FNF:NYSEFidelity National Financial, Inc. Analysis
Data as of 2026-03-13 - not real-time
$47.46
Latest Price
5/10Risk
Risk Level: Medium
Executive Summary
Fidelity National Financial is trading well below its 20‑day SMA (≈$51.4) at $47.45, with a 30‑day RSI around 31 and a bearish MACD histogram, suggesting short‑term oversold momentum. Yet the DCF model implies a fair value near $172, indicating roughly a 40% upside, while the forward P/E of about 7x underscores strong earnings expectations. The company posted a solid 12% revenue growth year‑over‑year, beat Q4 2025 estimates, and management highlighted a growing commercial pipeline and potential M&A opportunities for 2026.
Despite a generous 4.5% dividend yield, the payout ratio hovers near 91%, raising questions about long‑term sustainability. Low beta (~0.6) and stable volume point to modest market risk, but the bearish technical backdrop and high volatility (≈28% 30‑day) suggest caution in the near term.
Despite a generous 4.5% dividend yield, the payout ratio hovers near 91%, raising questions about long‑term sustainability. Low beta (~0.6) and stable volume point to modest market risk, but the bearish technical backdrop and high volatility (≈28% 30‑day) suggest caution in the near term.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- Bearish technical indicators (RSI, MACD, price below SMA)
- Proximity to support level around $45.94
- Recent earnings beat providing short‑term price cushion
Medium Term
1–3 yearsPositive
Model confidence: 8/10
Key Factors
- Significant valuation upside versus DCF fair value
- Robust revenue growth and expanding commercial pipeline
- Attractive dividend yield despite sustainability concerns
Long Term
> 3 yearsPositive
Model confidence: 7/10
Key Factors
- Strong cash flow generation and low leverage relative to peers
- Strategic M&A opportunities and market position in title insurance
- Long‑term undervaluation supported by low forward P/E
Key Metrics & Analysis
Financial Health
Revenue Growth12.30%
Profit Margin4.15%
P/E Ratio21.5
ROE7.76%
ROA1.10%
Debt/Equity53.14
P/B Ratio1.7
Op. Cash Flow$5.8B
Free Cash Flow$2.0B
Industry P/E16.4
Technical Analysis
TrendBearish
RSI30.9
Support$45.94
Resistance$57.65
MA 20$51.42
MA 50$53.45
MA 200$54.78
MACDBearish
VolumeStable
Fear & Greed Index72.82
Valuation
Fair Value$171.97
Target Price$67.20
Upside/Downside41.61%
GradeUndervalued
TypeValue
Dividend Yield4.48%
Risk Assessment
Beta0.60
Volatility28.08%
Sector RiskMedium
Reg. RiskMedium
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.