FNF vs STC

For growth investors, Stewart Information Services Corporation (STC) is the stronger pick with 17.

3% revenue growth year-over-year, versus 8. 6% for Fidelity National Financial, Inc. (FNF). Stewart Information Services Corporation (STC) offers the better valuation at 17. 1x trailing P/E (11. 4x forward), making it the more compelling value choice. Analysts rate Fidelity National Financial, Inc. (FNF) a "Buy" — based on 17 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Stewart Information Services Corporation (STC) is the cheapest at 17.

1x versus Fidelity National Financial, Inc. at 23. 2x. On forward P/E, Fidelity National Financial, Inc. is actually cheaper at 8. 9x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Fidelity National Financial, Inc.

(FNF) delivered a total return of +36. 0%, compared to +29. 4% for Stewart Information Services Corporation (STC). Over 10 years, the gap is even starker: FNF returned +181. 4% versus STC's +133. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Fidelity National Financial, Inc.

(FNF) is the lower-risk stock at 0. 58β versus Stewart Information Services Corporation's 0. 78β — meaning STC is approximately 36% more volatile than FNF relative to the S&P 500. On balance sheet safety, Fidelity National Financial, Inc. (FNF) carries a lower debt/equity ratio of 53% versus 54% for Stewart Information Services Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Stewart Information Services Corporation (STC) is pulling ahead at 17.

3% versus 8. 6% for Fidelity National Financial, Inc. (FNF). On earnings-per-share growth, the picture is similar: Stewart Information Services Corporation grew EPS 54. 8% year-over-year, compared to -52. 5% for Fidelity National Financial, Inc.. Over a 3-year CAGR, FNF leads at 8. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Fidelity National Financial, Inc.

(FNF) is the more profitable company, earning 4. 2% net margin versus 4. 0% for Stewart Information Services Corporation — meaning it keeps 4. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FNF leads at 9. 9% versus 5. 7% for STC. At the gross margin level — before operating expenses — FNF leads at 98. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Fidelity National Financial, Inc.

(FNF) trades at 8. 9x forward P/E versus 11. 4x for Stewart Information Services Corporation — 2. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FNF: 30. 7% to $67. 00.

All stocks in this comparison pay dividends.

Fidelity National Financial, Inc. (FNF) offers the highest yield at 3. 9%, versus 2. 9% for Stewart Information Services Corporation (STC).

For long-horizon retirement investors, Fidelity National Financial, Inc.

(FNF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 58), 3. 9% yield, +181. 4% 10Y return). Both have compounded well over 10 years (FNF: +181. 4%, STC: +133. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: FNF is a mid-cap income-oriented stock; STC is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.