Fidelity National Financial Inc (FNF)vsRadian Group Inc (RDN)
FNF
Fidelity National Financial Inc
$44.79
+1.31%
FINANCIAL SERVICES · Cap: $11.99B
RDN
Radian Group Inc
$32.97
+0.33%
FINANCIAL SERVICES · Cap: $4.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 1112% more annual revenue ($14.51B vs $1.20B). RDN leads profitability with a 48.7% profit margin vs 4.2%. RDN appears more attractively valued with a PEG of 0.76. RDN earns a higher WallStSmart Score of 76/100 (B+).
FNF
Strong Buy72
out of 100
Grade: B
RDN
Strong Buy76
out of 100
Grade: B+
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
+74.3%
Fair Value
$133.10
Current Price
$32.97
$100.13 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 49 of every $100 in revenue as profit
Strong operational efficiency at 76.7%
Growing faster than its price suggests
Areas to Watch
ROE of 7.8% — below average capital efficiency
4.2% margin — thin
Weak financial health signals
Distress zone — elevated risk
2.7% revenue growth
Weak financial health signals
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 : RDN
The strongest argument for RDN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 48.7% and operating margin at 76.7%. PEG of 0.76 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 : RDN
The primary concerns for RDN are Revenue Growth, Piotroski F-Score.
Key Dynamics to Monitor
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.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RDN scores higher overall (76/100 vs 72/100), backed by strong 48.7% margins. FNF offers better value entry with a 44.8% margin of safety. 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.
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.
Radian Group Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Radian Group Inc. is engaged in the mortgage and real estate services business in the United States. The company is headquartered in Philadelphia, Pennsylvania.
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