Fidelity National Financial stock
FNFNYSEFidelity National Financial, Inc., Financial ServicesISIN US31620R3030
65Score 65 out of 100, Neutral
Price and trend
60 / 100
Price history
−25% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 7.2% below it.
Since October 2025 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 63).
The price is 26% below its 52-week high. Largest decline in 20 years: 75% (June 2007 to November 2008).
Chart figures for advanced users
- SMA 50$41.67
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$47.58
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)63
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$38.65
- The lowest closing price of the last twelve months.
- Resistance$59.54
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Fidelity National Financial, Inc. belongs to the Insurance (Specialty) industry (United States) and, with a market value of $11.84B, is the largest of 13 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $14.51B (up 8.6% year on year) and earnings of $602M (down 52.6%).
- MEQIRI Score 65 out of 100 (Neutral): rank 598 of 976 in Financial Services, median 68.
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- Our model puts fair value at $69.29, with the price 36% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Below fair valuePrice 36% below the fair value of $69.29.Valuation 93
- Reliable dividendNo dividend cut for 15 years.Capital allocation 84
- High dividend yieldDividend yield 4.71%, Insurance (Specialty) median 2.48%.Capital allocation 84
Weaknesses
- Margin fallingOperating margin 9.9%, average of the prior years 15.1% (to 2024).Profitability 67
- Earnings per share fallingDown 15.1% a year since 2020.Growth 32
Its standout strengths are valuation and fundamentals, while momentum and growth hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $53.30 and expensive above $98.98 (uncertainty medium, based on the price swings of the past year).
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $57.74, at 7.8% it would be $86.61.
Valuation metrics
From the excess return model alone; the profit includes one-off items, so there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 8.8% on the twelve months before. Revenue has stayed largely stable since 2006.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 10%, net 4%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 18 Feb 2027in 98 days
- Last reported
- 5 Nov 2026EPS reported $1.32 (expected $1.32)in line with expectations
Analyst estimates
- Earnings per share
- $4.95−2.2%
- Revenue
- $14.76B−1.0%
- Earnings per share
- $5.35−3.5%
- Revenue
- $14.95B−2.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook mixed
Share price after the results: −1.8%Commercial momentum is expected to continue, but the company stays cautious on residential activity and expects modest title margin compression in the second half.
“Looking ahead, we expect commercial momentum to continue, but remain cautious on residential purchase and refinance activity for the remainder of the year.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 6 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. One insider sold, $3.16M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Sadowski Peter TSale
26 Jun 2026, EVP, Chief Legal Officer
- Shares
- 69,196
- Price
- $45.70
- Value
- $3.16M
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Fidelity National Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 65
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Specialty)
The next smaller companies by market value
- First American FinancialFAF $6.84B66
- Enact HoldingsACT $6.21B72
- Essent GroupESNT $5.75B71
- MGIC InvestmentMTG $5.54B73
- Radian GroupRDN $4.71B75
- Assured GuarantyAGO $3.24B57
- NMI HoldingsNMIH $2.94B72
- CofaceCOFA.PA $2.69B70
ETFs that hold Fidelity National Financial
Held by 74 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares Dow Jones U.S. Select Dividend UCITS ETF (DE)EXX5 | 0.99% | 0.31% | €415.03M |
| iShares STOXX Global Select Dividend 100 UCITS ETF (DE)ISPA | 0.66% | 0.46% | €5.31B |
| Fidelity US Quality Income UCITS ETF INC-USDFUSD | 0.48% | 0.25% | €1.89B |
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| State Street SPDR S&P 400 U.S. Mid Cap UCITS ETF (Acc)SPY4 | 0.33% | 0.30% | €5.27B |
| iShares MSCI USA Mid-Cap Equal Weight UCITS ETFQDVC | 0.29% | 0.20% | €268.74M |
| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.26% | 0.29% | €182.46M |
| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.23% | 0.35% | €204.34M |
| Fidelity Global Quality Income UCITS ETF INC-USDFGEQ | 0.22% | 0.40% | €1.03B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 10 Apr 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.