FNF

Rating buyAI Memo

Fidelity National Financial FNF Group

As of 2026-02-20/Confidence medium

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Data freshness

AI Memo

As of 2026-02-20 • Model: RankAlpha Sentiment AI

Decision Panel

Action, confidence, horizon, and decision blockers at a glance.

Action

buy

Confidence

medium

Horizon

—

Key catalyst

Q1 2026 earnings release (estimated window) • 2026-05-21

Expected move: +43%

Biggest risk

Bear case: prolonged housing weakness, margin compression from higher claims/reserves, or disappointing capital allocation push valuation toward the analyst low (56.06).

Invalidation

Break below $56 or thesis failure.

What would change my mind?

Bull case: sustained origination/refi recovery, continued title margin expansion, and disciplined buybacks drive re-rating toward the analyst high (80.85).

Research note

Recommendation

buy

Confidence

medium

As of

2026-02-20

Base target

$69

p=60%

Bull target

$81

p=25%

Bear target

$56

p=15%

Key bullets

Fast scan of bull, bear, and watch items

BullKey bullets

Housing/mortgage volume trend (origination/refinance)
Bull case: sustained origination/refi recovery, continued title margin expansion, and disciplined buybacks drive re-rating toward the analyst high (80.85).
ANCHOR: {"price": 51.87, "timestamp_utc": "2026-02-20T14:39:50+00:00", "source": "broker_last"} ANALYST_TARGETS_REVIEWED: true Targets use the analyst low/median/high as a sanity check versus the authoritative anchor: base = analyst median (68.805), bull = analyst high (80.85), bear = analyst low (56.06).

BearKey bullets

Claims or reserve inflation
Higher rates reducing refinance volumes
Regulatory or litigation risk

WatchKey bullets

Q1 2026 earnings release (estimated window)

Summary

High-level snapshot

Recommendation

buy

Model confidence

medium

Timeframe

Asset

Equity

Trigger

Base case: $69 (p=60%)

Bull/Bear spread: +68% / +17%

Vs latest close: Bull +68% · Base +43% · Bear +17%

Scenario probabilities

Bull Target: $81 (p=25%)Base Target: $69 (p=60%)Bear Target: $56 (p=15%)

Commentary

Analyst median targets sit well above the current anchor, implying upside that depends on housing and margin execution [#SERP-1] [#SERP-2]. Market tone is cautiously constructive; short-term focus centers on upcoming earnings and capital-allocation signals [#SERP-5].

As of 2026-02-20 • Updated bi-weekly / post-earningsSource: Internal modelMethodology

Analyst Summary

Thesis highlights from the latest analysis

Bull Case

Bull case: sustained origination/refi recovery, continued title margin expansion, and disciplined buybacks drive re-rating toward the analyst high (80.85).

Bear Case

Bear case: prolonged housing weakness, margin compression from higher claims/reserves, or disappointing capital allocation push valuation toward the analyst low (56.06).

Drivers

Scannable catalysts and supporting factors

Housing/mortgage volume trend (origination/refinance)

Human Analyst Targets

External snippets for comparison only; verify at source.

Unverified externalLast fetched 2026-02-20Source quality: external scrape

External snippets are unverified; treat as directional signals only. Always confirm with the original provider.

Inline RA est

Provider

serper

Median (USD)

$68.81

Range (USD)

$56.06 - $80.85

Count

Query: Fidelity National Financial Inc - FNF Group Common (FNF) analyst consensus price target high low average

Fidelity National Financial (FNF) Stock Forecast and Price ...
Search result #1
According to the 4 analysts' twelve-month price targets for Fidelity National Financial, the average price target is $68.25. The highest price target for FNF is ...
Extracted: $68.25Open source
FNF Stock Forecast - Fidelity National Financial Inc
Search result #2
According to Wall Street analysts, the average 1-year price target for FNF is 70.992 USD with a low forecast of 63.63 USD and a high forecast of 80.85 USD. What ...
Extracted: $70.99, $63.63, $80.85Open source
Fidelity Financial (FNF) Stock Forecast & Price Target
Search result #3
According to projections from 5 analysts, the average 12-month price target for Fidelity Financial is 69.60, with a high estimate of 77 and a low estimate of 63 ...
Open source
Fidelity National Financial, Inc. (FNF) Stock Price, News, ...
Search result #4
A Look At Fidelity National Financial (FNF) Valuation As Shares Trade Below Estimated Fair Value ... Analyst Price Targets. 63.00. 69.60 Average. 54.21 Current.
Open source
Fidelity National Financial (FNF) Price Targets
Search result #5
The forecasts range from a low of $63.00 to a high of $77.00. The average price target represents an increase of 23.12% from the last closing price of $56.06.
Extracted: $63.00, $77.00, $56.06Open source
FNF Stock Forecast: Analyst Ratings, Predictions & Price ...
Search result #6
Financial analysts have set a price target of $70, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated ...
Extracted: $70.00Open source

Scenarios

Bull Target (Scenario probability)

$81 / p=25% prob

Base Target (Scenario probability)

$69 / p=60% prob

Bear Target (Scenario probability)

$56 / p=15% prob

Price $48 as of 2026-05-27

Nearest Scenario: Bear (∆ 17%)

Targets vs latest close: Bull +68% · Base +43% · Bear +17%

Sentiment & Exposure

Sentiment unavailable: insufficient coverage

Events

Other notable items detected

EVENT2026-05-21
Q1 2026 earnings release (estimated window)
Quarterly results and management commentary on volumes, margins and capital allocation; estimated window used for planning [#SERP-7].
Prob 75.00% • Move 8.00% • Priced-in 30.00%
EVENT2026-05-21
Capital allocation updates / analyst revisions
Buyback/dividend announcements or meaningful analyst target revisions can re-rate the stock; analyst medians inform scenario checks [#SERP-1] [#SERP-8].
Prob 30.00% • Move 12.00% • Priced-in 25.00%

Short-term Catalysts

Next few weeks

No short-term catalysts

Long-term Catalysts

Months to a year

Housing/mortgage volume trend (origination/refinance)
2027-02-20
Sustained improvement or deterioration in origination/refinance volumes will materially affect title revenue and fee income over the next year [#SERP-2] [#SERP-5].
Prob 55% • Move 30% • Priced-in 40%

Risks

Claims or reserve inflation
Higher rates reducing refinance volumes
Regulatory or litigation risk
Sustained drop in housing transactions

Peers

Symbol	Summary
FAF	First American Financial — direct title-insurance competitor; similar sensitivity to U.S. transaction volumes.
ORI	Old Republic International — diversified insurer with meaningful title exposure and comparable capital-allocation dynamics.

Sources

Internal and external references used in this analysis

Model source: RankAlpha Sentiment AI
Human targets: serper
Targets query: Fidelity National Financial Inc - FNF Group Common (FNF) analyst consensus price target high low average
Analysis date: 2026-02-20

AI Stock Memo: FNF - Fidelity National Financial FNF Group - RankAlpha