FNF
Fidelity National Financial, Inc.
Insurance - Specialty
Market Cap$13.53B
5Y Perf.+64.0%
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Stock Comparison
FNF vs STC vs FAF vs ITIC vs MTG
Revenue, margins, valuation, and 5-year total return — side by side.
STC
Stewart Information Services Corporation
Insurance - Property & Casualty
Market Cap$2.13B
5Y Perf.+126.5%
FAF
First American Financial Corporation
Insurance - Specialty
Market Cap$7.14B
5Y Perf.+38.2%
ITIC
Investors Title Company
Insurance - Specialty
Market Cap$456M
5Y Perf.+91.5%
MTG
MGIC Investment Corporation
Insurance - Specialty
Market Cap$5.62B
5Y Perf.+223.8%
FNF vs STC vs FAF vs ITIC vs MTG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FNF | STC | FAF | ITIC | MTG |
|---|---|---|---|---|---|
| Industry | Insurance - Specialty | Insurance - Property & Casualty | Insurance - Specialty | Insurance - Specialty | Insurance - Specialty |
| Market Cap | $13.53B | $2.13B | $7.14B | $456M | $5.62B |
| Revenue (TTM) | $14.26B | $2.92B | $6.01B | $273M | $1.20B |
| Net Income (TTM) | $602M | $116M | $673M | $35M | $718M |
| Gross Margin | 65.1% | 87.7% | 74.3% | 90.0% | 93.6% |
| Operating Margin | 9.8% | 5.7% | 14.8% | 16.3% | 75.4% |
| Forward P/E | 8.7x | 11.5x | 10.9x | 39.7x | 8.6x |
| Total Debt | $4.77B | $891M | $1.91B | $8M | $646M |
| Cash & Equiv. | $2.38B | $322M | $1.39B | $21M | $376M |
FNF vs STC vs FAF vs ITIC vs MTG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FNF
STC
FAF
ITIC
MTG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Fidelity National F… (FNF) | 100 | 164.0 | +64.0% |
| Stewart Information… (STC) | 100 | 226.5 | +126.5% |
| First American Fina… (FAF) | 100 | 138.2 | +38.2% |
| Investors Title Com… (ITIC) | 100 | 191.5 | +91.5% |
| MGIC Investment Cor… (MTG) | 100 | 323.8 | +223.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FNF vs STC vs FAF vs ITIC vs MTG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MTG leads in 4 of 7 categories (5-stock set), making it the strongest pick for valuation and capital efficiency and profitability and margin quality. First American Financial Corporation is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. ITIC also leads in specific categories worth noting. 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 income & stability.
- Dividend streak 10 yrs, beta 0.58, yield 4.0%
Best for: income & stability
STC
Stewart Information Services Corporation
The Insurance Play
Among these 5 stocks, STC doesn't own a clear edge in any measured category.
Best for: financial services exposure
FAF
First American Financial Corporation
The Insurance Pick
FAF is the #2 pick in this set and the best alternative if growth exposure is your priority.
- Rev growth 21.6%, EPS growth 376.2%, 3Y rev CAGR -0.7%
- 21.6% revenue growth vs MTG's 0.5%
- +17.8% vs FNF's -18.7%
Best for: growth exposure
ITIC
Investors Title Company
The Insurance Pick
ITIC ranks third and is worth considering specifically for sleep-well-at-night and defensive.
- Lower volatility, beta 0.77, Low D/E 3.0%, current ratio 2.93x
- Beta 0.77, yield 4.4%, current ratio 2.93x
- 4.4% yield, vs FAF's 3.1%
Best for: sleep-well-at-night and defensive
MTG
MGIC Investment Corporation
The Insurance Pick
MTG carries the broadest edge in this set and is the clearest fit for long-term compounding.
