Fidelity National Financial Inc

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FNF : NYSE : Financial
$36.91 up 0.06 | 0.16%
Today's Range: 36.44 - 37.17
Avg. Daily Volume: 1,285,500
09/30/16 - 4:01 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. ($mil)2251.02020.0
Total Assets ($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)272.7279.57
Div / share0.210.19
EPS0.670.56
Book value / share21.321.27
Institutional Own % n/a n/a
Avg Daily Volume1282178.01258990.0

Valuation


BUY. The current P/E ratio indicates a significant discount compared to an average of 42.04 for the Insurance industry and a discount compared to the S&P 500 average of 24.89. Conducting a second comparison, its price-to-book ratio of 1.73 indicates a discount versus the S&P 500 average of 2.79 and a premium versus the industry average of 1.53. 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 18.71 Peers 42.04   FNF 11.02 Peers 11.59

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 13.92 Peers 14.60   FNF 0.63 Peers 1.96

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 1.73 Peers 1.53   FNF 20.85 Peers -5.49

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.

 

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 1.09 Peers 1.38   FNF 6.74 Peers 4.39

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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