Fidelity National Financial, Inc. (FNF) Fair Value 2026

FNF · Insurance - Specialty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.9 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (24/100)

Quick Summary — As of 2026-10-07, Fidelity National Financial, Inc. (FNF) trades at $39.08, versus a $45.05 median fair value across its 6 active models — 15.3% above the current price. QOC: 7.9/10. Value Trap Risk: 24/100 (SAFE). 6/13 models active.

Key Facts

Ticker
FNF
Price
$39.08
Quality Score
7.9/10
Value Trap Risk
24/100
Models Active
6/13
Last Updated
Strength: Earnings Power Value suggests +20.9% upside with 65% confidence
Risk: Limited model coverage (6/13) may reduce confidence

Is Fidelity National Financial, Inc. (FNF) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Fidelity National Financial, Inc. (FNF) appears undervalued as of : the median of 6 independent fair value estimates is $45.05, 15.3% above the current price of $39.08. Estimates range from $16.23 to $78.22. FNF scores 7.9/10 on fundamental quality and 24/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. FNF’s +15.3% gap is narrower than that market norm. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Fidelity National Financial, Inc. Stock in 2026? →

What Fair Value Does Each Model Give FNF?

6 Intrinsic Value Models vs. Current Price ($39.08)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $47.24 +20.9%
Ensemble · Low Conviction
 $42.86 +9.7%
Intrinsic · High Conviction
 $35.53 -9.1%
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What Is FNF's Fair Value Range?

Spread across 6 independent models · $16.23 to $78.22

CirclFi's 6 active models place Fidelity National Financial, Inc. (FNF) between $16.23 and $78.22 per share, a spread of 138% of the median. The median of that range — $45.05 — is the fair value CirclFi publishes for FNF, against a current price of $39.08.

Low · ML-RIVHigh · Regime Cross
$16.23median $45.05$78.22
Where the range comes from
Most bearish modelML Residual Income$16.23
Most bullish modelRegime Cross-Sectional$78.22
Model agreement4 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for FNF. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on FNF, not a CirclFi price target. How each model works →

What Is Fidelity National Financial, Inc. (FNF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Fidelity National Financial, Inc.'s intrinsic value is estimated at $45.05, suggesting a +15.3% median upside from the current price of $39.08. While 4 models see room for appreciation, model agreement is not unanimous as 2 models flag potential overvaluation. Model dispersion is worth noting: Regime Cross targets $78.22 (+100.2%), versus ML-RIV at $16.23 (-58.5%). This +158.6% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About FNF?

6 of 13 models are currently active for FNF. Of these, 4 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for FNF is $45.05 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does FNF Rank in Insurance - Specialty?

Among 16 Insurance - Specialty stocks, FNF ranks #8 by Quality of Company score. CirclFi's QOC score of 7.9/10 evaluates 32 fundamental signals. A score of 7.9 indicates above-average quality.

Fidelity National Financial, Inc.'s positioning within the Insurance - Specialty segment means that combined ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including premium rate hardening — shape both the opportunity set and risk profile.

Is FNF a Value Trap?

CirclFi's Value Trap algorithm assigns FNF a score of 24/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Fidelity National Financial, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Fidelity National Financial, Inc. scores 7.9 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +158.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FNF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FNF's 6 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Fidelity National Financial, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Specialty Stocks Should You Also Analyze?

11 related Insurance - Specialty stocks with 13-model coverage

FAFFirst American Financial CorporationQOC 7.9AMSFAMERISAFE, Inc.QOC 7.8ITICInvestors Title CompanyQOC 8.0AGOAssured Guaranty Ltd.QOC 7.8AXSAXIS Capital Holdings LimitedQOC 8.1RDNRadian Group Inc.QOC 7.6EIGEmployers Holdings, Inc.QOC 7.5MBIMBIA Inc.QOC 5.9MTGMGIC Investment CorporationQOC 8.5NMIHNMI Holdings, Inc.QOC 9.3ESNTEssent Group Ltd.QOC 9.1

Read investment analysis: FAF · AMSF · ITIC · AGO · AXS · RDN · EIG · MBI · MTG · NMIH · ESNT

Which Other Stocks Have a Similar Quality Score to FNF?

7 companies across all industries closest to FNF’s Quality of Company score of 7.9/10.

JUVFJuniata Valley Financial Corp.QOC 7.9CLXThe Clorox CompanyQOC 7.9LTHLife Time Group Holdings, Inc.QOC 7.9TZOOTravelzooQOC 7.9GLPIGaming and Leisure Properties, Inc.QOC 7.9DIODDiodes IncorporatedQOC 7.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: JUVF · CLX · LTH · TZOO · GLPI · DIOD · NVDA

What Else Do Investors Ask About Fidelity National Financial, Inc.’s Valuation?

What is Fidelity National Financial, Inc.'s intrinsic value in 2026?

CirclFi puts Fidelity National Financial, Inc. (FNF)'s intrinsic value at $45.05 — the median of 6 independent model estimates as of 2026-10-07, ranging from $16.23 to $78.22. The Quality of Company score is 7.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FNF overvalued or undervalued right now?

At $39.08, 4 of 6 active models suggest FNF may be undervalued, while 2 indicate potential overvaluation. The median of all 6 fair value estimates is $45.05, 15.3% above the current price of $39.08 — a consensus view that FNF is undervalued. The assessment depends on which methodology best fits Fidelity National Financial, Inc.'s business model in Insurance - Specialty.

What does a Quality of Company score of 7.9 mean for FNF?

Fidelity National Financial, Inc.'s QOC of 7.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on FNF?

CirclFi analyzes FNF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on FNF?

Of the 6 models currently active on FNF, Regime Cross-Sectional is the most bullish at $78.22 per share, and ML Residual Income is the most bearish at $16.23. CirclFi's published fair value for FNF is the median of that range, $45.05, not either extreme. The gap between the two ends equals 138% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is FNF a value trap in 2026?

Fidelity National Financial, Inc.'s Value Trap score is 24/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Fidelity National Financial, Inc. (FNF) has a median fair value of $45.05 — 15.3% above the current price of $39.08 — as of 2026-10-07.” Source: circlfi.com/stock/FNF/ · Methodology
Primary sources for this FNF valuation
  • Financial statements: Fidelity National Financial, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001331875) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for FNF as of ; valuations recomputed .

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