ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Fidelity National Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was €841 Mil.
Fidelity National Financial's average Total Assets over the quarter that ended in Mar. 2026 was €94,772 Mil. Therefore, Fidelity National Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 0.89%.
The historical rank and industry rank for Fidelity National Financial's ROA % or its related term are showing as below:
HAM:F1EF'
s ROA % Range Over the Past 10 Years
Min: 0.59 Med: 4.62 Max: 10.63
Current: 0.72
During the past 13 years, Fidelity National Financial's highest ROA % was 10.63%. The lowest was 0.59%. And the median was 4.62%.
HAM:F1EF's ROA % is ranked worse than 78.28% of 511
companies
in the Insurance industry
Industry Median: 2.73
vs HAM:F1EF: 0.72
Fidelity National Financial (HAM:F1EF) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Fidelity National Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Fidelity National Financial's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Fidelity National Financial (HAM:F1EF) has a ROA % of 0.89% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Fidelity National Financial and its competitors. This is 81% below median its historical median of 4.62. Over the past decade, Fidelity National Financial's ROA % has ranged from 0.59 to 10.63. According to the industry distribution chart, Fidelity National Financial ranks #400 out of 511 companies in the Insurance industry, placing it in the top 78.3%.
Is Fidelity National Financial's ROA % too high?
Fidelity National Financial's current ROA % of 0.89% is 81% below median its 10-year median of 4.62. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 10.63. The Insurance industry median ROA % is 2.73. Fidelity National Financial's value of 0.89% is 67.4% below this industry median. Based on the distribution chart, Fidelity National Financial ranks #400 out of 511 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Fidelity National Financial has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Fidelity National Financial's ROA % compare to AXS and FAF?
According to the Insurance industry distribution chart, Fidelity National Financial ranks #400 out of 511 companies for ROA %. This places Fidelity National Financial in the lower half of its industry. The industry median ROA % is 2.73. Fidelity National Financial's value of 0.89% is 67.4% below this benchmark. Historically, Fidelity National Financial's own ROA % has ranged from 0.59 to 10.63 over the past decade. While the company's 10-year median is 4.62 vs. the industry median of 2.73, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.73, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity National Financial's current ROA % of 0.89% is 67.4% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Fidelity National Financial and its competitors. For the Insurance industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity National Financial's current ROA % is 0.89%, which is 81% below median its own 10-year median of 4.62. 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?
Fidelity National Financial (HAM:F1EF) has a current ROA % of 0.89%. The stock's GF Value™ is €47.65, compared to a current price of €39.60 — trading 16.9% below its estimated fair value. The current ROA % is 0.89%, which is 81% below median its 10-year median of 4.62 and 67.4% below the Insurance industry median of 2.73. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Fidelity National Financial (HAM:F1EF), the current ROA % is 0.89% 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 (HAM:F1EF) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity National Financial stock appears to be undervalued.
The current stock price of €39.60 is trading 16.9% below its estimated GF Value™ of €47.65.
Key valuation signals for HAM:F1EF:
ROA %: 0.89% (81% below median its 10-year median of 4.62)
GF Value™: €47.65 vs. price of €39.60 (16.9% below fair value)
Industry Position: 67.4% below the Insurance median (#400 of 511)
No single metric tells the full story. See the HAM: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.
72GF Score
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