Fidelity National Financial Inc (FNF)vsRyan Specialty Group Holdings Inc (RYAN)
FNF
Fidelity National Financial Inc
$47.40
+2.98%
FINANCIAL SERVICES · Cap: $12.90B
RYAN
Ryan Specialty Group Holdings Inc
$33.26
+2.36%
FINANCIAL SERVICES · Cap: $9.10B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 382% more annual revenue ($14.96B vs $3.10B). FNF leads profitability with a 5.1% profit margin vs 3.5%. FNF trades at a lower P/E of 17.1x. FNF earns a higher WallStSmart Score of 78/100 (B+).
FNF
Strong Buy78
out of 100
Grade: B+
RYAN
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 200.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
16.7% revenue growth
Earnings expanding 110.1% YoY
Every $100 of equity generates 21 in profit
15.8% revenue growth
Areas to Watch
5.1% margin — thin
Weak financial health signals
Distress zone — elevated risk
3.5% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : FNF
The strongest argument for FNF centers on EPS Growth, PEG Ratio, P/E Ratio. Revenue growth of 16.7% 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, Return on Equity, Revenue Growth. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Bear Case : RYAN
The primary concerns for RYAN are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 42.1x leaves little room for execution misses. Debt-to-equity of 5.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
FNF carries more volatility with a beta of 1.02 — expect wider price swings.
FNF is growing revenue faster at 16.7% — sustainability is the question.
FNF generates stronger free cash flow (848M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FNF scores higher overall (78/100 vs 56/100) and 16.7% 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, renowned for its innovative risk management services tailored to meet the diverse needs of its clients across various sectors. The company leverages its extensive network of insurance wholesale operations and underwriting proficiency to foster effective partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and client outcomes, reinforcing its significance in the dynamic insurance landscape. With a strategic emphasis on growth and operational excellence, Ryan Specialty is well-positioned to create sustainable shareholder value amid an increasingly competitive market.
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