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Sep 30, 2021

Fidelity National Financial Q3 2021 Earnings Report

Reported diluted EPS from continuing operations of $2.58 and adjusted diluted EPS from continuing operations of $2.12.

Key Takeaways

Fidelity National Financial reported a strong third quarter with revenue of $3.9 billion, a 31% increase compared to Q3 2020. Adjusted net earnings grew by 39% to $604 million. The company's Title segment delivered adjusted pre-tax earnings of $669 million, and F&G contributed 17% of FNF's consolidated results.

Total revenue increased by 31% to $3.9 billion compared to the third quarter of 2020.

Adjusted net earnings grew by 39% to $604 million compared to the third quarter of 2020.

Adjusted pre-tax title earnings reached $669 million with a margin of 21.7%.

F&G's total retail sales grew by 44% compared to the third quarter of 2020.

Total Revenue
$3.89B
Previous year: $2.98B
+30.8%
EPS
$2.12
Previous year: $1.48
+43.2%
Adjusted Pre-Tax Title Margin
21.7%
Previous year: 21.2%
+2.4%
Commercial Revenue
$366M
Previous year: $216M
+69.4%
Gross Profit
$3.39B
Previous year: $2.53B
+34.3%
Cash and Equivalents
$5.15B
Previous year: $2.87B
+79.3%
Total Assets
$58.5B
Previous year: $49.9B
+17.3%

Fidelity National Financial

Fidelity National Financial

Fidelity National Financial Revenue by Segment

Forward Guidance

FNF's capital allocation strategy remains a key focus, emphasizing returning capital to shareholders and strategic investments for profitable growth.

Positive Outlook

  • FNF is positioned for success through varying market cycles.
  • FNF's capital allocation strategy is focused on returning capital to shareholders.
  • FNF is making strategic investments in its businesses to drive profitable growth.
  • FNF recently announced a 10% increase in the quarterly dividend to $0.44 per share.
  • FNF completed its previously announced $500 million share repurchase plan.

Challenges Ahead

  • The ability of FNF to successfully integrate F&G's operations and employees.
  • Potential impact of the consummation of the F&G transaction on relationships, including with employees, suppliers, customers and competitors.
  • Changes in general economic, business, political and COVID-19 conditions, including changes in the financial markets.
  • Weakness or adverse changes in the level of real estate activity, which may be caused by, among other things, high or increasing interest rates, a limited supply of mortgage funding or a weak U. S. economy.
  • Significant competition that F&G and our operating subsidiaries face.

Revenue & Expenses

Visualization of income flow from segment revenue to net income