US · FNF
Fidelity National Financial, Inc.
- Sector
- Financial Services · Insurance - Specialty
- Headquarters
- Jacksonville, FL 32204
- Website
- fnf.com
Price · as of 2025-12-31
$51.63
Market cap 14.35B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $118.92 | +130.33% |
| Intrinsic Value(DCF) | $68.84 | +33.33% |
| Graham-Dodd Method(GD) | $19.05 | -63.11% |
| Graham Formula(GF) | $35.48 | -31.27% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $6.23 | $27.83 | $0.00 | $11.29 | $0.00 |
| 2012 | $9.03 | $42.57 | $340.31 | $17.84 | $124.68 |
| 2013 | $12.12 | $50.97 | $417.68 | $9.67 | $32.94 |
| 2014 | $17.12 | $36.26 | $356.45 | $6.67 | $32.59 |
| 2015 | $15.22 | $31.11 | $13.67 | $0.21 | $0.00 |
| 2016 | $18.24 | $37.54 | $14.18 | $1.76 | $31.75 |
| 2017 | $26.58 | $48.02 | $13.00 | $5.11 | $38.37 |
| 2018 | $25.08 | $51.33 | $11.85 | $0.45 | $16.50 |
| 2019 | $31.63 | $62.93 | $14.98 | $10.28 | $74.79 |
| 2020 | $31.87 | $59.99 | $39.33 | $18.16 | $167.74 |
| 2021 | $37.06 | $68.30 | $1,566.04 | $42.70 | $462.80 |
| 2022 | $30.26 | $46.37 | $61.07 | $2.21 | $0.00 |
| 2023 | $45.29 | $50.76 | $7.28 | $0.00 | $16.67 |
| 2024 | $58.64 | $66.16 | $13.89 | $3.15 | $109.82 |
| 2025 | $51.66 | $118.92 | $9.33 | $19.05 | $35.48 |
AI valuation
Our deep-learning model estimates Fidelity National Financial, Inc.'s (FNF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $118.92
- Current price
- $51.63
- AI upside
- +130.33%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$68.84
+33.33% upside
Graham-Dodd
$19.05
-63.11% upside
Graham Formula
$35.48
-31.27% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FNF | Fidelity National Financi… | $51.63 | 14.35B | +130% | +33% | -63% | -31% | 23.26 | 1.89 | 0.97 | -23.18 | — | 8.10 | 98.19% | 9.91% | 4.17% | 7.93% | -2.12% | 0.59% | 0.59 | 5.92 | — | — | -42.67 | -5247.00% | 816.00% | -9988.00% | 0.06% | — | -0.03% | 0.00% | 0.00% | 519.48% | -27.09 | -4849.64 | -2.69 | 1.16 |
| AIZ | Assurant, Inc. | $229.59 | 11.5B | -41% | -34% | -56% | +17% | 13.51 | 2.01 | 0.92 | 2.48 | 66.66 | -1.69 | 77.15% | 8.49% | 6.81% | 15.90% | 260.78% | 2.45% | 0.38 | 9.91 | 0.50 | 0.52 | 0.26 | 2026.00% | 789.00% | 4382.00% | 13.56% | 0.08 | 477.63% | 1.43% | 19.30% | 4.01% | 3.29 | 2.24 | 0.28 | 0.47 |
| ARCC | Ares Capital Corporation | $18.62 | 13.37B | +77% | -59% | +29% | +294% | 9.38 | 0.93 | 4.22 | 12.93 | — | 0.93 | 75.68% | 69.67% | 41.30% | 10.23% | 7.29% | 4.76% | 1.12 | 3.40 | 1.71 | 1.71 | 6.88 | -2377.00% | 3287.00% | -1092.00% | 8.61% | 1.28 | 4.09% | 2.02% | 18.90% | 2.02% | 12.93 | 24.81 | 9.01 | 0.87 |
| BNT | Brookfield Wealth Solutio… | $44.41 | 13.67B | +23% | +2,057% | +129% | +1,643% | 4.77 | 0.49 | 0.42 | -10.40 | 16.52 | 0.61 | 20.44% | 8.46% | 8.47% | 11.92% | -9.33% | 1.24% | 0.37 | 3.35 | — | — | -4.33 | 2888.00% | 10620.00% | 23010.00% | 76.10% | — | -34.85% | 0.00% | 0.00% | 120.17% | -15.26 | -4.09 | -1.29 | 0.18 |
