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Fidelity National FinancialFNF -4.49%71 Debt-to-EBITDA is 1.92 as of Jun. 2026, which is 68% above its 10-year median of 1.14. GuruFocus rates FNF with a GF Score™ of 71/100 and a GF Value™ of $56.02 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 320 Insurance companies, Fidelity National Financial ranks worse than 61.56% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Fidelity National Financial's Debt-to-EBITDA or its related term are showing as below:
FNF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.58 Med: 1.14 Max: 2.93
Current: 1.67
During the past 13 years, the highest Debt-to-EBITDA Ratio of Fidelity National Financial was 2.93. The lowest was 0.58. And the median was 1.14.
FNF's Debt-to-EBITDA is ranked worse than 61.56% of 320
companies
in the Insurance industry
Industry Median: 1.21
vs FNF: 1.67
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Fidelity National Financial Debt-to-EBITDA Related Terms
Fidelity National Financial Debt-to-EBITDA 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.
For the Insurance - Specialty subindustry, Fidelity National Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Fidelity National Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Fidelity National Financial's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Fidelity National Financial (FNF) has a Debt-to-EBITDA of 1.92 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Fidelity National Financial. This is 68% above median its historical median of 1.14. Over the past decade, Fidelity National Financial's Debt-to-EBITDA has ranged from 0.58 to 2.93. According to the industry distribution chart, Fidelity National Financial ranks #197 out of 320 companies in the Insurance industry, placing it in the top 61.6%.
Is Fidelity National Financial's Debt-to-EBITDA too high?
Fidelity National Financial's current Debt-to-EBITDA of 1.92 is 68% above median its 10-year median of 1.14. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 2.93. The Insurance industry median Debt-to-EBITDA is 1.21. Fidelity National Financial's value of 1.92 is 58.7% above this industry median. Based on the distribution chart, Fidelity National Financial ranks #197 out of 320 companies in the Insurance industry, which is below the industry midpoint. Overall, Fidelity National Financial has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity National Financial's Debt-to-EBITDA compare to AXS and FAF?
According to the Insurance industry distribution chart, Fidelity National Financial ranks #197 out of 320 companies for Debt-to-EBITDA. This places Fidelity National Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 1.21. Fidelity National Financial's value of 1.92 is 58.7% above this benchmark. Historically, Fidelity National Financial's own Debt-to-EBITDA has ranged from 0.58 to 2.93 over the past decade. While the company's 10-year median is 1.14 vs. the industry median of 1.21, Fidelity National Financial has consistently been above 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 Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.21, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity National Financial's current Debt-to-EBITDA of 1.92 is 58.7% above 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Fidelity National Financial. For the Insurance industry, the median Debt-to-EBITDA is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity National Financial's current Debt-to-EBITDA is 1.92, which is 68% above median its own 10-year median of 1.14. 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 $56.02, compared to a current price of $50.18 — trading 10.4% below its estimated fair value. The current Debt-to-EBITDA is 1.92, which is 68% above median its 10-year median of 1.14 and 58.7% above the Insurance industry median of 1.21. Fidelity National Financial's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Fidelity National Financial (FNF), the current Debt-to-EBITDA is 1.92 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 $50.18 is trading 10.4% below its estimated GF Value™ of $56.02.
GuruFocus considers Fidelity National Financial to be Modestly Undervalued.
Key valuation signals for FNF:
Debt-to-EBITDA: 1.92 (68% above median its 10-year median of 1.14)
GF Value™: $56.02 vs. price of $50.18 (10.4% below fair value)
Industry Position: 58.7% above the Insurance median (#197 of 320)
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.
71GF Score
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