FNF

Based on Fidelity National Financial, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Fidelity National Financial do?

Fidelity National Financial provides title insurance, escrow, and settlement services for real estate transactions across the United States. Through its F&G subsidiary, it also sells annuity and life insurance products. The company additionally offers technology services to mortgage lenders and participates in real estate brokerage.

Does FNF pay dividends?

Yes, FNF pays a regular dividend. The company's combination of title insurance and annuity revenues supports ongoing shareholder distributions. Income investors should note that dividend sustainability is partly tied to housing market activity and interest rate conditions.

When does FNF report earnings?

FNF reports on a quarterly cadence, as is standard for US-listed financial services companies. For the exact schedule and most recent results, check Fidelity National Financial's investor relations page.

Is FNF a good stock to buy?

UQS Score rates FNF as Good overall. The Valuation pillar is Attractive, which may appeal to value-oriented investors. However, the Risk pillar is Weak, reflecting meaningful sensitivity to mortgage rate and housing market cycles. The full pillar breakdown is available to UQS Pro members.

Is FNF overvalued?

Based on the UQS Valuation pillar, FNF currently screens as Attractive relative to its fundamentals — suggesting the stock is not obviously overpriced. That said, valuation assessments should always be considered alongside the company's risk profile and sector dynamics.

How does FNF compare to its competitors?

FNF is among the largest players in US title insurance, competing most directly with First American Financial. Its F&G annuity segment differentiates it from pure-play title insurers, providing some revenue diversification that peers like FAF do not have at the same scale.

What is FNF's market cap bracket?

FNF is classified as a large-cap company, placing it among the more substantial publicly traded financial services firms in the United States.

Who founded Fidelity National Financial?

Fidelity National Financial has roots tracing back to 1847 in the title insurance industry. The modern corporate entity has evolved significantly through acquisitions and restructuring over the decades. Full founding history is publicly available through the company's official disclosures.

Is FNF a long-term quality investment?

As a long-term quality indicator, FNF's Good UQS Score reflects a business with structural advantages in title insurance but meaningful cyclical risk. The Neutral ratings across Quality, Moat, and Growth pillars suggest a stable rather than compounding-quality profile. Long-term holders should monitor housing market trends and the F&G segment's growth trajectory.

What is FNF's main competitive advantage?

FNF's scale in title insurance creates operational advantages — national distribution, established lender relationships, and brand recognition in a market where trust and reliability matter. The addition of the F&G annuity business adds a second revenue engine that is less correlated to real estate transaction volumes.

What sector does FNF belong to?

FNF operates in the Financial Services sector, specifically within insurance. Its business spans title insurance, annuities, life insurance, and real estate-related technology services, making it a diversified specialty insurer rather than a traditional property-casualty or health insurer.

Fidelity National Financial, Inc. has average quality metrics, with room for improvement in margins or capital efficiency.

Fidelity National Financial, Inc. shows steady but unspectacular growth, typical for mature companies.

Fidelity National Financial, Inc. has some risk factors including moderate leverage or solvency concerns.

Fidelity National Financial, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Fidelity National Financial, Inc. has meaningful competitive advantages that should protect its market position. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FNF.

The UQS (Unified Quality Score) for Fidelity National Financial, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Fidelity National Financial, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Fidelity National Financial, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.