Fidelity National Financial Inc. (FNF) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-02, Fidelity National Financial Inc. (NYSE: FNF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $40.51 (+0.57% 1D, market cap $10.80B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, FNF ranks #483 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), FNF carries a Roarable D+ (58/100 RQD), trailing P/E of 17.9x, gross margin of —, and ROIC of 1.2%. By comparison, RYAN (Ryan Specialty Holdings Inc.) holds a C+ grade (67/100 RQD, P/E N/A, ROIC 10.3%, cap $11.07B) and ERIE (Erie Indemnity Company) posts a B grade (74/100 RQD, P/E 20.7x, ROIC 24.3%, cap $11.58B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while ERIE leads on capital efficiency (24.3% ROIC).
Per FNF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001331875), Fidelity National Financial Inc. generated $2.10B in revenue (+9.1% YoY), $602.0M in net income, and $5.73B in free cash flow against $109.01B in total assets and $45.02B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)
Even with a 58/100 (D+) score, FNF faces multiple-compression risk if 17.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($41.98) or 200D SMA ($47.87) invalidates the momentum regime and cuts Target Base ($40.51) toward Bear Floor ($31.60).
Fidelity National Financial Inc. (FNF) advanced +0.57% to $40.51, trading at 13% of its 52-week range ($37.88 – $58.41). Stretched risk/reward at 18x P/E (1% return on capital) under elevated 10-year interest-rate pressure.
Yahoo Finance report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Investing.com UK report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Insurance companies serve as the backbone of risk management, providing essential protection and financial security for individuals and businesses. These institutions have benefited from improved pricing power and robust
FNF, FINW and PEGA have been added to the Zacks Rank #5 (Strong Sell) List on October 26th, 2026.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +9.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FNF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FNF. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Fidelity National Financial Inc. (FNF) ranks #483 by composite RQD confidence (58/100, grade D+) and #177 by equity capitalization ($10.80B). Within this direct 5-issuer industry benchmark cohort, ACT leads on earnings valuation at 9.8x trailing P/E, while ERIE leads on capital efficiency and profitability with 24.3% ROIC and — gross margin. ERIE currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with FNF at 58/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FNF
ACTIVE
Fidelity National Financial Inc. | D+ | 58/100 | 17.9x | — | 1.2% | +0.57% | $10.80B | Benchmark Subject |
| RYAN Ryan Specialty Holdings Inc. | C+ | 67/100 | — | — | 10.3% | +1.29% | $11.07B | /ryan-vs-fnf → |
| ERIE Erie Indemnity Company | B | 74/100 | 20.7x | — | 24.3% | +4.23% | $11.58B | /erie-vs-fnf → |
| EQH Equitable Holdings Inc. | D+ | 56/100 | — | — | 0.0% | -1.39% | $14.91B | /eqh-vs-fnf → |
| ACT Enact Holdings Inc. | B | 73/100 | 9.8x | — | 12.6% | -1.83% | $6.61B | /act-vs-fnf → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Fidelity National Financial Inc. (FNF) reported GAAP revenue of $2.10B (+9.1% vs. FY2024 revenue of $1.92B , and +12.7% cumulative change since FY2023) , GAAP net income of $602.0M, operating cash flow of $5.83B, and free cash flow of $5.73B (-14.8% YoY). On the balance sheet, FNF closed FY2025 with $109.01B in total assets against $45.02B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $2.10B | $602.0M | $5.83B | $5.73B | $109.01B | $45.02B |
| FY2024 (FY) | 2024-12-31 | $1.92B | $1.27B | $6.82B | $6.73B | $95.26B | $39.03B |
| FY2023 (FY) | 2023-12-31 | $1.86B | $517.0M | $6.48B | $6.39B | $5.94B | $1.39B |
As of 2026-11-02, Fidelity National Financial Inc. (NYSE: FNF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $40.51 (+0.57% 1D, market cap $10.80B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, FNF ranks #483 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), FNF carries a Roarable D+ (58/100 RQD), trailing P/E of 17.9x, gross margin of —, and ROIC of 1.2%. By comparison, RYAN (Ryan Specialty Holdings Inc.) holds a C+ grade (67/100 RQD, P/E N/A, ROIC 10.3%, cap $11.07B) and ERIE (Erie Indemnity Company) posts a B grade (74/100 RQD, P/E 20.7x, ROIC 24.3%, cap $11.58B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while ERIE leads on capital efficiency (24.3% ROIC).
