FNF Stock Analysis: Buy, Sell, or Hold?
FNF - Fidelity National Financial, Inc.
$54.39
-0.08 (-0.15%)
▼
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Feb 19, 2026
18d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: FNF shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: FNF shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$94.89
Based on 11.7% avg growth
INTRINSIC VALUE TODAY
$58.92
7.7% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FNF is currently trading at $54.39, which is considered fair relative to its 30-day fair value range of $53.09 to $55.52. The stock's valuation (Forward PE: 8.8) is in line with its historical norms (8.9). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This pessimistic expectation contrasts with the company's recent 37.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FNF is in a downtrend. The price is approaching resistance at $55.32. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FNF has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $69.60 (+27.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FNF is in a downtrend. The price is approaching resistance at $55.32. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FNF has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $69.60 (+27.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$53.09 -
$55.52
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 27.8% below Wall St target ($69.60)
Fair Price Analysis
30-Day Fair Range
$53.09 -
$55.52
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$52.23
Resistance Level
$55.32
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
8.81
Wall Street Target
$69.60
(+27.8%)
Revenue Growth (YoY)
11.8%
Earnings Growth (YoY)
37.1%
Profit Margin
8.3%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
8.8 vs 8.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$54.20
(-1%)
2-Year Target
$53.93
(-1%)
3-Year Target
$53.66
(-2%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$54.19
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 19.3%)
$233.85
(+329%)
Base:
(SPY PE: 8.8, Growth: 19.3%)
$92.40
(+70%)
Bear:
(PE: 7.5, Growth: 19.3%)
$78.54
(+44%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 12.72 | Current EPS (TTM): $4.27
Bull Case
$86.50
(+59%)
Analyst growth 44.8%, PE expands to 14.0
Base Case
$78.64
(+45%)
Market implied 44.8%, PE stable at 12.7
Bear Case
$36.94
(-32%)
Severe decline -20.0%, PE contracts to 10.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.8 to 8.9
Stabilization Target:
$55.02
(+1.0%)
PE Expansion Potential:
+1.0%
Last updated: January 31, 2026 3:25 AM ET
Data refreshes hourly during market hours. Next update: 4:25 AM
Data refreshes hourly during market hours. Next update: 4:25 AM
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Technical Signals Check
Is FNF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced FNF Option Strategies
Professional options setups generated by AI based on today's FNF price and gamma walls.