- 333.0% 10Y total return vs ITIC's 257.8%
- Lower P/E (8.6x vs 39.7x)
- Combined ratio 0.2 vs STC's 0.9 (lower = better underwriting)
- Beta 0.43 vs STC's 0.78, lower leverage
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | FAF | 21.6% revenue growth vs MTG's 0.5% |
| Value | MTG | Lower P/E (8.6x vs 39.7x) |
| Quality / Margins | MTG | Combined ratio 0.2 vs STC's 0.9 (lower = better underwriting) |
| Stability / Safety | MTG | Beta 0.43 vs STC's 0.78, lower leverage |
| Dividends | ITIC | 4.4% yield, vs FAF's 3.1% |
| Momentum (1Y) | FAF | +17.8% vs FNF's -18.7% |
| Efficiency (ROA) | MTG | 11.0% ROA vs FNF's 0.6%, ROIC 12.7% vs 10.1% |
FNF vs STC vs FAF vs ITIC vs MTG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
FY 2025
FY 2025
Segment breakdown not available.
FNF vs STC vs FAF vs ITIC vs MTG — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMTGLAGGINGFAF
Who Leads Where
MTG leads in 3 of 6 categories
ITIC leads 1 • FNF leads 0 • STC leads 0 • FAF leads 0 • 2 tied
Explore the data ↓FAFFirst American Financ…
0leads
STCStewart Information S…
0leads
FNFFidelity National Fin…
0leads
ITICInvestors Title Compa…
1leads
MTGMGIC Investment Corpo…
3leads
6 Total Categories
CATEGORYLEADERvs ITICvs FNFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
MTG4/6
Valuation MetricsMultiples, price ratios, and targets
MTG4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ITIC5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MTG4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
MTG 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 — 52.3x ITIC's $273M. MTG is the more profitable business, keeping 59.6% of every revenue dollar as net income compared to STC's 4.0%. On growth, STC holds the edge at +18.7% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | FNFFidelity National… | STCStewart Informati… | FAFFirst American Fi… | ITICInvestors Title C… | MTGMGIC Investment C… |
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $14.3B | $2.9B | $6.0B | $273M | $1.2B |
| EBITDAEarnings before interest/tax | $2.2B | $227M | $1.1B | $49M | $913M |
| Net IncomeAfter-tax profit | $602M | $116M | $673M | $35M | $718M |
| Free Cash FlowCash after capex | $6.0B | $132M | $824M | $25M | $705M |
| Gross MarginGross profit ÷ Revenue | +65.1% | +87.7% | +74.3% | +90.0% | +93.6% |
| Operating MarginEBIT ÷ Revenue | +9.8% | +5.7% | +14.8% | +16.3% | +75.4% |
| Net MarginNet income ÷ Revenue | +4.2% | +4.0% | +11.2% | +12.9% | +59.6% |
| FCF MarginFCF ÷ Revenue | +42.4% | +4.5% | +13.7% | +9.3% | +58.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | +15.2% | +18.7% | -90.9% | -1.6% | -3.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -126.1% | +56.3% | +70.4% | -10.2% | +1.3% |
MTG leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
MTG leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 8.5x trailing earnings, MTG trades at a 63% valuation discount to FNF's 22.7x P/E. On an enterprise value basis, MTG's 6.3x EV/EBITDA is more attractive than STC's 11.9x.
| Metric | FNFFidelity National… | STCStewart Informati… | FAFFirst American Fi… | ITICInvestors Title C… | MTGMGIC Investment C… |
|---|---|---|---|---|---|
| Market CapShares × price | $13.5B | $2.1B | $7.1B | $456M | $5.6B |
| Enterprise ValueMkt cap + debt − cash | $15.9B | $2.7B | $7.7B | $443M | $5.9B |
| Trailing P/EPrice ÷ TTM EPS | 22.75x | 17.28x | 11.63x | 13.00x | 8.46x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.69x | 11.50x | 10.87x | 39.69x | 8.64x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — | 0.43x |
| EV / EBITDAEnterprise value multiple | 7.00x | 11.91x | 7.34x | 9.05x | 6.30x |
| Price / SalesMarket cap ÷ Revenue | 0.93x | 0.73x | 0.96x | 1.67x | 4.63x |
| Price / BookPrice ÷ Book value/share | 1.52x | 1.23x | 1.32x | 1.71x | 1.17x |
| Price / FCFMarket cap ÷ FCF | 2.12x | 16.10x | 9.36x | 17.96x | 6.60x |
MTG leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
ITIC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
MTG delivers a 14.0% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $7 for FNF. ITIC carries lower financial leverage with a 0.03x debt-to-equity ratio, signaling a more conservative balance sheet compared to STC's 0.54x. On the Piotroski fundamental quality scale (0–9), FAF scores 8/9 vs STC's 4/9, reflecting strong financial health.
