Fidelity National Financial vs Old Republic International
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KIRAβs take AI analyst
I put Fidelity National Financial and Old Republic International side by side, using each oneβs latest annual report. Here is what stands out:
- Fidelity National Financial is the larger business, with $14.4B of revenue in fiscal 2025 against $9.1B for Old Republic International, about 1.6 times as much.
- Old Republic International grew revenue faster (11.0%, against 5.6%).
- Investors pay more for each dollar of Fidelity National Financialβs earnings: a P/E of 13.9x against 8.4x for Old Republic International.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Fidelity National Financial
FNF
1/5
5-year growth
Old Republic International
ORI
4/5
Revenue growthNet marginReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | FNF FY25 | ORI FY25 |
|---|---|---|
| Size | ||
| Market cap | $10.7B | $9.5B |
| Revenue | $14.4B | $9.1B |
| Free cash flow | β | β |
| Net income | $602M | $935M |
| Growth | ||
| Revenue growth | 5.6% | 11.0% |
| 5-year growth | 6.0% | 5.0% |
| Share count change | β0.4% | β4.4% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 4.2% | 10.2% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 7.9% | 16.2% |
| Balance sheet | ||
| Net debt | β$156M | β |
| Net debt / EBITDA | β0.1x | β |
| Dividends and buybacks | $797M | $906M |
| Valuation & quality | ||
| P/E | 13.9x | 8.4x |
| 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.