Fidelity National Financial (HAM:F1EF) E10: €3.92 (As of Mar. 2026)


HAM:F1EF Fidelity National Financial Inc HAM:F1EF
72 GF Score
Price €40.20
GF Value €47.47
! 4 Warning Signs
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What is Fidelity National Financial E10?

Fidelity National Financial HAM:F1EF +1.52% 72 E10 is €3.92 as of Mar. 2026. GuruFocus rates HAM:F1EF with a GF Score™ of 72/100 and a GF Value™ of €47.47. The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Fidelity National Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.778. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €3.92 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Fidelity National Financial's average E10 Growth Rate was 5.10% per year. During the past 3 years, the average E10 Growth Rate was 4.60% per year. During the past 5 years, the average E10 Growth Rate was 9.60% per year. During the past 10 years, the average E10 Growth Rate was 13.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Fidelity National Financial was 20.50% per year. The lowest was -13.80% per year. And the median was 12.20% per year.

As of today (2026-06-30), Fidelity National Financial's current stock price is €40.20. Fidelity National Financial's E10 for the quarter that ended in Mar. 2026 was €3.92. Fidelity National Financial's Shiller PE Ratio of today is 10.26.

During the past 13 years, the highest Shiller PE Ratio of Fidelity National Financial was 24.74. The lowest was 8.04. And the median was 13.60.


Fidelity National Financial  (HAM:F1EF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Fidelity National Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=40.20/3.92
=10.26

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Fidelity National Financial was 24.74. The lowest was 8.04. And the median was 13.60.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Fidelity National Financial E10 Related Terms


Fidelity National Financial E10 Historical Data

* Premium members only.

The historical data trend for Fidelity National Financial's E10 can be seen below:

* 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 E10 Chart

Fidelity National Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 3.76

Fidelity National Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 3.76 3.92

HAM:F1EF vs AXS, FAF, ACT: E10 Comparison

For the Insurance - Specialty subindustry, Fidelity National Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Fidelity National Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Fidelity National Financial's Shiller PE Ratio falls into.


HAM:F1EF
72GF Score
Fidelity National Financial Inc HAM:F1EF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fidelity National Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Fidelity National Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.778/330.2130*330.2130
=0.778

Current CPI (Mar. 2026) = 330.2130.

Fidelity National Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.500 241.018 0.685
201609 0.399 241.428 0.546
201612 0.624 241.432 0.853
201703 0.234 243.801 0.317
201706 0.561 244.955 0.756
201709 0.520 246.819 0.696
201712 0.744 246.524 0.997
201803 0.284 249.554 0.376
201806 0.770 251.989 1.009
201809 0.728 252.439 0.952
201812 0.141 251.233 0.185
201903 0.655 254.202 0.851
201906 0.850 256.143 1.096
201909 0.817 256.759 1.051
201912 1.098 256.974 1.411
202003 -0.199 258.115 -0.255
202006 0.986 257.797 1.263
202009 1.095 260.280 1.389
202012 2.244 260.474 2.845
202103 1.747 264.877 2.178
202106 1.594 271.696 1.937
202109 2.185 274.310 2.630
202112 1.655 278.802 1.960
202203 1.280 287.504 1.470
202206 1.816 296.311 2.024
202209 1.333 296.808 1.483
202212 0.236 296.797 0.263
202303 -0.205 301.836 -0.224
202306 0.748 305.109 0.810
202309 1.471 307.789 1.578
202312 -0.229 306.746 -0.247
202403 0.837 312.332 0.885
202406 1.040 314.175 1.093
202409 0.874 315.301 0.915
202412 1.576 315.605 1.649
202503 0.277 319.799 0.286
202506 0.884 322.561 0.905
202509 1.133 324.800 1.152
202512 -0.367 324.054 -0.374
202603 0.778 330.213 0.778

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €3.92 mean?
Fidelity National Financial (HAM:F1EF) has a E10 of €3.92 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Fidelity National Financial and its competitors.
Is Fidelity National Financial's E10 too high?
Fidelity National Financial's current E10 is €3.92. Overall, Fidelity National Financial has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Fidelity National Financial's E10 compare to AXS and FAF?
Fidelity National Financial's E10 of €3.92 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Fidelity National Financial and its competitors. Fidelity National Financial's current E10 is €3.92. 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?
Fidelity National Financial (HAM:F1EF) has a current E10 of €3.92. The stock's GF Value™ is €47.47, compared to a current price of €40.20 — trading 15.3% below its estimated fair value. The current E10 is €3.92. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Fidelity National Financial (HAM:F1EF), the current E10 is €3.92 as of Mar. 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 (HAM:F1EF) Overvalued in 2026?

Based on GuruFocus' analysis, Fidelity National Financial stock appears to be undervalued. The current stock price of €40.20 is trading 15.3% below its estimated GF Value™ of €47.47.

Key valuation signals for HAM:F1EF:

  • E10: €3.92
  • GF Value™: €47.47 vs. price of €40.20 (15.3% below fair value)
  • GF Score™: 72/100 with 4 warning signs

No single metric tells the full story. See the HAM:F1EF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Fidelity National Financial Business Description

Other Exchanges FNF:USAF1EF:Germany
Address 601 Riverside Avenue, Jacksonville, FL, USA, 32204
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

Get the complete analysis for HAM:F1EF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€40.20
Price
€47.47
GF Value