NYSE: FNF · Specialty Insurance
Fidelity National Financial (FNF) fair value and price range
As of 31 Oct 2026, Faircurve's model values Fidelity National Financial (FNF) at $54.85 a share. The stock last closed at $41.39, which puts the model's fair value 32.5% above the price. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
Revalued . Price is the close of 3 Nov 2026. Fidelity National Financial, Inc.
The report adds the live price, the price chart, the next earnings date and the analysts' consensus. No account needed.
This week, in three parts
What happenedThe run of 31 Oct 2026 held the fair value at $54.85, within 1% of the run of 24 Oct 2026.
What the model makes of itThe price of $41.39 is 32.5% below it. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What's nextReports on 5 Nov 2026. The next weekly run is on Saturday 7 Nov 2026.
What price range does the model give FNF?
The calibrated range for FNF over 63 trading days is $44.43 to $65.52. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 10,454 past valuations, refreshed 31 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The price is below this range. For names with fair value 30%+ above price, the calibrated range has held the price 23% of the time over 63 trading days, and 76% ended below it; the typical move was +0.7%.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $48.96 to $60.92. In 99% of the simulations the fair value came out above the price the model ran on.
Faircurve Insights · 31 Oct 2026
Fidelity National Financial, Inc., or FNF, is a leading provider of various insurance solutions and related services across the United States. The company structures its operations into three primary divisions: Title, F&G, and Corporate and Other.
Faircurve's model put the fair value of FNF at $54.85 a share on 31 Oct 2026, the midpoint of 2,000 simulations. The previous run, on 24 Oct 2026, gave $54.79, so the model's fair value moved +0.1%. The calibrated range over 63 trading days is $44.43 to $65.52. The range is built from the fair value, since there is no live options data for the stock. It is calibrated weekly against realised prices, using 10,454 past valuations. Ranges built this way held the price 60% of the time at this horizon. The model grades the evidence behind this valuation as low, so no verdict is shown.
The sheet does not give a quality score or factor measures for FNF, so this note cannot report how the business scores against its peers. The model compares FNF with First American Financial Corporation (FAF) and Employers Holdings, Inc. (EIG). Six other comparable companies have no verdict on this date: Enact Holdings Inc. (ACT), Essent Group Ltd. (ESNT), MGIC Investment Corporation (MTG), Radian Group Inc. (RDN), NMI Holdings, Inc. (NMIH) and Assured Guaranty Ltd. (AGO).
Written from the figures on this page for the 31 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
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When does FNF report earnings, and how has the stock reacted?
Fidelity National Financial's next earnings report is scheduled for 5 Nov 2026. Companies can move their dates.
Around its last 3 reports: what the options market priced, and what followed
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across FNF's last 8 reports, ignoring direction, was 1.9%.
Earlier reports are left out: the options record is on a different share basis.
How does FNF compare with similar companies?
The companies in specialty insurance closest to Fidelity National Financial in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| FAF First American Financial Corporation | $64.97 | $62.41 | -3.9% | Fairly valued |
| ACT Enact Holdings Inc. | $47.50 | $50.47 | +6.3% | Low evidence grade |
| ESNT Essent Group Ltd. | $67.71 | $82.42 | +21.7% | Low evidence grade |
| MTG MGIC Investment Corporation | $28.64 | $35.38 | +23.5% | Low evidence grade |
| RDN Radian Group Inc. | $35.84 | $47.84 | +33.5% | Low evidence grade |
| NMIH NMI Holdings, Inc. | $43.31 | $55.61 | +28.4% | Low evidence grade |
| AGO Assured Guaranty Ltd. | $71.29 | $66.24 | -7.1% | Low evidence grade |
| EIG Employers Holdings, Inc. | $47.35 | $22.85 | -51.7% | Overvalued |
Fidelity National Financial at a glance
Fidelity National Financial, Inc., or FNF, is a leading provider of various insurance solutions and related services across the United States. The company structures its operations into three primary divisions: Title, F&G, and Corporate and Other.
- Market value
- $10.9B
- Sector
- Financial Services
- Industry
- Specialty Insurance
- Consensus revenue growth, next fiscal year
- +1.8%
- Analysts with estimates
- 3
- Beta to the US market
- 0.14
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Fidelity National Financial on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 24 Oct 2026 the model's fair value for FNF was $54.79. As of 31 Oct 2026 it is $54.85, a change of +0.1%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Fidelity National Financial's valuation
Is Fidelity National Financial stock undervalued or overvalued?
Faircurve's model puts FNF's fair value at $54.85 a share against a last close of $41.39, as of 31 Oct 2026. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What is FNF's fair value?
$54.85 a share as of 31 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $48.96 to $60.92.
What price range does the model give FNF?
$44.43 to $65.52 over 63 trading days. Ranges built this way held the price 60% of the time across 10,454 past valuations, refreshed 31 Oct 2026.
When does Fidelity National Financial report earnings next?
The next report is scheduled for 5 Nov 2026. Companies can move their dates.
How much has FNF moved on past earnings reports?
Across its last 8 reports the median two session move was 1.9%, ignoring direction. The largest was -7.1% around the report of 7 May 2025.
How confident is the model in this valuation?
The model's evidence grade for FNF is low. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.
The model's own ideas on FNF
The model holds no idea open on FNF today. Signed-in readers see the rule each idea runs on, the floor and the exit level the model set and its time limit, and the model's closed ideas on FNF with their outcomes. A free account is enough.