Fidelity National Financial Inc (FNF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Fidelity National Financial Inc stock (FNF) is currently trading at $44.79. Fidelity National Financial Inc PE ratio is 20.00. Fidelity National Financial Inc PS ratio (Price-to-Sales) is 0.83. Analyst consensus price target for FNF is $67.20. WallStSmart rates FNF as Moderate Buy.
- FNF PE ratio analysis and historical PE chart
- FNF PS ratio (Price-to-Sales) history and trend
- FNF intrinsic value — DCF, Graham Number, EPV models
- FNF stock price prediction 2025 2026 2027 2028 2029 2030
- FNF fair value vs current price
- FNF insider transactions and insider buying
- Is FNF undervalued or overvalued?
- Fidelity National Financial Inc financial analysis — revenue, earnings, cash flow
- FNF Piotroski F-Score and Altman Z-Score
- FNF analyst price target and Smart Rating
Fidelity National Financial Inc
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FNF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Fidelity National Financial Inc (FNF)
FNF trades at a significant discount to its Graham intrinsic value of $103.43, offering a 45% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Fidelity National Financial Inc (FNF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, price/sales. Concerns around return on equity and profit margin. Overall metrics suggest strong investment potential with favorable risk/reward.
Fidelity National Financial Inc (FNF) Key Strengths (6)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
Earnings per share surging 37.10% year-over-year
82.35% of shares held by major funds and institutions
Large-cap company with substantial market presence
Trading at 1.61x book value, attractively priced
Supporting Valuation Data
Fidelity National Financial Inc (FNF) Areas to Watch (4)
Very thin margins, barely profitable
Low profitability relative to shareholder equity
Thin operating margins with cost pressures present
Solid revenue growth at 12.30% per year
Fidelity National Financial Inc (FNF) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.5/10) while 4 fall into concern territory (avg 3.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, EPS Growth. Valuation metrics including PEG Ratio (0.85), Price/Sales (0.83), Price/Book (1.61) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 37.10%.
The Bear Case
The primary concerns are Profit Margin, Return on Equity, Operating Margin. Growth concerns include Revenue Growth at 12.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.76%, Operating Margin at 13.10%, Profit Margin at 4.15%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Profit Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.76% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 12.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Price/Sales makes a compelling case at current levels. The key risk is Profit Margin, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FNF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FNF's Price-to-Sales ratio of 0.83x trades 21% below its historical average of 1.04x (29th percentile). The current valuation is 54% below its historical high of 1.81x set in Jul 2017, and 97% above its historical low of 0.42x in Dec 2007. Over the past 12 months, the PS ratio has compressed from ~1.0x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Fidelity National Financial Inc (FNF) · FINANCIAL SERVICES › INSURANCE - SPECIALTY
The Big Picture
Fidelity National Financial Inc is a mature, profitable business with steady cash generation. Revenue reached 14.5B with 12% growth year-over-year. Profit margins are strong at 415.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 776.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 1.8B in free cash flow and 1.9B in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 4.5%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - SPECIALTY industry trends, competitive moves, and regulatory changes that could impact Fidelity National Financial Inc.
Bottom Line
Fidelity National Financial Inc is a well-established business delivering consistent profitability with 415.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Fidelity National Financial Inc(FNF)
NYSE
FINANCIAL SERVICES
INSURANCE - SPECIALTY
USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.