Fidelity National announces Q3 earnings per share of $1.63, surpassing consensus estimate of $1.42.
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 06 2025
0mins
Should l Buy FNF?
Q3 Revenue Performance: The company reported Q3 revenue of $4.03 billion, exceeding the consensus estimate of $3.57 billion.
Strong Business Segments: The Title business achieved a leading adjusted pre-tax title margin of 17.8%, while the F&G segment experienced one of its best sales quarters, pushing assets under management over $70 billion.
Shareholder Returns: The company returned $627 million to shareholders in the first nine months of the year through share buybacks and dividends.
Investment in Growth: An investment of $150 million was made in F&G's common equity raise earlier this year, supporting future growth.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy FNF?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on FNF
Wall Street analysts forecast FNF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FNF is 68.25 USD with a low forecast of 63.00 USD and a high forecast of 72.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 54.580
Low
63.00
Averages
68.25
High
72.00
Current: 54.580
Low
63.00
Averages
68.25
High
72.00
About FNF
Fidelity National Financial, Inc. is a provider of title insurance and transaction services to the real estate and mortgage industries. Its segments include Title, F&G and Corporate and Other. The Title segment consists of the operations of its title insurance underwriters and related businesses. This segment provides core title insurance and escrow and other title-related services, including loan sub-servicing, valuations, default services, and home warranty. The F&G segment primarily consists of the operations of its annuities and life insurance-related businesses. This segment issues a broad portfolio of annuity and life products, including deferred annuities (indexed annuities and fixed-rate annuities), immediate annuities and IUL. This segment also provides funding agreements and PRT solutions. It operates through its title insurance underwriters - Fidelity National Title, Chicago Title, Commonwealth Land Title, Alamo Title and National Title of New York.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Student Debt Impacts Retirement Savings Significantly
- Retirement Savings Gap: Fidelity data reveals that employees over 50 with student debt have an average retirement balance of $153,000, which is approximately 30% lower than the $221,000 average for those without debt, highlighting the profound impact of student loans on financial security in retirement.
- Impact on Younger Borrowers: Workers aged 18 to 49 with student loans have an average retirement savings of $58,000, about 20% less than their debt-free counterparts at $72,000, indicating significant financial strain caused by student debt among younger demographics.
- Debt Repayment Consequences: Approximately 9.5 million Americans over 50 carry education debt, averaging $47,000, which reduces their available savings for retirement, exacerbating feelings of financial insecurity as they approach retirement age.
- Investment Delays: A Fidelity survey found that one-third of baby boomers delayed travel due to student loans, while 16% postponed home purchases and 8% delayed starting a business, reflecting the extensive influence of student debt on life decisions.
See More
IPX1031 Appoints New Vice President of Business Development
- New Vice President: IPX1031 announces the appointment of Ted Breitenstein as Vice President of Business Development, who will collaborate with Tracey Wilson to enhance the company's market coverage in Colorado and Wyoming, addressing the growing client demand.
- Extensive Industry Experience: Breitenstein brings over a decade of experience in commercial real estate and investment consulting, providing a strong foundation for structuring and executing 1031 exchanges that align with clients' long-term investment goals.
- Commitment to Education: As an active industry educator, Breitenstein regularly conducts 1031 exchange seminars and continuing education classes throughout the Denver metropolitan area, reinforcing IPX1031's commitment to market leadership and education.
- Commitment to Client Success: Jennifer Keen, IPX1031's Western Region Manager, noted that Breitenstein's addition will enhance the company's ability to meet client needs while continuing to deliver high levels of service, ensuring client success.
See More
IPX1031 Appoints New VP of Business Development
- New VP Appointment: IPX1031 announces the appointment of Ted Breitenstein as Vice President of Business Development, succeeding Danita Vigil, who served for 42 years, thereby enhancing the company's market coverage in Colorado and Wyoming.
- Extensive Industry Experience: Breitenstein brings over a decade of experience in commercial real estate and investment consulting, enabling him to provide structural and execution support for 1031 exchange transactions, thus enhancing clients' ability to achieve their investment goals.
- Education and Market Leadership: He is actively involved in industry education, regularly conducting 1031 exchange seminars in the Denver area, reinforcing IPX1031's commitment to education and its position as a market leader.
