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Fidelity National FinancialFNF -4.49%71 3-Year EBITDA Growth Rate is 2.70% as of Jun. 2026, which is 68% below its 10-year median of 8.50. 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 293 Insurance companies, Fidelity National Financial ranks worse than 76.11% on this metric.
During the past 12 months, Fidelity National Financial's average EBITDA Per Share Growth Rate was 16.00% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 2.70% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was -1.80% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 10.10% 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 average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Fidelity National Financial was 72.70% per year. The lowest was -40.10% per year. And the median was 8.50% per year.
Fidelity National Financial (NYSE:FNF) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Fidelity National Financial 3-Year EBITDA Growth Rate Related Terms
FNF vs AXS, FAF, ACT: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Specialty subindustry, Fidelity National Financial's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Fidelity National Financial's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Fidelity National Financial's 3-Year EBITDA Growth Rate falls into.
Fidelity National Financial 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 2.70% mean?
Fidelity National Financial (FNF) has a 3-Year EBITDA Growth Rate of 2.70% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Fidelity National Financial and its competitors. This is 68% below median its historical median of 8.50. According to the industry distribution chart, Fidelity National Financial ranks #223 out of 293 companies in the Insurance industry, placing it in the top 76.1%.
Is Fidelity National Financial's 3-Year EBITDA Growth Rate too high?
Fidelity National Financial's current 3-Year EBITDA Growth Rate of 2.70% is 68% below median its 10-year median of 8.50. The Insurance industry median 3-Year EBITDA Growth Rate is 16.90. Fidelity National Financial's value of 2.70% is 84% below this industry median. Based on the distribution chart, Fidelity National Financial ranks #223 out of 293 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 3-Year EBITDA Growth Rate compare to AXS and FAF?
According to the Insurance industry distribution chart, Fidelity National Financial ranks #223 out of 293 companies for 3-Year EBITDA Growth Rate. This places Fidelity National Financial in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 16.90. Fidelity National Financial's value of 2.70% is 84% below this benchmark. While the company's 10-year median is 8.50 vs. the industry median of 16.90, 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 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 16.90, based on 293 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity National Financial's current 3-Year EBITDA Growth Rate of 2.70% is 84% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Fidelity National Financial and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 16.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity National Financial's current 3-Year EBITDA Growth Rate is 2.70%, which is 68% below median its own 10-year median of 8.50. 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 3-Year EBITDA Growth Rate is 2.70%, which is 68% below median its 10-year median of 8.50 and 84% below the Insurance industry median of 16.90. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Fidelity National Financial (FNF), the current 3-Year EBITDA Growth Rate is 2.70% 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:
3-Year EBITDA Growth Rate: 2.70% (68% below median its 10-year median of 8.50)
GF Value™: $56.02 vs. price of $50.18 (10.4% below fair value)
Industry Position: 84% below the Insurance median (#223 of 293)
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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