Fidelity National Financial Inc

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FNF : NYSE : Financial
$44.69 -0.06 | -0.13%
Today's Range: 44.57 - 44.74
Avg. Daily Volume: 1277300.0
06/29/17 - 9:53 AM ET

Financial Analysis

FIDELITY NATL FINL FNF GROUP's gross profit margin for the first quarter of its fiscal year 2017 has increased when compared to the same period a year ago. Even though sales increased, the net income has decreased.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 4.40% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)2221.02051.0
EBITDA ($mil)312.0268.0
EBIT ($mil)200.0168.0
Net Income ($mil)72.074.0

Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)2309.02084.0
Total Assets ($mil)14178.013943.0
Total Debt ($mil)2722.02742.0
Equity ($mil)5979.05727.0

Profitability Q1 FY17 Q1 FY16
Gross Profit Margin14.0513.07
EBITDA Margin14.0413.06
Operating Margin9.08.19
Sales Turnover0.690.66
Return on Assets4.573.69
Return on Equity10.838.99
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Interest Expense35.034.0
Interest Coverage5.714.94

Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)272.25274.34
Div / share0.250.21
Book value / share21.9620.88
Institutional Own % n/a n/a
Avg Daily Volume1249764.01117894.0


BUY. The current P/E ratio indicates a significant discount compared to an average of 29.38 for the Insurance industry and a discount compared to the S&P 500 average of 25.75. Conducting a second comparison, its price-to-book ratio of 2.01 indicates a discount versus the S&P 500 average of 3.09 and a premium versus the industry average of 1.86. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount. The valuation analysis reveals that, FIDELITY NATL FINL FNF GROUP seems to be trading at a discount to investment alternatives within the industry.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
FNF 18.95 Peers 29.38   FNF 11.18 Peers 11.30

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.


Average. 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 valuation on par to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
FNF 15.60 Peers 15.81   FNF 2.77 Peers 2.04

Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.

FNF is trading at a premium to its peers.


Premium. 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 premium to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
FNF 2.01 Peers 1.86   FNF 25.26 Peers 20.77

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 exceeds its peers.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
FNF 1.24 Peers 1.48   FNF 6.34 Peers 12.58

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.


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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