First American Financial Corp (New York Stock Exchange:FAF)
Insiders here have filed 1 Form 4 in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Profitable, but on a thin margin.
- Revenue
- $8.09B
- Net income
- $732.5M
- Net margin
- 9.1%
Little or no net debt.
- Total debt
- $2.55B
- Cash
- $1.73B
- Net debt / EBITDA
- 0.61x
Covers near-term obligations, without much room.
- Current assets
- $14.03B
- Current liabilities
- $10.52B
- Current ratio
- 1.33
The business funds itself from operations.
- Operating cash flow
- $969.5M
- Free cash flow
- $805.8M
- FCF margin
- 10.0%
Not funding itself by issuing shares.
- Shares outstanding
- 102.7M
- Share growth (1y)
- -0.8%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
FAF Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | $2.08 B | $2.12 B | $1.84 B | $2.05 B | $1.98 B | $1.84 B |
| Revenue Growth (YoY) | 5.34 % | 14.99 % | 16.16 % | 22.17 % | 40.74 % | 14.20 % |
| Cost of Revenue | $790.70 M | $745.90 M | $680.00 M | $718.70 M | $730.90 M | $655.40 M |
| Gross Profit | $1.29 B | $1.37 B | $1.16 B | $1.33 B | $1.25 B | $1.19 B |
| SG&A Expense | $597.40 M | $614.30 M | $568.20 M | $607.30 M | $574.90 M | $571.10 M |
| R&D Expense | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Operating Expenses | $1.07 B | $1.09 B | $996.20 M | $1.04 B | $1.00 B | $990.70 M |
| Operating Income | $227.60 M | $283.90 M | $161.80 M | $287.40 M | $247.00 M | $195.20 M |
| Pretax Income | $227.60 M | $283.90 M | $161.80 M | $287.40 M | $247.00 M | $195.20 M |
| Tax Provision | $51.00 M | $64.80 M | $37.00 M | $74.00 M | $57.10 M | $48.10 M |
| Net Income | $177.00 M | $218.50 M | $125.10 M | $211.90 M | $189.60 M | $146.10 M |
| EPS (Basic) | $1.72 | $2.13 | $1.21 | $2.06 | $1.84 | $1.41 |
| EPS (Diluted) | $1.72 | $2.12 | $1.21 | $2.05 | $1.83 | $1.41 |
| Shares Outstanding | 102.70 M | 102.60 M | 103.00 M | 102.80 M | 103.50 M | 103.70 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.