Fidelity National Financial vs Hartford
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KIRAβs take AI analyst
I put Fidelity National Financial and Hartford side by side, using each oneβs latest annual report. Here is what stands out:
- Hartford is the larger business, with $28.4B of revenue in fiscal 2025 against $14.4B for Fidelity National Financial, about 2.0 times as much.
- Hartford grew revenue faster (6.9%, against 5.6%).
- Investors pay more for each dollar of Fidelity National Financialβs earnings: a P/E of 13.9x against 8.8x for Hartford.
Who comes out ahead
Of the 6 measures where higher (or lower) is clearly better, how many each company leads.
Fidelity National Financial
FNF
1/6
Net debt / EBITDA
Hartford
HIG
5/6
Revenue growth5-year growthNet marginReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | FNF FY25 | HIG FY25 |
|---|---|---|
| Size | ||
| Market cap | $10.7B | $37.6B |
| Revenue | $14.4B | $28.4B |
| Free cash flow | β | $5.8B |
| Net income | $602M | $3.8B |
| Growth | ||
| Revenue growth | 5.6% | 6.9% |
| 5-year growth | 6.0% | 6.7% |
| Share count change | β0.4% | β4.1% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 4.2% | 13.5% |
| FCF margin | β | 20.3% |
| Return on capital | β | 22.6% |
| Return on equity | 7.9% | 21.7% |
| Balance sheet | ||
| Net debt | β$156M | β$159M |
| Net debt / EBITDA | β0.1x | β0.0x |
| Dividends and buybacks | $797M | $2.2B |
| Valuation & quality | ||
| P/E | 13.9x | 8.8x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.