Stock Ratings / Financials / FAF / financials

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First American Corporation (FAF) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$63.82 +0.16% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $63.72

First American Corporation (FAF) carries a Roarable Rating of D+ (Sell) with 57/100 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.

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $6.51B

📤 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 FAF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FAF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, First American Corporation (NYSE: FAF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $63.82 (+0.16% 1D, market cap $6.51B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, FAF ranks #506 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FAF compare to ACT and HGTY in the Financials sector?

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Within the Financials sector (Specialty Insurers), FAF carries a Roarable D+ (57/100 RQD), trailing P/E of 10.5x, gross margin of —, and ROIC of 7.0%. By comparison, ACT (Enact Holdings Inc.) holds a B grade (73/100 RQD, P/E 9.8x, ROIC 12.6%, cap $6.61B) and HGTY (Hagerty Inc. (Class A)) posts a B grade (75/100 RQD, P/E 37.5x, ROIC 67.4%, cap $5.60B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while HGTY leads on capital efficiency (67.4% 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 FAF?

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Per FAF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001472787), First American Corporation generated $7.45B in revenue (+21.6% YoY), $621.8M in net income, and $615.5M in free cash flow against $16.23B in total assets and $4.82B 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: $63.72 (-0.16%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 8.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury 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 SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-0.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FAF)Realized 20D OHLCV Swing Band: ±5.4%

Deterministic 5-Pillar Attribution (57/100 Composite)

🔍 WHY FAF SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (30% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (26% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$62.17+6.6% Next Q

Q2 (-2Q)

Grade C-$66.26-2.8% Next Q

Q3 (-1Q)

Grade C-$64.39-0.9% Next Q

Current

Grade D+$63.82-0.2% Hist 90D α

Trajectory: D (49) → D+ (57)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 FAF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 57/100 (D+) score, FAF faces multiple-compression risk if 10.5x 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 (-2.64% 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 ($67.21) or 200D SMA ($67.45) invalidates the momentum regime and cuts Target Base ($63.53) toward Bear Floor ($49.55).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FAF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FAF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 57%NO 43%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How FAF Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$615.5M (8.3% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $6.00B

FY24

Rev $6.13B

FY25

Rev $7.45B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$7.45B	52%	9.8%	$621.8M	$615.5M	6.5%
FY 2024	$6.13B	52%	2.5%	$131.1M	$621.7M	1.6%
FY 2023	$6.00B	52%	4.3%	$216.8M	$84.1M	4.6%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FAF)

✓Walkthrough of FAF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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FAF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -6.57%▼ DESCENDING CHANNEL

2026-11-02O $63.55H $63.82L $63.55C $63.82VOL 1.30M

RES: $72.10SUP: $56.03SMA50: $67.21SMA200: $67.45

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 FAF Butterfly Map → + Track FAF →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

-0.2%/yr Implied 5Y Growth

vs. +21.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FAF 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 (FAF)

Financials Rank #506 of 1096 ⚔️ ACT vs FAF Full Matrix →

1. Head-to-Head Financials Peer Comparison (FAF vs. ACT, HGTY, BWIN, ARX)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First American Corporation (FAF) ranks #506 by composite RQD confidence (57/100, grade D+) and #236 by equity capitalization ($6.51B). Within this direct 5-issuer industry benchmark cohort, ACT leads on earnings valuation at 9.8x trailing P/E, while HGTY leads on capital efficiency and profitability with 67.4% ROIC and — gross margin. HGTY currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with FAF at 57/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FAF ACTIVE First American Corporation	D+	57/100	10.5x	—	7.0%	+0.16%	$6.51B	Benchmark Subject
ACT Enact Holdings Inc.	B	73/100	9.8x	—	12.6%	-1.83%	$6.61B	/act-vs-faf →
HGTY Hagerty Inc. (Class A)	B	75/100	37.5x	—	67.4%	+0.78%	$5.60B	/hgty-vs-faf →
BWIN The Baldwin Insurance Group Inc.	D	46/100	—	—	3.6%	+0.31%	$4.44B	/bwin-vs-faf →
ARX Accelerant Holdings (Class A)	C	64/100	—	—	—	0.00%	$4.30B	/arx-vs-faf →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001472787

