Fidelity National Financial, Inc. (New York Stock Exchange:FNF)
Insiders here have filed 5 Form 4s 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
- $14.92B
- Net income
- $1.05B
- Net margin
- 7.0%
Little or no net debt.
- Total debt
- $4.38B
- Cash
- $2.86B
- Net debt / EBITDA
- 0.39x
Comfortably covers what is due within a year.
- Current assets
- $76.45B
- Current liabilities
- $7.0M
- Current ratio
- 10921.71
The business funds itself from operations.
- Operating cash flow
- $5.67B
- Free cash flow
- $5.54B
- FCF margin
- 37.2%
Not funding itself by issuing shares.
- Shares outstanding
- 266.0M
- Share growth (1y)
- -2.2%
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.
FNF 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 | 3.58 B | 4.05 B | 3.22 B | 4.07 B | 3.94 B | 3.58 B |
| Revenue Growth (YoY) | -9.16 % | 13.31 % | 20.57 % | 15.25 % | 11.94 % | 16.83 % |
| Cost of Revenue | 645.00 M | 1.26 B | 62.00 M | 72.00 M | 1.98 B | 1.71 B |
| Gross Profit | 2.93 B | 2.79 B | 3.16 B | 4.00 B | 1.96 B | 1.87 B |
| SG&A Expense | 948.00 M | 965.00 M | 0.00 | 901.00 M | 899.00 M | 867.00 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 1.69 B | 2.19 B | 2.67 B | 3.54 B | 1.50 B | 1.48 B |
| Operating Income | 1.25 B | 594.00 M | 496.00 M | 450.00 M | 453.00 M | 382.00 M |
| Pretax Income | 1.25 B | 338.00 M | 496.00 M | 450.00 M | 479.00 M | 391.00 M |
| Tax Provision | 397.00 M | 63.00 M | 175.00 M | 536.00 M | 90.00 M | 98.00 M |
| Net Income | 633.00 M | 288.00 M | 243.00 M | -117.00 M | 358.00 M | 278.00 M |
| EPS (Basic) | 2.38 | 1.08 | 0.90 | -0.43 | 1.33 | 1.02 |
| EPS (Diluted) | 2.37 | 1.08 | 0.90 | -0.43 | 1.33 | 1.02 |
| Shares Outstanding | 266.00 M | 267.00 M | 269.00 M | 270.00 M | 272.00 M | 272.00 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.