Per FNF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001331875), Fidelity National Financial Inc. generated $2.10B in revenue (+9.1% YoY), $602.0M in net income, and $5.73B in free cash flow against $109.01B in total assets and $45.02B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
FNF last traded at $40.51 (+0.57% on volume of 3,824,596 shares), positioning the stock -3.50% below its 50-day simple moving average ($41.98) and -15.37% below its 200-day simple moving average ($47.87). Across its 52-week range of $37.88 to $58.41, FNF sits at the 12.8% percentile with a 14-day RSI of 47.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.5% ($38.28 to $42.74).
Why FNF Stock advanced +0.57% Today — RQD Quant Desk Flash. Stretched risk/reward at 18x P/E (1% return on capital) under elevated 10-year interest-rate pressure.
Per the Roarable RQD rating, FNF scores 58 out of 100, graded D+, with the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are:
Translated for a prospective investor: the upside case rests on the high FCF yield and the balance sheet holding up, while the valuation tradeoff is that a 22% FCF yield alongside a 1.2% ROIC signals that reported cash generation is not translating into returns on invested capital. The rating does not treat the stock as a buy at current conditions.
Fidelity National Financial Inc. is a NYSE-listed issuer in the Financials sector, Specialty Insurers industry. Per the company profile, it operates as a specialty insurer. Not available in source data for: specific products, customer segments, or revenue mix. Not available in source data for: detailed description of how it generates revenue beyond sector and industry classification.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $2099.0M | $710.4M | $602.0M | N/A | $5733.5M | $2636.0M | $45018.9M |
| FY 2024 | $1924.0M | $1498.6M | $1270.0M | N/A | $6728.4M | $3479.0M | $39028.9M |
| FY 2023 | $1863.0M | $610.1M | $517.0M | N/A | $6394.2M | N/A | $1390.3M |
Per the SEC financials, net income fell from $1270.0M in FY 2024 to $602.0M in FY 2025, and debt rose from $39028.9M to $45018.9M over the same span. Per the market data, the operating margin is 35%, net margin is 28.7%, and gross margin is 0%. ROIC is 1.2%. Per the RQD pillar, the Altman Z-Score is 2.5 and the Piotroski F-Score is 7/9. The balance sheet posture, per the RQD pillar, reflects a Debt/Equity of 0.5, though the reported debt figures in the financials table are substantially larger than the cash balance.
Per the recent news and catalysts feed, six items are tagged to FNF, all carrying a YELLOW light and MARKET WIRE impact label:
Risk watch items, per the news feed: mortgage earnings caution, a 52-week low, and estimated earnings decline. Proprietary signals per the Butterfly graph: none.
Per the Butterfly Supply-Chain Graph, supply chain is NONE and there are no butterfly links. Not available in source data for: upstream suppliers, downstream customers, or sector correlation partners. For a prospective investor, the mortgage earnings caution flagged in the news feed is the most visible second-order channel to monitor, but the source data does not map which other tickers or sectors it propagates to.
Real-time company headlines, analyst actions, and sector developments for Fidelity National Financial Inc. (FNF) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Investing.com UK report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Fidelity National Financial Inc. (FNF) market action, institutional positioning, and fundamental catalysts.
Welcome to the FNF (Fidelity National Financial Inc.) Roar Pit. Current RQD Composite is 58/100 (Roarable Sell — Weak Fundamentals / Trim) in Specialty Insurers. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on FNF, but look at what you are paying: 17.9x trailing P/E with tightening sector spreads. Unless Fidelity National Financial Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on FNF, the market is fixating on short-term headline noise in Specialty Insurers and ignoring the balance sheet and cash flow trajectory. At $40.28 (52-wk range $37.88 - $58.41), any beat on forward guidance forces shorts and underweight funds to chase.
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