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Fidelity National FinancialFNF +0.41%72 Cash-to-Debt is 0.64 as of Jun. 2026, which is 17% below its 10-year median of 0.77. GuruFocus rates FNF with a GF Score™ of 72/100 and a GF Value™ of $58.41 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 496 Insurance companies, Fidelity National Financial ranks worse than 71.57% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Fidelity National Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.64.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Fidelity National Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Fidelity National Financial's Cash-to-Debt or its related term are showing as below:
FNF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.39 Med: 0.77 Max: 1.8
Current: 0.64
During the past 13 years, Fidelity National Financial's highest Cash to Debt Ratio was 1.80. The lowest was 0.39. And the median was 0.77.
FNF's Cash-to-Debt is ranked worse than 71.57% of 496
companies
in the Insurance industry
Industry Median: 2.115
vs FNF: 0.64
Fidelity National Financial (NYSE:FNF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Fidelity National Financial Cash-to-Debt Related Terms
Fidelity National Financial Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Specialty subindustry, Fidelity National Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Fidelity National Financial Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Fidelity National Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Fidelity National Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Fidelity National Financial (FNF) has a Cash-to-Debt of 0.64 as of Jun. 2026. This is 17% below median its historical median of 0.77. Over the past decade, Fidelity National Financial's Cash-to-Debt has ranged from 0.39 to 1.80. According to the industry distribution chart, Fidelity National Financial ranks #355 out of 496 companies in the Insurance industry, placing it in the top 71.6%.
Is Fidelity National Financial's Cash-to-Debt too high?
Fidelity National Financial's current Cash-to-Debt of 0.64 is 17% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.80. The Insurance industry median Cash-to-Debt is 2.12. Fidelity National Financial's value of 0.64 is 69.7% below this industry median. Based on the distribution chart, Fidelity National Financial ranks #355 out of 496 companies in the Insurance industry, which is below the industry midpoint. Overall, Fidelity National Financial has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity National Financial's Cash-to-Debt compare to RYAN and FAF?
According to the Insurance industry distribution chart, Fidelity National Financial ranks #355 out of 496 companies for Cash-to-Debt. This places Fidelity National Financial in the lower half of its industry. The industry median Cash-to-Debt is 2.12. Fidelity National Financial's value of 0.64 is 69.7% below this benchmark. Historically, Fidelity National Financial's own Cash-to-Debt has ranged from 0.39 to 1.80 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 2.12, Fidelity National Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.12, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity National Financial's current Cash-to-Debt of 0.64 is 69.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity National Financial's current Cash-to-Debt is 0.64, which is 17% below median its own 10-year median of 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity National Financial stock overvalued right now?
Based on GuruFocus' analysis, Fidelity National Financial (FNF) is currently considered Modestly Undervalued. The stock's GF Value™ is $58.41, compared to a current price of $44.13 — trading 24.4% below its estimated fair value. The current Cash-to-Debt is 0.64, which is 17% below median its 10-year median of 0.77 and 69.7% below the Insurance industry median of 2.12. Fidelity National Financial's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Fidelity National Financial (FNF), the current Cash-to-Debt is 0.64 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Fidelity National Financial (FNF) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity National Financial stock appears to be undervalued.
The current stock price of $44.13 is trading 24.4% below its estimated GF Value™ of $58.41.
GuruFocus considers Fidelity National Financial to be Modestly Undervalued.
Key valuation signals for FNF:
Cash-to-Debt: 0.64 (17% below median its 10-year median of 0.77)
GF Value™: $58.41 vs. price of $44.13 (24.4% below fair value)
Industry Position: 69.7% below the Insurance median (#355 of 496)
No single metric tells the full story. See the FNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fidelity National Financial Inc is a provider of (i) title insurance, escrow and other title-related services, including trust activities, trustee sales guarantees, recordings and reconveyances and home warranty and (ii) transaction services to the real estate and mortgage industries. It operates in three segments: Title, F&G, Corporate and Other. The title segment that derives the majority of revenue consists of the operations of title insurance underwriters and related businesses, which provide title insurance and escrow and other title-related services including trust activities, trustee sales guarantees, and home warranty products. All of the company's revenue is generated in the United States.
72GF Score
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