| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 87 | 15.3x | 17.8x | Top tier | |
Growth | 35 | 13.0% | 7.1% | Bottom tier | |
Quality | 53 | — | — | Around median | |
Safety | 12 | — | — | Bottom tier | |
Capital Return | 68 | 4.67% | 2.12% | Top tier | |
Momentum | 19 | -17.1% | 2.9% | Bottom tier | |
Sentiment | 34 | 3 | 3 | Bottom tier |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Fidelity National Financial operates through two complementary businesses: title insurance and related settlement services within the Title segment, and life insurance, annuity, and asset management products through its stake in F&G. The Title segment generates revenue from direct premiums, agency premiums, escrow fees, and title-related services, while F&G relies on annuity sales, life insurance, pension risk transfer, and funding agreements, alongside owned distribution investments.
In fiscal Q2 2026, FNF reported total revenue of $4.1 billion, net income of $288 million, and EDGAR earnings per share of $1.08. Excluding recognized gains and losses, revenue was $3.7 billion versus $3.5 billion in fiscal Q2 2025, while adjusted earnings reached $370 million, or $1.39 per diluted share, compared with $318 million, or $1.16 per share.
The Title segment generated revenue of $2.5 billion excluding $14 million of recognized gains, and its adjusted pretax earnings reached $448 million, up 33%, with the adjusted pretax margin rising to 17.8% from 15.5%. The segment contributed $339 million of adjusted earnings, compared with $65 million from F&G, while the Corporate segment recorded an adjusted loss of $6 million before excluding F&G dividend income within the consolidated financial statements.
The average analyst price target is $56, within a narrow range of $54 to $58, with a consensus Buy rating. The average target and highest target are below the upper end of the 52-week range of $59.20926, compared with a low of $42.78, reflecting a positive valuation that nevertheless accounts for residential housing weakness and the possibility of Title margin contraction in the second half of fiscal 2026.
Figures in the text are as of 2026-08-29; the live price is shown at the top of the page.
The Title segment was the largest driver, contributing $339 million of adjusted earnings compared with $65 million from F&G. Title's adjusted pretax earnings reached $448 million, up 33% from fiscal Q2 2025. The segment's margin increased to 17.8% from 15.5%, driven by strength in commercial, residential, and agency activities and expense control.
Existing-home sales remain at a historically low annualized pace of approximately 4 million units, so management remained cautious regarding purchase and refinance activity during the remainder of fiscal 2026. Nevertheless, opened purchase orders per day increased 3% year over year and 7% compared with fiscal Q1 2026. Refinancing represented only 7% of direct revenue in Q2, limiting the impact of its volatility on the current mix.
Direct commercial revenue reached $778 million in the first six months of fiscal 2026, up 24% from $626 million in the corresponding period. Average opened commercial orders reached 919 orders per day in Q2, with growth in national and local markets of 3% and 10%, respectively. The company also closed 29 transactions with premiums exceeding $1 million each, with strength spanning industrial properties, data centers, multifamily housing, retail, and energy.
Automated analysis for informational purposes only — not investment advice.
inHere maintained participation in 80% of residential sale transactions during the first six months of fiscal 2026, after reaching approximately 2.8 million unique users in fiscal 2025. The platform connects participants to the SoftPro system and enables order tracking without continuous reliance on calls and emails. Management did not provide a specific figure for savings per file, but linked technology investment to long-term improvements in productivity, risk management, and fraud protection.
F&G provides businesses in annuities, life insurance, pension risk transfer, and funding agreements, complementing the real estate-related Title business. Its assets under management before reinsurance reached $74.7 billion as of June 30, 2026, up 8% year over year, and it recorded gross sales of $2.7 billion in fiscal Q2 2026. However, its contribution to FNF's adjusted earnings declined to $65 million from $89 million, alongside a decrease in FNF's approximate ownership stake to 72% from 82%.
The company returned approximately $195 million to shareholders in fiscal Q2 2026, split between $138 million in dividends and $57 million in share repurchases. During the first six months of fiscal 2026, total capital returned reached $417 million, including $278 million in dividends and $139 million in repurchases. In contrast, cash and short-term liquid investments at the holding company declined from $659 million at the end of fiscal 2025 to $457 million at the end of fiscal Q2 2026.