| BSAC | Banco Santander-Chile | $33.91 | 15.98B | -18% | -27% | -35% | — | 14.17 | 3.16 | 6.47 | — | 60.57 | 3.23 | 100.00% | 59.43% | 45.67% | 21.12% | 9.04% | 1.54% | 2.18 | — | — | — | — | 2340.00% | -5297.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 8.76% | 16.95 | — | 10.07 | 0.29 |
| CNA | CNA Financial Corporation | $48.02 | 13B | -25% | -32% | -83% | +29% | 10.52 | 1.16 | 0.91 | 7.49 | 31.64 | 1.28 | 30.73% | 11.01% | 8.69% | 11.55% | 12.16% | 1.88% | 0.26 | 12.00 | — | — | 1.40 | 3324.00% | 510.00% | -291.00% | 17.89% | — | 22.87% | 7.79% | 81.90% | 8.04% | 8.44 | 5.69 | 0.93 | 0.68 |
| EQH | Equitable Holdings, Inc. | $40.22 | 11.52B | +117% | -60% | — | — | -8.75 | -163.11 | 1.03 | 120.56 | — | -2.24 | 79.14% | -10.23% | -11.83% | -182.66% | 1.36% | -0.45% | -61.78 | -5.33 | 25.50 | 111.88 | 133.02 | -22778.00% | -621.00% | 7199.00% | 21.16% | 1.83 | -3.36% | 0.00% | 0.00% | 1066.37% | 97.92 | -45.74 | -10.01 | 0.21 |
| ERIE | Erie Indemnity Company | $269.44 | 12.45B | -18% | -40% | -90% | -33% | 22.21 | 5.44 | 3.05 | 15.29 | — | 5.44 | 15.76% | 17.69% | 13.75% | 26.19% | 31.65% | 17.92% | 0.00 | — | 1.27 | 1.18 | -0.44 | -749.00% | 717.00% | 1738.00% | 4.60% | 0.73 | 31.91% | 2.05% | 45.50% | 2.68% | 16.74 | 21.09 | 2.96 | 10.41 |
| EWBC | East West Bancorp, Inc. | $109.45 | 15.06B | -53% | +15% | -34% | +10% | 11.58 | 1.72 | 3.27 | 0.61 | 81.03 | 1.82 | 60.10% | 37.44% | 28.27% | 15.94% | 341.69% | 1.69% | 0.37 | 1.01 | 0.43 | 0.43 | -0.44 | 1429.00% | 463.00% | -4795.00% | 4.79% | 0.02 | 186.23% | 2.18% | 25.20% | 2.93% | 0.70 | 1.68 | 0.26 | -0.08 |
| MET | MetLife, Inc. | $72.07 | 47.49B | +5% | -2% | -26% | +26% | 14.41 | 1.71 | 0.63 | 8.04 | — | 2.59 | 36.36% | 6.05% | 4.38% | 12.10% | -23.70% | 0.48% | 0.68 | 4.39 | — | — | -0.47 | -1919.00% | 1022.00% | -8121.00% | 5.83% | — | -19.78% | 0.00% | 0.00% | 2.77% | 9.87 | 16.20 | 0.60 | 0.38 |
| RGA | Reinsurance Group of Amer… | $215.73 | 14.18B | -21% | +236% | +11% | -6% | 12.13 | 1.07 | 0.63 | 8.15 | 18.70 | 1.07 | 25.40% | 6.76% | 5.19% | 9.74% | 8.64% | 0.86% | 0.42 | 4.21 | — | — | 0.79 | 6486.00% | 339.00% | -5634.00% | 28.53% | — | 29.71% | 1.67% | 20.30% | 4.10% | 10.31 | 3.88 | 0.70 | 0.40 |
About Fidelity National Financial, Inc.
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 insurance. 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 annuities that include fixed indexed, fixed rate, and immediate annuities, as well as indexed universal life insurance products. Further, the company engages in the real estate brokerage business. Fidelity National Financial, Inc. was founded in 1847 and is headquartered in Jacksonville, Florida.
- CEO
- Michael Joseph Nolan
- Employees
- 23.53K
- Beta
- 1.03
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($68.84 ÷ $51.63) − 1 = +33.33% (DCF, example).