FNF on NYSE
Fidelity National Financial
American financial services company
Fidelity National Financial, Inc. (NYSE: FNF), is an American provider of title insurance and settlement services to the real estate and mortgage industries. A Fortune 500 company, Fidelity National Financial generated approximately $8.469 billion in annual revenue in 2019 from its title and real estate-related operations. The company was the first instance of an attorney licensed by a Native American Tribe being certified as "authorized house counsel" in the state of Florida.3 It is headquartered in Jacksonville.1 Wikipedia text CC BY-SA 4.0
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Last updated Oct 21, 2026.
Overview
1847Founded1
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- TickerFNF on NYSE1
- IndustryTitle Insurance1
- HeadquartersJacksonville1
- Websitewww.fnf.com
- Legal formDelaware corporation1
- Business address601 Riverside Avenue, Jacksonville, Fl 322045
- Filer categoryLarge accelerated filer5
- LEI549300CAZYIH39SYQ2874
- StatusActive4
- LEI statusIssued and current4
- Registered addressC/O C T CORPORATION SYSTEM, 89701 Carson City, United States4
- Registered withBusiness Center (Secretary of State), NV202533748454
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Fidelity National Financial, Inc. (NYSE: FNF), is an American provider of title insurance and settlement services to the real estate and mortgage industries. A Fortune 500 company, Fidelity National Financial generated approximately $8.469 billion in annual revenue in 2019 from its title and real estate-related operations. The company was the first instance of an attorney licensed by a Native American Tribe being certified as "authorized house counsel" in the state of Florida.3
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Business segments
Title brought in 58% of the revenue Fidelity National Financial broke down this way in fiscal 2025.
Business segments by year
| Business segments | 2023 | 2024 | 2025 |
|---|---|---|---|
| Title | $7.0B | $7.7B | $8.5B |
| F&G | $4.5B | $5.7B | $5.7B |
| Corporate Segment and Other Operating | $279.0M | $343.0M | $341.0M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs35¢$744.0M
- Income tax36¢$753.0M
- Profit29¢$602.0M
Out of $2.1B in revenue.8
Where each dollar of operating cash went, fiscal 2025
- Dividends paid9¢$546.0M
- Share buybacks4¢$251.0M
- Kept or used elsewhere86¢$5.0B
Out of $5.8B of cash from operations.8
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Direct title insurance premiums | $2.6B | $2.2B | $2.0B |
| Agency title insurance premiums | $3.2B | $3.0B | $2.6B |
| Escrow, title-related and other fees | $5.4B | $5.3B | $4.7B |
| Interest and investment income | $3.2B | $3.1B | $2.6B |
| Recognized gains and losses, net | -$60.0M | $83.0M | -$164.0M |
| Total revenues | $14.4B | $13.7B | $11.8B |
| Personnel costs | $3.4B | $3.1B | $2.9B |
| Agent commissions | $2.5B | $2.3B | $2.0B |
| Other operating expenses | $1.6B | $1.6B | $1.5B |
| Benefits and other changes in policy reserves | $4.0B | $3.8B | $3.6B |
| Market risk benefit (gains) losses | $167.0M | -$25.0M | $95.0M |
| Depreciation and amortization | $844.0M | $739.0M | $593.0M |
| Provision for title claim losses | $262.0M | $232.0M | $207.0M |
| Interest expense | $242.0M | $209.0M | $174.0M |
| Total expenses | $13.0B | $11.9B | $11.1B |
| Earnings before income taxes and equity in earnings of unconsolidated affiliates | $1.4B | $1.7B | $693.0M |
| Income tax expense | $753.0M | $367.0M | $192.0M |
| Earnings before equity in earnings of unconsolidated affiliates | $644.0M | $1.4B | $501.0M |
| Equity in earnings of unconsolidated affiliates | $35.0M | $16.0M | $17.0M |
| Net earnings | $679.0M | $1.4B | $518.0M |
| Less: Net earnings attributable to non-controlling interests | $77.0M | $121.0M | $1.0M |
| Net earnings attributable to Fidelity National Financial, Inc. common shareholders | $602.0M | $1.3B | $517.0M |
| Net earnings per share attributable to FNF common shareholders, basic (in dollars per share) | $2.22 | $4.69 | $1.91 |
| Net earnings per share attributable to FNF common shareholders, diluted (in dollars per share) | $2.21 | $4.65 | $1.91 |
| Weighted average shares outstanding FNF common stock, basic basis (in shares) | 271.0M shares | 271.0M shares | 270.0M shares |
| Weighted average shares outstanding FNF common stock, diluted basis (in shares) | 272.0M shares | 273.0M shares | 271.0M shares |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Fixed maturity securities available for sale, at fair value, as of December 31, 2025 and 2024, at an amortized cost of $57,161 and $51,681, respectively, net of allowance for credit losses of $112 and $67, respectively, and includes pledged fixed maturity securities of $446 and $495, respectively, related to secured trust deposits | $54.6B | $48.2B | ||
| Derivative investments | $1.2B | $794.0M | ||
| Mortgage loans, net of allowance for credit losses of $86 and $70 as of December 31, 2025 and 2024, respectively | $7.9B | $5.9B | ||
| Investments in unconsolidated affiliates (2025 includes $262 related to investments held by consolidated variable interest entities (VIEs) and 2025 and 2024 include certain investments at fair value of $270 and $272, respectively) | $5.2B | $3.7B | ||
| Other long-term investments (2025 includes $248 related to investments held by consolidated VIEs) | $1.6B | $811.0M | ||
| Short-term investments (2025 includes $116 related to investments held by consolidated VIEs) | $1.9B | $3.0B | ||
| Total investments | $73.2B | $63.6B | ||
| Cash and cash equivalents, as of December 31, 2025 and 2024 includes $261 and $69, respectively, of pledged cash related to secured trust deposits | $2.6B | $3.5B | ||
| Trade and notes receivables, net of allowance of $31 and $32 as of December 31, 2025 and 2024, respectively | $473.0M | $471.0M | ||
