Advertisement
FAF vs FNF
FAF vs FNF Stock Comparison: Earnings Recap Amid Title Insurance Sector Momentum
Key Takeaways
- First American Financial (FAF) reported Q4 2025 adjusted EPS of $1.99, beating estimates by 33% with revenue up 22% to $2.0 billion.
- Fidelity National Financial (FNF) posted Q4 2025 adjusted EPS of $1.41, slightly missing estimates, but revenue rose 12% to $4.05 billion.
- FAF's title segment drove strong commercial revenue growth of 35%, highlighting resilience in real estate services.
- FNF showed scale advantages with larger revenue base, though GAAP net loss from non-cash tax charge impacted headline figures.
- Both offer attractive yields: FAF at 3.31%, FNF at 3.71%, with P/E ratios of 11.02 and 12.70 respectively.
- Recent earnings underscore sector tailwinds from housing recovery and investment income stability.
Earnings Context and Why This Comparison Matters
Both First American Financial Corporation (FAF) and Fidelity National Financial, Inc. (FNF) are leading providers of title insurance, settlement, and risk solutions critical to real estate transactions. These calendar-year companies compete directly in a cyclical sector sensitive to mortgage volumes, interest rates, and housing demand. Recent Q4 2025 earnings releases on February 11 and February 19 highlight divergent performances amid stabilizing home sales and commercial activity. Comparing them reveals insights into operational efficiency, growth drivers, and positioning for 2026, aiding investors in assessing relative value in a consolidating industry.
Fidelity National Financial (FNF) Focus
Fidelity National Financial released Q4 2025 results on February 19, reporting total revenue of $4.05 billion, up 12% from $3.62 billion in Q4 2024, beating consensus estimates by 9%. Adjusted net earnings reached $382 million or $1.41 per share, up from $1.34 year-over-year but missing the $1.51 estimate due to a $471 million non-cash deferred tax charge on F&G shares. GAAP net loss was $117 million or $0.43 per share. Full-year revenue hit $14.45 billion, with adjusted EPS of $4.97. Strength in title insurance and escrow fees offset softer residential demand, supported by steady investment income.
First American Financial (FAF) Context
First American Financial announced Q4 2025 earnings on February 11, with total revenue surging 22% to $2.0 billion from $1.69 billion prior year, topping estimates by 10%. Adjusted EPS of $1.99 crushed the $1.49 consensus by 33%, up 47% year-over-year, driven by robust title segment growth including 35% in commercial revenue. GAAP EPS was $2.05, bolstered by $15 million in net investment gains. Home warranty revenues rose 7% to $110 million. Full-year adjusted EPS reached $6.05. FAF's focus on data analytics and commercial expansion positions it well against peers.
Head-to-Head Earnings and Market Comparison
FAF delivered superior earnings quality with a massive beat and higher growth rates, reflecting efficient pretax margins around 14% and commercial outperformance. FNF's larger scale ($14.7B market cap vs. FAF's $6.8B) provided revenue stability, but the tax charge masked underlying adjusted growth. Both benefited from rising investment income amid higher rates, though residential title fees remained challenged. Risk exposure is similar: interest rate sensitivity and refinance dependence. Sentiment favors FAF's momentum (P/E 11.02, EPS TTM $6.04) over FNF (P/E 12.70, EPS TTM $4.27), with comparable dividends underscoring stability.
Trending AI Robots
Tickeron’s Trending AI Robots page showcases the platform's top-performing AI-powered trading bots under prevailing market conditions. Tickeron offers hundreds of AI bots scanning thousands of tickers across diverse strategies like trend-following, mean reversion, and momentum, with varying timeframes from intraday to long-term. Only the strongest, real-time performers based on metrics such as win rate, profit factor, and drawdown are curated here, providing transparent performance stats and backtests. This dynamic selection helps traders identify bots suited to stocks like FAF and FNF, adapting to volatility in financial services. Explore the page to deploy or monitor bots tailored to current trends.
Tickeron AI Verdict
Tickeron AI currently favors FAF with 65% probability over the next quarter, citing superior earnings beat, higher EPS growth, and commercial momentum despite FNF's scale. FAF's lower P/E and trend strength edge out FNF's stability amid sector recovery.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FAF is a Hold and FNF is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FAF’s FA Score shows that 1 FA rating(s) are green whileFNF’s FA Score has 2 green FA rating(s).
- FAF’s FA Score: 1 green, 4 red.
- FNF’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FAF’s TA Score shows that 4 TA indicator(s) are bullish while FNF’s TA Score has 4 bullish TA indicator(s).
- FAF’s TA Score: 4 bullish, 5 bearish.
