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Fidelity National FinancialFNF -4.49%71 Equity-to-Asset is 0.07 as of Jun. 2026, which is 56% below its 10-year median of 0.16. 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 505 Insurance companies, Fidelity National Financial ranks worse than 84.16% on this metric.
Fidelity National Financial (NYSE:FNF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Fidelity National Financial Equity-to-Asset Related Terms
Fidelity National Financial Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Fidelity National Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Fidelity National Financial's Equity-to-Asset falls into.
Fidelity National Financial Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Fidelity National Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.07 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Fidelity National Financial and its competitors. This is 56% below median its historical median of 0.16. Over the past decade, Fidelity National Financial's Equity-to-Asset has ranged from 0.07 to 0.50. According to the industry distribution chart, Fidelity National Financial ranks #425 out of 505 companies in the Insurance industry, placing it in the top 84.2%.
Is Fidelity National Financial's Equity-to-Asset too high?
Fidelity National Financial's current Equity-to-Asset of 0.07 is 56% below median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.50. The Insurance industry median Equity-to-Asset is 0.26. Fidelity National Financial's value of 0.07 is 73.1% below this industry median. Based on the distribution chart, Fidelity National Financial ranks #425 out of 505 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 Equity-to-Asset compare to AXS and FAF?
According to the Insurance industry distribution chart, Fidelity National Financial ranks #425 out of 505 companies for Equity-to-Asset. This places Fidelity National Financial in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Fidelity National Financial's value of 0.07 is 73.1% below this benchmark. Historically, Fidelity National Financial's own Equity-to-Asset has ranged from 0.07 to 0.50 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity National Financial's current Equity-to-Asset of 0.07 is 73.1% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Fidelity National Financial and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity National Financial's current Equity-to-Asset is 0.07, which is 56% below median its own 10-year median of 0.16. 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 Equity-to-Asset is 0.07, which is 56% below median its 10-year median of 0.16 and 73.1% below the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Fidelity National Financial (FNF), the current Equity-to-Asset is 0.07 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:
Equity-to-Asset: 0.07 (56% below median its 10-year median of 0.16)
GF Value™: $56.02 vs. price of $50.18 (10.4% below fair value)
Industry Position: 73.1% below the Insurance median (#425 of 505)
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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