Fidelity National Financial Inc

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FNF : NYSE : Financial
$37.76 -0.45 | -1.20%
Today's Range: 37.61 - 38.50
Avg. Daily Volume: 1,370,700
07/26/16 - 3:59 PM ET

Financial Analysis


FIDELITY NATL FINL FNF GROUP's gross profit margin for the second quarter of its fiscal year 2016 has increased when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has remained virtually unchanged only decreasing by 2.32% from the same quarter last year.

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Income Statement Q2 FY16 Q2 FY15
Net Sales ($mil)2482.02404.0
EBITDA ($mil)443.0399.0
EBIT ($mil)341.0295.0
Net Income ($mil)197.0170.0


Balance Sheet Q2 FY16 Q2 FY15
Cash & Equiv. ($mil)0.02020.0
Total Assets ($mil)14438.014397.0
Total Debt ($mil)2785.02829.0
Equity ($mil)5809.05947.0


Profitability Q2 FY16 Q2 FY15
Gross Profit Margin17.8516.6
EBITDA Margin17.8416.59
Operating Margin13.7412.27
Sales Turnover0.640.6
Return on Assets3.755.22
Return on Equity9.3312.67
Debt Q2 FY16 Q2 FY15
Current Ratio0.00.0
Debt/Capital0.320.32
Interest Expense33.032.0
Interest Coverage10.339.22


Share Data Q2 FY16 Q2 FY15
Shares outstanding (mil)274.34279.57
Div / share0.210.19
EPS0.670.56
Book value / share21.1721.27
Institutional Own % n/a n/a
Avg Daily Volume1360999.01110439.0

Valuation


BUY. This stock's P/E ratio indicates a premium compared to an average of 15.99 for the Insurance industry and a discount compared to the S&P 500 average of 25.05. Conducting a second comparison, its price-to-book ratio of 1.77 indicates a discount versus the S&P 500 average of 2.81 and a premium versus the industry average of 1.55. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount. After reviewing these and other key valuation criteria, FIDELITY NATL FINL FNF GROUP proves to trade at a premium to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
FNF 19.04 Peers 15.99   FNF NA Peers 12.79

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

FNF is trading at a premium to its peers.

 

Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures.

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
FNF 14.24 Peers 14.71   FNF 0.83 Peers 1.76

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

FNF is trading at a valuation on par with its peers.

 

Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

FNF trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
FNF 1.77 Peers 1.55   FNF 20.85 Peers 39.96

Premium. A higher price-to-book ratio makes a stock less attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

FNF is trading at a premium to its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, FNF is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
FNF 1.12 Peers 1.45   FNF 6.74 Peers -2.98

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

FNF is trading at a discount to its industry on this measurement.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

FNF has a sales growth rate that significantly exceeds its peers.

 

 

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