| Metric | FNFFidelity National… | STCStewart Informati… | FAFFirst American Fi… | ITICInvestors Title C… | MTGMGIC Investment C… |
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +6.7% | +7.7% | +12.5% | +13.2% | +14.0% |
| ROA (TTM)Return on assets | +0.6% | +4.0% | +4.0% | +10.0% | +11.0% |
| ROICReturn on invested capital | +10.1% | +6.2% | +10.7% | +13.7% | +12.7% |
| ROCEReturn on capital employed | +1.8% | +5.5% | +5.3% | +15.0% | +14.1% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 4 | 8 | 5 | 5 |
| Debt / EquityFinancial leverage | 0.53x | 0.54x | 0.35x | 0.03x | 0.13x |
| Net DebtTotal debt minus cash | $2.4B | $569M | $519M | -$13M | $271M |
| Cash & Equiv.Liquid assets | $2.4B | $322M | $1.4B | $21M | $376M |
| Total DebtShort + long-term debt | $4.8B | $891M | $1.9B | $8M | $646M |
| Interest CoverageEBIT ÷ Interest expense | 6.77x | 8.82x | 6.45x | — | 27.10x |
ITIC leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MTG leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MTG five years ago would be worth $20,097 today (with dividends reinvested), compared to $12,070 for FAF. Over the past 12 months, FAF leads with a +17.8% total return vs FNF's -18.7%. The 3-year compound annual growth rate (CAGR) favors MTG at 24.2% vs FAF's 9.3% — a key indicator of consistent wealth creation.
| Metric | FNFFidelity National… | STCStewart Informati… | FAFFirst American Fi… | ITICInvestors Title C… | MTGMGIC Investment C… |
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | -6.4% | +0.5% | +15.1% | -1.9% | -7.8% |
| 1-Year ReturnPast 12 months | -18.7% | +11.5% | +17.8% | +5.5% | +4.2% |
| 3-Year ReturnCumulative with dividends | +63.6% | +79.3% | +30.7% | +90.4% | +91.5% |
| 5-Year ReturnCumulative with dividends | +33.8% | +28.1% | +20.7% | +58.7% | +101.0% |
| 10-Year ReturnCumulative with dividends | +170.1% | +133.4% | +138.4% | +257.8% | +333.0% |
| CAGR (3Y)Annualised 3-year return | +17.8% | +21.5% | +9.3% | +23.9% | +24.2% |
MTG leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — FAF and MTG each lead in 1 of 2 comparable metrics.
Risk & Volatility
MTG is the less volatile stock with a 0.43 beta — it tends to amplify market swings less than STC's 0.78 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FAF currently trades 97.6% 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… | STCStewart Informati… | FAFFirst American Fi… | ITICInvestors Title C… | MTGMGIC Investment C… |
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.58x | 0.78x | 0.59x | 0.77x | 0.43x |
| 52-Week HighHighest price in past year | $64.98 | $78.61 | $71.47 | $288.98 | $29.97 |
| 52-Week LowLowest price in past year | $42.78 | $56.39 | $53.09 | $190.20 | $24.78 |
| % of 52W HighCurrent price vs 52-week peak | +77.4% | +88.8% | +97.6% | +83.6% | +88.7% |
| RSI (14)Momentum oscillator 0–100 | 58.5 | 57.6 | 62.4 | 50.7 | 40.4 |
| Avg Volume (50D)Average daily shares traded | 1.9M | 204K | 945K | 18K | 1.9M |
Evenly matched — FAF and MTG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — STC and FAF and ITIC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: FNF as "Buy", STC as "Buy", FAF as "Buy", MTG as "Buy". Consensus price targets imply 33.3% upside for FNF (target: $67) vs 12.9% for MTG (target: $30). For income investors, ITIC offers the higher dividend yield at 4.36% vs MTG's 2.21%.