| Reinsurance recoverable, net of allowance for credit losses of $18 and $20 at December 31, 2025 and 2024, respectively | $17.6B | $13.4B | ||
| Goodwill | $5.3B | $5.3B | $4.8B | |
| Prepaid expenses and other assets | $2.0B | $1.9B | ||
| Market risk benefits assets | $285.0M | $189.0M | ||
| Lease assets | $336.0M | $351.0M | ||
| Other intangible assets, net | $6.6B | $6.0B | ||
| Title plants | $424.0M | $420.0M | ||
| Property and equipment, net | $189.0M | $173.0M | ||
| Total assets | $109.0B | $95.3B | $80.6B | |
| Contractholder funds | $62.7B | $56.4B | ||
| Future policy benefits | $10.8B | $8.7B | ||
| Accounts payable and accrued liabilities | $3.8B | $3.2B | ||
| Market risk benefits liability | $903.0M | $549.0M | ||
| Notes payable | $4.4B | $4.3B | ||
| Reserve for title claim losses | $1.7B | $1.7B | ||
| Funds withheld for reinsurance liabilities | $14.2B | $10.8B | ||
| Secured trust deposits | $731.0M | $551.0M | ||
| Lease liabilities | $368.0M | $385.0M | ||
| Income taxes payable | $1.0M | $52.0M | ||
| Deferred tax liability | $439.0M | $0 | ||
| Total liabilities | $100.0B | $86.7B | ||
| FNF common stock, $0.0001 par value; authorized 600 shares as of December 31, 2025 and 2024, respectively; outstanding of 271 and 275 as of December 31, 2025 and 2024, respectively, and issued of 332 and 331 as of December 31, 2025 and 2024, respectively | $0 | $0 | ||
| Preferred stock, $0.0001 par value; authorized 50 shares; issued and outstanding, none | $0 | $0 | ||
| Additional paid-in capital | $6.0B | $6.0B | ||
| Retained earnings | $5.5B | $6.0B | ||
| Accumulated other comprehensive earnings | -$1.7B | -$2.1B | ||
| Less: Treasury stock, 61 and 56 shares as of December 31, 2025 and 2024, at cost | -$2.4B | -$2.2B | ||
| Total Fidelity National Financial, Inc. shareholders equity | $7.4B | $7.8B | ||
| Non-controlling interests | $1.5B | $778.0M | ||
| Total equity | $9.0B | $8.5B | $7.5B | $6.6B |
| Total liabilities and equity | $109.0B | $95.3B | ||
| Available-for-sale securities, amortized cost, net | $57.2B | $51.7B | ||
| Available for sale securities, allowance for credit losses | $112.0M | $67.0M | ||
| Available-for-sale securities, pledged securities, secured trust deposits | $446.0M | $495.0M | ||
| Mortgage loans, allowance for credit loss | $86.0M | $70.0M | $66.0M | |
| Cash, pledged, secured trust deposits | $261.0M | $69.0M | ||
| Allowance for doubtful accounts, premiums and other receivables | $31.0M | $32.0M | ||
| Expected credit losses on reinsurance recoverable | $18.0M | $20.0M | $21.0M | |
| Common stock, par value per share (in dollars per share) | $0.00 | $0.00 | ||
| Common stock, shares authorized (in shares) | 600.0M shares | 600.0M shares | ||
| Common stock, shares outstanding (in shares) | 271.0M shares | 275.0M shares | ||
| Common stock, shares issued (in shares) | 332.0M shares | 331.0M shares | ||
| Preferred stock, par or stated value per share (in dollars per share) | $0.00 | $0.00 | ||
| Preferred stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | ||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | ||
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | ||
| Treasury stock (in shares) | 61.0M shares | 56.0M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Fixed maturity securities available for sale, at fair value, as of December 31, 2025 and 2024, at an amortized cost of $57,161 and $51,681, respectively, net of allowance for credit losses of $112 and $67, respectively, and includes pledged fixed maturity securities of $446 and $495, respectively, related to secured trust deposits | $54.6B | $48.2B | ||
| Derivative investments | $1.2B | $794.0M | ||
| Mortgage loans, net of allowance for credit losses of $86 and $70 as of December 31, 2025 and 2024, respectively | $7.9B | $5.9B | ||
| Investments in unconsolidated affiliates (2025 includes $262 related to investments held by consolidated variable interest entities (VIEs) and 2025 and 2024 include certain investments at fair value of $270 and $272, respectively) | $5.2B | $3.7B | ||
| Other long-term investments (2025 includes $248 related to investments held by consolidated VIEs) | $1.6B | $811.0M | ||
| Short-term investments (2025 includes $116 related to investments held by consolidated VIEs) | $1.9B | $3.0B | ||
| Total investments | $73.2B | $63.6B | ||
| Cash and cash equivalents, as of December 31, 2025 and 2024 includes $261 and $69, respectively, of pledged cash related to secured trust deposits | $2.6B | $3.5B | ||
| Trade and notes receivables, net of allowance of $31 and $32 as of December 31, 2025 and 2024, respectively | $473.0M | $471.0M | ||
| Reinsurance recoverable, net of allowance for credit losses of $18 and $20 at December 31, 2025 and 2024, respectively | $17.6B | $13.4B | ||
| Goodwill | $5.3B | $5.3B | $4.8B | |
| Prepaid expenses and other assets | $2.0B | $1.9B | ||
| Market risk benefits assets | $285.0M | $189.0M | ||
| Lease assets | $336.0M | $351.0M | ||
| Other intangible assets, net | $6.6B | $6.0B | ||
| Title plants | $424.0M | $420.0M | ||
| Property and equipment, net | $189.0M | $173.0M | ||
| Total assets | $109.0B | $95.3B | $80.6B | |
| Contractholder funds | $62.7B | $56.4B | ||
| Future policy benefits | $10.8B | $8.7B | ||
| Accounts payable and accrued liabilities | $3.8B | $3.2B | ||
| Market risk benefits liability | $903.0M | $549.0M | ||
| Notes payable | $4.4B | $4.3B | ||
| Reserve for title claim losses | $1.7B | $1.7B | ||
| Funds withheld for reinsurance liabilities | $14.2B | $10.8B | ||
| Secured trust deposits | $731.0M | $551.0M | ||
| Lease liabilities | $368.0M | $385.0M | ||
| Income taxes payable | $1.0M | $52.0M | ||
| Deferred tax liability | $439.0M | $0 | ||
| Total liabilities | $100.0B | $86.7B | ||
| FNF common stock, $0.0001 par value; authorized 600 shares as of December 31, 2025 and 2024, respectively; outstanding of 271 and 275 as of December 31, 2025 and 2024, respectively, and issued of 332 and 331 as of December 31, 2025 and 2024, respectively | $0 | $0 | ||
