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Stock Ratings / Financials / FNF
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Fidelity National Financial Inc. (FNF) — RQD Stock Rating Cockpit

$42.18 +4.12% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $42.41

Fidelity National Financial Inc. (FNF) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $10.86B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FNF Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FNF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Fidelity National Financial Inc. (NYSE: FNF) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $42.18 (+4.12% 1D, market cap $10.86B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, FNF ranks #405 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FNF compare to RYAN and ERIE in the Financials sector?
▼

Within the Financials sector (Specialty Insurers), FNF carries a Roarable C- (59/100 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 (68/100 RQD, P/E N/A, ROIC 10.3%, cap $11.21B) and ERIE (Erie Indemnity Company) posts a B+ grade (76/100 RQD, P/E 20.7x, ROIC 24.3%, cap $12.07B). Among the 5-stock peer group, FAF leads on earnings multiple (10.5x) while ERIE leads on capital efficiency (24.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FNF?
▼

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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $42.41 (+0.55%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 273.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510059
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk C
Cash (13)Whales (7)SEC (15)Macro (10)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+0.5% Base Target
$61 Bull$42 Base$33 Bear
📬 FREE FNF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FNF)Realized 20D OHLCV Swing Band: ±5.2%
Deterministic 5-Pillar Attribution (59/100 Composite)
🔍 WHY FNF SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
51
Grade C-$39.26+3.5% Next Q
Q2 (-2Q)
54
Grade C-$40.62-3.2% Next Q
Q3 (-1Q)
56
Grade C$39.30+7.3% Next Q
Current
59
Grade C-$42.18+0.2% Hist 90D α
Trajectory: C- (51) → C- (59)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FNF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) 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.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($41.85) or 200D SMA ($47.81) invalidates the momentum regime and cuts Target Base ($42.37) toward Bear Floor ($33.05).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FNF• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FNF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 59%NO 41%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
49.330 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE21% OF RANGE
L: $38$42.18H: $58
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D+RQD 21 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on FNF

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

1.2% ROIC with 42.0% gross margin and 22.00% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (52)

21/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like FNF
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FNF Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
FNF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -17.46%📐 HORIZONTAL RANGE
2026-11-03O $40.28H $42.18L $40.28C $42.18VOL 3.82M
RES: $57.89SUP: $36.21SMA50: $41.85SMA200: $47.81
$55.98$51.08$46.17$41.26$36.36RES $57.89SUP $36.21$42.182026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FNF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FNF Butterfly Map → + Track FNF →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
11.0%/yr Implied 5Y Growth

vs. +9.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FNF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FNF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FNF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FNF)

Financials Rank #405 of 1097 ⚔️ RYAN vs FNF Full Matrix →

1. Head-to-Head Financials Peer Comparison (FNF vs. RYAN, ERIE, EQH, FAF)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Fidelity National Financial Inc. (FNF) ranks #405 by composite RQD confidence (59/100, grade C-) and #177 by equity capitalization ($10.86B). Within this direct 5-issuer industry benchmark cohort, FAF leads on earnings valuation at 10.5x 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 76/100 (B+) compared with FNF at 59/100 (C-).

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.
C- 59/100 17.9x — 1.2% +4.12% $10.86B Benchmark Subject
RYAN
Ryan Specialty Holdings Inc.
C+ 68/100 — — 10.3% +3.74% $11.21B /ryan-vs-fnf →
ERIE
Erie Indemnity Company
B+ 76/100 20.7x — 24.3% +4.80% $12.07B /erie-vs-fnf →
EQH
Equitable Holdings Inc.
D+ 53/100 — — 0.0% +0.76% $14.70B /eqh-vs-fnf →
FAF
First American Corporation
C- 60/100 10.5x — 7.0% +3.67% $6.52B /faf-vs-fnf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001331875 ↗

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

3. FNF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FNF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Fidelity National Financial Inc. (NYSE: FNF) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $42.18 (+4.12% 1D, market cap $10.86B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, FNF ranks #405 in composite RQD confidence.

How does FNF compare to RYAN and ERIE in the Financials sector?

