Nov 6
FNF · Fidelity National Financial, Inc.
$43.41
+0.31 (+0.72%)
At close · Nov 13
Return incl. dividend (before tax)
Market Cap
$11.64B
Shares
268.19M
Volume · Nov 13
2.47M
Avg daily vol (3M)
2.57M
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Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$43.41
Open$44.34
Day$43.00–44.34
Since split$38.65–57.61
Avg vol 30d2.7M
Short int12.2M · 4.5% of shares · 4.8d
Short vol76%
Last earningsNov 6, 2026
DataJan 2020–Nov 2026
Filing10-Q · Nov 6
The closing range begins at the captured split on Dec 17, 2025.
Up next
Feb 19, 2027
Est · unconfirmed
· in 14 wks
Latest documents
2026
Nov 6
Quarterly report
10-Q
FY2026 Q3, ended Sep 30
Nine-month net earnings rose $680 million
Fidelity National Financial, Inc. reported net earnings of $1,445 million for the nine months ended September 30, 2026, up $680 million, as total revenues increased $461 million to $10,855 million.
Revenue $3.58B
▼ 11.2%
Net income $633M
▲ 76.8%
Diluted EPS $2.37
▲ 78.2%
Nov 5
Current report
8-K
Net earnings surge while adjusted earnings decline
Fidelity National Financial, Inc. reported third-quarter 2026 net earnings of $633 million, versus $358 million in 2025, while adjusted net earnings declined to $352 million from $439 million.
Sep 16
Sep 15
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$14.91B
Trailing 12 months
Net income (TTM)
$1.05B
Trailing 12 months
Revenue growth YoY
-11.2%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
11.1
Trailing earnings · reciprocal yield 9.0%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$1.52B
Latest balance sheet
Dividend yield
4.8%
Trailing 12 months
Shares change YoY
-1.1%
Year over year · fewer shares
Price change (1Y)
—
Trailing year
Short interest
4.5%
Latest settlement · 4.8 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
AI Brief
Q2 FY26 earnings call · Aug 6, 2026
Q2 FY26
TL;DR. FNF reported Q2 2026 adjusted EPS of $1.39 (up from $1.16) with Title adjusted pre-tax margin expanding 230 bps to an industry-leading 17.8%, driven by 33% growth in Title adjusted pre-tax earnings and 32% commercial revenue growth, though management expects modest Title margin compression in H2 2026 from front-loaded recruiting and tuck-in acquisition costs, while F&G adjusted net earnings declined to $65M from $89M on a lower ownership stake.
Bullish
- + Title adjusted pre-tax earnings grew 33% to $448M with adjusted pre-tax title margin expanding 230 bps to an industry-leading 17.8%
- + Commercial revenue grew 32% to $440M with direct commercial revenue of $778M in H1 2026 up 24% Y/Y, positioning for a potentially record year
- + F&G AUM before reinsurance reached a record $74.7 billion, up 8% Y/Y, with core retail sales of $1.8 billion one of its strongest quarters on record
- + Consolidated adjusted net earnings grew to $370M ($1.39/share) from $318M ($1.16/share), with H1 capital returns of ~$417M to shareholders
Bearish
- − F&G adjusted net earnings fell to $65M from $89M due in part to a reduced ~72% ownership stake (vs. ~82% prior year)
- − F&G net loss attributable to common shareholders of $55M reflected unfavorable mark-to-market movement vs. $33M net earnings prior year
- − Residential purchase market remains at historically low ~$4M annual pace with management cautious on residential activity for the remainder of 2026
- − F&G alternative investment income of $35M (Q2) and $66M (H1) trailed management's long-term expected return of ~12%
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Buy
Momentum
Weak
Sentiment
Bearish
Fundamentals
Weak
Quant / Vol
Moderate
Market backdrop
VIX 19.3 · elevated
Equity put/call 0.63
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−9%
below
Price vs 50-day avg
+5%
above
RSI (14)
57
neutral
MACD trend
Positive
52-week position
25%
mid-range
Momentum
relative strength
1-month return
+8%
trailing
6-month return
−10%
trailing
YTD return
−20%
this year
Relative strength
−11%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $42 › 200d $47 — 200d above 50d
Institutional flow
Distributing
632 of 721 funds reported for Sep 30 · net -6.8M sh shares · +48 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
4.55% of shares out · ▲ +1.9% MoM · 4.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
721 holders — mid 3-yr range
Squeeze score
59
elevated · 0–100
Fundamentals
Revenue growth
+6%
Y/Y
EPS growth
−52%
Y/Y
Free cash flow
$5.6B
Valuation
P/E 11.1
rich
Balance sheet
$1.8B
net debt
Quant / Vol
risk profile
Volatility
28%
annualized · 1-yr
Max drawdown
−33%
past year
ATR
3.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Aug 6, 2026
next 12 months
Interest and investment income
$95M – $100M
Common and preferred dividend income from F&G to the corporate s
$28M
ongoing
Title claims provision
4.5%
back half of the year
Regulatory dividends
$200M
For the next 12 months
Interest and investment income in the title and corporate segmen
$95M – $100M
Previous outlook
earlier release
· from the Earnings Call filed May 7, 2026
Still-open targets the latest release did not restate under the same label.
