{
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  "organisationId": "O-29c7eea79cb54fa28866acac56cbe608",
  "slug": "fidelity-national-financial-inc",
  "name": "Fidelity National Financial, Inc.",
  "updatedAt": "2026-03-18T15:18:35.332352Z",
  "sections": [
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      "type": "OVERVIEW",
      "text": "Fidelity National Financial, Inc. is an insurance and financial services company that is one of the largest title insurance companies in the United States. Its core businesses are title insurance, escrow and other title-related services for real estate transactions, transaction services for the real estate and mortgage industries, and annuities and life insurance through its majority-owned F&G business.[P-67838cdf5ddd4e68860749eaeee53aa1][P-ffaeee73a778419698bfc92796717425] The company’s main operating segments are Title and F&G: the Title segment includes title insurance underwriters and related services such as trust activities, trustee sales guarantees, home warranty products, and mortgage-loan transaction services, while F&G offers products including deferred annuities, immediate annuities, indexed universal life insurance, funding agreements, and pension risk transfer solutions.[P-114f4061a34441809c081e5be26d46bf][P-1216755e98a744bfbf57a9fcff5bf090]\n\nFNF emphasizes superior customer service and improving the customer experience as a core management objective.[P-f9c385ae3a72423b8b664b870fc7bf72] The company’s footprint is primarily domestic, with substantially all revenue generated in the United States, though it operates from more than 1,300 locations across the United States and Canada.[P-1850e8244cac4ba8a5d29d1e50231aee][P-198fcaecedcd4ba5a00dc27ae7ca8e2d] As of December 27, 2024, it employed 23,533 full-time equivalent employees, and it reported total revenue of $13.681 billion for 2024.\n\n[P-de80cc2ebe404497ab4230599aeb99ac][P-662af07e7f9846a5b349d3cce8dd7103]",
      "updatedAt": "2026-03-18T15:18:35.332352Z"
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      "type": "PRODUCTS",
      "text": "Fidelity National Financial’s product set is centered on title and mortgage-related services and annuity and life products. In its Title operations, the company offers title insurance, escrow, and other title-related services through Fidelity National Title Insurance Company, Chicago Title Insurance Company, Commonwealth Land Title Insurance Company, Alamo Title Insurance, and National Title Insurance of New York Inc. [P-c4dfc76c419542f9bbbb6e768a3a2742] The title workflow described by the company includes a preliminary report, closing by an escrow agent after identified issues are satisfied, and issuance of the title insurance policy once the transaction closes and funds are released. [P-9cea91df9eca41f1983abe4cc32d7f39][P-60d1ee464717453cabf68865ea2b6f07][P-61ce055fd66e47b4ad6b5cf3458dd49e] Related service offerings include trust activities, trustee sales guarantees, recordings and reconveyances, loan sub-servicing, valuations, default services, and home warranty products. [P-c4dfc76c419542f9bbbb6e768a3a2742][P-114f4061a34441809c081e5be26d46bf][P-30205e12d7b04cd7b8e40dec5d00cefc] Its home warranty business covers major home appliances, with substantially all contracts running for one year. [P-d749f7bf1e9440a98453c65993847803] In 2024, title insurance premiums were split 42.7% direct and 57.3% agency. [P-20f2cd7fd59d48bfa49072e426a4078f][T-f4469bec7c4649409974155a4285d3a4]\n\nThrough ServiceLink, FNF also provides mortgage transaction services, including title-related services and facilitation of mortgage-loan production and management. [P-c4dfc76c419542f9bbbb6e768a3a2742] ServiceLink’s non-premium revenues primarily come from real estate appraisal services and foreclosure processing and facilitation services. [P-38d5e6baf70f4d19830712b5f8eb99f2] Separately, its real estate technology offering consists mainly of month-to-month software subscriptions sold to real estate professionals. [P-f591c4a8517a4a9fbbe10c815b44bfb1] The company says it is deploying new information systems across its direct and agency title operations to improve the ordering and delivery of title and escrow services and to expand data collection and reporting capabilities. [P-b03d08a9f6054217934b9e05c287e813][P-e25bd10c7edd477fbc6d805bd3ae210c]\n\nThrough F&G, FNF markets fixed indexed annuities, registered index-linked annuities, multi-year guarantee annuities, immediate annuities, pension risk transfer solutions, indexed universal life insurance, and institutional funding agreements. [P-5b7c8a0a8075497a9749dcbc85419153][P-7fcedd45b1ac4f259ebf7c80e8756d66] The annuity lineup includes deferred annuities that accumulate value on a tax-deferred basis and immediate annuities that begin making payments within one annuity period. [P-7fcedd45b1ac4f259ebf7c80e8756d66] F&G also states that it uses options and futures to hedge the index credits on FIA and IUL liabilities, including options on indices such as the S&P 500, and that most of its products allow active management to target lifetime returns. [P-74627d6a5b79497d86dcc3e16a061c06] In 2024, FIAs accounted for about 44% of F&G gross sales, with the remainder primarily from fixed rate annuities at 33%, pension risk transfer at 15%, funding agreements at 7%, and IUL at 1%.",
      "updatedAt": "2026-03-18T15:18:35.332352Z"
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      "type": "GEOGRAPHY",