| Preferred stock, $0.0001 par value; authorized 50 shares; issued and outstanding, none | $0 | $0 | ||
| Additional paid-in capital | $6.0B | $6.0B | ||
| Retained earnings | $5.5B | $6.0B | ||
| Accumulated other comprehensive earnings | -$1.7B | -$2.1B | ||
| Less: Treasury stock, 61 and 56 shares as of December 31, 2025 and 2024, at cost | -$2.4B | -$2.2B | ||
| Total Fidelity National Financial, Inc. shareholders equity | $7.4B | $7.8B | ||
| Non-controlling interests | $1.5B | $778.0M | ||
| Total equity | $9.0B | $8.5B | $7.5B | $6.6B |
| Total liabilities and equity | $109.0B | $95.3B | ||
| Available-for-sale securities, amortized cost, net | $57.2B | $51.7B | ||
| Available for sale securities, allowance for credit losses | $112.0M | $67.0M | ||
| Available-for-sale securities, pledged securities, secured trust deposits | $446.0M | $495.0M | ||
| Mortgage loans, allowance for credit loss | $86.0M | $70.0M | $66.0M | |
| Cash, pledged, secured trust deposits | $261.0M | $69.0M | ||
| Allowance for doubtful accounts, premiums and other receivables | $31.0M | $32.0M | ||
| Expected credit losses on reinsurance recoverable | $18.0M | $20.0M | $21.0M | |
| Common stock, par value per share (in dollars per share) | $0.00 | $0.00 | ||
| Common stock, shares authorized (in shares) | 600.0M shares | 600.0M shares | ||
| Common stock, shares outstanding (in shares) | 271.0M shares | 275.0M shares | ||
| Common stock, shares issued (in shares) | 332.0M shares | 331.0M shares | ||
| Preferred stock, par or stated value per share (in dollars per share) | $0.00 | $0.00 | ||
| Preferred stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | ||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | ||
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | ||
| Treasury stock (in shares) | 61.0M shares | 56.0M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net earnings | $679.0M | $1.4B | $518.0M |
| Depreciation and amortization | $844.0M | $739.0M | $593.0M |
| Equity in earnings of unconsolidated affiliates | -$35.0M | -$16.0M | -$17.0M |
| Loss (gain) on sales of investments and other assets and asset impairments, net | $215.0M | -$339.0M | $542.0M |
| Interest credited/index credits to contractholder account balances | $202.0M | $1.3B | $1.4B |
| Change in market risk benefits, net | $167.0M | -$25.0M | $95.0M |
| Deferred policy acquisition costs and deferred sales inducements | -$1.3B | -$1.4B | -$1.1B |
| Charges assessed to contractholders for mortality and administration | -$330.0M | -$291.0M | -$255.0M |
| Non-cash lease costs | $131.0M | $132.0M | $136.0M |
| Operating lease payments | -$136.0M | -$147.0M | -$153.0M |
| Distributions from unconsolidated affiliates, return on investment | $196.0M | $127.0M | $122.0M |
| Stock-based compensation cost | $88.0M | $82.0M | $60.0M |
| Change in NAV of limited partnerships, net | -$349.0M | -$350.0M | -$220.0M |
| Change in valuation of derivatives, equity and preferred securities, net | -$160.0M | $189.0M | -$388.0M |
| Change in derivative collateral liability, net | $249.0M | $91.0M | $410.0M |
| Change in reinsurance recoverable | -$1.0M | -$13.0M | $78.0M |
| Change in future policy benefits | $1.7B | $1.9B | $1.3B |
| Change in funds withheld from reinsurers | $3.3B | $3.8B | $3.4B |
| Net (increase) decrease in trade receivables | -$14.0M | -$43.0M | $37.0M |
| Net decrease in reserve for title claim losses | -$12.0M | -$57.0M | -$40.0M |
| Net change in income taxes | $481.0M | $83.0M | -$50.0M |
| Net change in other assets and other liabilities | -$88.0M | -$294.0M | -$26.0M |
| Net cash provided by (used in) operating activities | $5.8B | $6.8B | $6.5B |
| Proceeds from sales, calls and maturities of investment securities | $15.0B | $12.3B | $5.9B |
| Fundings of notes receivable | -$16.0M | -$21.0M | -$19.0M |
| Additions to property and equipment and capitalized software | -$147.0M | -$146.0M | -$132.0M |
| Purchases of investment securities | -$23.2B | -$17.8B | -$14.0B |
| Net proceeds from (purchases of) sales and maturities of short-term investment securities | $1.3B | -$1.1B | $340.0M |
| Other acquisitions/disposals, net of cash acquired | -$62.0M | -$586.0M | -$299.0M |
| Additional investments in unconsolidated affiliates | -$2.5B | -$1.1B | -$1.3B |
| Distributions from unconsolidated affiliates, return of investment | $694.0M | $621.0M | $423.0M |
| Net other investing activities | $5.0M | $28.0M | $3.0M |
| Net cash used in investing activities | -$8.9B | -$7.9B | -$9.1B |
| Borrowings | $10.0M | $18.0M | $6.0M |
| Debt offering | $375.0M | $1.1B | $845.0M |
| F&G Credit Agreement repayments, net | $0 | -$365.0M | -$185.0M |
| Debt costs/equity issuance additions | -$11.0M | -$20.0M | -$16.0M |
| Debt service payments | -$300.0M | -$250.0M | $0 |
| Dividends paid | -$546.0M | -$532.0M | -$500.0M |
| Subsidiary dividends paid to non-controlling interest shareholders | -$62.0M | -$49.0M | -$32.0M |
| Exercise of stock options | $4.0M | $21.0M | $15.0M |
| Net change in secured trust deposits | $180.0M | -$179.0M | -$132.0M |
| Purchase of additional share in consolidated subsidiaries | -$11.0M | -$21.0M | -$19.0M |
| Payment of contingent consideration for prior period acquisitions | -$27.0M | -$17.0M | -$10.0M |
| Payment for shares withheld for taxes on share-based compensation | -$27.0M | -$34.0M | -$17.0M |
| Contractholder account deposits | $11.6B | $10.1B | $7.8B |
| Contractholder account withdrawals | -$8.8B | -$8.0B | -$4.6B |
| F&G Equity Offering | $117.0M | $0 | $0 |
| F&G repurchases of F&G stock | $0 | $0 | -$18.0M |
| Purchases of treasury stock | -$251.0M | $0 | -$6.0M |
| Net cash provided by financing activities | $2.3B | $1.8B | $3.1B |
| Net (decrease) increase in cash and cash equivalents | -$843.0M | $712.0M | $481.0M |
No quarter-by-quarter statement was filed.
