Fidelity National Financial Inc (FNF)vsInvestors Title Company (ITIC)
FNF
Fidelity National Financial Inc
$44.79
+1.31%
FINANCIAL SERVICES · Cap: $11.99B
ITIC
Investors Title Company
$213.40
-0.98%
FINANCIAL SERVICES · Cap: $406.81M
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 5219% more annual revenue ($14.51B vs $272.71M). ITIC leads profitability with a 12.9% profit margin vs 4.2%. FNF appears more attractively valued with a PEG of 0.85. FNF earns a higher WallStSmart Score of 72/100 (B).
FNF
Strong Buy72
out of 100
Grade: B
ITIC
Buy51
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+44.8%
Fair Value
$103.43
Current Price
$44.79
$58.64 discount
Margin of Safety
-113.7%
Fair Value
$126.34
Current Price
$213.40
$87.06 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 37.1% YoY
Generating 1.8B in free cash flow
Attractively priced relative to earnings
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Areas to Watch
ROE of 7.8% — below average capital efficiency
4.2% margin — thin
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
Revenue declined 1.6%
Earnings declined 10.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : FNF
The strongest argument for FNF centers on PEG Ratio, Price/Book, EPS Growth. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bull Case : ITIC
The strongest argument for ITIC centers on P/E Ratio, Debt/Equity, Altman Z-Score.
Bear Case : FNF
The primary concerns for FNF are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.2% margins leave little buffer for downturns.
Bear Case : ITIC
The primary concerns for ITIC are PEG Ratio, Market Cap, Revenue Growth.
Key Dynamics to Monitor
FNF profiles as a value stock while ITIC is a declining play — different risk/reward profiles.
FNF carries more volatility with a beta of 1.03 — expect wider price swings.
FNF is growing revenue faster at 12.3% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
FNF scores higher overall (72/100 vs 51/100) and 12.3% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
Investors Title Company
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Investors Title Company, is dedicated to the issuance of residential and commercial title insurance for residential, institutional, commercial and industrial properties. The company is headquartered in Chapel Hill, North Carolina.
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