FNF stock slips as valuation gap to fair value widens
Published on 09/05/2026 at 08:47 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS
FNF stock, tied to Fidelity National Financial (ISIN US31620R1059), closed at USD 45.78 on September 4, 2026, marking a 3.2 percent decline for the day according to a valuation overview by GuruFocus. The same data set shows a 52-week trading range between USD 42.78 and USD 59.19, underscoring that the latest price is closer to the lower end of the past year’s corridor as investors reassess the title insurance group’s prospects.
Valuation discount and recent share performance
According to a detailed GuruFocus valuation snapshot for Fidelity National Financial, the platform’s GF Value metric currently stands at USD 57.87 per share. With the stock at USD 45.78 on September 4, 2026, this implies a discount of about 20.9 percent relative to that fair value gauge, a gap that can attract value-oriented investors but also reflects caution about the earnings trajectory and interest-rate sensitivity of the business.
The same GuruFocus analysis notes that the share price move on September 4, 2026 left FNF near the lower part of its 52-week band between USD 42.78 and USD 59.19. For investors, this concrete comparison between the most recent closing price and the high-low range helps frame the risk-reward profile: at USD 45.78, the stock is only USD 3.00 above its 52-week low but USD 13.41 below its 52-week high, showing more downside proximity than upside in simple price terms.
Latest revenue, profit and cash-flow figures
Beyond the share performance, market participants are watching the fundamental picture. A statistics and valuation page compiled by StockAnalysis for Fidelity National Financial reports that, over the last 12 months, the company generated revenue of USD 14.06 billion and net income of USD 1.17 billion. For the same trailing period, earnings per share came in at USD 4.29, giving investors a sense of the profit per share against which the current price of USD 45.78 can be judged on a price-earnings basis.
The StockAnalysis breakdown further shows gross profit of USD 7.70 billion and operating income of USD 1.87 billion over the last 12 months, highlighting that a significant portion of revenue translates into operating profit before interest and taxes. EBITDA is listed at USD 2.62 billion, while pretax income stands at USD 1.63 billion for the period, figures that help investors compare FNF with other financial and insurance peers that may have different leverage and margin profiles.
Cash generation is another key focus. The same compiled statistics indicate that Fidelity National Financial had operating cash flow of USD 5.82 billion over the last 12 months and capital expenditures of USD 143.00 million, yielding free cash flow of USD 5.67 billion. For a company in the title insurance and related financial services space, such a level of free cash flow provides room for dividends, debt management and potential share buybacks, even if headline earnings fluctuate with transaction volumes in the real-estate market.
Balance sheet, debt position and earnings calendar
From a balance-sheet perspective, the StockAnalysis data set notes that Fidelity National Financial holds around USD 4.88 billion in cash and carries approximately USD 4.78 billion in debt. Net cash is therefore reported at around negative USD 1.56 billion, or negative USD 5.73 per share, indicating that the company is modestly leveraged but not heavily burdened in the context of its USD 14.06 billion in trailing revenue and strong operating cash flows.
The same overview points out that, based on current estimates, the next earnings date for FNF is scheduled for February 19, 2026, after market close. While this calendar entry is derived from analyst and data-provider expectations rather than a fresh company announcement, it offers investors a provisional timeline for the next set of official figures that could update revenue, margins and cash-flow trends and potentially narrow or widen the observed valuation gap.
More on Fidelity National Financial stock
Investors who want to track further news, filings and price movements for FNF can find additional coverage and background information via our dedicated topic page.
Title insurance operations and transaction-driven revenues
Fidelity National Financial is best known for its extensive title insurance operations, which are closely tied to real-estate transactions such as home purchases, refinancings and commercial property deals. When transaction volumes rise, the company’s revenue from issuing title policies and related escrow and closing services typically increases, while slower housing markets and weaker refinancing activity can weigh on fee income. The reported USD 14.06 billion of trailing 12-month revenue underscores the scale at which FNF is currently operating in these transaction-driven businesses.
In addition to core title insurance, the group participates in ancillary services such as mortgage-related document preparation and other closing support, helping to diversify its revenue stream across different stages of the property transaction process. The strong free cash flow of USD 5.67 billion over the last 12 months, as summarized by StockAnalysis, suggests that the business model converts a meaningful portion of revenues into cash after necessary investments, even amid cyclical swings in housing demand.
Stock level and investor perspective
For investors following FNF stock, the closing level of USD 45.78 on September 4, 2026, as reported by GuruFocus, is the practical reference point in the current market. At that price, the shares trade about 20.9 percent below the GF Value estimate of USD 57.87 and sit just USD 3.00 above the 52-week low of USD 42.78, while remaining USD 13.41 under the 52-week high of USD 59.19. This combination of valuation discount and proximity to the lower end of the range frames the ongoing debate between those who see upside potential and those who remain cautious about interest-rate and housing-cycle risks in the title insurance sector.
FNF stock at a glance
- Company: Fidelity National Financial Inc.
- ISIN: US31620R1059
- Ticker: FNF
- Trading venue: NYSE
- Price (as of September 4, 2026): 45.78 USD
- Market capitalization: 24.43 billion USD (as of September 4, 2026)
- Sector / Industry: Financials / Insurance
- Index membership: S&P 500
- Next earnings date: February 19, 2026
