Fidelity National Financial, Inc.
Fidelity National Financial, Inc. Fundamental Analysis
Fidelity National Financial, Inc. (FNF) shows moderate financial fundamentals with a PE ratio of 22.34, profit margin of 4.23%, and ROE of 7.63%. The company generates $14.3B in annual revenue with strong year-over-year growth of 16.34%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 55.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FNF's fundamental strength across five key dimensions:
Efficiency Score
WeakFNF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFNF trades at attractive valuation levels.
Growth Score
ModerateFNF shows steady but slowing expansion.
Financial Health Score
ModerateFNF shows balanced financial health with some risks.
Profitability Score
WeakFNF struggles to sustain strong margins.
Key Financial Metrics
Is FNF Expensive or Cheap?
P/E Ratio
FNF trades at 22.34 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, FNF's PEG of -0.46 indicates potential undervaluation.
Price to Book
The market values Fidelity National Financial, Inc. at 1.81 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.70 times EBITDA. This is generally considered low.
How Well Does FNF Make Money?
Net Profit Margin
For every $100 in sales, Fidelity National Financial, Inc. keeps $4.23 as profit after all expenses.
Operating Margin
Core operations generate 9.81 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.63 in profit for every $100 of shareholder equity.
ROA
Fidelity National Financial, Inc. generates $0.55 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Fidelity National Financial, Inc. generates strong operating cash flow of $6.22B, reflecting robust business health.
Free Cash Flow
Fidelity National Financial, Inc. generates strong free cash flow of $6.07B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $22.39 in free cash annually.
FCF Yield
FNF converts 44.41% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
22.34
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.46
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.81
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.95
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.64
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How FNF Stacks Against Its Sector Peers
| Metric | FNF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 22.34 | 18.91 | Worse (Expensive) |
| ROE | 7.63% | 788.00% | Weak |
| Net Margin | 4.23% | 2164.00% | Weak |
| Debt/Equity | 0.64 | 0.82 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 616.06 | Weak Liquidity |
| ROA | 0.55% | -23806.00% (disorted) | Weak |
FNF outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Fidelity National Financial, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
63.13%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
20.47%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
512.43%
Industry Style: Value, Dividend, Cyclical
High Growth