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Fidelity National Financial (FNF)
NYSE:FNF
Earnings Data
Report Date
May 13, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.14Last Year’s EPS
0.75Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted strong operational performance — notably industry-leading Title margins, robust commercial revenue growth, substantial technology adoption (inHere and AI), and solid F&G AUM and sales growth — along with meaningful shareholder returns via dividends and buybacks. Offsetting items included a large noncash deferred tax charge that produced a Q4 GAAP net loss, modest declines in investment income due to rate cuts, reduced holding company liquidity versus prior-year, and ongoing low transactional housing volumes. Overall, the company appears well-positioned financially and operationally, with constructive guidance and capital allocation plans but with near-term noise from accounting and macro rate/headwind effects.Company Guidance
Strong Title Segment Profitability
Adjusted pretax Title earnings of $401,000,000 in Q4 and $1,400,000,000 for full-year 2025, producing industry-leading adjusted pretax Title margins of 17.5% in Q4 and 15.9% for the full year.
Robust Commercial Revenue and Activity
Direct commercial revenue nearly $1,500,000,000 for the full year and $479,000,000 in Q4, a 27% increase over 2024; national revenues up 33% and local revenues up 20%. Total commercial orders averaged 815 per day, up 8% versus 2024, with commercial refinance orders up 21% year-over-year.
Improving Refinance and Order Trends
Refinance orders opened averaged 1,700 per day in Q4 (up from 1,600 sequentially) and were up 38% over 2024; January refinance orders were up 75% year-over-year and 28% versus December. Overall orders opened averaged 5,300 per day in Q4 and 5,900 per day in January (up 29% versus December).
Technology Adoption and Productivity Gains
inHere digital transaction platform engaged 80% of residential sale transactions and reached nearly 2,800,000 unique users in 2025; curated data and technology touched over 90% of total volume. Enterprise-wide AI tools deployed to improve productivity and margins.
F&G Growth and Capital Actions
F&G AUM before flow reinsurance grew to $73,100,000,000, up 12% year-over-year; retained AUM $57,600,000,000 (up 7%). F&G gross sales $14,600,000,000 for the year, net sales $10,000,000,000, and adjusted net earnings of $412,000,000 for the full year.
Shareholder Returns and Capital Allocation
Returned approximately $800,000,000 to shareholders in 2025 (common dividends of $546,000,000 and share repurchases of $251,000,000). Board approved a 4% increase in the quarterly cash dividend to $0.52 per share; completed distribution of ~12% of F&G shares returning ~$500,000,000 of tangible value while retaining ~70% ownership.
Improved Adjusted Earnings and Revenue
Consolidated adjusted net earnings of $382,000,000 in Q4 ($1.41 per diluted share) and full-year adjusted net earnings of $1,400,000,000, a 7% increase over 2024. Q4 total revenue excluding gains/losses was $4,100,000,000 versus $4,000,000,000 in 2024.
Capital Strength and Planned Distributions from F&G
F&G increased its quarterly common stock dividend by 14% in Q4. Fidelity expects approximately $112,000,000 of annual common and preferred dividend income from F&G at the 70% ownership level to benefit the holding company.
FNF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FNF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 19, 2026 | $54.21 | $52.13 | -3.84% |
Nov 06, 2025 | $52.10 | $54.48 | +4.57% |
Aug 06, 2025 | $55.09 | $54.85 | -0.44% |
May 07, 2025 | $60.37 | $56.06 | -7.14% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Fidelity National Financial (FNF) report earnings?
Fidelity National Financial (FNF) is schdueled to report earning on May 13, 2026, After Close (Confirmed).
What is Fidelity National Financial (FNF) earnings time?
Fidelity National Financial (FNF) earnings time is at May 13, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FNF EPS forecast?
FNF EPS forecast for the fiscal quarter 2026 (Q1) is 1.14.