FNF
Fidelity National Financial, Inc.
Insurance - Specialty
Market Cap$13.53B
5Y Perf.+64.0%
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Stock Comparison
FNF vs RDN
Revenue, margins, valuation, and 5-year total return — side by side.
RDN
Radian Group Inc.
Insurance - Specialty
Market Cap$5.13B
5Y Perf.+136.9%
FNF vs RDN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FNF | RDN |
|---|---|---|
| Industry | Insurance - Specialty | Insurance - Specialty |
| Market Cap | $13.53B | $5.13B |
| Revenue (TTM) | $14.26B | $1.25B |
| Net Income (TTM) | $602M | $583M |
| Gross Margin | 65.1% | 92.3% |
| Operating Margin | 9.8% | 61.2% |
| Forward P/E | 8.7x | 7.6x |
| Total Debt | $4.77B | $1.13B |
| Cash & Equiv. | $2.38B | $25M |
FNF vs RDN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FNF
RDN
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Fidelity National F… (FNF) | 100 | 164.0 | +64.0% |
| Radian Group Inc. (RDN) | 100 | 236.9 | +136.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FNF vs RDN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RDN leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Fidelity National Financial, Inc. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
FNF
Fidelity National Financial, Inc.
The Insurance Pick
FNF is the clearest fit if your priority is growth exposure.
- Rev growth 8.6%, EPS growth -52.5%, 3Y rev CAGR 8.2%
- 8.6% revenue growth vs RDN's -3.4%
- 4.0% yield, 10-year raise streak, vs RDN's 2.8%
Best for: growth exposure
RDN
Radian Group Inc.
The Insurance Pick
RDN carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 11 yrs, beta 0.37, yield 2.8%
- 250.2% 10Y total return vs FNF's 170.1%
- Lower volatility, beta 0.37, Low D/E 23.7%, current ratio 4.28x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | FNF | 8.6% revenue growth vs RDN's -3.4% |
| Value | RDN | Lower P/E (7.6x vs 8.7x) |
| Quality / Margins | RDN | Combined ratio 0.4 vs FNF's 0.9 (lower = better underwriting) |
| Stability / Safety | RDN | Beta 0.37 vs FNF's 0.58, lower leverage |
| Dividends | FNF | 4.0% yield, 10-year raise streak, vs RDN's 2.8% |
| Momentum (1Y) | RDN | +14.3% vs FNF's -18.7% |
| Efficiency (ROA) | RDN | 6.7% ROA vs FNF's 0.6%, ROIC 8.9% vs 10.1% |
FNF vs RDN — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
FNF vs RDN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRDNLAGGINGFNF
FNFFidelity National Fin…
0leads
RDNRadian Group Inc.
4leads
6 Total Categories
CATEGORYLEADERvs FNFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RDN4/6
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RDN7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
RDN4/6
Risk & VolatilityBeta, volatility, and downside exposure
RDN2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
RDN leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
FNF is the larger business by revenue, generating $14.3B annually — 11.4x RDN's $1.2B. RDN is the more profitable business, keeping 46.7% of every revenue dollar as net income compared to FNF's 4.2%. On growth, FNF holds the edge at +15.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | FNFFidelity National… | RDNRadian Group Inc. |
|---|---|---|
| RevenueTrailing 12 months | $14.3B | $1.2B |
| EBITDAEarnings before interest/tax | $2.2B | $807M |
| Net IncomeAfter-tax profit | $602M | $583M |
| Free Cash FlowCash after capex | $6.0B | $116M |
| Gross MarginGross profit ÷ Revenue | +65.1% | +92.3% |
| Operating MarginEBIT ÷ Revenue | +9.8% | +61.2% |
| Net MarginNet income ÷ Revenue | +4.2% | +46.7% |
| FCF MarginFCF ÷ Revenue | +42.4% | +9.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +15.2% | -5.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -126.1% | +17.3% |
RDN leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
Evenly matched — FNF and RDN each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 9.1x trailing earnings, RDN trades at a 60% valuation discount to FNF's 22.7x P/E. On an enterprise value basis, FNF's 7.0x EV/EBITDA is more attractive than RDN's 7.7x.
| Metric | FNFFidelity National… | RDNRadian Group Inc. |
|---|---|---|
| Market CapShares × price | $13.5B | $5.1B |
| Enterprise ValueMkt cap + debt − cash | $15.9B | $6.2B |
| Trailing P/EPrice ÷ TTM EPS | 22.75x | 9.09x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.69x | 7.63x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.58x |
| EV / EBITDAEnterprise value multiple | 7.00x | 7.73x |
| Price / SalesMarket cap ÷ Revenue | 0.93x | 4.11x |
| Price / BookPrice ÷ Book value/share | 1.52x | 1.09x |
| Price / FCFMarket cap ÷ FCF | 2.12x | 15.23x |
Evenly matched — FNF and RDN each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
RDN leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
RDN delivers a 12.6% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $7 for FNF. RDN carries lower financial leverage with a 0.24x debt-to-equity ratio, signaling a more conservative balance sheet compared to FNF's 0.53x. On the Piotroski fundamental quality scale (0–9), FNF scores 7/9 vs RDN's 5/9, reflecting strong financial health.
| Metric | FNFFidelity National… | RDNRadian Group Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +6.7% | +12.6% |
| ROA (TTM)Return on assets | +0.6% | +6.7% |
| ROICReturn on invested capital | +10.1% | +8.9% |
| ROCEReturn on capital employed | +1.8% | +10.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 0.53x | 0.24x |
| Net DebtTotal debt minus cash | $2.4B | $1.1B |
| Cash & Equiv.Liquid assets | $2.4B | $25M |
| Total DebtShort + long-term debt | $4.8B | $1.1B |
| Interest CoverageEBIT ÷ Interest expense | 6.77x | 12.64x |
RDN leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
RDN leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RDN five years ago would be worth $17,795 today (with dividends reinvested), compared to $13,382 for FNF. Over the past 12 months, RDN leads with a +14.3% total return vs FNF's -18.7%. The 3-year compound annual growth rate (CAGR) favors FNF at 17.8% vs RDN's 17.7% — a key indicator of consistent wealth creation.
