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MARKETS / NYSE / Financials / Insurance / FNF
NYSE · TITLE INSURANCE · LARGE CAP

Fidelity National Financial, Inc. FNF

18 fiscal years on record · USD · FY2025 reported · SEC filings only
4 YEARS OF DIVIDEND GROWTH
$14.4B
▲ 5.6% YoY
$602.0M
▼ 52.6% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

The company provides title insurance, escrow and other title-related services, including trust activities, trustee sales guarantees, recordings and reconveyances and home warranty, and provides transaction services to the real estate and mortgage industries. As of December 31, 2025, the company had three reporting segments. As a result of the 2025 F&G Distribution, the company owns approximately 70% of the common stock of F&G. Through its subsidiary ServiceLink Holdings, LLC, the company provides mortgage transaction services, including title-related services and facilitation of production and management of mortgage loans. Through its insurance subsidiaries, including Fidelity & Guaranty Life Insurance Company and Fidelity & Guaranty Life Insurance Company of New York, F&G markets a portfolio of deferred annuities, immediate annuities, indexed universal life insurance, funding agreements and pension risk transfer solutions. As of December 26, 2025, the company employed 24,535 full-time equivalent employees, including 22,790 in its Title segment, 1,171 in its F&G segment, and 574 in its Corporate and other segment.

Written from the business description in Fidelity National Financial, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 26 February 2026. Every sentence was checked against that document before publication.

Growth

USD 14.4B
Revenue, FY2025 · full 18-year series below
Revenue $B Net income $B
FY2025 · Revenue 14.4 · Net income 0.6
10B20B
2008201120142017202020232025
Compound annual growth
+7.7%
+6.0%
+8.0%
+6.8%
−22.5%
−15.9%
+1.3%
+3.3%
−22.1%
−15.0%
+4.5%
−13.3%
+11.8%
−0.2%
+6.4%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +6.0% a year over the five years to FY2025.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

5 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Net 4.7%
5%10%15%-2%-4%
200820162025
ROE
FY2025 · ROE 7.9%
10%20%30%-2%-4%-6%
200820162025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.
Gross margin·
Operating margin·
Net margin4.7%
EBITDA·

Each USD of equity produced 8 cents of profit this year.

Cash & shareholders

USD 680.0M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2014 · FCF 384.0
200M400M-30M-60M
200820162025
Net buybacks $B Dividends $B
FY2025 · Dividends 0.5 · Net buybacks 0.1
0.5B1.0B-0.5B-1.0BDividendsNet buybacks
2008201120142017202020232025
Dividends paidUSD 546.0M
Net buybacksUSD 134.0M
Share of profit113.0%
Consecutive raises4 years

USD 546.0M in dividends and USD 134.0M in buybacks — 113% of the year's profit, so the payout drew on cash built up earlier.

Total assetsUSD 109.0B
EquityUSD 7.4B
CashUSD 2.6B
Gross debtUSD 4.4B
Net debtUSD 1.8B

Net debt stands at 24% of equity.

The 18-year record

18 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
FNF, 18-year financial record
Metric 202520242023202220212020201920182017201620152014201320122011201020092008
Revenue $B14.413.711.811.615.710.88.57.67.77.36.78.07.46.74.85.45.54.3
Operating income $B◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
EBITDA $B◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Income tax $B0.80.40.20.40.80.30.30.10.20.30.30.30.20.20.10.20.1−0.1
Net income $B0.61.30.51.32.81.41.10.60.80.70.50.60.40.60.40.40.2−0.2
Free cash flow $B◌◌◌◌◌◌◌◌◌◌◌0.40.30.50.10.10.3−0.1
EPS, diluted $2.214.651.914.679.754.99◌◌◌◌◌◌◌2.691.651.610.97−0.85
Dividend / sh $2.021.941.831.771.56◌◌◌◌◌◌◌0.660.580.480.690.601.05
Payout %9142973816273252363742353921284261−125
ROE %7.917.37.916.731.520.821.213.814.811.19.010.58.415.410.511.07.2−6.3
Shares out B0.270.280.270.270.280.290.280.28◌◌◌◌◌◌◌◌◌◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

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Provenance

Company facts, as filed

How we verify · 0 failures in 46 reconciliationsAUDITED

Reconciled in 18 of the 18 fiscal years we could check. Two checks were skipped: the balance sheet is not tagged before 2009. One check was skipped: EPS is not tagged before 2008.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityTitle Insurance
Listed onNYSE
Incorporated innot stated in the filings
Fiscal year endsDecember 31
Data on record since2008

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