Skip to main content

Fidelity National Financial, In (FNF) Stock Analysis

SellModerate Confidence

Financial Services · Insurance - Specialty

Sell if holding. Momentum 3.6/10 is below the 5.0 floor at $48.87 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Consecutive earnings misses (3); Negative momentum.

Fidelity National Financial is the largest US title insurance company (32% market share through Q3 2025) operating FNTIC, Chicago Title, Commonwealth Land Title, and other underwriters, plus majority-owned F&G Annuities and Life providing FIA, RILA, MYGA, and IUL products.... Read more

$48.87+10.0% A.UpsideScore 6.2/10#4 of 10 Insurance - Specialty
QualityF-score8 / 9FCF yield15.86%
IncomeYield4.20%(5y avg 3.77%)Payout72.60%
Stop $45.93Target $53.76(analyst − 15%)A.R:R 1.7:1
Analyst target$63.25+29.4%4 analysts
$53.76our TP
$48.87price
$63.25mean
$70

Sell if holding. Momentum 3.6/10 is below the 5.0 floor at $48.87 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Consecutive earnings misses (3); Negative momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 6.2/10, moderate confidence.

Passes 7/9 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 78d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: moderate.

Recent Developments — Fidelity National Financial, In

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Strong growth profile
Risks
Consecutive earnings misses (3)
Negative momentum
Below 200-day MA

Key Metrics

P/E (TTM)17.6
P/E (Fwd)8.1
Mkt Cap$13.3B
EV/EBITDA6.5
Profit Mgn5.1%
ROE10.5%
Rev Growth16.7%
Beta1.05
Dividend4.20%
Rating analysts9

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C1.74bearish
IV51%elevated

Concentration Risks(10-K Item 1A)

  • MEDIUMcounterpartyBlackstone
    10-K Item 1: 'Our strategic partnership with Blackstone Inc. ("Blackstone") provides a sustained competitive advantage for our business'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers

No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static

Earnings History
0.0
Surprise Avg
0.0
Erm
5.0
Earnings Timing
5.0
Dividend Safety
6.0
Earnings concerns: 1B/3MDividend: 420.0%

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
0.0
Volume
1.3
Rsi
3.0
Ma Position
3.5
Obv
10.0
Capitulation risk (RSI 30, below 200MA)Volume accumulation (rising OBV)Below 200-MA, MA slope flat
GatesMomentum 3.6<4.5Death cross (50MA < 200MA)A.R:R 1.7 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 78d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
30 · Oversold
20D MA 50D MA 200D MADEATH CROSSSupport $46.67Resistance $52.94

Price Targets

$46
$54
A.Upside+10.0%
A.R:R1.7:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! NEWS_MOD=-1: HOLD_IF_HOLDING → SELL_IF_HOLDING
! Momentum score 3.6/10 — below 4.5 minimum
! Death cross — 50-day MA below 200-day MA

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-08-05 (78d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FNF stock a buy right now?

Sell if holding. Momentum 3.6/10 is below the 5.0 floor at $48.87 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Consecutive earnings misses (3); Negative momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $45.93. Score 6.2/10, moderate confidence.

What is the FNF stock price target?

Take-profit target: $53.76 (+10.0% upside). Prior stop was $45.93. Stop-loss: $45.93.

What are the risks of investing in FNF?

Consecutive earnings misses (3); Negative momentum; Below 200-day MA.

Is FNF overvalued or undervalued?

Fidelity National Financial, In trades at a P/E of 17.6 (forward 8.1). TrendMatrix value score: 8.4/10. Verdict: Sell.

What do analysts say about FNF?

9 analysts cover FNF with a consensus score of 4.0/5. Average price target: $63.

What does Fidelity National Financial, In do?Fidelity National Financial is the largest US title insurance company (32% market share through Q3 2025) operating...

Fidelity National Financial is the largest US title insurance company (32% market share through Q3 2025) operating FNTIC, Chicago Title, Commonwealth Land Title, and other underwriters, plus majority-owned F&G Annuities and Life providing FIA, RILA, MYGA, and IUL products. Revenue comes from title insurance premiums tied to real estate transaction volume and F&G spread income on $36.1B+ in annuity account value.

Related stocks: RDN (Radian Group Inc.) · FAF (First American Corporation (New) · AXS (Axis Capital Holdings Limited) · RYAN (Ryan Specialty Holdings, Inc.) · NMIH (NMI Holdings Inc)