FNF
Fidelity National Financial Inc. Financial Services - Title Insurance Investor Relations →
Fidelity National Financial Inc. (FNF) closed at $51.59 as of 2026-07-31, trading 14.0% above its 200-week moving average of $45.27. The stock is currently moving closer to the line, down from 14.3% last week. The 14-week RSI sits at 49, indicating neutral momentum.
Trading volume is running at 1.1x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.77 ratio) is neutral — neither side is clearly dominating.
Over the past 1037 weeks of data, FNF has crossed below its 200-week moving average 11 times. On average, these episodes lasted 22 weeks. Historically, investors who bought FNF at the start of these episodes saw an average one-year return of +12.1%.
With a market cap of $13.9 billion, FNF is a large-cap stock. The company generates a free cash flow yield of 15.2%, which is notably high. Return on equity stands at 10.5%. The stock trades at 1.9x book value.
Over the past 19.9 years, a hypothetical investment of $100 in FNF would have grown to $931, compared to $804 for the S&P 500. That represents an annualized return of 11.9% vs 11.0% for the index — confirming FNF as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been growing at a 10.4% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: FNF vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After FNF Crosses Below the Line?
Across 11 historical episodes, buying FNF when it crossed below its 200-week moving average produced an average return of +15.3% after 12 months (median +18.0%), compared to +24.2% for the S&P 500 over the same periods. 60% of those episodes were profitable after one year. After 24 months, the average return was +43.1% vs +42.1% for the index.
Each line shows $100 invested at the moment FNF crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices FNF would reach each dislocation threshold.
Dislocation Price Levels
Prices where FNF's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $38.78 | Unusually cheap — potential buy zone |
| Value | +1σ | $41.82 | Cheap vs. own history |
| Fair Value | +0σ | $45.37 | Historical mean behavior |
| Expensive | -1σ | $49.59 | Expensive vs. own history |
| Deep Expensive | -2σ | $54.67 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from FNF's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
FNF has crossed below its 200-week MA 11 times with an average 1-year return of +12.1% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Sep 2006 | Oct 2006 | 4 | 1.9% | -11.9% | +831.4% |
| Jul 2007 | Feb 2009 | 80 | 58.2% | -37.8% | +773.7% |
| Feb 2009 | Mar 2009 | 2 | 13.1% | -10.4% | +922.9% |
| Apr 2009 | Sep 2010 | 72 | 24.5% | -6.6% | +890.3% |
| Oct 2010 | Mar 2011 | 25 | 14.1% | +8.2% | +994.9% |
| Mar 2020 | Nov 2020 | 34 | 33.8% | +84.4% | +221.1% |
| Jun 2022 | Jul 2022 | 5 | 6.8% | +8.2% | +86.5% |
| Sep 2022 | Oct 2022 | 2 | 4.1% | +24.2% | +77.3% |
| Oct 2022 | Oct 2022 | 1 | 3.8% | +13.2% | +77.4% |
| Mar 2023 | Jul 2023 | 18 | 11.9% | +49.7% | +74.3% |
| Mar 2026 | Mar 2026 | 1 | 1.8% | N/A | +20.6% |
| Average | 22 | — | +12.1% | — |
Frequently Asked Questions
Is FNF below its 200-week moving average?
No. Fidelity National Financial Inc. (FNF) is currently 14.0% above its 200-week moving average of $45.27. It would need to fall to $45.27 to cross below the line.
What is FNF's 200-week moving average price?
Fidelity National Financial Inc.'s 200-week moving average is $45.27 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when FNF drops below its 200-week moving average?
FNF has crossed below its 200-week moving average 11 times in our data. On average, buying at that moment produced a one-year return of +12.1%. These dips have historically been decent entry points. These episodes lasted 22 weeks on average.
Is FNF a good value right now?
Here's what our data says about FNF as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 49. Free cash flow yield is 15.2%. Return on equity is 10.5%. Price-to-book is 1.9x. This is not a buy or sell recommendation — always do your own research.
How does FNF compare to the S&P 500?
Over the past 19.9 years, $100 invested in FNF would have grown to $931, compared to $804 for the S&P 500. That's 11.9% annualized vs 11.0% for the index. FNF has outperformed the broader market over this period.
Does FNF pay a dividend?
Yes. Fidelity National Financial Inc. currently pays a dividend yield of 400.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31