Fidelity National Financial, Inc. (FNF) Presents at KBW Title Insurance Day Transcript
Fidelity National Financial, Inc. ( FNF ) Stephens Annual Investment Conference 2025 November 18, 2025 9:00 AM EST Company Participants Mike Nolan - Chief Executive Officer Anthony Park - Executive VP & CFO Conference Call Participants Oscar Nieves Santana - Stephens Inc., Research Division Presentation Oscar Nieves Santana Stephens Inc., Research Division Good morning, everyone, and welcome to day one of the Stephens Investment Conference here in Nashville. I'm Oscar Nieves, a research analyst here at Stephens, where I cover real estate services, including the title insurance industry.
Fidelity National Financial reported strong Q3 results, beating earnings estimates and announcing a special stock distribution of F&G shares to investors. Title business performance improved with 13% revenue growth and strong margins, aided by rising refinancing and commercial activity as mortgage rates eased. FNF increased its dividend and maintains robust financial health, but buybacks are expected to remain modest amid a cautious outlook for mortgage rates.
| Insurance Industry | Financials Sector | Michael Joseph Nolan CEO | XDUS Exchange | US31620R3030 ISIN |
| US Country | 23,533 Employees | 17 Dec 2025 Last Dividend | 1 Dec 2022 Last Split | 14 Oct 2005 IPO Date |
Fidelity National Financial, Inc., is a comprehensive insurance products provider based in the United States. Since its incorporation in 2005, the company has grown to offer a wide array of services through its various operational segments, namely Title, F&G, and Corporate and Other. With a headquarters located in Jacksonville, Florida, Fidelity National Financial stands as a major player in the insurance and real estate sectors, rendering essential services aimed at facilitating ownership, protection, and financial transactions for individuals and businesses alike.
Title Insurance, Escrow, and Title-Related Services: This suite of services ensures the legality of real estate transactions, providing protection against potential title defects and offering escrow and settlement services to facilitate smooth property transfers. The segment covers a broad range of activities including trust services, trustee sales guarantees, recordings, and reconveyances. These services are fundamental in providing assurance and clarity in real estate transactions, safeguarding property rights.
Home Warranty Products: Fidelity National Financial extends home warranty plans to cover the repair or replacement of major home systems and appliances. This service provides homeowners with peace of mind, knowing that their property and its components are protected against breakdowns and unforeseen repair costs.
Technology and Transaction Services: Catering to the real estate and mortgage industries, the company offers innovative technology solutions and transaction services. This includes facilitating the production and management of mortgage loans, thus streamlining the intricate processes involved in property transactions and financing.
Annuity and Life Insurance Products: The company's F&G segment delivers financial security through various insurance products including deferred and immediate annuities, and indexed universal life insurance. These offerings are designed to meet diverse financial planning and security needs, ranging from retirement savings to lifetime income solutions and wealth transfer strategies.
Funding Agreements and Pension Risk Transfer (PRT) Solutions: Fidelity National Financial provides funding agreements and PRT solutions aimed at managing retirement risks and financial obligations. These solutions offer stability and predictability for institutional clients looking to secure pension liabilities and optimize their financial strategies.
Real Estate Brokerage Services: Expanding its role in the real estate market, the company also engages in real estate brokerage operations. This segment serves to connect buyers and sellers through a comprehensive network of real estate professionals, enhancing the company's service offerings within the property sector.