Is FNF or ITIC more undervalued in 2026?

CirclFi compares Fidelity National Financial, In (FNF) and Investors Title Company (ITIC) using 13 institutional-grade valuation models. FNF has a Quality of Company score of 8.6/10 while ITIC scores 9.0/10.

Which is a better buy — FNF or ITIC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FNF and ITIC valuations compare?

FNF at $47.56 and ITIC at $238.47 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FNF vs ITIC Valuation Comparison 2026 — Intrinsic Value Analysis

FNF

Insurance - Specialty

Fidelity National Financial, In

Quality

8.6

out of 10

Value Trap

LOW

Price

$47.56

Last close

Models

9/13

Active

ITIC

Insurance - Specialty

Investors Title Company

Quality

9.0

out of 10

Value Trap

SAFE

Price

$238.47

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	FNF Fair Value	FNF Upside	ITIC Fair Value	ITIC Upside
Bayesian DCF	Intrinsic	—	—	$144.52	-39.4%
Earnings Power Value	Intrinsic	$53.40	+12.3%	$151.09	-36.6%
EROIC Spread	Intrinsic	$36.16	-24.0%	$144.00	-39.6%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FNF vs ITIC — Which Stock Is More Undervalued?

ITIC scores higher with a 9.0/10 quality rating vs FNF's 8.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Fidelity National Financial, In (FNF) and Investors Title Company (ITIC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FNF currently trades at $47.56 with a QOC of 8.6/10, while ITIC trades at $238.47 with a QOC of 9.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).