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First American Corporation (FAF) reported GAAP revenue of $7.45B (+21.6% vs. FY2024 revenue of $6.13B , and +24.1% cumulative change since FY2023) , GAAP net income of $621.8M, operating cash flow of $950.8M, and free cash flow of $615.5M (-1.0% YoY). On the balance sheet, FAF closed FY2025 with $16.23B in total assets against $4.82B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 9/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$7.45B	$621.8M	$950.8M	$615.5M	$16.23B	$4.82B
FY2024 (FY)	2024-12-31	$6.13B	$131.1M	$897.5M	$621.7M	$14.91B	$4.49B
FY2023 (FY)	2023-12-31	$6.00B	$216.8M	$354.3M	$84.1M	$7.20B	$1.69B

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

How does FAF compare to ACT and HGTY in the Financials sector?

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

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

FAF last traded at $63.82 (+0.16% on volume of 1,069,500 shares), positioning the stock -5.04% below its 50-day simple moving average ($67.21) and -5.38% below its 200-day simple moving average ($67.45). Across its 52-week range of $56.20 to $79.87, FAF sits at the 32.2% percentile with a 14-day RSI of 44.4 (NEUTRAL RANGE) and an implied next-earnings move of ±5.4% ($60.37 to $67.27).

FAF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is First American Corporation (FAF)?

In FY 2025 (10-K), FAF converted $7.5B of revenue into a 52% gross margin, 9.8% operating margin, and $615.5M in free cash flow (8.3% FCF margin).

Direct Sub-Reports: FAF RQD Cockpit FAF 12M Forecast FAF Earnings & Move FAF Dividends & DRIP FAF Insiders & 13F FAF Whale Options FAF Profit Sankey FAF News & Why

ROARABLE RATING BRIEF • RQD 57/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

FAF — First American Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:19:02Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, FAF scores 57 out of 100, a D+ grade labeled "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine at 12/20 (ROIC 7%; FCF yield 9.46%), Whale 13F Flow at 6/20 (institutional accumulation and options positioning), Insider Conviction at 17/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 7/20 (Beta 0.97; sector sensitivity), and Forensic Balance Sheet at 15/20 (Altman Z 2.5; Piotroski F 9/9; Debt/Equity 0.5). The strongest pillar is insider conviction, and the weakest are institutional flow and macro fit. For a prospective investor, the upside case rests on the 9.46% FCF yield and the forensic balance sheet, which the rating treats as relatively sound. The valuation tradeoff is that the 8.8 forward P/E and 9.2 EV/EBITDA are paired with a 7% ROIC, and the rating's overall verdict is to trim rather than add. This is an analytical summary of the rating's components, not personalized advice.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
$63.72	$6.51B	10.5	8.8	9.2	6.09	3.43%	0.97	$56.2 - $79.87	7%

Business

First American Corporation (New) is a NYSE-listed issuer classified in the Financials sector and Specialty Insurers industry, per the profile section. The source data does not describe its products, customer base, or revenue model. Revenue and operating income are reported in the financials section, but their business drivers are not available in source data.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$7452.2M	$733.7M	$621.8M	N/A	$615.5M	$1387.3M	$4817.0M
FY 2024	$6128.1M	$154.7M	$131.1M	N/A	$621.7M	$1718.1M	$4491.7M
FY 2023	$6003.5M	$255.8M	$216.8M	N/A	$84.1M	N/A	$1685.8M

Per the SEC financials, net income rose from $131.1M in FY 2024 to $621.8M in FY 2025, and operating income moved from $154.7M to $733.7M over the same span. Market data reports a 10.2% operating margin and an 8.3% net margin, with gross margin shown as 0%. The Roarable rating cites an Altman Z of 2.5 and a Piotroski F of 9/9, and market data lists debt-to-equity of 0.5. Cash declined from $1718.1M in FY 2024 to $1387.3M in FY 2025, while debt rose from $4491.7M to $4817.0M.

