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
Interest Expense33.032.0
Interest Coverage10.339.22

Share Data Q2 FY16 Q2 FY15
Shares outstanding (mil)272.7279.57
Div / share0.210.19
Book value / share21.321.27
Institutional Own % n/a n/a
Avg Daily Volume1282178.01258990.0


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.

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.

1 2 3 4 5
premium   discount
  Price to
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.

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.

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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