Corporate structure
Fidelity National Financial sits at the top of its group. 16 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Fidelity National Financial
- VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on Fidelity National Financial, latest Apr 29, 2026
- BlackRock Filed SCHEDULE 13G/A on Fidelity National Financial, latest Apr 24, 2026 (6 filings since Jan 28, 2022)
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on Fidelity National Financial, latest Mar 26, 2026 (6 filings since Feb 10, 2022)
- WINDACRE PARTNERSHIP LLC Filed SCHEDULE 13G/A on Fidelity National Financial, latest Nov 14, 2025 (2 filings since Feb 14, 2024)
- PRINCIPAL GLOBAL INVESTORS Filed SC 13G/A on Fidelity National Financial, latest Feb 15, 2022
- Fidelity National Financial Jacksonville, Florida, United States
- AEVEX Corp. Stake · Solana Beach, California
- Cannae Holdings, Inc. Stake · Las Vegas, Nevada
- F&G Annuities & Life, Inc. Stake · Des Moines, Iowa
- Paysafe Group Stake · London, United Kingdom
- United Homes Group, Inc. Stake · New York, New York, United States
- 317 CL FLORIDA LLC Subsidiary · Armonk, New York, United States
- Chicago Title Insurance Company Subsidiary · Florida, United States
- Commonwealth Land Title Insurance Company Subsidiary · Florida, United States
- F&G Annuities & Life, Inc. Subsidiary · Delaware, United States
- Fidelity National Title Group, Inc. Subsidiary · Delaware, United States
- Fidelity National Title Insurance Company Subsidiary · Florida, United States
- FNTG Holdings, LLC Subsidiary · Delaware, United States
- LoanCare, LLC Subsidiary · Virginia Beach, Virginia, United States
- MISSION SERVICING RESIDENTIAL, INC. Subsidiary · Irving, Texas, United States
- ServiceLink Holdings, Inc. Subsidiary · Delaware, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; subsidiaries, stakes and holdings from Wikidata (CC0); major holders from Schedules 13D and 13G; stakes of 5% or more it reported on Schedules 13D and 13G (5 companies). Each entity in the chart links to its source.
What it owns
What Fidelity National Financial reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $587.0M8 Dec 31, 2025 | $557.0M8 Dec 31, 2024 | +5.4% |
| Accumulated depreciation | $398.0M8 Dec 31, 2025 | $384.0M8 Dec 31, 2024 | +3.6% |
| Property and equipment, net | $189.0M8 Dec 31, 2025 | $173.0M8 Dec 31, 2024 | +9.2% |
| Operating-lease assets (leased space) | $336.0M8 Dec 31, 2025 | $351.0M8 Dec 31, 2024 | −4.3% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $2.6B8 Dec 31, 2025 | $3.5B8 Dec 31, 2024 | −24.2% |
| Stakes in other companies (equity method) | $5.2B8 Dec 31, 2025 | $3.7B8 Dec 31, 2024 | +38.5% |
| Loans, net of allowance | $7.9B8 Dec 31, 2025 | $5.9B8 Dec 31, 2024 | +33.2% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $5.3B8 Dec 31, 2025 | $5.3B8 Dec 31, 2024 | 0% |
| Intangible assets, net (excluding goodwill) | $6.0B12 Dec 31, 2024 | $4.6B12 Dec 31, 2023 | +29.2% |
| Finite-lived intangibles, net | $917.0M8 Dec 31, 2025 | $966.0M8 Dec 31, 2024 | −5.1% |
Properties, in its own words
Our corporate headquarters are in Jacksonville, Florida in owned facilities. F&G's headquarters are in Des Moines, Iowa in leased facilities.
The majority of our branch offices are leased from third parties. See Note P Leases to our Consolidated Financial Statements included in Item 8 of Part II of this Annual Report for further information on our outstanding leases. Our subsidiaries conduct their business operations primarily in leased office space in 47 states, Washington, DC, Canada, India, Bermuda and the Cayman Islands.
Item 2 of the 10-K filed Feb 26, 2026.16
Stakes and holdings (Wikidata)
- Fidelity National Title Insurance Company
Things Wikidata records the company as owning, with the share when stated.1
Leadership
Who has led Fidelity National Financial, and when. Pick a name to see everywhere that person has worked.
Chief executive
President
Chief financial officer
Chief operating officer
197019801990200020102020
- Chief executive officerRaymond R. Quirk Feb 24, 2014 to Nov 1, 202217
- Chief executive officerGeorge P. Scanlon Nov 16, 2010 to Dec 12, 201318
- Chief executive officerAlan L. Stinson Feb 14, 2008 to Nov 25, 200919
- Chief executive officerWilliam P. Foley Ii. Feb 14, 2006 to Oct 26, 200620
- ChairWilliam P. Foley Ii. Nov 13, 2023 to Nov 17, 202321
- ChairRaymond R. Quirk Nov 8, 2022 to Nov 13, 202322
- PresidentBrent B. Bickett Feb 10, 2014 to Nov 24, 201523
- PresidentRaymond R. Quirk Oct 29, 2008 to Nov 27, 201324
- PresidentChristopher Abbinante Oct 27, 2006 to Dec 23, 200825
- PresidentErika Meinhardt Oct 27, 2006 to Dec 23, 200826
- PresidentRoger S. Jewkes Oct 27, 2006 to Dec 23, 200827
- Chief financial officerAlan L. Stinson Apr 6, 2006 to Oct 26, 200628
- Chief financial officerAnthony Park Oct 27, 2006 to now29
- Chief operating officerRoger S. Jewkes Feb 10, 2016 to Apr 4, 202230
- Chief operating officerGeorge P. Scanlon Jun 2, 2010 to Jun 2, 201031
- Chief operating officerRaymond R. Quirk Oct 27, 2006 to Oct 21, 200832
Board members and other officers (29)
- EVP, Eastern OperationsChristopher Abbinante Mar 25, 2009 to Mar 25, 200933
- Senior VP and TreasurerDaniel K. Murphy Apr 23, 2009 to Nov 28, 201134
- Exec. VPBrent B. Bickett Oct 10, 2006 to Oct 26, 200635
- Executive OfficerAlan L. Stinson Oct 26, 2006 to Nov 24, 201036
- Executive OfficerBrent B. Bickett Oct 26, 2006 to Oct 31, 201937
- Executive Vice PresidentMichael L. Gravelle Oct 27, 2006 to now38
- Executive OfficerPeter T. Sadowski Oct 27, 2006 to Oct 21, 200839
- Board memberHalim Dhanidina May 7, 2021 to now40
- Board memberRaymond R. Quirk Jun 3, 2020 to Nov 1, 202241
- Board memberSandra Douglass Morgan Nov 9, 2020 to now42
- Board memberHeather Hay Murren May 9, 2017 to now43
- Board memberJanet Kerr Mar 7, 2016 to Apr 24, 201844
- Board memberJohn D. Rood May 31, 2013 to now45
- Board memberRichard N. Massey Feb 9, 2006 to Feb 9, 200646
- Board memberWilliam P. Foley Ii. Feb 14, 2006 to Oct 26, 200620
- Board memberPeter O. Shea Jr. Apr 21, 2006 to now47
- Board memberPhilip G. Heasley May 11, 2006 to Oct 29, 200848