Recent Catalysts & News Wire Analysis

Per the recent news section, five items reference FAF. Headlines from Yahoo Finance, TradingView, and Stock Traders Daily are tagged as market wire with a yellow flag and contain generic coverage language without specific facts. Two items are tagged as catalysts with green flags, reporting that shares gained 1.33% to $65.58 on a put-call ratio spike and on advance-decline volume. One TradingView item reports that commercial strength lifted adjusted EPS while residential demand stayed weak and platform investment accelerated. Risk watch items include the weak residential demand noted in that report and the price move from $65.58 to the current $63.72 quoted in market data. The butterfly supply-chain graph reports no supply chain and no proprietary signals.

Open Questions

What share of FY 2025 revenue and operating income came from commercial versus residential operations, and how does that mix compare to prior years?
Why did cash decline and debt increase between FY 2024 and FY 2025, and what did the company use the borrowing for?
What is the reason for the gap between the 9.46% FCF yield and the 7% ROIC, and which figure better reflects capital efficiency?
What specific platform investments were referenced in the news coverage, and what are their expected costs and timing?
Which institutional holders and insiders account for the accumulation signals in the rating, and what are the sizes and dates of those trades?

FAF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First American Corporation (FAF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FAF Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 11h ago

First American Corporation (New (FAF) Stock Forecasts

Yahoo Finance report covering First American Corporation (FAF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 14h ago

First American Corporation (New) Estimates – NYSE:FAF

TradingView report covering First American Corporation (FAF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Traders Daily • 17h ago

How First American Corporation (new) (FAF) Affects Rotational Strategy Timing

Stock Traders Daily report covering First American Corporation (FAF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST https://www.siam.in/ • 20h ago

First American Corporation (FAF) Ticks Higher: Shares Gain 1.33% to $65.58 - PCR Spike

https://www.siam.in/ report covering First American Corporation (FAF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

FAF: Commercial strength lifted adjusted EPS as residential demand stayed weak and platform investment accelerated

TradingView report covering First American Corporation (FAF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 1d ago

First American Corporation (FAF) Climbs 2.04% to $62.17 as Shares Approach Upper Resistance Band - Symmetrical Triangle

https://www.siam.in/ report covering First American Corporation (FAF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Traders Daily • 1d ago

(FAF) as a Liquidity Pulse for Institutional Tactics

Stock Traders Daily report covering First American Corporation (FAF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5h ago

First American Chief Technology Officer Jody Mulkey Named a HousingWire 2026 Tech Trendsetter

SANTA ANA, Calif., November 02, 2026--First American Financial Corporation (NYSE: FAF), a premier provider of title, settlement, and risk solutions for real estate transactions and the leader in the digital transformatio

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FAF Bull vs. Bear Conversation Board — What's Your Call at $63.82?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FAF 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $68.82 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is FAF (D+ • RQD 57/100) a Buy at $63.72?

Welcome to the FAF (First American Corporation) Roar Pit. Current RQD Composite is 57/100 (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.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $47.79 (-25.0%)

Spot @ $63.72

Pump the brakes on FAF — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on FAF, but look at what you are paying: 10.5x trailing P/E with tightening sector spreads. Unless First American Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $75.19 (+18.0%)

Spot @ $63.72

FAF cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on FAF, the market is fixating on short-term headline noise in Specialty Insurers and ignoring the balance sheet and cash flow trajectory. At $63.72 (52-wk range $56.20 - $79.87), any beat on forward guidance forces shorts and underweight funds to chase.