Fidelity National Financial Inc (FNF)vsMGIC Investment Corp (MTG)
FNF
Fidelity National Financial Inc
$44.79
+1.31%
FINANCIAL SERVICES · Cap: $11.99B
MTG
MGIC Investment Corp
$26.01
+0.50%
FINANCIAL SERVICES · Cap: $5.61B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 1095% more annual revenue ($14.51B vs $1.21B). MTG leads profitability with a 60.8% profit margin vs 4.2%. MTG appears more attractively valued with a PEG of 0.40. FNF earns a higher WallStSmart Score of 72/100 (B).
FNF
Strong Buy72
out of 100
Grade: B
MTG
Buy65
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+44.8%
Fair Value
$103.43
Current Price
$44.79
$58.64 discount
Margin of Safety
+33.2%
Fair Value
$40.95
Current Price
$26.01
$14.94 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 37.1% YoY
Generating 1.8B in free cash flow
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 61 of every $100 in revenue as profit
Strong operational efficiency at 74.2%
Areas to Watch
ROE of 7.8% — below average capital efficiency
4.2% margin — thin
Weak financial health signals
Distress zone — elevated risk
3.9% earnings growth
Weak financial health signals
Revenue declined 0.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : FNF
The strongest argument for FNF centers on PEG Ratio, Price/Book, EPS Growth. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bull Case : MTG
The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 60.8% and operating margin at 74.2%. PEG of 0.40 suggests the stock is reasonably priced for its growth.
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.
Bear Case : MTG
The primary concerns for MTG are EPS Growth, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
FNF profiles as a value stock while MTG is a declining play — different risk/reward profiles.
FNF carries more volatility with a beta of 1.03 — expect wider price swings.
FNF is growing revenue faster at 12.3% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
FNF scores higher overall (72/100 vs 65/100) and 12.3% revenue growth. MTG offers better value entry with a 33.2% margin of safety. Both earn "Strong Buy" and "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.
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.
MGIC Investment Corp
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MGIC Investment Corporation offers private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government-sponsored entities in the United States, Puerto Rico, and Guam. The company is headquartered in Milwaukee, Wisconsin.
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