---
schema_version: "secwatch.filing_event.v1"
accession: "0001331875-23-000056"
form_type: "8-K"
ticker: "FNF"
cik: "0001331875"
company_name: "Fidelity National Financial, Inc."
filed_at: "2023-11-07T23:59:59+00:00"
generated_at: "2026-06-08T14:03:49.650058+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.68
calibrated_materiality_score: 0.68
confidence: "high"
source: SEC EDGAR
---

# FNF Q3 net earnings $1.57/sh; adjusted EPS $1.23; Title margin 16.2% amid lower volumes

## Summary
- Net earnings $426M ($1.57/sh) vs $362M ($1.32/sh) YoY; adjusted net earnings $333M ($1.23/sh).
- Title segment revenue $1.9B (-18% YoY); adjusted pre-tax title margin 16.2% (vs 17.1% YoY).
- F&G segment gross sales $2.8B (-3%); AUM record $47.4B; adjusted net earnings $102M vs loss $12M YoY.
- Commercial revenue down 31% to $263M; purchase orders closed down 13%, refinance down 35% daily.
- Ended Q3 with $949M cash/short-term investments; paid $0.45/sh dividend ($123M).

## SEC filing metadata
- accession: 0001331875-23-000056
- form_type: 8-K
- ticker: FNF
- cik: 0001331875
- company_name: Fidelity National Financial, Inc.
- filed_at: 2023-11-07T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.68
- calibrated_materiality_score: 0.68
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1331875/000133187523000056/0001331875-23-000056-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1331875/000133187523000056/fnf-20231107.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001331875-23-000056
- JSON: https://secwatch.observer/filing/0001331875-23-000056.json
- Plain text: https://secwatch.observer/filing/0001331875-23-000056.txt

## Key facts
- Earnings Releases
  Fidelity National Financial, Inc. reported financial results for Third Quarter of 2023.
  - Period: Third Quarter of 2023
  - Result: reported results
  source text: On November 7, 2023 , Fidelity National Financial, Inc. (the "Company", "FNF") issued an earnings release announcing its financial results for the Third Quarter of 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1331875/000133187523000056/0001331875-23-000056-index.htm

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