPO Launch date 2005-10-14 | CEO - | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 22293 | Website https://www.fnf.com |
Full time employees 22293 | Website https://www.fnf.com |
Fidelity National Financial, Inc., together with its subsidiaries, provides various insurance products in the United States. The company operates through Title, F&G, and Corporate and Other segments. It offers title insurance, escrow, and other title related services, including trust activities, trustee sales guarantees, recordings and reconveyances, and home warranty products. The company 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, it 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, the company engages in the real estate brokerage business. Fidelity National Financial, Inc. was incorporated in 2005 and is headquartered in Jacksonville, Florida.
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