FNF · NYSE · STOCK
Fidelity National Financial (FNF) Stock Analysis
$42.55
52W $42.32 – $58.57
55/100
$11.43B
14.7
0.98
Is FNF Bullish or Bearish?
Mixed.
Innellis AI committee rates Fidelity National Financial (FNF) Watch with a composite score of 55/100
, based on 6 analysts with 33% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.47 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.53 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Technical Analyst remains cautious — price structure making lower highs and lower lows. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 14.7 is inexpensive for the broad market — Value
- Dividend yield of 4.3% pays you to wait — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- EPS declining -27.1% YoY despite any revenue growth — Growth
- Price structure making lower highs and lower lows — Technical
- RSI at 18 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- Price structure (HH_HL) contradicts the downtrend -- mixed signals — Technical
- Weekly RSI at 21 -- oversold on the larger timeframe too — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 22, 2026
Overall Committee Score
55/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 89%
of 211 Financial Services peers
Value Analyst
bullish
68
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 14.7 is inexpensive for the broad market
Growth Analyst
neutral
57
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
− EPS declining -27.1% YoY despite any revenue growth
Technical Analyst
bearish
34
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− Price structure making lower highs and lower lows
Risk Analyst
bearish
35
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.35 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
54
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 52.0 to 54.5.
- New bearish signals: 2 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
18.0
Oversold
MACD Histogram
-0.199
Bearish Momentum
Trend Direction
Downtrend
Weekly: Sideways
Market Structure
Hh Hl
Support
$41.75
Resistance
$42.52
Bollinger %B
0.12
Inside Bands
Price vs Moving Averages
EMA 9
$43.56
Below
EMA 21
$45.08
Below
EMA 50
$46.90
Below
EMA 200
$50.11
Below
Fundamental Analysis
Valuation
100
Growth
62
Profitability
43
Financial Health
97
Cash Flow
70
Valuation
P/E Ratio
14.7×
P/B Ratio
1.52×
PEG Ratio
-0.54
Dividend Yield
4.90%
52W High
$58.57
52W Low
$42.32
Quality & Growth
ROE
810.9%
ROA
55.2%
Gross Margin
7787.4%
Operating Margin
1304.2%
Revenue Growth YoY
—
Debt / Equity
0.64
AI Fundamental Assessment
P/E ratio of 14.7 (inexpensive relative to a 15-40x range); Price-to-book of 1.5x; PEG ratio of -0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 8.1%; Return on assets of 0.6%; Net margin of 5.1%; Gross margin of 77.9%; Current ratio of 1890.80 (healthy short-term liquidity); Debt-to-equity of 0.64; Free cash flow per share is positive (21.69); Most recent quarter beat estimates by 3.1%; EPS growth accelerating (-34.0% -> +49.5% QoQ); Average YoY EPS growth of 19.8%; Analyst estimates falling over recent quarters
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