Fidelity National FinancialFNF +1.30%72 EV-to-FCF is 3.06 as of Jun. 28, 2026, which is 45% below its 10-year median of 5.55. GuruFocus rates FNF with a GF Score™ of 72/100 and a GF Value™ of $56.20 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 395 Insurance companies, Fidelity National Financial ranks better than 83.29% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Fidelity National Financial's Enterprise Value is $16,668 Mil.
Fidelity National Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $5,451 Mil. Therefore, Fidelity National Financial's EV-to-FCF for today is 3.06.
The historical rank and industry rank for Fidelity National Financial's EV-to-FCF or its related term are showing as below:
FNF'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.91 Med: 5.55 Max: 18.56
Current: 3.06
During the past 13 years, the highest EV-to-FCF of Fidelity National Financial was 18.56. The lowest was 1.91. And the median was 5.55.
FNF's EV-to-FCF is ranked better than 83.29% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs FNF: 3.06
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Fidelity National Financial (NYSE:FNF) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Fidelity National Financial's PE Ratio (TTM) for today is calculated as:
Fidelity National Financial's share price for today is $46.71.
Fidelity National Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.820.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Fidelity National Financial EV-to-FCF Related Terms
Fidelity National Financial EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Fidelity National Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Fidelity National Financial's EV-to-FCF falls into.
Fidelity National Financial's current Enterprise Value is $16,668 Mil.
Fidelity National Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5,451 Mil.
* 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 EV-to-FCF of 3.06 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Fidelity National Financial and its competitors. This is 45% below median its historical median of 5.55. Over the past decade, Fidelity National Financial's EV-to-FCF has ranged from 1.91 to 18.56. According to the industry distribution chart, Fidelity National Financial ranks #66 out of 395 companies in the Insurance industry, placing it in the top 16.7%.
Is Fidelity National Financial's EV-to-FCF too high?
Fidelity National Financial's current EV-to-FCF of 3.06 is 45% below median its 10-year median of 5.55. Over the past 10 years, this metric has ranged from a low of 1.91 to a high of 18.56. The Insurance industry median EV-to-FCF is 9.32. Fidelity National Financial's value of 3.06 is 67.2% below this industry median. Based on the distribution chart, Fidelity National Financial ranks #66 out of 395 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Fidelity National Financial has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity National Financial's EV-to-FCF compare to AXS and FAF?
According to the Insurance industry distribution chart, Fidelity National Financial ranks #66 out of 395 companies for EV-to-FCF. This places Fidelity National Financial in the top 17% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.32. Fidelity National Financial's value of 3.06 is 67.2% below this benchmark. Historically, Fidelity National Financial's own EV-to-FCF has ranged from 1.91 to 18.56 over the past decade. While the company's 10-year median is 5.55 vs. the industry median of 9.32, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity National Financial's current EV-to-FCF of 3.06 is 67.2% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Fidelity National Financial and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity National Financial's current EV-to-FCF is 3.06, which is 45% below median its own 10-year median of 5.55. 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 $56.20, compared to a current price of $46.71 — trading 16.9% below its estimated fair value. The current EV-to-FCF is 3.06, which is 45% below median its 10-year median of 5.55 and 67.2% below the Insurance industry median of 9.32. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Fidelity National Financial (FNF), the current EV-to-FCF is 3.06 as of Jun. 28, 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 $46.71 is trading 16.9% below its estimated GF Value™ of $56.20.
GuruFocus considers Fidelity National Financial to be Modestly Undervalued.
Key valuation signals for FNF:
EV-to-FCF: 3.06 (45% below median its 10-year median of 5.55)
GF Value™: $56.20 vs. price of $46.71 (16.9% below fair value)
Industry Position: 67.2% below the Insurance median (#66 of 395)
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.
72GF Score
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