FNF vs FAF Stock Comparison: AI Score, Valuation, Performance and Upside
Fidelity National Financial and First American are both leading title insurance companies whose core businesses rise and fall with real estate transaction volume, though Fidelity National also holds a stake in an annuity and life insurance business while First American has built out a data and analytics offering.
Fidelity National Financial offers title insurance exposure alongside diversification into annuity and life insurance, while First American offers title insurance exposure alongside a growing data and analytics business. Consider whether you prefer Fidelity National's insurance diversification or First American's data-driven complementary revenue stream.
FAF holds the edge across 3 of 5 key metrics in this comparison. FAF has delivered stronger 1-year price return (+1.43% vs -27.89%), though FNF has the better forward P/E setup (8.04x vs 10.12x for FAF). FAF leads on both revenue growth (15.00%) and operating margin (15.57%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for FNF (+31.93%) than for FAF (+17.30%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to a leading title insurance franchise with real estate transaction sensitivity
- Believe the annuity and life insurance segment adds useful diversification
- Value scale advantages in underwriting and claims management
- Are comfortable with order volumes tied closely to mortgage rate conditions
- Want exposure to a leading title insurance franchise with real estate transaction sensitivity
- Believe the data and analytics business provides a useful complementary revenue stream
- Value deep relationships across the real estate and mortgage lending industries
- Are comfortable with order volumes tied closely to mortgage rate conditions
| Metric | FNF | FAF |
|---|---|---|
| AI scorei | 38.1 | 39.4 |
| AI ranki | #1343 | #1206 |
| Latest closei | $40.28 | $63.72 |
| 1M returni | -2.14% | -0.48% |
| 3M returni | -22.63% | -15.64% |
| 6M returni | -22.98% | -9.14% |
| 1Y returni | -27.89% | +1.43% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | FNF | FAF |
|---|---|---|
| 1Y ago | $7.33K (-26.7%) started 2025-10-29 | $10.38K (+3.8%) started 2025-10-29 |
| 5Y ago | $8.74K (-12.6%) started 2021-10-29 | $8.71K (-12.9%) started 2021-10-29 |
| 10Y ago | $16.16K (+61.6%) started 2016-10-31 | $16.31K (+63.1%) started 2016-10-31 |
Hypothetical — past performance does not guarantee future results.
| Metric | FNF | FAF |
|---|---|---|
| Market capi | $12.48B | $7.63B |
| Trailing P/Ei | 16.22 | 10.37 |
| Forward P/Ei | 8.04 | 10.12 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 0.94 | 0.95 |
| Analyst targeti | $61.40 | $87.67 |
| Target upsidei | +31.93% | +17.30% |
| Metric | FNF | FAF |
|---|---|---|
| Revenue growthi | 10.50% | 15.00% |
| Earnings growthi | 5.80% | 50.40% |
| EPS growthi | +5.80% | +50.40% |
| FCF margini | +23.38% | +29.28% |
| Operating margini | 10.67% | 15.57% |
| Profit margini | 5.03% | 9.33% |
| ROIC proxyi | 10.21% | 13.85% |
| Return on equityi | 10.21% | 13.85% |
| Dividend yieldi | 4.52% | 2.99% |
| Payout ratioi | 71.53% | 31.88% |
| Dividend growth streaki | N/A | N/A |
| Betai | 0.99 | 1.24 |
| Debt/equityi | 54.30 | 49.42 |
| Current ratioi | 0.94 | 0.40 |
| Quick ratioi | 0.14 | 0.40 |
Over the past year, FNF and FAF have moved strongly in the same direction (correlation of 0.77), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | FNF | FAF |
|---|---|---|---|
| 1Y | Growthi | -26.70% | +3.81% |
| CAGRi | -26.73% | +3.82% | |
| Volatilityi | 27.42% | 30.04% | |
| Sharpe ratioi | -1.16 | 0.13 | |
| Sortino ratioi | -1.53 | 0.18 | |
| Max drawdowni | 35.09% | 23.27% | |
| Current drawdowni | 32.35% | 19.50% | |
| Avg drawdowni | 16.06% | 6.70% | |
| Ulcer Indexi | 18.60% | 9.00% | |
| Max daily dropi | 6.10% | 8.96% | |
| Max wkly dropi | 10.06% | 13.42% | |
| 5Y | Growthi | -12.56% | -12.88% |
| CAGRi | -2.65% | -2.72% | |
| Volatilityi | 26.56% | 27.94% | |
| Sharpe ratioi | -0.14 | -0.12 | |
| Sortino ratioi | -0.18 | -0.17 | |
| Max drawdowni | 41.96% | 45.11% | |
| Current drawdowni | 39.51% | 20.98% | |
| Avg drawdowni | 18.08% | 23.61% | |
| Ulcer Indexi | 21.52% | 25.15% | |
| Max daily dropi | 8.53% | 8.96% | |
| Max wkly dropi | 14.65% | 15.42% | |
| 10Y | Growthi | +61.57% | +63.13% |
| CAGRi | +4.92% | +5.02% | |
| Volatilityi | 28.55% | 29.17% | |
| Sharpe ratioi | 0.16 | 0.16 | |
| Sortino ratioi | 0.21 | 0.22 | |
| Max drawdowni | 56.63% | 50.13% | |
| Current drawdowni | 39.51% | 20.98% | |
| Avg drawdowni | 14.83% | 17.39% | |
| Ulcer Indexi | 19.47% | 20.68% | |
| Max daily dropi | 20.07% | 21.01% | |
| Max wkly dropi | 43.05% | 42.44% |
| Category | FNF | FAF |
|---|---|---|
| Company | Fidelity National Financial, Inc. | First American Financial Corporation |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Specialty | Insurance - Specialty |
| Core business | A title insurance company providing title insurance and escrow services for real estate transactions, alongside an investment in annuity and life insurance products through a majority-owned subsidiary. | A title insurance company providing title insurance and settlement services for real estate transactions, along with a smaller data and analytics business serving the real estate and mortgage industries. |
| Investor focus | Title insurance order volume trends tied to home sales and mortgage refinancing activity, and performance of its annuity and life insurance segment. | Title insurance order volume trends tied to real estate transaction activity, and growth in its data and analytics offerings. |
- Leading market share position in title insurance provides scale advantages in underwriting and claims management
- Diversification into annuity and life insurance through its majority-owned subsidiary adds a complementary revenue stream
- Long operating history in title insurance supports deep relationships with real estate and mortgage industry participants
- Leading market share position in title insurance provides scale advantages in underwriting and claims management
- Data and analytics business provides a complementary, less transaction-volume-dependent revenue stream
- Long operating history supports deep relationships across the real estate and mortgage lending industries
- Title insurance order volumes are highly sensitive to home sales and mortgage refinancing activity levels
- Higher mortgage rates have historically weighed on both purchase and refinance transaction volumes
- Annuity and life insurance segment introduces different risk factors including interest rate and market sensitivity
- Title insurance order volumes are highly sensitive to home sales and mortgage refinancing activity levels
- Higher mortgage rates have historically weighed on both purchase and refinance transaction volumes
- Faces competition from other large title insurers for underwriting market share
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