- Board memberCary H. Thompson Oct 26, 2006 to Oct 26, 200649
- Board memberDaniel D. Lane Oct 26, 2006 to Oct 26, 200650
- Board memberJohn F. Farrell Jr. Oct 26, 2006 to Oct 26, 200651
- Board memberWilliam P. Foley Ii. Oct 26, 2006 to Nov 12, 202452
- Board memberCary H. Thompson Oct 27, 2006 to now53
- Board memberDaniel D. Lane Oct 27, 2006 to now54
- Board memberDavis Willie Oct 27, 2006 to Nov 21, 201755
- Board memberFrank P. Willey Oct 27, 2006 to Nov 21, 201756
- Board memberJohn F. Farrell Jr. Oct 27, 2006 to Oct 29, 200857
- Board memberRichard N. Massey Oct 27, 2006 to Jan 5, 202158
- General counselPeter T. Sadowski Oct 29, 2008 to now59
- General counselPeter T. Sadowski Oct 26, 2006 to Dec 15, 200660
Products and brands
- title insurance
Listed on Wikidata.1
Subsidiaries and ownership
Subsidiaries
- Fidelity National Title Insurance Company
Subsidiaries (Exhibit 21)
- Chicago Title Insurance Company Florida6
- Commonwealth Land Title Insurance Company Florida6
- F&G Annuities & Life, Inc. Delaware6
- FNTG Holdings, LLC Delaware6
- Fidelity National Title Group, Inc. Delaware6
- Fidelity National Title Insurance Company Florida6
- ServiceLink Holdings, Inc. Delaware6
From Wikidata.1 The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Former names
- Fidelity National Title Group, Inc.Jul 6, 2005 to Nov 17, 20065
Timeline
- Sep 16, 20268-K Regulation FD disclosure61
- Aug 5, 20268-K Results of operations62
- Jun 11, 20268-K Bylaws or fiscal year changed; Shareholder vote63
- May 12, 20268-K Executive or director change64
- May 6, 20268-K Results of operations65
- Feb 19, 20268-K Results of operations66
- Dec 18, 20258-K Other events67
- Nov 7, 20258-K Other events68
- Nov 6, 20258-K Results of operations69
- Aug 6, 20258-K Results of operations70
- Jun 12, 20258-K Change to shareholders' rights; Bylaws or fiscal year changed; Shareholder vote71
- Jun 4, 20258-K Entered a material agreement; Other events72
- Feb 24, 2014New chief executive Raymond R. Quirk becomes CEO17
- Nov 16, 2010New chief executive George P. Scanlon becomes CEO18
- Feb 14, 2008New chief executive Alan L. Stinson becomes CEO19
- Feb 14, 2006New chief executive William P. Foley Ii. becomes CEO20
- 1847Founded Founded1
Calendar
Coming up
- Nov 5, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $1.57 a share, on Nov 6, 2025.73
When it reported results
- Aug 5, 2026Reported quarterly or annual results62
- May 6, 2026Reported quarterly or annual results65
- Feb 19, 2026Reported quarterly or annual results66
- Nov 6, 2025Reported quarterly or annual results69
- Aug 6, 2025Reported quarterly or annual results70
- May 7, 2025Reported quarterly or annual results74
- Feb 20, 2025Reported quarterly or annual results75
- Nov 6, 2024Reported quarterly or annual results76
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
398 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 56 major events, 233 insider forms, 16 large holders, 72 other. The latest 20:
- Oct 2, 20264 PRIMARY DOCUMENT EDGAR
- Oct 2, 20264 PRIMARY DOCUMENT EDGAR
- Sep 16, 20268-K EDGAR
- Aug 26, 2026N-PX EDGAR
- Aug 7, 202613F-HR EDGAR
- Aug 6, 202610-Q EDGAR
- Aug 5, 20268-K EDGAR
- Jul 2, 20264 PRIMARY DOCUMENT EDGAR
- Jul 2, 20264 PRIMARY DOCUMENT EDGAR
- Jun 29, 20264 PRIMARY DOCUMENT EDGAR
- Jun 26, 2026144 EDGAR
- Jun 25, 20264 PRIMARY DOCUMENT EDGAR
- Jun 24, 2026144 EDGAR
- Jun 24, 202611-K EDGAR
- Jun 11, 20268-K EDGAR
- May 12, 20264 PRIMARY DOCUMENT EDGAR
- May 12, 20268-K EDGAR
- May 8, 202613F-HR EDGAR
- May 8, 202610-Q EDGAR
- May 7, 2026S-3ASR EDGAR
The 398 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
27 open-market trades by officers, directors and large owners since October 2021: 0 buys and 27 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Jun 26, 2026 | SADOWSKI PETER TEVP, Chief Legal Officer | Sale | 69,196 | $45.70 | $3.2M | Form 4 |
| Jun 24, 2026 | Dhanidina HalimDirector | Sale | 9,543 | $418.25 | $4.0M | Form 4 |
| Apr 8, 2026 | SADOWSKI PETER TEVP, Chief Legal Officer | Sale | 473 | $47.67 | $22.5K | Form 4 |
| Jan 5, 2026 | Dhanidina HalimDirector | Sale | 6,000 | $55.90 | $335.4K | Form 4 |
| Nov 17, 2025 | LANE DANIEL DDirector | Sale | 6,367 | $57.63 | $366.9K | Form 4 |
| Jun 5, 2025 | Rood John DDirector | Sale | 10,000 | $53.96 | $539.6K | Form 4 |
| Mar 24, 2025 | Dhanidina HalimDirector | Sale | 2,400 | $64.76 | $155.4K | Form 4 |
| Jan 10, 2025 | Dhanidina HalimDirector | Sale | 2,800 | $54.85 | $153.6K | Form 4 |
| Dec 24, 2024 | Morgan Sandra DouglassDirector | Sale | 2,092 | $56.33 | $117.8K | Form 4 |
| Sep 18, 2024 | Dhanidina HalimDirector | Sale | 1,700 | $60.85 | $103.4K | Form 4 |
| Aug 19, 2024 | SADOWSKI PETER TEVP, Chief Legal Officer | Sale | 20,000 | $57.34 | $1.1M | Form 4 |
| Jun 4, 2024 | PARK ANTHONYEVP & Chief Financial Officer | Sale | 85,000 | $50.82 | $4.3M | Form 4 |
| Apr 26, 2024 | Dhanidina HalimDirector | Sale | 3,000 | $50.64 | $151.9K | Form 4 |
| Mar 4, 2024 | THOMPSON CARY HDirector | Sale | 23,410 | $51.11 | $1.2M | Form 4 |
| Jan 17, 2024 | LANE DANIEL DDirector | Sale | 6,131 | $48.19 | $295.5K | Form 4 |
| Jan 12, 2024 | Dhanidina HalimDirector | Sale | 3,265 | $49.34 | $161.1K | Form 4 |
| Sep 11, 2023 | Nolan Michael JosephChief Executive Officer | Sale | 30,000 | $43.12 | $1.3M | Form 4 |
| Dec 5, 2022 | LANE DANIEL DDirector | Sale | 5,531 | $37.44 | $207.1K | Form 4 |
| Sep 14, 2022 | Shea Peter O JrDirector | Sale | 13,389 | $40.83 | $546.7K | Form 4 |
| Aug 19, 2022 | SADOWSKI PETER TEVP, Chief Legal Officer | Sale | 22,500 | $40.85 | $919.1K | Form 4 |
All 27 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- VANGUARD CAPITAL MANAGEMENT LLCSCHEDULE 13G, 1 filing Apr 29, 202677
- BlackRockSCHEDULE 13G/A, 6 filings Jan 28, 2022 to Apr 24, 202678
- VANGUARD GROUP INCSCHEDULE 13G/A, 6 filings Feb 10, 2022 to Mar 26, 202679
- WINDACRE PARTNERSHIP LLCSCHEDULE 13G/A, 2 filings Feb 14, 2024 to Nov 14, 202580
- PRINCIPAL GLOBAL INVESTORSSC 13G/A, 1 filing Feb 15, 202281
Stakes it holds
Fidelity National Financial has told the SEC it owns more than 5% of 5 companies, latest first (Schedules 13D and 13G).