Interest and investment income in the title and corporate segmen
· remainder of 2026
$90M – $95M
Common and preferred dividend income from F&G to the corporate s
· remainder of 2026
$28M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−9%
Bearish
Price vs 50-day avg
+5%
Bullish
RSI (14)
57
Neutral
MACD trend
Positive
Bullish
52-week position
25%
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $42 › 200d $47 — 200d above 50d
Institutional flow
Distributing
632 of 721 funds reported for Sep 30 · net -6.8M sh shares · +48 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
4.55% of shares out · ▲ +1.9% MoM · 4.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
721 holders — mid 3-yr range
Price context
position in its range since split · 2025-12-17
Range low $39
Now $43 · 25%
Range high $58
vs 200-day avg -9%
vs 50-day avg +5%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average employee count in the Title segment | 23,819 | the three months ended June 30, 2026 filing | — |
| Claim loss provision for title insurance | $78M | the three months ended June 30, 2026 filing | — |
| Net retained agent premiums percentage | 23% | the three months ended June 30, 2026 filing | — |
| Other operating expenses as a percentage of total revenue excluding agency premiums, interest an | 27% | the three months ended June 30, 2026 filing | — |
| Personnel costs as a percentage of total revenues from direct title premiums and escrow, title-r | 56% | the three months ended June 30, 2026 filing | — |
| Actual title claims paid | $67M | Q2 2026 | — |
| Adjusted EPS attributable to common shareholders - diluted non-GAAP | $2.31 | Six Months Ended June 30, 2026 | — |
| Adjusted net earnings non-GAAP | $370M | Three Months Ended June 30, 2026 | — |
| Adjusted net earnings (loss) attributable to common shareholders non-GAAP | $65M | Three Months Ended June 30, 2026 | — |
| Adjusted pre-tax earnings (loss) non-GAAP | $893M | Six Months Ended June 30, 2026 | — |
| Adjusted pre-tax title earnings non-GAAP | $716M | Six Months Ended June 30, 2026 | — |
| Adjusted pre-tax title margin non-GAAP | 17.8% | Three Months Ended June 30, 2026 | — |
| Core retail sales non-GAAP | 1.8B | Q2 2026 | — |
| Core sales non-GAAP | 2B | second quarter | — |
| Direct Orders Closed | 273,000 | Second Quarter 2026 | — |
| Direct Orders Opened | 391,000 | Second Quarter 2026 | — |
| F&G assets under management (AUM) non-GAAP | $55.87B | Three Months Ended June 30, 2026 | — |
| F&G AUM before reinsurance non-GAAP | $74.69B | Three Months Ended June 30, 2026 | — |
| F&G Segment adjusted net earnings non-GAAP | $65M | Q2 2026 | — |
| F&G Segment adjusted net earnings attributable to common shareholders non-GAAP | $65M | Q2 2026 | — |
| Fixed rate annuities ("MYGA") non-GAAP | $284M | Six months ended June 30, 2026 | — |
| Funding agreements ("FABN/FHLB") non-GAAP | $1.65B | Six months ended June 30, 2026 | — |
| Gross sales non-GAAP | $5.89B | Six months ended June 30, 2026 | — |
| Indexed annuities ("FIA/RILA") non-GAAP | $3.32B | Six months ended June 30, 2026 | — |
