Fidelity National Financial Inc (FNF)
合理估值基本面
61
价格
$39.54
市值
$11.02B
第一部分 · 这家公司值多少
概览
Fidelity National Financial, Inc., together with its subsidiaries, provides various insurance products in the United States. It operates through Title, F&G, and Corporate and Other segments. The company offers title insurance, escrow, and other title related services, including trust activities, trustee sales guarantees, recordings and reconveyances, and home warranty products. It also provides technology and transaction services to the real estate and mortgage industries; and mortgage transaction services, including title-related services and facilitation of production and management of mortgage loans. In addition, the company offers annuity and life insurance products, such as deferred and immediate annuities, as well as indexed universal life insurance products; and funding agreements and pension risk transfer (PRT) solutions. Further, it engages in the real estate brokerage business. Fidelity National Financial, Inc. was incorporated in 2005 and is headquartered in Jacksonville, Florida.
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Direct competitors
Who this company fights with for the same customers
Generated on 2026年9月18日 with claude-haiku-4-5 — shared with all users
The largest U.S. title insurance underwriter, competing directly with FNF's Fidelity National Title and Chicago Title for the same residential and commercial closings through the same lender, realtor and agency channels.
Its Old Republic National Title unit holds a market share comparable to FNF's flagship underwriter and bids for the same agency network and lender-driven refinance and purchase volume.
The fourth member of the title insurance "big four", selling the same title policies and escrow and closing services to home buyers, lenders and commercial real estate clients across the United States.
The largest independent underwriter, it wins business by signing up the independent title agencies that FNF also needs to distribute its policies at the local level.
A privately held national underwriter that competes for the same agency and lender relationships and has been taking share from the big four in residential closings.
资产负债表与流动性
营收
$2.21B
最近12个月（截至2026/6/30）
净利润
$772M
最近12个月（截至2026/6/30）
自由现金流
-
股东权益合计
$7.42B
负债合计
$100.04B
流动比率
0.35
利息覆盖率
-
债务/EBITDA
1.97
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
债务负担有多重
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$35.87
当前价格
$39.54
安全边际
-10.2%
公允价值区间
$23.32 - $48.43
所用估值方法之间的离散区间，并非经过统计校准的置信区间。
估算方法
估值指标
市盈率（P/E）
13.63
ROE
8.1%
市净率（P/B）
1.41
P/FCF
-
毛利率
-
ROIC
-
盈利能力雷达图
价值创造（经济护城河）
ROIC
-
WACC
6.8%
ROIC − WACC
-
基本面分析标准
通过（11）
- EPS shows upward trend
- Price CAGR 6.86%
- P/B Ratio 1.41
- Debt/EBITDA
- Low reliance on intangibles
- Price below Graham Number
- ROE 10.1%
- Revenue Growth 5Y 6.1%
- Analyst Consensus 70% Buy
- Earnings Quality (OCF/NI) 7.21
- Share Dilution -0.3%
未通过（6）
- Debt/Equity ratio
- Return on Tangible Assets
- DCF valuation (Overvalued)
- Earnings Surprise avg -1.5%
- Net Margin Trend 35.0% vs 53.8%
- Piotroski F-Score 4/9
不可用（10）
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Operating Margin NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Interest Coverage
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-评分
信号混杂：部分领域需关注
盈利质量
高质量：盈利有现金流支撑
股权稀释
正在回购股份，对股东友好
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| Mr. Michael Joseph Nolan | Chief Executive Officer | 65 |
| Mr. Raymond Randall Quirk | Executive Vice-Chairman | 78 |
| Mr. Anthony John Park | Executive VP & CFO | 58 |
| Mr. Peter Tadeusz Sadowski | Executive VP & Chief Legal Officer | 70 |
| Mr. Michael Louis Gravelle J.D. | Executive VP, General Counsel & Corporate Secretary | 63 |
| Mr. Gregg N. Sofer | EVP, Deputy Chief Legal Officer & Chief Compliance Officer | - |
| Mr. Jason R. Nadeau | Chief Artificial Intelligence Officer | 54 |
| Mr. Jeffrey Heighton | President of Enterprise Solutions Agency | - |
审计风险
5
董事会风险
9
薪酬风险
4
股东权利风险
1
第二部分 · 价格与买入时机
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损益历史
via SEC EDGAR
Latest News
Recent headlines for FNF, sourced from Markets Gazette.