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
Debt/Capital0.310.32
Interest Expense35.034.0
Interest Coverage5.714.94


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)272.25274.34
Div / share0.250.21
EPS0.250.26
Book value / share21.9620.88
Institutional Own % n/a n/a
Avg Daily Volume1249764.01117894.0

Valuation


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.


Price/Earnings
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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
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.

 
Price/Book
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.

 
Price/Sales
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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