Fidelity National Financial Inc (FNF)vsRyan Specialty Group Holdings Inc (RYAN)
FNF
Fidelity National Financial Inc
$44.79
+1.31%
FINANCIAL SERVICES · Cap: $11.99B
RYAN
Ryan Specialty Group Holdings Inc
$33.50
-0.06%
FINANCIAL SERVICES · Cap: $8.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 384% more annual revenue ($14.51B vs $2.99B). FNF leads profitability with a 4.2% profit margin vs 2.1%. FNF trades at a lower P/E of 20.0x. FNF earns a higher WallStSmart Score of 72/100 (B).
FNF
Strong Buy72
out of 100
Grade: B
RYAN
Buy54
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
-95.7%
Fair Value
$22.00
Current Price
$33.50
$11.50 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
Earnings expanding 110.1% YoY
Areas to Watch
ROE of 7.8% — below average capital efficiency
4.2% margin — thin
Weak financial health signals
Distress zone — elevated risk
2.1% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Distress zone — elevated risk
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 : RYAN
The strongest argument for RYAN centers on EPS Growth. Revenue growth of 13.6% demonstrates continued momentum.
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 : RYAN
The primary concerns for RYAN are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 71.3x leaves little room for execution misses. Debt-to-equity of 5.68 is elevated, increasing financial risk.
Key Dynamics to Monitor
FNF carries more volatility with a beta of 1.03 — expect wider price swings.
RYAN is growing revenue faster at 13.6% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FNF scores higher overall (72/100 vs 54/100) 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.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, focused on delivering innovative risk management services across diverse sectors. The company leverages a vast network of insurance wholesale operations and underwriting expertise to meet the complex needs of its clients, backed by strong relationships with insurers and distribution channels. By integrating advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client results, positioning itself as a key player in the evolving insurance landscape. With a commitment to strategic growth initiatives, the company is poised to create sustainable shareholder value in a dynamic market.
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