vs
Side-by-side financial comparison of Fidelity National Financial, Inc. (FNF) and Guardian Pharmacy Services, Inc. (GRDN). Click either name above to swap in a different company.
Fidelity National Financial, Inc. is the larger business by last-quarter revenue ($544.0M vs $397.6M, roughly 1.4× Guardian Pharmacy Services, Inc.). Guardian Pharmacy Services, Inc. runs the higher net margin — 5.3% vs -21.5%, a 26.8% gap on every dollar of revenue.
Fidelity National Financial, Inc., is an American provider of title insurance and settlement services to the real estate and mortgage industries. A Fortune 500 company, Fidelity National Financial generated approximately $8.469 billion in annual revenue in 2019 from its title and real estate-related operations. The company was the first instance of an attorney licensed by a Native American Tribe being certified as "authorized house counsel" in the state of Florida.
CVS Pharmacy Inc. is an American retail corporation. A subsidiary of CVS Health, it is headquartered in Woonsocket, Rhode Island. Originally named the Consumer Value Stores, it was founded in Lowell, Massachusetts, in 1963.
FNF vs GRDN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $544.0M | $397.6M |
| Net Profit | $-117.0M | $20.9M |
| Gross Margin | — | 21.5% |
| Operating Margin | 82.9% | 7.7% |
| Net Margin | -21.5% | 5.3% |
| Revenue YoY | 10.3% | — |
| Net Profit YoY | -126.0% | — |
| EPS (diluted) | $-0.44 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $544.0M | $397.6M | ||
| Q3 25 | $553.0M | $377.4M | ||
| Q2 25 | $547.0M | $344.3M | ||
| Q1 25 | $455.0M | $329.3M | ||
| Q4 24 | $493.0M | — | ||
| Q3 24 | $506.0M | $314.4M | ||
| Q2 24 | $504.0M | — | ||
| Q1 24 | $421.0M | — |
| Q4 25 | $-117.0M | $20.9M | ||
| Q3 25 | $358.0M | $9.8M | ||
| Q2 25 | $278.0M | $9.0M | ||
| Q1 25 | $83.0M | $9.4M | ||
| Q4 24 | $450.0M | — | ||
| Q3 24 | $266.0M | $-122.0M | ||
| Q2 24 | $306.0M | — | ||
| Q1 24 | $248.0M | — |
| Q4 25 | — | 21.5% | ||
| Q3 25 | — | 19.8% | ||
| Q2 25 | — | 19.8% | ||
| Q1 25 | — | 19.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 19.4% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 82.9% | 7.7% | ||
| Q3 25 | 81.9% | 4.3% | ||
| Q2 25 | 69.8% | 3.7% | ||
| Q1 25 | 24.4% | 3.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | 61.9% | -33.3% | ||
| Q2 24 | 90.9% | — | ||
| Q1 24 | 78.6% | — |
| Q4 25 | -21.5% | 5.3% | ||
| Q3 25 | 64.7% | 2.6% | ||
| Q2 25 | 50.8% | 2.6% | ||
| Q1 25 | 18.2% | 2.9% | ||
| Q4 24 | 91.3% | — | ||
| Q3 24 | 52.6% | -38.8% | ||
| Q2 24 | 60.7% | — | ||
| Q1 24 | 58.9% | — |
| Q4 25 | $-0.44 | — | ||
| Q3 25 | $1.33 | — | ||
| Q2 25 | $1.02 | — | ||
| Q1 25 | $0.30 | — | ||
| Q4 24 | $1.65 | — | ||
| Q3 24 | $0.97 | — | ||
| Q2 24 | $1.12 | — | ||
| Q1 24 | $0.91 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $2.6B | $65.6M |
| Total DebtLower is stronger | $4.4B | $0 |
| Stockholders' EquityBook value | $7.4B | $217.9M |
| Total Assets | $109.0B | $412.7M |
| Debt / EquityLower = less leverage | 0.59× | 0.00× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.6B | $65.6M | ||
| Q3 25 | $3.5B | $36.5M | ||
| Q2 25 | $3.3B | $18.8M | ||
| Q1 25 | $4.5B | $14.0M | ||
| Q4 24 | $3.5B | — | ||
| Q3 24 | $5.0B | $37.2M | ||
| Q2 24 | $4.9B | — | ||
| Q1 24 | $3.5B | — |
| Q4 25 | $4.4B | $0 | ||
| Q3 25 | $4.4B | — | ||
| Q2 25 | $4.4B | — | ||
| Q1 25 | $4.4B | — | ||
| Q4 24 | $4.3B | — | ||
| Q3 24 | $4.2B | $34.3M | ||
| Q2 24 | $4.2B | — | ||
| Q1 24 | $3.9B | — |
| Q4 25 | $7.4B | $217.9M | ||
| Q3 25 | $8.4B | $195.5M | ||
| Q2 25 | $7.9B | $179.7M | ||
| Q1 25 | $7.9B | $163.2M | ||
| Q4 24 | $7.8B | — | ||
| Q3 24 | $8.1B | $133.9M | ||
| Q2 24 | $7.3B | — | ||
| Q1 24 | $7.1B | — |
| Q4 25 | $109.0B | $412.7M | ||
| Q3 25 | $106.6B | $390.0M | ||
| Q2 25 | $102.3B | $356.3M | ||
| Q1 25 | $98.2B | $334.0M | ||
| Q4 24 | $95.4B | — | ||
| Q3 24 | $94.7B | $348.0M | ||
| Q2 24 | $88.8B | — | ||
| Q1 24 | $84.5B | — |
| Q4 25 | 0.59× | 0.00× | ||
| Q3 25 | 0.53× | — | ||
| Q2 25 | 0.56× | — | ||
| Q1 25 | 0.56× | — | ||
| Q4 24 | 0.56× | — | ||
| Q3 24 | 0.52× | 0.26× | ||
| Q2 24 | 0.58× | — | ||
| Q1 24 | 0.55× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $1.5B | $34.6M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.5B | $34.6M | ||
| Q3 25 | $1.3B | $28.2M | ||
| Q2 25 | $1.9B | $19.9M | ||
| Q1 25 | $1.1B | $17.6M | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $2.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.6B | — |
| Q4 25 | — | — | ||
| Q3 25 | — | $24.2M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | 6.4% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 1.65× | ||
| Q3 25 | 3.66× | 2.87× | ||
| Q2 25 | 6.82× | 2.21× | ||
| Q1 25 | 13.43× | 1.86× | ||
| Q4 24 | 3.32× | — | ||
| Q3 24 | 8.89× | — | ||
| Q2 24 | 4.45× | — | ||
| Q1 24 | 6.42× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FNF
| Escrow Fees | $241.0M | 44% |
| Other Title Related Fees And Income | $182.0M | 33% |
| Service Link Excluding Title Premiums Escrow Fees And Subservicing Fees | $87.0M | 16% |
| Insurance Contracts Home Warranty | $31.0M | 6% |
GRDN
Segment breakdown not available.