- Enhanced Team Collaboration: Breitenstein's collaboration with Tracey Wilson will leverage their combined expertise to deliver comprehensive 1031 exchange guidance and solutions to the IPX1031 Mountain Region and beyond, addressing the growing market demand.
See More
U.S. ETF Industry Faces Potential Distribution Fee Changes
- Emerging Distribution Fees: U.S. brokerage firms and custodians may soon impose distribution fees on ETF managers, potentially reshaping the cost structure of the $13.5 trillion U.S. ETF industry, particularly after over a decade of zero-commission trading that has disrupted traditional revenue streams.
- Impact of Zero-Commission Trading: Companies like Robinhood have attracted millions of retail investors with zero trading commissions, forcing traditional brokers like Fidelity and Charles Schwab to eliminate ETF trading fees, which, while retaining clients, has significantly impacted their profitability.
- Changing Cost Structure: J.P. Morgan estimates that the current U.S. ETF management fee pool is around $21 billion, and if intermediaries capture 10% to 20% of ETF expense ratios, the industry could incur an additional $2 billion to $4 billion in distribution costs annually, affecting investor returns.
- Market Competitive Landscape: Large ETF issuers may be better positioned under this new fee structure, while mid-sized firms could face greater pressure, particularly niche and actively managed ETFs that may be the first to feel the impact, potentially halting the decline in their expense ratios.
See More
Bitcoin ETFs See $818 Million Withdrawal Amid Price Drop
- Massive Withdrawals: Bitcoin ETFs experienced nearly $818 million in net outflows on January 29, reflecting growing investor concerns over the volatile cryptocurrency market, which pushed January's overall performance into negative territory.
- Major Product Outflows: BlackRock's iShares Bitcoin Trust led the day's withdrawals with $317.81 million, indicating a cautious stance from large investors regarding market prospects.
- Market Trend Analysis: The total net outflows for January reached $1.1 billion, signaling a significant shift in investor sentiment, especially as Bitcoin's price fell to a nine-month low, which could lead to further outflows in the future.
- Support Level Breakdown: Bitcoin's price broke below the $84,000 support level, hitting a low of $81,200, with analysts warning that bearish conditions may persist, and further lowering price targets could exacerbate investor panic.
See More
Bitcoin ETFs Face Major Outflows Amid Price Drop
- Outflow Situation: On January 29, Bitcoin ETFs experienced net outflows of $817.87 million, reflecting growing investor concerns over the volatile cryptocurrency market, leading to an estimated total outflow of $1.1 billion for January, indicating a significant shift in market sentiment.
- Price Drop Impact: Bitcoin's price fell to $81,200, breaking below the $84,000 support level that had been maintained since mid-November, signaling a bearish market sentiment, with analysts warning of potential lower price targets ahead.
- Historical Inflow Data: Despite the substantial outflows in January, the cumulative net inflows since the launch of Bitcoin ETFs remain significant at $55.52 billion, indicating that long-term investor confidence still exists.
- Market Trend Analysis: The outflow trend in January mirrors that of December 2025, suggesting that the market may face ongoing bearish conditions, which could exacerbate further outflows in the future.
See More
Student Debt Impacts Retirement Savings Significantly
- Retirement Savings Gap: Fidelity data reveals that employees over 50 with student debt have an average retirement balance of $153,000, which is approximately 30% lower than the $221,000 average for those without debt, highlighting the profound impact of student loans on financial security in retirement.
- Impact on Younger Borrowers: Workers aged 18 to 49 with student loans have an average retirement savings of $58,000, about 20% less than their debt-free counterparts at $72,000, indicating significant financial strain caused by student debt among younger demographics.
- Debt Repayment Consequences: Approximately 9.5 million Americans over 50 carry education debt, averaging $47,000, which reduces their available savings for retirement, exacerbating feelings of financial insecurity as they approach retirement age.
- Investment Delays: A Fidelity survey found that one-third of baby boomers delayed travel due to student loans, while 16% postponed home purchases and 8% delayed starting a business, reflecting the extensive influence of student debt on life decisions.
See More
IPX1031 Appoints New Vice President of Business Development
- New Vice President: IPX1031 announces the appointment of Ted Breitenstein as Vice President of Business Development, who will collaborate with Tracey Wilson to enhance the company's market coverage in Colorado and Wyoming, addressing the growing client demand.
