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Fidelity National FinancialFNF -4.49%71 Debt-to-Equity is 0.64 as of Jun. 2026, which is 45% above its 10-year median of 0.44. 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 405 Insurance companies, Fidelity National Financial ranks worse than 85.19% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Fidelity National Financial's Debt-to-Equity or its related term are showing as below:
FNF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.16 Med: 0.44 Max: 0.66
Current: 0.64
During the past 13 years, the highest Debt-to-Equity Ratio of Fidelity National Financial was 0.66. The lowest was 0.16. And the median was 0.44.
FNF's Debt-to-Equity is ranked worse than 85.19% of 405
companies
in the Insurance industry
Industry Median: 0.2
vs FNF: 0.64
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Fidelity National Financial Debt-to-Equity Related Terms
Fidelity National Financial Debt-to-Equity 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-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Fidelity National Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Fidelity National Financial's Debt-to-Equity 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 Debt-to-Equity of 0.64 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fidelity National Financial and its competitors. This is 45% above median its historical median of 0.44. Over the past decade, Fidelity National Financial's Debt-to-Equity has ranged from 0.16 to 0.66. According to the industry distribution chart, Fidelity National Financial ranks #345 out of 405 companies in the Insurance industry, placing it in the top 85.2%.
Is Fidelity National Financial's Debt-to-Equity too high?
Fidelity National Financial's current Debt-to-Equity of 0.64 is 45% above median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.66. The Insurance industry median Debt-to-Equity is 0.20. Fidelity National Financial's value of 0.64 is 220% above this industry median. Based on the distribution chart, Fidelity National Financial ranks #345 out of 405 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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-Equity compare to AXS and FAF?
According to the Insurance industry distribution chart, Fidelity National Financial ranks #345 out of 405 companies for Debt-to-Equity. This places Fidelity National Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Fidelity National Financial's value of 0.64 is 220% above this benchmark. Historically, Fidelity National Financial's own Debt-to-Equity has ranged from 0.16 to 0.66 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.20, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 405 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity National Financial's current Debt-to-Equity of 0.64 is 220% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fidelity National Financial and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity National Financial's current Debt-to-Equity is 0.64, which is 45% above median its own 10-year median of 0.44. 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-Equity is 0.64, which is 45% above median its 10-year median of 0.44 and 220% above the Insurance industry median of 0.20. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Fidelity National Financial (FNF), the current Debt-to-Equity 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 $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-Equity: 0.64 (45% above median its 10-year median of 0.44)
GF Value™: $56.02 vs. price of $50.18 (10.4% below fair value)
Industry Position: 220% above the Insurance median (#345 of 405)
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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