| Indexed universal life ("IUL") non-GAAP | $86M | Six months ended June 30, 2026 | — |
| National commercial closed orders | 13.5K | Q2 2026 | — |
| National commercial fee per file | $19,200 | Q2 2026 | — |
| National commercial opened orders | 24.4K | Q2 2026 | — |
| National commercial revenue | $258M | Q2 2026 | — |
| Net sales non-GAAP | $3.71B | Six months ended June 30, 2026 | — |
| Opportunistic sales non-GAAP | 0.7B | second quarter | — |
| Pension risk transfer ("PRT") non-GAAP | $549M | Six months ended June 30, 2026 | — |
| Pension risk transfer sales non-GAAP | 0.2B | Q2 2026 | — |
| Purchase % of closed orders | 72% | Q2 2026 | — |
| Purchase % of opened orders | 73% | Q2 2026 | — |
| Refinance % of closed orders | 28% | Q2 2026 | — |
| Refinance % of opened orders | 27% | Q2 2026 | — |
| Residential fee per file | $2,976 | Q2 2026 | — |
| Retained AUM non-GAAP | 55.9B | second quarter | — |
| Sales attributable to flow reinsurance to third parties non-GAAP | -$2.18B | Six months ended June 30, 2026 | — |
| Subtotal: Core sales non-GAAP | $3.96B | Six months ended June 30, 2026 | — |
| Subtotal: Opportunistic sales non-GAAP | $1.93B | Six months ended June 30, 2026 | — |
| Total closed orders | 273K | Q2 2026 | — |
| Total closed orders per day | 4.3 | Q2 2026 | — |
| Total commercial closed orders | 32.9K | Q2 2026 | — |
| Total commercial fee per file | $13,400 | Q2 2026 | — |
| Total commercial opened orders | 57.9K | Q2 2026 | — |
| Total commercial revenue | $440M | Q2 2026 | — |
| Total fee per file | $4,107 | Second Quarter 2026 | — |
| Total field operations employees | 11,000 | Q2 2026 | — |
| Total opened orders | 391K | Q2 2026 | — |
| Total opened orders per day | 6.2 | Q2 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Specialty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FNF
this stock
Fidelity National Financial, Inc.
|
$11.64B | -20.5% | +5.6% | 11.1 | 4.5% |
|
AXS
Axis Capital Holdings Ltd
|
$7.80B | +1.5% | +10.2% | 8.3 | 3.0% |
|
FAF
First American Financial Corp
|
$6.62B | +5.6% | +21.6% | 9.2 | 5.9% |
|
ACT
Enact Holdings, Inc.
|
$6.10B | +14.5% | +2.8% | 9.4 | 2.2% |
|
ESNT
Essent Group Ltd.
|
$5.68B | -0.7% | +1.5% | 8.8 | 4.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
SEC Filings
Latest
10-Q
- Filed
- Nov 6, 2026
- This year
- 17
Fidelity National Financial, Inc. reported net earnings of $1,445 million for the nine months ended September 30, 2026, up $680 million, as total revenues increased $461 million to $10,855 million.
ViewPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FNF | -1.0% | +8.4% | -10.4% | +7.2% | -20.5% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | -3.6% | +9.6% | -10.9% | +7.3% | -31.1% |
Capital returns
Latest dividend
$0.52
/ share · ex Sep 16, 2026
Declared · upcoming
$0.54
/ share · ex Dec 17, 2026
Paid (TTM)
$2.08
/ share · 4 payouts
Dividend yield (TTM, derived)
4.79%
Buyback program
· as of Jul 31, 2024
Authorized
shares 25.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1331875
CUSIP
31620R303
13F (30d)
557 filings
487 filers
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Investor relations