- FNF’s TA Score: 4 bullish, 6 bearish.
Price Growth
FAF (@Specialty Insurance) experienced а +1.19% price change this week, while FNF (@Specialty Insurance) price change was +0.11% for the same time period.
The average weekly price growth across all stocks in the @Specialty Insurance industry was +2.54%. For the same industry, the average monthly price growth was -1.03%, and the average quarterly price growth was -9.99%.
Reported Earning Dates
FAF is expected to report earnings on Jul 22, 2026.
FNF is expected to report earnings on Aug 11, 2026.
Industries' Descriptions
@Specialty Insurance (+2.54% weekly)Specialty insurance typically caters to niche-markets, and covers items that are special or unique and/or items that are not typically covered under other insurance policies. Restoration or purchase of a one-of-a-kind collector’s item, high-value home, recreational vehicles, sailboat or even jet skis, horses and farms, all-terrain vehicle, funerals, museums and fine art collections are some examples– one or more of which are covered by a specialty insurance provider. In some cases, a specialty insurance could also complement someone’s existing auto, home and umbrella policies. Markel Corp, for Fidelity National Financial, Inc., Assurant, Inc. and Athene Holding Ltd. are examples of specialty insurance providers.
| FAF | FNF | FAF / FNF | |
| Capitalization | 6.83B | 12.8B | 53% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 9.977 | -12.218 | -82% |
| P/E Ratio | 10.31 | 16.87 | 61% |
| Revenue | 7.7B | 14.6B | 53% |
| Total Cash | N/A | 30.9B | - |
| Total Debt | 1.29B | 4.77B | 27% |
FAF | FNF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 16 Undervalued | 15 Undervalued | |
PROFIT vs RISK RATING 1..100 | 75 | 60 | |
SMR RATING 1..100 | 78 | 89 | |
PRICE GROWTH RATING 1..100 | 51 | 70 | |
P/E GROWTH RATING 1..100 | 98 | 30 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FNF's Valuation (15) in the Specialty Insurance industry is in the same range as FAF (16). This means that FNF’s stock grew similarly to FAF’s over the last 12 months.
FNF's Profit vs Risk Rating (60) in the Specialty Insurance industry is in the same range as FAF (75). This means that FNF’s stock grew similarly to FAF’s over the last 12 months.
FAF's SMR Rating (78) in the Specialty Insurance industry is in the same range as FNF (89). This means that FAF’s stock grew similarly to FNF’s over the last 12 months.
FAF's Price Growth Rating (51) in the Specialty Insurance industry is in the same range as FNF (70). This means that FAF’s stock grew similarly to FNF’s over the last 12 months.
FNF's P/E Growth Rating (30) in the Specialty Insurance industry is significantly better than the same rating for FAF (98). This means that FNF’s stock grew significantly faster than FAF’s over the last 12 months.
| FAF | FNF | |
|---|---|---|
| RSI ODDS (%) | 7 days ago 69% | 4 days ago 73% |
| Stochastic ODDS (%) | 4 days ago 60% | 4 days ago 67% |
| Momentum ODDS (%) | 4 days ago 61% | 4 days ago 51% |
| MACD ODDS (%) | 4 days ago 64% | 4 days ago 68% |
| TrendWeek ODDS (%) | 4 days ago 60% | 4 days ago 63% |
| TrendMonth ODDS (%) | 4 days ago 55% | 4 days ago 53% |
| Advances ODDS (%) | 4 days ago 58% | 4 days ago 66% |
| Declines ODDS (%) | 8 days ago 52% | 8 days ago 54% |
| BollingerBands ODDS (%) | 4 days ago 67% | 4 days ago 65% |
| Aroon ODDS (%) | 4 days ago 53% | 4 days ago 46% |
Advertisement
FAF and
Correlation & Price change
A.I.dvisor indicates that over the last year, FAF has been closely correlated with FNF. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if FAF jumps, then FNF could also see price increases.
| Ticker / NAME | Correlation To FAF | 1D Price Change % | ||
|---|---|---|---|---|
| FAF | 100% | +1.70% | ||
| FNF - FAF | 80% Closely correlated | +2.98% | ||
| NMIH - FAF | 51% Loosely correlated | +1.30% | ||
| ESNT - FAF | 49% Loosely correlated | +0.47% | ||
| ITIC - FAF | 48% Loosely correlated | +3.15% | ||
| AIZ - FAF | 45% Loosely correlated | +2.26% | ||
More | ||||
FNF and
Correlation & Price change
A.I.dvisor indicates that over the last year, FNF has been closely correlated with FAF. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNF jumps, then FAF could also see price increases.