- AEVEX Corp.SCHEDULE 13G Aug 14, 202682
- F&G Annuities & Life, Inc.SCHEDULE 13G/A Feb 10, 2023 to Jan 7, 202683
- Paysafe GroupSCHEDULE 13G/A Feb 14, 2022 to Dec 1, 202584
- United Homes Group, Inc.SC 13G Dec 17, 202485
- Cannae Holdings, Inc.SC 13G/A Feb 14, 2022 to Feb 13, 202386
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Michael J. NolanChief Executive Officer | 66 | $1.1M | $11.6M87 |
| 2025 | Raymond R. QuirkExecutive Vice-Chairman | 79 | $550.0K | $5.8M87 |
| 2025 | Anthony J. ParkExecutive Vice President and Chief Financial Officer | 59 | $762.9K | $4.6M87 |
| 2025 | Michael L. GravelleExecutive Vice President, General Counsel and Corporate Secretary | 64 | $570.0K | $4.1M87 |
| 2025 | Peter T. SadowskiExecutive Vice President and Chief Legal Officer | 71 | $655.2K | $3.8M87 |
| 2024 | Michael J. NolanChief Executive Officer | 66 | $996.2K | $10.6M87 |
| 2024 | Raymond R. QuirkExecutive Vice-Chairman | 79 | $561.5K | $6.6M87 |
| 2024 | Anthony J. ParkExecutive Vice President and Chief Financial Officer | 59 | $696.0K | $4.0M87 |
| 2024 | Peter T. SadowskiExecutive Vice President and Chief Legal Officer | 71 | $626.5K | $3.6M87 |
| 2024 | Michael L. GravelleExecutive Vice President, General Counsel and Corporate Secretary | 64 | $567.1K | $3.5M87 |
| 2023 | Michael J. NolanChief Executive Officer | 66 | $947.3K | $9.9M87 |
| 2023 | Raymond R. QuirkExecutive Vice-Chairman | 79 | $665.4K | $6.7M87 |
| 2023 | Anthony J. ParkExecutive Vice President and Chief Financial Officer | 59 | $657.3K | $3.7M87 |
| 2023 | Peter T. SadowskiExecutive Vice President and Chief Legal Officer | 71 | $600.0K | $3.3M87 |
| 2023 | Michael L. GravelleExecutive Vice President, General Counsel and Corporate Secretary | 64 | $545.0K | $3.2M87 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| BlackRock, Inc. | 37,537,193 | $1.8B | 0.0% | −2,072,770 |
| Windacre Partnership LLC | 20,902,800 | $985.8M | 9.7% | No change |
| First Eagle Investment Management, LLC | 17,954,004 | $846.7M | 0.7% | +9,073,896 |
| Vanguard Portfolio Management LLC | 12,142,473 | $572.6M | 0.0% | −120,787 |
| Vanguard Capital Management LLC | 11,508,579 | $542.7M | 0.0% | −11,024 |
| State Street Corp | 9,776,270 | $461.0M | 0.0% | +258,712 |
| Charles Schwab Investment Management Inc | 8,384,051 | $395.4M | 0.1% | +749,108 |
| Aqr Capital Management LLC | 7,395,407 | $348.8M | 0.1% | +1,978,743 |
| Fmr LLC | 7,077,672 | $333.8M | 0.0% | +2,942,557 |
| Geode Capital Management, LLC | 5,044,520 | $237.3M | 0.0% | −171,231 |
| Dimensional Fund Advisors LP | 4,790,731 | $225.9M | 0.0% | +579,907 |
| Cooke & Bieler LP | 4,770,774 | $225.0M | 2.6% | −45,824 |
| Brave Warrior Advisors, LLC | 3,446,864 | $162.6M | 3.5% | −55,349 |
| Norges Bank | 3,324,025 | $156.8M | 0.0% | New |
| Goldman Sachs Group Inc | 2,499,726 | $117.9M | 0.0% | +1,290,330 |
| Arrowstreet Capital, Limited Partnership | 2,479,228 | $116.9M | 0.1% | +1,133,472 |
| Bank of New York Mellon Corp | 2,393,590 | $112.9M | 0.0% | −135,793 |
| Alliancebernstein L.P. | 2,411,503 | $111.8M | 0.0% | −2,949,409 |
| Northern Trust Corp | 2,232,938 | $105.3M | 0.0% | +22,389 |
| Morgan Stanley | 2,200,521 | $103.8M | 0.0% | −5,904 |
| Principal Financial Group Inc | 2,125,626 | $100.2M | 0.0% | −1,407,882 |
| Nuveen, LLC | 2,068,513 | $97.6M | 0.0% | −213,051 |
| Confluence Investment Management LLC | 1,908,912 | $90.0M | 1.4% | −48,095 |
| D. E. Shaw & Co., Inc. | 1,709,587 | $80.6M | 0.1% | +1,131,650 |
| Vanguard Fiduciary Trust Co | 1,605,984 | $75.7M | 0.0% | +18,826 |
13F reports cover disclosed long positions in U.S. stocks only.
