Fidelity National Financial Inc

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FNF : NYSE : Financial
$31.95 0.0 | 0.0%
Today's Range: 31.88 - 32.085
Avg. Daily Volume: 1583500.0
12/02/16 - 1:30 PM ET

Financial Analysis


FIDELITY NATL FINL FNF GROUP's gross profit margin for the third quarter of its fiscal year 2016 is essentially unchanged 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.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 1.43% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)2518.02403.0
EBITDA ($mil)420.0385.0
EBIT ($mil)307.0283.0
Net Income ($mil)156.0132.0


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)2074.02059.0
Total Assets ($mil)14386.014036.0
Total Debt ($mil)2754.02811.0
Equity ($mil)5875.05792.0


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin16.6816.02
EBITDA Margin16.6716.02
Operating Margin12.1911.78
Sales Turnover0.650.64
Return on Assets3.935.57
Return on Equity9.6313.32
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.320.33
Interest Expense35.034.0
Interest Coverage8.778.32


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)271.9277.52
Div / share0.210.21
EPS0.580.53
Book value / share21.6120.87
Institutional Own % n/a n/a
Avg Daily Volume1404222.01261902.0

Valuation


BUY. The current P/E ratio indicates a significant discount compared to an average of 27.67 for the Insurance industry and a discount compared to the S&P 500 average of 25.16. For additional comparison, its price-to-book ratio of 1.55 indicates a discount versus the S&P 500 average of 2.79 and a discount versus the industry average of 1.56. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, FIDELITY NATL FINL FNF GROUP proves to trade at a discount 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 16.53 Peers 27.67   FNF 9.06 Peers 13.95

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

FNF is trading at a significant discount to its peers.

 

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

FNF is trading at a significant discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
FNF 12.71 Peers 16.47   FNF 0.55 Peers 1.14

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

FNF is trading at a discount to 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 1.55 Peers 1.56   FNF 17.44 Peers -6.60

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

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

 

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

FNF is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
FNF 0.97 Peers 1.36   FNF 4.33 Peers 9.31

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 significant discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

FNF significantly trails its peers on the basis of sales growth

 

 

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