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FNFFidelity National Financial, InSell6.4·$47.67-0.81%
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Fidelity National Financial, In (FNF) Stock Analysis

Recovery setup

SellModerate Confidence

Financial Services · Insurance - Specialty

Sell if holding. Multiple concerning factors at $47.67: Consecutive earnings misses (3); Earnings estimates trending DOWN.

Fidelity National Financial operates two segments: Title (title insurance, escrow, and real estate services via five national underwriters holding a 32% U.S. market share through Q3 2025) and F&G (annuities and life insurance via majority-owned F&G Annuities & Life, with... Read more

$47.67+13.5% A.UpsideScore 6.4/10#3 of 10 Insurance - Specialty
QualityF-score8 / 9FCF yield16.34%
IncomeYield4.33%(5y avg 3.79%)Payout72.60%
Stop $45.77Target $54.11(analyst − 13%)A.R:R 2.3:1
Analyst target$62.20+30.5%5 analysts
$54.11our TP
$47.67price
$62.20mean
$70

Sell if holding. Multiple concerning factors at $47.67: Consecutive earnings misses (3); Earnings estimates trending DOWN. Chart setup: Death cross but MACD improving, RSI 51. Score 6.4/10, moderate confidence.

Passes 6/8 gates (positive momentum, favorable risk/reward ratio, clean insider activity, earnings proximity 50d clear, semi cycle peak clear, materials cycle peak clear). Fails on no CEO selling. Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-17
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Aug 5, 202650d to earnings· next earnings call

Thesis

Rewards
Attractive valuation
Strong growth profile
Risks
Consecutive earnings misses (3)
Earnings estimates trending DOWN
Below 200-MA, MA slope -1.8%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)17.1
P/E (Fwd)8.0
Mkt Cap$12.9B
EV/EBITDA6.4
Profit Mgn5.1%
ROE10.5%
Rev Growth16.7%
Beta1.02
Dividend4.33%
Rating analysts10

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C0.45bullish
IV68%elevated
Max Pain$25-47.6% vs spot

Material Events(8-K, last 90d)

  • 2026-05-12Item 5.02LOW
    FNF entered amended employment agreement with CEO Michael J. Nolan on May 8, 2026. Three-year term; base salary $1.1M; incentive target 200% of base salary; $2M retention restricted stock award. No departure; compensatory arrangement update for sitting CEO.
    SEC filing →

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

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

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
3.5
Earnings Timing
5.0
News Activity
5.0
Dividend Safety
6.0
Earnings concerns: 1B/3MDividend: 433.0%
GatesCEO activity: Death cross (50MA < 200MA)Momentum 6.8>=5.5A.R:R 2.3 ≥ 1.5Insider activity: OKEARNINGS PROXIMITY 50d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Moderate
RSI
51 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $44.82Resistance $49.00

Price Targets

$46
$54
A.Upside+13.5%
A.R:R2.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! NEWS_MOD=-2: HOLD_IF_HOLDING → SELL_IF_HOLDING
! CEO activity signal

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-08-05 (50d)

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. Multiple concerning factors at $47.67: Consecutive earnings misses (3); Earnings estimates trending DOWN. Chart setup: Death cross but MACD improving, RSI 51. Prior stop was $45.77. Score 6.4/10, moderate confidence.

What is the FNF stock price target?

Take-profit target: $54.11 (+13.5% upside). Prior stop was $45.77. Stop-loss: $45.77.

What are the risks of investing in FNF?

Consecutive earnings misses (3); Earnings estimates trending DOWN; Below 200-MA, MA slope -1.8%/30d (confirmed downtrend).

Is FNF overvalued or undervalued?

Fidelity National Financial, In trades at a P/E of 17.1 (forward 8.0). TrendMatrix value score: 8.5/10. Verdict: Sell.

What do analysts say about FNF?

10 analysts cover FNF with a consensus score of 3.9/5. Average price target: $62.

What does Fidelity National Financial, In do?Fidelity National Financial operates two segments: Title (title insurance, escrow, and real estate services via five...

Fidelity National Financial operates two segments: Title (title insurance, escrow, and real estate services via five national underwriters holding a 32% U.S. market share through Q3 2025) and F&G (annuities and life insurance via majority-owned F&G Annuities & Life, with approximately $36.1 billion in FIA and fixed rate annuities account value). Title revenue tracks real estate transaction volumes; F&G earns spread income on in-force annuity liabilities.

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