WallStSmart

AXIS Capital Holdings Ltd (AXS)vsFidelity National Financial Inc (FNF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Fidelity National Financial Inc generates 117% more annual revenue ($14.51B vs $6.69B). AXS leads profitability with a 16.0% profit margin vs 4.2%. FNF appears more attractively valued with a PEG of 0.85. AXS earns a higher WallStSmart Score of 76/100 (B+).

AXS

Strong Buy

76

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 7.0Quality: 5.0
Piotroski: 5/9Altman Z: 0.62

FNF

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 4.5Value: 7.0Quality: 5.3
Piotroski: 3/9Altman Z: 0.92

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AXS4 strengths · Avg: 9.3/10
P/E RatioValuation
7.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

EPS GrowthGrowth
45.6%8/10

Earnings expanding 45.6% YoY

FNF4 strengths · Avg: 8.0/10
PEG RatioValuation
0.858/10

Growing faster than its price suggests

P/E RatioValuation
17.9x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
37.1%8/10

Earnings expanding 37.1% YoY

Areas to Watch

AXS1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.622/10

Distress zone — elevated risk

FNF4 concerns · Avg: 2.8/10
Return on EquityProfitability
7.8%3/10

ROE of 7.8% — below average capital efficiency

Profit MarginProfitability
4.2%3/10

4.2% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.922/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AXS

The strongest argument for AXS centers on P/E Ratio, Price/Book, Debt/Equity. Profitability is solid with margins at 16.0% and operating margin at 19.0%. PEG of 1.18 suggests the stock is reasonably priced for its growth.

Bull Case : FNF

The strongest argument for FNF centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.

Bear Case : AXS

The primary concerns for AXS are Altman Z-Score.

Bear Case : FNF

The primary concerns for FNF are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.2% margins leave little buffer for downturns.

Key Dynamics to Monitor

AXS profiles as a mature stock while FNF is a value play — different risk/reward profiles.

FNF carries more volatility with a beta of 1.05 — expect wider price swings.

FNF is growing revenue faster at 12.3% — sustainability is the question.

FNF generates stronger free cash flow (848M), providing more financial flexibility.

Bottom Line

AXS scores higher overall (76/100 vs 72/100), backed by strong 16.0% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AXIS Capital Holdings Ltd

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

AXIS Capital Holdings Limited, offers various specialized insurance and reinsurance products worldwide. The company is headquartered in Pembroke, Bermuda.

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Fidelity National Financial Inc

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.

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