---
schema_version: "secwatch.filing_event.v1"
accession: "0001331875-22-000071"
form_type: "8-K"
ticker: "FNF"
cik: "0001331875"
company_name: "Fidelity National Financial, Inc."
filed_at: "2022-11-08T23:59:59+00:00"
generated_at: "2026-06-22T03:07:13.648295+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FNF Q3 net earnings $289M ($1.05/sh) vs $732M ($2.57/sh) YoY; adjusted EPS $1.07

## Summary
- Title segment revenue $2.3B, down 24% YoY; adjusted pre-tax margin 17.1% vs 21.7% prior year.
- Refinance orders opened down 75% daily; commercial orders closed down 12%; commercial revenue up 4% to $381M.
- F&G gross sales $2.9B, retail sales record $2.3B (+45% YoY); AUM $42B; partial spin-off on track for Q4 2022.
- FNF repurchased 5.3M shares for $205M in Q3; quarterly dividend raised to $0.45/sh from $0.44.
- Retired $400M senior notes due Sept 1; holding company cash $1.1B; debt-to-cap ratio 23%.

## SEC filing metadata
- accession: 0001331875-22-000071
- form_type: 8-K
- ticker: FNF
- cik: 0001331875
- company_name: Fidelity National Financial, Inc.
- filed_at: 2022-11-08T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1331875/000133187522000071/0001331875-22-000071-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1331875/000133187522000071/fnf-20221108.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001331875-22-000071
- JSON: https://secwatch.observer/filing/0001331875-22-000071.json
- Plain text: https://secwatch.observer/filing/0001331875-22-000071.txt

## Key facts
- Earnings Releases
  Fidelity National Financial, Inc. reported the third quarter ended September 30, 2022 results: revenue $ 3,207, net income $289 million, EPS $1.05 per diluted share.
  - Period: the third quarter ended September 30, 2022
  - Revenue: $ 3,207
  - Net income: $289 million
  - EPS: $1.05 per diluted share
  - Result: reported results
  source text: themselves.” Summary Financial Results (In millions, except per share data) Three Months Ended Year to Date September 30, 2022 September 30, 2021 2022 2021 Total revenue $ 3,207 $ 3,892 $ 9,003 $ 10,846 F&G total sales 1 $ 2,873 $ 3,076 $ 8,535 $ 7,397 F&G assets under management 1 $ 41,988 $ 34,665 $ 41,988 $ 34,665 Total assets $ 62,164 $ 58,506 $
  evidence_url: https://www.sec.gov/Archives/edgar/data/1331875/000133187522000071/0001331875-22-000071-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.