Fidelity National Financial (FNF)
Financials · Title Insurance and Real Estate Services
Fidelity National Financial is a leading title insurance and escrow services provider serving residential and commercial real estate transactions in the United States.
What Fidelity National Financial does
Fidelity National Financial provides title insurance, escrow, and related services in the United States real estate market. The company issues title insurance policies for both residential and commercial real estate transactions, protects homebuyers and lenders against property ownership disputes, and generates revenue from direct and agency title insurance premiums, escrow fees, and investment income. Title insurance demand is closely tied to real estate activity, including home sales, mortgage originations, and refinancing volume, which are influenced by interest rates, housing inventory, home prices, and economic conditions.
Themes: ["Title insurance","Real estate transaction services","Residential real estate","Commercial real estate","Escrow services"]
Fundamentals
- Price$49.16 as of 2026-07-09 close
- Market cap$13.0B as of 2026-07-10
- 1-year return-8.2% as of 2026-07-09 close
- P/E17.09 as of 2026-07-10
- Net margin+5.1% as of 2026-07-10
- ROE+9.8% as of 2026-07-10
- Debt / equity0.61 as of 2026-07-10
- Revenue growth (YoY)+13.8% as of 2026-07-10
- Revenue CAGR (3y)+7.7% SEC XBRL
- Beta0.98 as of 2026-07-10
Dividend: yield +4.3%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Sensitivity to real estate market cycles: Title insurance revenue is highly dependent on residential and commercial real estate transaction volumes, which fluctuate with mortgage interest rates, housing inventory, home prices, and economic conditions including employment levels.","Interest rate and macroeconomic risks: Federal Reserve policy changes directly impact mortgage originations and refinancing activity; rising unemployment or housing affordability pressures could depress transaction volumes and title insurance demand.","Competitive and market concentration risks: The title insurance industry faces competition, and significant disruptions in real estate markets, mortgage availability, or regulatory changes could reduce premiums and market share."]
Competitors & peers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.