WallStSmart

Fidelity National Financial Inc (FNF)vsMGIC Investment Corp (MTG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Fidelity National Financial Inc generates 1184% more annual revenue ($15.35B vs $1.20B). MTG leads profitability with a 59.2% profit margin vs 5.0%. MTG appears more attractively valued with a PEG of 0.40. FNF earns a higher WallStSmart Score of 70/100 (B-).

FNF

Strong Buy

70

out of 100

Grade: B-

Growth: 6.0Profit: 5.0Value: 7.0Quality: 5.5
Piotroski: 3/9Altman Z: 0.64

MTG

Strong Buy

67

out of 100

Grade: B-

Growth: 4.0Profit: 8.5Value: 8.3Quality: 7.3
Piotroski: 2/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FNF4 strengths · Avg: 8.0/10
PEG RatioValuation
0.858/10

Growing faster than its price suggests

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$1.83B8/10

Generating 1.8B in free cash flow

MTG6 strengths · Avg: 9.8/10
PEG RatioValuation
0.4010/10

Growing faster than its price suggests

P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
59.2%10/10

Keeps 59 of every $100 in revenue as profit

Operating MarginProfitability
80.8%10/10

Strong operational efficiency at 80.8%

Debt/EquityHealth
0.139/10

Conservative balance sheet, low leverage

Areas to Watch

FNF3 concerns · Avg: 2.7/10
Profit MarginProfitability
5.0%3/10

5.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.642/10

Distress zone — elevated risk

MTG2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-2.9%2/10

Revenue declined 2.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : FNF

The strongest argument for FNF centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 10.5% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.

Bull Case : MTG

The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 59.2% and operating margin at 80.8%. PEG of 0.40 suggests the stock is reasonably priced for its growth.

Bear Case : FNF

The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.

Bear Case : MTG

The primary concerns for MTG are Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

FNF profiles as a value stock while MTG is a declining play — different risk/reward profiles.

FNF carries more volatility with a beta of 0.98 — expect wider price swings.

FNF is growing revenue faster at 10.5% — sustainability is the question.

FNF generates stronger free cash flow (1.8B), providing more financial flexibility.

Bottom Line

FNF scores higher overall (70/100 vs 67/100) and 10.5% revenue growth. Both earn "Strong Buy" and "Strong 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.

MGIC Investment Corp

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

MGIC Investment Corporation offers private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government-sponsored entities in the United States, Puerto Rico, and Guam. The company is headquartered in Milwaukee, Wisconsin.

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