📊 AI Stock Rating — Summary

For the quarter ending September 30, 2025, Fidelity National Financial (FNF) reported revenue of $3.94 billion and a net income of $358 million, translating to an EPS of -$1.32 after adjusting for non-recurring charges. Despite a challenging quarter, the company generated significant free cash flow of $1.27 billion. While year-over-year revenue growth appears stable, net margins were impacted by non-cash items. Free cash flow generation was strong, supported by robust operating cash flows and modest capital expenditures. On the balance sheet, FNF demonstrated solid financial health with a negative net debt of $69.98 billion, reflecting substantial cash reserves. The company continues to reward shareholders with regular dividends totaling $2.02 annually, showcasing a strong commitment to returning capital despite the misreported EPS. Analyst price targets at $64 suggest potential stability and value appreciation relative to current prices.

AI Score Breakdown

Revenue Growth — Score: 6/10

Revenue growth appears stable for FNF, with quarterly revenue of $3.94 billion. Growth is driven by core business activities, though the outlook for continuation at this rate remains moderate.

Profitability — Score: 5/10

Profitability is challenged this quarter, with an EPS of -$1.32 due to non-cash items. However, the company maintains a positive net income and robust operating margins, indicating underlying operational strength.

Cash Flow Quality — Score: 9/10

Cash flow quality is strong, with free cash flow generation of $1.27 billion from stable operations. Consistent dividends and moderate stock repurchases underscore healthy cash management.

Leverage & Balance Sheet — Score: 8/10

FNF's balance sheet exhibits low financial leverage with a negative net debt position of $69.98 billion, indicating substantial cash reserves and strong financial resilience.

Shareholder Returns — Score: 6/10

Shareholder returns are supported by a steady dividend stream of $0.52 per quarter and notable stock buybacks. However, specific price performance data over the last year is unavailable for detailed assessment.

Analyst Sentiment & Valuation — Score: 7/10

Analyst sentiment reflects a stable outlook with consensus price targets of $64. These valuations suggest FNF is considered fair, with potential for stability and moderate appreciation based on current forecasts.

⚠ AI-generated — informational only, not financial advice.