| Metric | FNFFidelity National… | RDNRadian Group Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -6.4% | +5.4% |
| 1-Year ReturnPast 12 months | -18.7% | +14.3% |
| 3-Year ReturnCumulative with dividends | +63.6% | +63.2% |
| 5-Year ReturnCumulative with dividends | +33.8% | +77.9% |
| 10-Year ReturnCumulative with dividends | +170.1% | +250.2% |
| CAGR (3Y)Annualised 3-year return | +17.8% | +17.7% |
RDN leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
RDN leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RDN is the less volatile stock with a 0.37 beta — it tends to amplify market swings less than FNF's 0.58 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. RDN currently trades 96.9% from its 52-week high vs FNF's 77.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FNFFidelity National… | RDNRadian Group Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.58x | 0.37x |
| 52-Week HighHighest price in past year | $64.98 | $38.84 |
| 52-Week LowLowest price in past year | $42.78 | $31.50 |
| % of 52W HighCurrent price vs 52-week peak | +77.4% | +96.9% |
| RSI (14)Momentum oscillator 0–100 | 58.5 | 57.0 |
| Avg Volume (50D)Average daily shares traded | 1.9M | 1.2M |
RDN leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — FNF and RDN each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates FNF as "Buy" and RDN as "Buy". Consensus price targets imply 33.3% upside for FNF (target: $67) vs 6.3% for RDN (target: $40). For income investors, FNF offers the higher dividend yield at 3.99% vs RDN's 2.80%.
| Metric | FNFFidelity National… | RDNRadian Group Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $67.00 | $40.00 |
| # AnalystsCovering analysts | 17 | 22 |
| Dividend YieldAnnual dividend ÷ price | +4.0% | +2.8% |
| Dividend StreakConsecutive years of raises | 10 | 11 |
| Dividend / ShareAnnual DPS | $2.01 | $1.06 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.1% | +8.4% |
Evenly matched — FNF and RDN each lead in 1 of 2 comparable metrics.
Key Takeaway
RDN leads in 4 of 6 categories — strongest in Income & Cash Flow and Profitability & Efficiency. 2 categories are tied.
Best OverallRadian Group Inc. (RDN)Leads 4 of 6 categories
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FNF vs RDN: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FNF or RDN a better buy right now?
For growth investors, Fidelity National Financial, Inc.
(FNF) is the stronger pick with 8. 6% revenue growth year-over-year, versus -3. 4% for Radian Group Inc. (RDN). Radian Group Inc. (RDN) offers the better valuation at 9. 1x trailing P/E (7. 6x 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.
02Which has the better valuation — FNF or RDN?
On trailing P/E, Radian Group Inc.
(RDN) is the cheapest at 9. 1x versus Fidelity National Financial, Inc. at 22. 7x. On forward P/E, Radian Group Inc. is actually cheaper at 7. 6x.
03Which is the better long-term investment — FNF or RDN?
Over the past 5 years, Radian Group Inc.
(RDN) delivered a total return of +77. 9%, compared to +33. 8% for Fidelity National Financial, Inc. (FNF). Over 10 years, the gap is even starker: RDN returned +250. 2% versus FNF's +170. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FNF or RDN?
By beta (market sensitivity over 5 years), Radian Group Inc.
(RDN) is the lower-risk stock at 0. 37β versus Fidelity National Financial, Inc. 's 0. 58β — meaning FNF is approximately 54% more volatile than RDN relative to the S&P 500. On balance sheet safety, Radian Group Inc. (RDN) carries a lower debt/equity ratio of 24% versus 53% for Fidelity National Financial, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — FNF or RDN?
By revenue growth (latest reported year), Fidelity National Financial, Inc.
(FNF) is pulling ahead at 8. 6% versus -3. 4% for Radian Group Inc. (RDN). On earnings-per-share growth, the picture is similar: Radian Group Inc. grew EPS 5. 6% 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.
06Which has better profit margins — FNF or RDN?
Radian Group Inc.
(RDN) is the more profitable company, earning 46. 7% net margin versus 4. 2% for Fidelity National Financial, Inc. — meaning it keeps 46. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RDN leads at 61. 2% versus 9. 9% for FNF. 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.
07Is FNF or RDN more undervalued right now?
On forward earnings alone, Radian Group Inc.
(RDN) trades at 7. 6x forward P/E versus 8. 7x for Fidelity National Financial, Inc. — 1. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FNF: 33. 3% to $67. 00.
08Which pays a better dividend — FNF or RDN?
All stocks in this comparison pay dividends.
Fidelity National Financial, Inc. (FNF) offers the highest yield at 4. 0%, versus 2. 8% for Radian Group Inc. (RDN).
09Is FNF or RDN better for a retirement portfolio?
For long-horizon retirement investors, Radian Group Inc.
(RDN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 37), 2. 8% yield, +250. 2% 10Y return). Both have compounded well over 10 years (RDN: +250. 2%, FNF: +170. 1%), 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.
10What are the main differences between FNF and RDN?
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; RDN is a small-cap deep-value 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.
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Revenue Growth>
%
(FNF: 15.2% · RDN: -5.0%)Net Margin>
%
(FNF: 4.2% · RDN: 46.7%)P/E Ratio<
x
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