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FNFFidelity National Financial, InSell6.3·$47.92+0.65%
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Fidelity National Financial, In (FNF) Stock Analysis

Recovery setup

SellModerate Confidence

Financial Services · Insurance - Specialty

Sell if holding. Multiple concerning factors at $47.92: Consecutive earnings misses (3); Earnings estimates trending DOWN.

Fidelity National Financial is the largest US title insurance company (32% market share through Q3 2025) operating FNTIC, Chicago Title, Commonwealth Land Title, and other underwriters, plus majority-owned F&G Annuities and Life providing FIA, RILA, MYGA, and IUL products.... Read more

$47.92+12.9% A.UpsideScore 6.3/10#4 of 10 Insurance - Specialty
QualityF-score8 / 9FCF yield16.38%
IncomeYield4.34%(5y avg 3.79%)Payout72.60%
Stop $46.04Target $54.11(analyst − 13%)A.R:R 2.4:1
Analyst target$62.20+29.8%5 analysts
$54.11our TP
$47.92price
$62.20mean
$70

Sell if holding. Multiple concerning factors at $47.92: Consecutive earnings misses (3); Earnings estimates trending DOWN. Chart setup: Death cross but MACD improving, RSI 45. Score 6.3/10, moderate confidence.

Passes 7/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, earnings proximity 52d clear, semi cycle peak clear, materials cycle peak clear). Fails on no CEO selling. Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-14
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Aug 5, 202652d to earnings· next earnings call

Thesis

Rewards
Attractive valuation
Strong growth profile
Risks
Consecutive earnings misses (3)
Earnings estimates trending DOWN
Below 200-MA, MA slope -1.7%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)17.1
P/E (Fwd)8.0
Mkt Cap$12.9B
EV/EBITDA6.4
Profit Mgn5.1%
ROE10.5%
Rev Growth16.7%
Beta1.02
Dividend4.34%
Rating analysts10

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C0.73neutral
IV91%elevated
Max Pain$25-47.8% vs spot

Concentration Risks(10-K Item 1A)

  • MEDIUMcounterpartyBlackstone
    10-K Item 1: 'Our strategic partnership with Blackstone Inc. ("Blackstone") provides a sustained competitive advantage for our business'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static

Earnings History
0.0
Surprise Avg
0.0
Erm
3.5
Earnings Timing
5.0
News Activity
5.0
Dividend Safety
6.0
Earnings concerns: 1B/3MDividend: 434.0%
GatesCEO activity: Death cross (50MA < 200MA)Momentum 5.8>=5.5A.R:R 2.4 ≥ 1.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 52d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Moderate
RSI
45 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $45.31Resistance $49.61

Price Targets

$46
$54
A.Upside+12.9%
A.R:R2.4:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! NEWS_MOD=-2: HOLD_IF_HOLDING → SELL_IF_HOLDING
! CEO activity signal

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-08-05 (52d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FNF stock a buy right now?

Sell if holding. Multiple concerning factors at $47.92: Consecutive earnings misses (3); Earnings estimates trending DOWN. Chart setup: Death cross but MACD improving, RSI 45. Prior stop was $46.04. Score 6.3/10, moderate confidence.

What is the FNF stock price target?

Take-profit target: $54.11 (+12.9% upside). Prior stop was $46.04. Stop-loss: $46.04.

What are the risks of investing in FNF?

Consecutive earnings misses (3); Earnings estimates trending DOWN; Below 200-MA, MA slope -1.7%/30d (confirmed downtrend).

Is FNF overvalued or undervalued?

Fidelity National Financial, In trades at a P/E of 17.1 (forward 8.0). TrendMatrix value score: 8.5/10. Verdict: Sell.

What do analysts say about FNF?

10 analysts cover FNF with a consensus score of 3.9/5. Average price target: $62.

What does Fidelity National Financial, In do?Fidelity National Financial is the largest US title insurance company (32% market share through Q3 2025) operating...

Fidelity National Financial is the largest US title insurance company (32% market share through Q3 2025) operating FNTIC, Chicago Title, Commonwealth Land Title, and other underwriters, plus majority-owned F&G Annuities and Life providing FIA, RILA, MYGA, and IUL products. Revenue comes from title insurance premiums tied to real estate transaction volume and F&G spread income on $36.1B+ in annuity account value.

Related stocks: RDN (Radian Group Inc.) · FAF (First American Corporation (New) · AXS (Axis Capital Holdings Limited) · RYAN (Ryan Specialty Holdings, Inc.) · NMIH (NMI Holdings Inc)
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