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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Fidelity National Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
FNF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.22 Med: 0.61 Max: 1.18
Current: 0.22
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Fidelity National Financial was 1.18. The lowest was 0.22. And the median was 0.61.
FNF's Price-to-Projected-FCF is ranked better than 92.46% of 398
companies
in the Insurance industry
Industry Median: 0.75
vs FNF: 0.22
Fidelity National Financial (NYSE:FNF) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Fidelity National Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
44.335
/
198.88047969362
=
0.22
* 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 Intrinsic Value: Projected FCF Related Terms
Fidelity National Financial Intrinsic Value: Projected FCF Historical Data
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The historical data trend for Fidelity National Financial's Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF Chart
FNF vs RYAN, FAF, AXS: Intrinsic Value: Projected FCF Comparison
For the Insurance - Specialty subindustry, Fidelity National Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Fidelity National Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Fidelity National Financial's Price-to-Projected-FCF falls into.
Fidelity National Financial Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $198.88 mean?
Fidelity National Financial (FNF) has a Intrinsic Value: Projected FCF of $198.88 as of Sep. 11, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Fidelity National Financial and its competitors. According to the industry distribution chart, Fidelity National Financial ranks #30 out of 398 companies in the Insurance industry, placing it in the top 7.5%.
Is Fidelity National Financial's Intrinsic Value: Projected FCF too high?
Fidelity National Financial's current Intrinsic Value: Projected FCF is $198.88. The Insurance industry median Intrinsic Value: Projected FCF is 0.75. Fidelity National Financial's value of $198.88 is 26417.3% above this industry median. Based on the distribution chart, Fidelity National Financial ranks #30 out of 398 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 Intrinsic Value: Projected FCF compare to RYAN and FAF?
According to the Insurance industry distribution chart, Fidelity National Financial ranks #30 out of 398 companies for Intrinsic Value: Projected FCF. This places Fidelity National Financial in the top 8% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.75. Fidelity National Financial's value of $198.88 is 26417.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.75, based on 398 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity National Financial's current Intrinsic Value: Projected FCF of $198.88 is 26417.3% above 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Fidelity National Financial and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity National Financial's current Intrinsic Value: Projected FCF is $198.88. 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 $58.41, compared to a current price of $44.34 — trading 24.1% below its estimated fair value. The current Intrinsic Value: Projected FCF is $198.88 and 26417.3% above the Insurance industry median of 0.75. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Fidelity National Financial (FNF), the current Intrinsic Value: Projected FCF is $198.88 as of Sep. 11, 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 $44.34 is trading 24.1% below its estimated GF Value™ of $58.41.
GuruFocus considers Fidelity National Financial to be Modestly Undervalued.
Key valuation signals for FNF:
Intrinsic Value: Projected FCF: $198.88
GF Value™: $58.41 vs. price of $44.34 (24.1% below fair value)
Industry Position: 26417.3% above the Insurance median (#30 of 398)
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
Get the complete analysis for FNF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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