Fidelity National Financial (FNF) Stock: Buy, Sell, or Hold?
FNF - Fidelity National Financial, Inc.
$42.71
0.20 (0.48%)
▲
5d:
-3.58%
30d:
-9.98%
90d:
-9.02%
WAIT
LOW Confidence
Analysis Updated: Sep 21, 2026 12:00 AM ET
Earnings: Nov 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: FNF shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: FNF shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$69.94
Based on 8.1% avg growth
INTRINSIC VALUE TODAY
$43.43
1.7% 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 8.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FNF is currently trading at $42.70, which is considered oversold relative to its 30-day fair value range of $44.00 to $48.19. From a valuation perspective, the stock is trading at a discount (Forward PE: 7.3) compared to its historical average (8.2). Remarkably, the market is currently pricing in an annual earnings decline of 3.5% over the next few years. This pessimistic expectation contrasts with the company's recent 5.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FNF is in a downtrend. The price is currently testing key support at $42.32. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FNF scores 16/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $61.40 (+44.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, FNF is in a downtrend. The price is currently testing key support at $42.32. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FNF scores 16/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $61.40 (+44.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$44.00 -
$48.19
Company Quality Score
36/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (16/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 44.5% below Wall St target ($61.40)
- WARNING: Composite score 36/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$44.00 -
$48.19
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$42.32
Resistance Level
$47.10
Current Trend
Downtrend
Technical data as of
Sep 18, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.34
Wall Street Target
$61.40
(+44.5%)
Revenue Growth (YoY)
10.5%
Earnings Growth (YoY)
5.8%
Profit Margin
5.0%
Valuation Discount vs History
-3.5% cheaper
PE vs Historical
7.3 vs 8.2
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.5%
(market-implied from PE analysis)
1-Year Target
$41.01
(-4%)
2-Year Target
$39.58
(-7%)
3-Year Target
$38.19
(-10%)
3-Yr Target (if PE normalizes)
(PE: 7→8)
$42.66
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 12.2%)
$165.35
(+289%)
Base:
(SPY PE: 7.3, Growth: 12.2%)
$60.10
(+41%)
Bear:
(PE: 6.2, Growth: 12.2%)
$51.08
(+20%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 15.01 | Current EPS (TTM): $2.87
Bull Case
$94.75
(+123%)
Analyst growth 100.0%, PE expands to 16.5
Base Case
$86.14
(+103%)
Market implied 100.0%, PE stable at 15.0
Bear Case
$29.29
(-31%)
Severe decline -20.0%, PE contracts to 12.8
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 7.3 to 8.2
Stabilization Target:
$47.47
(+11.7%)
PE Expansion Potential:
+11.7%
Share & Embed Analysis
Last updated: September 21, 2026 12:49 PM ET
Data refreshes hourly during market hours. Next update: 1:49 PM
Data refreshes hourly during market hours. Next update: 1:49 PM
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| Ticker | Score | Recommendation | Change % |
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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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