- Extensive Industry Experience: Breitenstein brings over a decade of experience in commercial real estate and investment consulting, providing a strong foundation for structuring and executing 1031 exchanges that align with clients' long-term investment goals.
- Commitment to Education: As an active industry educator, Breitenstein regularly conducts 1031 exchange seminars and continuing education classes throughout the Denver metropolitan area, reinforcing IPX1031's commitment to market leadership and education.
- Commitment to Client Success: Jennifer Keen, IPX1031's Western Region Manager, noted that Breitenstein's addition will enhance the company's ability to meet client needs while continuing to deliver high levels of service, ensuring client success.
See More
IPX1031 Appoints New VP of Business Development
- New VP Appointment: IPX1031 announces the appointment of Ted Breitenstein as Vice President of Business Development, succeeding Danita Vigil, who served for 42 years, thereby enhancing the company's market coverage in Colorado and Wyoming.
- Extensive Industry Experience: Breitenstein brings over a decade of experience in commercial real estate and investment consulting, enabling him to provide structural and execution support for 1031 exchange transactions, thus enhancing clients' ability to achieve their investment goals.
- Education and Market Leadership: He is actively involved in industry education, regularly conducting 1031 exchange seminars in the Denver area, reinforcing IPX1031's commitment to education and its position as a market leader.
- Enhanced Team Collaboration: Breitenstein's collaboration with Tracey Wilson will leverage their combined expertise to deliver comprehensive 1031 exchange guidance and solutions to the IPX1031 Mountain Region and beyond, addressing the growing market demand.
See More
U.S. ETF Industry Faces Potential Distribution Fee Changes
- Emerging Distribution Fees: U.S. brokerage firms and custodians may soon impose distribution fees on ETF managers, potentially reshaping the cost structure of the $13.5 trillion U.S. ETF industry, particularly after over a decade of zero-commission trading that has disrupted traditional revenue streams.
- Impact of Zero-Commission Trading: Companies like Robinhood have attracted millions of retail investors with zero trading commissions, forcing traditional brokers like Fidelity and Charles Schwab to eliminate ETF trading fees, which, while retaining clients, has significantly impacted their profitability.
- Changing Cost Structure: J.P. Morgan estimates that the current U.S. ETF management fee pool is around $21 billion, and if intermediaries capture 10% to 20% of ETF expense ratios, the industry could incur an additional $2 billion to $4 billion in distribution costs annually, affecting investor returns.
- Market Competitive Landscape: Large ETF issuers may be better positioned under this new fee structure, while mid-sized firms could face greater pressure, particularly niche and actively managed ETFs that may be the first to feel the impact, potentially halting the decline in their expense ratios.
See More
Bitcoin ETFs See $818 Million Withdrawal Amid Price Drop
- Massive Withdrawals: Bitcoin ETFs experienced nearly $818 million in net outflows on January 29, reflecting growing investor concerns over the volatile cryptocurrency market, which pushed January's overall performance into negative territory.
- Major Product Outflows: BlackRock's iShares Bitcoin Trust led the day's withdrawals with $317.81 million, indicating a cautious stance from large investors regarding market prospects.
- Market Trend Analysis: The total net outflows for January reached $1.1 billion, signaling a significant shift in investor sentiment, especially as Bitcoin's price fell to a nine-month low, which could lead to further outflows in the future.
- Support Level Breakdown: Bitcoin's price broke below the $84,000 support level, hitting a low of $81,200, with analysts warning that bearish conditions may persist, and further lowering price targets could exacerbate investor panic.
See More
Bitcoin ETFs Face Major Outflows Amid Price Drop
- Outflow Situation: On January 29, Bitcoin ETFs experienced net outflows of $817.87 million, reflecting growing investor concerns over the volatile cryptocurrency market, leading to an estimated total outflow of $1.1 billion for January, indicating a significant shift in market sentiment.
- Price Drop Impact: Bitcoin's price fell to $81,200, breaking below the $84,000 support level that had been maintained since mid-November, signaling a bearish market sentiment, with analysts warning of potential lower price targets ahead.
- Historical Inflow Data: Despite the substantial outflows in January, the cumulative net inflows since the launch of Bitcoin ETFs remain significant at $55.52 billion, indicating that long-term investor confidence still exists.
- Market Trend Analysis: The outflow trend in January mirrors that of December 2025, suggesting that the market may face ongoing bearish conditions, which could exacerbate further outflows in the future.
See More