Within the Financials sector (Specialty Insurers), FNF carries a Roarable C- (59/100 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 (68/100 RQD, P/E N/A, ROIC 10.3%, cap $11.21B) and ERIE (Erie Indemnity Company) posts a B+ grade (76/100 RQD, P/E 20.7x, ROIC 24.3%, cap $12.07B). Among the 5-stock peer group, FAF leads on earnings multiple (10.5x) while ERIE leads on capital efficiency (24.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FNF?

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.

Where is FNF trading relative to its 50-day, 200-day, and 52-week technical levels?

FNF last traded at $42.18 (+4.12% on volume of 2,514,966 shares), positioning the stock +0.79% above its 50-day simple moving average ($41.85) and -11.78% below its 200-day simple moving average ($47.81). Across its 52-week range of $37.88 to $58.41, FNF sits at the 20.9% percentile with a 14-day RSI of 49.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.2% ($39.99 to $44.37).

Direct Sub-Reports: FNF RQD Cockpit FNF 12M Forecast FNF Earnings & Move FNF Dividends & DRIP FNF Insiders & 13F FNF Whale Options FNF Profit Sankey FNF News & Why
ROARABLE RATING BRIEF • RQD 59/100 (C-) ✓ SEC XBRL & RQD VERIFIED

FNF — Fidelity National Financial Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Fidelity National Financial Inc. (FNF) earns a live Roarable RQD composite score of 59/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $42.18 (+4.12% 1D, market capitalization $10.86B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 1.2%, gross margin of —, operating margin of 35.0%, and free cash flow yield of 22.00%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (15/20): Incorporates a 1.08x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Fidelity National Financial Inc. Is a NYSE-listed issuer in the Financials sector, Specialty Insurers industry. It operates as a specialty insurer. — for: specific products, customer segments, or revenue mix.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Fidelity National Financial Inc. (FNF) reported $2.10B in annual revenue (up from $1.92B in FY2024, +9.1% YoY) and $602.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.86B revenue, $517.0M net income) through FY2025, FNF scaled operating cash flow to $5.83B and free cash flow to $5.73B, backed by $109.01B in total assets against $45.02B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 59/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $37.88 – $58.41 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 17.9x trailing P/E and 61.6x EV/EBITDA against 35.0% operating margins and a 1.08x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for: upstream suppliers, downstream customers, or sector correlation partners.

  • Key Question #1: Can FNF sustain or expand its 35.0% operating margin and 1.2% ROIC against Specialty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.10B and free cash flow of $5.73B, how will capital allocation balance growth reinvestment against $45.02B in total debt?
  • Key Question #3: How sensitive is FNF's 16.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.08x)?

FNF Live News Feed, Press Releases & Catalyst Wire

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

💬 Jump to FNF Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FNF Bull vs. Bear Conversation Board — What's Your Call at $42.18?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FNF 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FNF:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $47.40 (+17.0%)
📌 Pinned Debate

A 22% FCF yield and a Forensic Balance Sheet pillar score of 15/20 (Altman Z 2.5, Piotroski F 7/9) suggest cash generation and balance

The street is overcomplicating Fidelity National Financial Inc. (FNF). A 22% FCF yield and a Forensic Balance Sheet pillar score of 15/20 (Altman Z 2.5, Piotroski F 7/9) suggest cash generation and balance sheet strength may support the equity despite weak returns on capital.. With an RQD score of 59/100 (C-) and Forensic Balance Sheet at 15/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $43.75.

RetailWhale_TX 🐂 BULL

Both sides have a point here — FNF's 15/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $34.84 (-14.0%)
Spot @ $40.51

A 1.2% ROIC, net income falling from $1.27B to $602.0M, and a 9/20 macro regime fit score signal weak capital efficiency and elevated

A 1.2% ROIC, net income falling from $1.27B to $602.0M, and a 9/20 macro regime fit score signal weak capital efficiency and elevated sensitivity in a weak tape.. Look at the math on FNF: paying 17.9x trailing P/E for 1.2% ROIC and 35.0% operating margins leaves zero margin of safety if Specialty Insurers demand softens. I'd wait for a retest of $35.65 before getting long.

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