Fidelity National FinancialFRA:F1EF -1.92%69 Interest Coverage is 9.16 as of Mar. 2026, which is 47% below its 10-year median of 17.24. GuruFocus rates FRA:F1EF with a GF Score™ of 69/100 and a GF Value™ of €48.01 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 351 Insurance companies, Fidelity National Financial ranks worse than 67.81% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Fidelity National Financial's
EBIT
for the
three
months ended in Mar. 2026 was €484 Mil. Fidelity National Financial's Interest Expense for the
three
months ended in Mar. 2026 was €-53 Mil.
Fidelity National Financial's interest coverage for the quarter that ended in Mar. 2026 was 9.16.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Fidelity National Financial's Interest Coverage or its related term are showing as below:
FRA:F1EF'
s Interest Coverage Range Over the Past 10 Years
Min: 4.98 Med: 17.24 Max: 32.21
Current: 8.34
FRA:F1EF's Interest Coverage is ranked worse than 67.81% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs FRA:F1EF: 8.34
Fidelity National Financial (FRA:F1EF) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Fidelity National Financial Interest Coverage Related Terms
Fidelity National Financial Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Fidelity National Financial Interest Coverage Chart
FRA:F1EF vs AXS, FAF, ACT: Interest Coverage Comparison
For the Insurance - Specialty subindustry, Fidelity National Financial's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Fidelity National Financial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Fidelity National Financial's Interest Coverage falls into.
Fidelity National Financial Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (FRA:F1EF) has a Interest Coverage of 9.16 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Fidelity National Financial and its competitors. This is 47% below median its historical median of 17.24. Over the past decade, Fidelity National Financial's Interest Coverage has ranged from 4.98 to 32.21. According to the industry distribution chart, Fidelity National Financial ranks #238 out of 351 companies in the Insurance industry, placing it in the top 67.8%.
Is Fidelity National Financial's Interest Coverage too high?
Fidelity National Financial's current Interest Coverage of 9.16 is 47% below median its 10-year median of 17.24. Over the past 10 years, this metric has ranged from a low of 4.98 to a high of 32.21. The Insurance industry median Interest Coverage is 16.23. Fidelity National Financial's value of 9.16 is 43.6% below this industry median. Based on the distribution chart, Fidelity National Financial ranks #238 out of 351 companies in the Insurance industry, which is below the industry midpoint. Overall, Fidelity National Financial has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity National Financial's Interest Coverage compare to AXS and FAF?
According to the Insurance industry distribution chart, Fidelity National Financial ranks #238 out of 351 companies for Interest Coverage. This places Fidelity National Financial in the lower half of its industry. The industry median Interest Coverage is 16.23. Fidelity National Financial's value of 9.16 is 43.6% below this benchmark. Historically, Fidelity National Financial's own Interest Coverage has ranged from 4.98 to 32.21 over the past decade. While the company's 10-year median is 17.24 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity National Financial's current Interest Coverage of 9.16 is 43.6% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Fidelity National Financial and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity National Financial's current Interest Coverage is 9.16, which is 47% below median its own 10-year median of 17.24. 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 (FRA:F1EF) is currently considered Modestly Undervalued. The stock's GF Value™ is €48.01, compared to a current price of €40.80 — trading 15% below its estimated fair value. The current Interest Coverage is 9.16, which is 47% below median its 10-year median of 17.24 and 43.6% below the Insurance industry median of 16.23. Fidelity National Financial's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Fidelity National Financial (FRA:F1EF), the current Interest Coverage is 9.16 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 (FRA:F1EF) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity National Financial stock appears to be undervalued.
The current stock price of €40.80 is trading 15% below its estimated GF Value™ of €48.01.
GuruFocus considers Fidelity National Financial to be Modestly Undervalued.
Key valuation signals for FRA:F1EF:
Interest Coverage: 9.16 (47% below median its 10-year median of 17.24)
GF Value™: €48.01 vs. price of €40.80 (15% below fair value)
Industry Position: 43.6% below the Insurance median (#238 of 351)
No single metric tells the full story. See the FRA:F1EF 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.
69GF Score
Get the complete analysis for FRA:F1EF
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:F1EF has been successfully added to your 
