WallStSmart

First American Corporation (FAF)vsFidelity National Financial Inc (FNF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Fidelity National Financial Inc generates 88% more annual revenue ($14.51B vs $7.71B). FAF leads profitability with a 8.7% profit margin vs 4.2%. FNF appears more attractively valued with a PEG of 0.85. FNF earns a higher WallStSmart Score of 72/100 (B).

FAF

Strong Buy

68

out of 100

Grade: B-

Growth: 6.7Profit: 6.0Value: 5.7Quality: 7.3
Piotroski: 6/9Altman Z: 1.51

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

FAF4 strengths · Avg: 9.5/10
P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
70.4%10/10

Earnings expanding 70.4% YoY

Revenue GrowthGrowth
16.2%8/10

16.2% revenue growth

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

FAF3 concerns · Avg: 2.7/10
Altman Z-ScoreHealth
1.514/10

Distress zone — elevated risk

PEG RatioValuation
2.982/10

Expensive relative to growth rate

Free Cash FlowQuality
$-32.70M2/10

Negative free cash flow — burning cash

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 : FAF

The strongest argument for FAF centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 16.2% demonstrates continued momentum.

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 : FAF

The primary concerns for FAF are Altman Z-Score, PEG Ratio, Free Cash Flow.

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

FAF profiles as a growth stock while FNF is a value play — different risk/reward profiles.

FAF carries more volatility with a beta of 1.30 — expect wider price swings.

FAF is growing revenue faster at 16.2% — sustainability is the question.

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

Bottom Line

FNF scores higher overall (72/100 vs 68/100) and 12.3% revenue growth. 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.

First American Corporation

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

First American Financial Corporation, provides financial services. The company is headquartered in Santa Ana, California.

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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