earnings
confidence high
sentiment positive
materiality 0.80
FNF Q4 adjusted EPS $1.41, title margin 17.5%, completes 12% F&G distribution
Fidelity National Financial, Inc.
2025-FY EPS
reported $2.21
vs consensus $1.51
▲ beat
(+46.2%)
- Adjusted net earnings $382M ($1.41/share) vs $366M ($1.34) in Q4 2024; net loss of $117M due to $471M noncash deferred tax charge.
- Title segment adjusted pre-tax margin 17.5% (Q4) and 15.9% (FY); revenue ex-gains up 11% to $2.3B (Q4).
- F&G AUM before flow reinsurance $73.1B (+12% YoY); gross sales $3.4B (Q4), core sales $2.8B in line with prior year.
- Special distribution of ~12% F&G shares (approx $500M value) completed Dec 31; FNF retains ~70% equity ownership.
- Returned ~$170M to shareholders in Q4 ($140M dividends, $30M buybacks); FY 2025 total ~$800M.