| Metric | FNFFidelity National… | STCStewart Informati… | FAFFirst American Fi… | ITICInvestors Title C… | MTGMGIC Investment C… |
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Buy | — | Buy |
| Price TargetConsensus 12-month target | $67.00 | $80.50 | $83.00 | — | $30.00 |
| # AnalystsCovering analysts | 17 | 8 | 15 | — | 22 |
| Dividend YieldAnnual dividend ÷ price | +4.0% | +2.9% | +3.1% | +4.4% | +2.2% |
| Dividend StreakConsecutive years of raises | 10 | 15 | 15 | 0 | 7 |
| Dividend / ShareAnnual DPS | $2.01 | $2.01 | $2.15 | $10.52 | $0.59 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.1% | +0.2% | +1.7% | 0.0% | +14.0% |
Evenly matched — STC and FAF and ITIC each lead in 1 of 2 comparable metrics.
Key Takeaway
MTG leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). ITIC leads in 1 (Profitability & Efficiency). 2 tied.
Best OverallMGIC Investment Corporation (MTG)Leads 3 of 6 categories
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FNF vs STC vs FAF vs ITIC vs MTG: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is FNF or STC or FAF or ITIC or MTG a better buy right now?
For growth investors, First American Financial Corporation (FAF) is the stronger pick with 21.
6% revenue growth year-over-year, versus 0. 5% for MGIC Investment Corporation (MTG). MGIC Investment Corporation (MTG) offers the better valuation at 8. 5x trailing P/E (8. 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 STC or FAF or ITIC or MTG?
On trailing P/E, MGIC Investment Corporation (MTG) is the cheapest at 8.
5x versus Fidelity National Financial, Inc. at 22. 7x. On forward P/E, MGIC Investment Corporation is actually cheaper at 8. 6x.
03Which is the better long-term investment — FNF or STC or FAF or ITIC or MTG?
Over the past 5 years, MGIC Investment Corporation (MTG) delivered a total return of +101.
0%, compared to +20. 7% for First American Financial Corporation (FAF). Over 10 years, the gap is even starker: MTG returned +333. 0% versus STC's +133. 4%. 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 STC or FAF or ITIC or MTG?
By beta (market sensitivity over 5 years), MGIC Investment Corporation (MTG) is the lower-risk stock at 0.
43β versus Stewart Information Services Corporation's 0. 78β — meaning STC is approximately 84% more volatile than MTG relative to the S&P 500. On balance sheet safety, Investors Title Company (ITIC) carries a lower debt/equity ratio of 3% versus 54% for Stewart Information Services Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — FNF or STC or FAF or ITIC or MTG?
By revenue growth (latest reported year), First American Financial Corporation (FAF) is pulling ahead at 21.
6% versus 0. 5% for MGIC Investment Corporation (MTG). On earnings-per-share growth, the picture is similar: First American Financial Corporation grew EPS 376. 2% 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 STC or FAF or ITIC or MTG?
MGIC Investment Corporation (MTG) is the more profitable company, earning 60.
8% net margin versus 4. 0% for Stewart Information Services Corporation — meaning it keeps 60. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MTG leads at 76. 5% versus 5. 7% for STC. At the gross margin level — before operating expenses — ITIC leads at 98. 3%, 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 STC or FAF or ITIC or MTG more undervalued right now?
On forward earnings alone, MGIC Investment Corporation (MTG) trades at 8.
6x forward P/E versus 39. 7x for Investors Title Company — 31. 0x 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 STC or FAF or ITIC or MTG?
All stocks in this comparison pay dividends.
Investors Title Company (ITIC) offers the highest yield at 4. 4%, versus 2. 2% for MGIC Investment Corporation (MTG).
09Is FNF or STC or FAF or ITIC or MTG better for a retirement portfolio?
For long-horizon retirement investors, MGIC Investment Corporation (MTG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
43), 2. 2% yield, +333. 0% 10Y return). Both have compounded well over 10 years (MTG: +333. 0%, STC: +133. 4%), 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 STC and FAF and ITIC and MTG?
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; FAF is a small-cap high-growth stock; ITIC is a small-cap deep-value stock; MTG 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% · STC: 18.7%)Net Margin>
%
(FNF: 4.2% · STC: 4.0%)P/E Ratio<
x
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