NASDAQ · STOCK
Fidelity National Financial
$51.60
52W $42.78 – $59.21
51/100
$13.89B
18.3
1.01
Is FNF Bullish or Bearish?
Mixed.
Innellis AI committee rates Fidelity National Financial (FNF) Watch with a composite score of 51/100
, based on 7 analysts with 43% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +9.02 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -10.98 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. News Analyst sees a compelling case — news sentiment is positive (+0.25 across 4 articles, 14d). Growth Analyst remains cautious — eps declining -30.4% yoy despite any revenue growth. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Dividend yield of 4.0% pays you to wait — Value
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.25 across 4 articles, 14d) — News
Bear Case
- EPS declining -30.4% YoY despite any revenue growth — Growth
- 2 consecutive earnings misses -- execution concerns — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Current ratio of 0.35 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
51/100
Agreement
43%
Analysts
7
Conviction
Contested
Sector Rank
Top 88%
of 141 Financial Services peers
Value Analyst
neutral
58
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
+ Dividend yield of 4.0% pays you to wait
Growth Analyst
bearish
35
/ 100 · High confidence
Growth story is weak, decelerating, or inconsistent
− EPS declining -30.4% YoY despite any revenue growth
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.35 is tight -- limited short-term liquidity cushion
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.25 across 4 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 52.0 to 51.0.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
52.2
Neutral
MACD Histogram
0.118
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Lh Ll
Support
$51.02
Resistance
$52.85
Bollinger %B
0.64
Inside Bands
Price vs Moving Averages
EMA 9
$51.80
Below
EMA 21
$50.76
Above
EMA 50
$49.69
Above
EMA 200
$51.53
Above
Fundamental Analysis
Valuation
93
Growth
17
Profitability
0
Financial Health
46
Cash Flow
37
Valuation
P/E Ratio
18.3×
P/B Ratio
1.91×
PEG Ratio
-0.60
Dividend Yield
0.04%
52W High
$59.21
52W Low
$42.78
Quality & Growth
ROE
8.1%
ROA
0.5%
Gross Margin
74.2%
Operating Margin
12.0%
Revenue Growth YoY
—
Debt / Equity
0.66
AI Fundamental Assessment
P/E ratio of 18.3 (inexpensive relative to a 15-40x range); Price-to-book of 1.9x; PEG ratio of -0.6 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.1%; Gross margin of 0.7%; Current ratio of 0.00 (tight short-term liquidity); Debt-to-equity of 0.66; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (21.62); Most recent quarter missed estimates by 10.9%; 2 consecutive earnings misses; EPS growth decelerating (-13.5% -> -34.0% QoQ); Analyst estimates falling over recent quarters
Get the Full FNF Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →