Profitability
Weight: 25%
A+
100
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 9.4%
- Loss Ratio Trend -26.82 pp/yr
FNF
Fidelity National Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A-
82
- 5yr Avg ROE 16.6%
- 5yr Share-Count CAGR -1.0%
Growth Quality
Weight: 10%
B+
79
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Revenue CAGR (fallback) 6.3%
- Loss Ratio Trend (growth quality check) -26.82 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
F
12
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Loss Ratio Stability (σ) 0.73
Balance Sheet
Weight: 25%
B
73
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.38x
- Interest Coverage (EBIT/Int) 6.92x
Stability
Weight: 10%
C-
50
- EPS Volatility (σ/μ) 0.59
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 3 added; 1 full exit.
- Holders
- 3
- Avg Δ position
- +241.5%
- New buys
- 0
- Full exits
- 1