Members of Congress who traded it
9 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.
| Date | Member | Trade | Amount | Vs S&P since | Filing |
|---|---|---|---|---|---|
| Jan 12, 2026 | August PflugerRepublican, House | Sale | $1,001 - $15,000 | +37.0% | Report |
| Sep 4, 2024 | John JamesRepublican, House | Sale | $1,001 - $15,000 | +70.5% | Report |
| Dec 11, 2023 | Thomas R Carper, Senate | Sale | $1,001 - $15,000 | +79.8% | Report |
| Jul 12, 2023 | Daniel S. GoldmanDemocratic, House | Sale | $15,001 - $50,000 | +62.2% | Report |
| Jul 10, 2023 | Thomas R Carper, Senate | Buy | $1,001 - $15,000 | −61.4% | Report |
| Apr 10, 2023 | Daniel S. GoldmanDemocratic, House | Buy | $1,001 - $15,000 | −70.2% | Report |
| Mar 6, 2023 | Daniel S. GoldmanDemocratic, House | Buy | $1,001 - $15,000 | −81.4% | Report |
| Mar 16, 2022 | John H. RutherfordRepublican, House | Sale | $1,001 - $15,000 | +90.5% | Report |
| Mar 31, 2021 | August PflugerRepublican, House | Buy | $1,001 - $15,000 | −89.5% | Report |
Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).
SEC filer profile
How Fidelity National Financial is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARFidelity National Financial, Inc.2
- CIK0001331875
- Employer ID (EIN)16-172510616
- Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company16
- Incorporated inNevada16
- Fiscal year endsDecember 312
- Industry code (SIC)6361 Title Insurance2
- SEC reviewing officeOffice of Finance, Division of Corporation Finance2
- Business address601 Riverside Avenue, Jacksonville, FL 322042
- Phone904-854-81002
- Shares outstanding268,192,827 as of Jul 31, 202614
- Public float$13.9B as of Jun 30, 202516
- AuditorErnst & Young LLP, Jacksonville, Florida PCAOB ID 42; it also attests to the company’s internal control over financial reporting16
- On EDGAR sinceJul 6, 20052
- Filings2,202 in all: 4 (1,240), 8-K (231), 13F-HR (69), SC 13G/A (66), 10-Q (63), 425 (46), 3 (45), 5 (42)2
All 61 form types
SC 13G (38), 4/A (29), DEFA14A (24), SC 13D/A (22), 10-K (21), 11-K (20), 144 (20), DEF 14A (20), UPLOAD (18), CORRESP (17), S-8 (14), 424B2 (11), ARS (10), S-3ASR (8), S-4/A (8), SC 13D (8), SC TO-T/A (8), SCHEDULE 13G/A (8), 8-K/A (7), 424B3 (6), EFFECT (6), PRE 14A (6), S-1/A (6), S-4 (6), 10-K/A (5), FWP (5), S-8 POS (5), 13F-NT (3), 424B5 (3), CERTNYS (3), SC TO-C (3), SC TO-I/A (3), 25-NSE (2), 8-A12B (2), N-PX (2), RW (2), S-1 (2), SC TO-T (2), SCHEDULE 13G (2), SD (2), 13F-HR/A (1), 15-12B (1), 3/A (1), 5/A (1), 8-A12B/A (1), CT ORDER (1), DEFM14A (1), DEFM14C (1), NT 10-K/A (1), POSASR (1), PREM14C (1), S-B (1), SC TO-I (1)
- Latest filingsAnnual report (10-K) Feb 26, 2026
Quarterly report (10-Q) Aug 6, 2026
Proxy statement (DEF 14A) Apr 29, 2026
Latest 8-K (8-K) Sep 16, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| FNF Common Stock, $0.0001 par value | FNF | New York Stock Exchange |
From the cover page of the 10-K filed Feb 26, 2026 (Section 12(b) of the Exchange Act).16
Risk factors and legal proceedings
The risks Fidelity National Financial names in Item 1A of its 10-K filed Feb 26, 2026: 47 risks under these headings, as written.16
- If economic and credit market conditions deteriorate, it could have a material adverse impact on our investment portfolio and could also cause our stock price to fluctuate significantly.
- Equity market volatility could negatively impact our business.
- Conditions in the economy generally could adversely affect our business, results of operations and financial condition.
- Our investments are subject to market and credit risks. These risks could be heightened during periods of extreme volatility or disruption in financial and credit markets.
- If adverse changes in the levels of real estate activity occur, our revenues may decline.
- Interest rate fluctuations could adversely affect our business, financial condition, liquidity, results of operations and cash flows.
- F&G is exposed to liquidity risk as a result of its other risks.
- We have recorded goodwill as a result of prior acquisitions, and an economic downturn could cause these balances to become impaired, requiring write-downs that would reduce our operating income.
- Our substantial indebtedness could adversely affect our ability to raise additional capital to fund our operations, limit our ability to react to changes in the economy or our industry and prevent us from meeting our obligations under our indebtedness.
- We may face losses if our actual experience differs significantly from our reserve assumptions.
- Our management has historically sought to grow through acquisitions, both in our current lines of business as well as in lines of business outside of our traditional areas of focus or geographic areas. This expansion of our business subjects us to associated risks, such as risks and uncertainties associated with new companies, the diversion of management’s attention and lack of experience in operating unrelated businesses, and may affect our credit and ability to repay our debt.
- We are a holding company and depend on distributions from our subsidiaries for cash.
The other 35 risks
- Our business could be interrupted or compromised if we experience difficulties arising from outsourcing relationships.
- If we are unable to attract and retain national marketing organizations and independent agents, sales of our products may be reduced.
- Failure of our enterprise-wide risk management processes could result in unexpected monetary losses, damage to our reputation, additional costs or impairment of our ability to conduct business effectively.
- If we experience changes in the rate or severity of title insurance claims, it may be necessary for us to record additional charges to our claim loss reserve. This may result in lower net earnings and the potential for earnings volatility.
- Changes in the Company’s dealings with large mortgage lenders, servicers or government-sponsored enterprises could adversely affect our title insurance and mortgage servicing subsidiaries.
- If the rating agencies downgrade our insurance companies, our results of operations and financial condition may suffer.
- If our claim loss prevention procedures fail, we could incur significant claim losses.
- Our use of independent agents for a significant amount of our title insurance policies could adversely impact the frequency and severity of title claims.
- Our valuation of investments and the determinations of the amounts of allowances and impairments taken on our investments may include methodologies, estimates and assumptions which are subject to differing interpretations and, if changed, could materially adversely affect our results of operations and financial condition.
- The F&G Distribution could adversely affect our results of operations or financial condition.
- Certain F&G directors may have actual or potential conflicts of interest because of their FNF equity ownership or their current or former FNF positions.
- Because we are dependent upon California and Texas for approximately 12.2% and 14.1% of our title insurance premiums, respectively, our Title segment may be adversely affected by regulatory conditions in California and/or Texas.
- Concentration in certain states for the distribution of our life insurance and annuity products in our F&G segment may subject us to losses attributable to economic downturns or catastrophes in those states.
- Our subsidiaries must comply with federal and state statutes and regulations. These statutes and regulations may increase our costs, impede our provision of certain products or services, or impose burdensome conditions on actions that we might seek to take to increase the revenues of those subsidiaries, resulting in decreased demand for the Company's products and services or otherwise adversely affecting the Company.
- State regulation of the rates we charge for title insurance could adversely affect our results of operations.
- Our F&G segment is highly regulated and subject to numerous legal restrictions and regulations.
- F&G's business is subject to government regulation in each of the jurisdictions in which we conduct business and regulators have broad administrative and discretionary authority over our business and business practices.
- F&G's business in the United States is regulated by the National Association of Insurance Commissioners (“NAIC”), which continues to consider reforms including relating to cybersecurity regulations, best interest standards, risk-based capital (“RBC”) and life insurance reserves.
- Current and emerging developments relating to market conduct standards for the financial industry emerging from the United States Department of Labor’s (“DOL”) implementation of the “fiduciary rule” may over time materially affect our business.
- Changes to regulations under ERISA could adversely affect the Company by increasing the Company’s regulatory and compliance burden.
- Our regulation in Bermuda and the Cayman Islands may limit or curtail our activities, and changes to existing regulations may affect our ability to continue to offer our existing products and services, or new products and services.
- The SECURE 2.0 Act of 2022 may impact our business and the markets in which we compete.
- Regulatory investigations of the insurance industry may lead to fines, settlements, new regulation or legal uncertainty, which could negatively affect our results of operations.
- Changing rules, public disclosure regulations and stakeholder expectations on environmental, social and corporate governance (“ESG”) related matters create a variety of risks for our business.
- We are subject to the credit risk of our counterparties, including companies with whom we have reinsurance agreements or we have purchased equity options.
- If financial institutions at which we hold escrow funds fail, it could have a material adverse impact on our company.
- Our business could be materially and adversely affected by the occurrence of a catastrophe, including natural disasters or those caused by humans.
- General Risk Factors
- Failure of our information security systems or unauthorized access to such systems could result in a loss or disclosure of confidential information, damage to our reputation, monetary losses, additional costs and impairment of our ability to conduct business effectively.
- The new and emerging types of Artificial Intelligence and their uses are very early stage in the industry and may be subject to many uncertain future developments and regulations.
- Damage to our reputation may adversely affect our revenues and profitability.
- Failure to respond to rapid changes in technology could adversely affect our results of operations or financial condition.
- We may not be able to protect our intellectual property and may be subject to infringement claims.
- We are the subject of various legal proceedings that could have a material adverse effect on our results of operations.
- We operate in a highly competitive industry, which could limit our ability to gain or maintain our position in the industry and could materially adversely affect our business, financial condition and results of operations.
- The loss of key personnel could negatively affect our financial results and impair our operating abilities.
Legal proceedings
For a description of our legal proceedings see discussion of Legal and Regulatory Contingencies in Note G Commitments and Contingencies to our Consolidated Financial Statements included in Item 8 of Part II of this Annual Report, which is incorporated by reference into this Item 3 of Part I.
The opening of Item 3, Legal Proceedings.16
Links
- Websitewww.fnf.com1
- WikipediaFidelity National Financial
- WikidataQ5446791
- SEC EDGARCIK 1331875
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
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- 7Wikimedia CommonsFidelity National Financial photo by Mathew105601, CC BY-SA 4.0
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- 21SEC EDGARWilliam P. Foley Ii., Chair
- 22SEC EDGARRaymond R. Quirk, Chair
- 23SEC EDGARBrent B. Bickett, President
- 24SEC EDGARRaymond R. Quirk, President
- 25SEC EDGARChristopher Abbinante, President
- 26SEC EDGARErika Meinhardt, President
- 27SEC EDGARRoger S. Jewkes, President
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- 35SEC EDGARBrent B. Bickett, Exec. VP
- 36SEC EDGARAlan L. Stinson, Executive Officer
- 37SEC EDGARBrent B. Bickett, Executive Officer
- 38
- 39SEC EDGARPeter T. Sadowski, Executive Officer
- 40SEC EDGARHalim Dhanidina, Board member
- 41SEC EDGARRaymond R. Quirk, Board member
- 42SEC EDGARSandra Douglass Morgan, Board member
- 43SEC EDGARHeather Hay Murren, Board member
- 44SEC EDGARJanet Kerr, Board member
- 45SEC EDGARJohn D. Rood, Board member
- 46SEC EDGARRichard N. Massey, Board member
- 47SEC EDGARPeter O. Shea Jr., Board member
- 48SEC EDGARPhilip G. Heasley, Board member
- 49SEC EDGARCary H. Thompson, Board member
- 50SEC EDGARDaniel D. Lane, Board member
- 51SEC EDGARJohn F. Farrell Jr., Board member
- 52SEC EDGARWilliam P. Foley Ii., Board member
- 53SEC EDGARCary H. Thompson, Board member
- 54SEC EDGARDaniel D. Lane, Board member
- 55SEC EDGARDavis Willie, Board member
- 56SEC EDGARFrank P. Willey, Board member
- 57SEC EDGARJohn F. Farrell Jr., Board member
- 58SEC EDGARRichard N. Massey, Board member
- 59SEC EDGARPeter T. Sadowski, General counsel
- 60SEC EDGARPeter T. Sadowski, General counsel
- 61SEC EDGARRegulation FD disclosure
- 62SEC EDGARResults of operations
- 63
- 64SEC EDGARExecutive or director change
- 65SEC EDGARResults of operations
- 66SEC EDGARResults of operations
- 67SEC EDGAROther events
- 68SEC EDGAROther events
- 69SEC EDGARResults of operations
- 70SEC EDGARResults of operations
- 71
- 72
- 73NasdaqNasdaq calendar
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