      "text": "Fidelity National Financial’s operations and sales are concentrated overwhelmingly in the United States. The company states that substantially all of its revenue is generated in the U.S., and its direct title operations are organized through roughly 230 profit centers that typically serve a county, group of counties, or an entire state, supported by about 5,100 agents [P-f2633bc674a648b3aaea9436b75dcf43]. In 2024, title insurance premium revenue was led by Texas at $710 million (13.8%), California at $668 million (12.9%), Florida at $525 million (10.2%), Illinois at $298 million (5.8%), and Pennsylvania at $269 million (5.2%), with all other states contributing $2.687 billion (52.1%) [T-e7ed7158f8db445f9aa37580f6f27eac].\n\nThe company reports approximately 1,300 locations throughout the United States and Canada, while noting that its subsidiaries operate primarily from leased office space in 47 states, Washington, D.C., Canada, India, Bermuda, and the Cayman Islands [P-198fcaecedcd4ba5a00dc27ae7ca8e2d][P-47588007a9594ba19641ad181edd2c2a]. Its corporate headquarters are in Jacksonville, Florida, and F&G’s headquarters are in Des Moines, Iowa [P-47588007a9594ba19641ad181edd2c2a]. Within the U.S., its commercial title business is present in major real estate markets including Atlanta, Boston, Chicago, Dallas, Houston, Los Angeles, New York, Philadelphia, Phoenix, Seattle, and Washington, D.C. [P-1a16895b78ba44ab835dfd6687d012c6].",
      "updatedAt": "2026-03-18T15:18:35.332352Z"
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      "type": "SEGMENTS",
      "text": "Fidelity National Financial presents two main reportable segments in its segment disclosures: Title and F&G; it also shows Corporate and Other separately alongside an elimination column in the segment tables [P-b77654980ea44afb9da37d36bccb9955][T-e58a6f8c949346c2b4c0e381cd32e618]. The Title segment consists of the company’s title insurance underwriters and related businesses, providing title insurance, escrow and other title-related services, including loan sub-servicing, valuations, default services and home warranty [P-30205e12d7b04cd7b8e40dec5d00cefc]. The F&G segment comprises annuities and life insurance operations, including deferred annuities, immediate annuities, indexed universal life insurance, funding agreements and pension risk transfer solutions [P-1216755e98a744bfbf57a9fcff5bf090]. Corporate and Other includes the parent holding company, real estate technology subsidiaries, remaining real estate brokerage businesses, and certain unallocated corporate overhead and intersegment eliminations with the Title segment [P-28703093843e4fbd932ccd19dfa309a2].\n\nOn the 2024 “Total segment revenues” line, Title contributed $7.702 billion, or about 56% of total segment revenues; F&G contributed $5.744 billion, or about 42%; and Corporate and Other contributed $0.343 billion, or about 3%, offset by a small negative elimination of $0.108 billion [T-e58a6f8c949346c2b4c0e381cd32e618]. This indicates that FNF’s segment mix is driven primarily by Title and F&G, with Title remaining the larger revenue contributor in the latest reported year [T-e58a6f8c949346c2b4c0e381cd32e618].",
      "updatedAt": "2026-03-18T15:18:35.332352Z"
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      "type": "HISTORY",
      "text": "Fidelity National Financial traces its roots to 1847 through legacy title operations on its official history pages.[https://nationalagency.fnf.com/home][https://nationalagency.fnf.com/fl/our-story] The modern company expanded significantly in 2000 through its merger with Chicago Title, a transaction that later filings identify as a major source of the company’s goodwill.[P-f9679ff8bb314777a7006cedc7f34e1e][P-06908c47a5cb4543a1885d90af50fd91] In 2005, it announced a strategic restructuring centered on its title insurance operations, and in 2006 Fidelity National Title Group, Inc. changed its name to Fidelity National Financial, Inc., with its shares beginning trading on the NYSE under the FNF symbol.[https://www.alta.org/news-and-publications/news/20050517-Fidelity-National-Financial-Inc-Announces-a-Strategic-Restructuring-][https://www.investor.fnf.com/news-releases/news-release-details/fidelity-national-title-group-inc-changes-name-fidelity-national]\n\nFNF further broadened its title platform in 2008 by acquiring Commonwealth Land Title Insurance Company, Lawyers Title Insurance Corporation and United Capital Title Insurance Company from LandAmerica.[https://www.investor.fnf.com/news-releases/news-release-details/fidelity-national-financial-inc-announces-closing-acquisition-0] In 2020, the company expanded beyond its traditional title insurance base by completing the acquisition of FGL Holdings, adding the F&G life and annuity business.[https://www.investor.fnf.com/news-releases/news-release-details/fidelity-national-financial-completes-acquisition-fgl-holdings/] In 2022, FNF completed a transaction to distribute approximately 15% of F&G to FNF shareholders while retaining a majority stake, marking another step in the evolution of that business.\n\n[https://www.investor.fnf.com/news-releases/news-release-details/fidelity-national-financial-completes-planned-transaction]",
      "updatedAt": "2026-03-18T15:18:35.332352Z"
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      "href": "https://www.investor.fnf.com/news-releases/news-release-details/fidelity-national-financial-completes-planned-transaction",
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