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Side-by-side financial comparison of Fidelity National Financial, Inc. (FNF) and PHINIA INC. (PHIN). Click either name above to swap in a different company.
PHINIA INC. is the larger business by last-quarter revenue ($889.0M vs $544.0M, roughly 1.6× Fidelity National Financial, Inc.). On growth, Fidelity National Financial, Inc. posted the faster year-over-year revenue change (10.3% vs 6.7%). Over the past eight quarters, Fidelity National Financial, Inc.'s revenue compounded faster (13.7% CAGR vs 1.5%).
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.
PHINIA Inc. is a global automotive technology provider specializing in fuel injection systems, starters, alternators, and hybrid/electric vehicle components. It serves OEMs and aftermarket customers across North America, Europe, Asia Pacific and key markets, covering passenger car, commercial vehicle and industrial mobility segments.
FNF vs PHIN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $544.0M | $889.0M |
| Net Profit | $-117.0M | — |
| Gross Margin | — | 21.7% |
| Operating Margin | 82.9% | 7.8% |
| Net Margin | -21.5% | — |
| Revenue YoY | 10.3% | 6.7% |
| Net Profit YoY | -126.0% | — |
| EPS (diluted) | $-0.44 | $1.14 |
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 | $889.0M | ||
| Q3 25 | $553.0M | $908.0M | ||
| Q2 25 | $547.0M | $890.0M | ||
| Q1 25 | $455.0M | $796.0M | ||
| Q4 24 | $493.0M | $833.0M | ||
| Q3 24 | $506.0M | $839.0M | ||
| Q2 24 | $504.0M | $868.0M | ||
| Q1 24 | $421.0M | $863.0M |
| Q4 25 | $-117.0M | — | ||
| Q3 25 | $358.0M | $13.0M | ||
| Q2 25 | $278.0M | $46.0M | ||
| Q1 25 | $83.0M | $26.0M | ||
| Q4 24 | $450.0M | — | ||
| Q3 24 | $266.0M | $31.0M | ||
| Q2 24 | $306.0M | $14.0M | ||
| Q1 24 | $248.0M | $29.0M |
| Q4 25 | — | 21.7% | ||
| Q3 25 | — | 22.0% | ||
| Q2 25 | — | 22.1% | ||
| Q1 25 | — | 21.6% | ||
| Q4 24 | — | 22.7% | ||
| Q3 24 | — | 22.3% | ||
| Q2 24 | — | 21.7% | ||
| Q1 24 | — | 22.2% |
| Q4 25 | 82.9% | 7.8% | ||
| Q3 25 | 81.9% | 3.7% | ||
| Q2 25 | 69.8% | 10.0% | ||
| Q1 25 | 24.4% | 7.8% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | 61.9% | 7.9% | ||
| Q2 24 | 90.9% | 8.2% | ||
| Q1 24 | 78.6% | 8.2% |
| Q4 25 | -21.5% | — | ||
| Q3 25 | 64.7% | 1.4% | ||
| Q2 25 | 50.8% | 5.2% | ||
| Q1 25 | 18.2% | 3.3% | ||
| Q4 24 | 91.3% | — | ||
| Q3 24 | 52.6% | 3.7% | ||
| Q2 24 | 60.7% | 1.6% | ||
| Q1 24 | 58.9% | 3.4% |
| Q4 25 | $-0.44 | $1.14 | ||
| Q3 25 | $1.33 | $0.33 | ||
| Q2 25 | $1.02 | $1.14 | ||
| Q1 25 | $0.30 | $0.63 | ||
| Q4 24 | $1.65 | $0.13 | ||
| Q3 24 | $0.97 | $0.70 | ||
| Q2 24 | $1.12 | $0.31 | ||
| Q1 24 | $0.91 | $0.62 |
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 | $359.0M |
| Total DebtLower is stronger | $4.4B | $970.0M |
| Stockholders' EquityBook value | $7.4B | $1.6B |
| Total Assets | $109.0B | $3.8B |
| Debt / EquityLower = less leverage | 0.59× | 0.61× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.6B | $359.0M | ||
| Q3 25 | $3.5B | $349.0M | ||
| Q2 25 | $3.3B | $347.0M | ||
| Q1 25 | $4.5B | $373.0M | ||
| Q4 24 | $3.5B | $484.0M | ||
| Q3 24 | $5.0B | $477.0M | ||
| Q2 24 | $4.9B | $339.0M | ||
| Q1 24 | $3.5B | $325.0M |
| Q4 25 | $4.4B | $970.0M | ||
| Q3 25 | $4.4B | $990.0M | ||
| Q2 25 | $4.4B | $990.0M | ||
| Q1 25 | $4.4B | $989.0M | ||
| Q4 24 | $4.3B | $988.0M | ||
| Q3 24 | $4.2B | $987.0M | ||
| Q2 24 | $4.2B | $821.0M | ||
| Q1 24 | $3.9B | $706.0M |
| Q4 25 | $7.4B | $1.6B | ||
| Q3 25 | $8.4B | $1.6B | ||
| Q2 25 | $7.9B | $1.6B | ||
| Q1 25 | $7.9B | $1.5B | ||
| Q4 24 | $7.8B | $1.6B | ||
| Q3 24 | $8.1B | $1.7B | ||
| Q2 24 | $7.3B | $1.7B | ||
| Q1 24 | $7.1B | $1.9B |
| Q4 25 | $109.0B | $3.8B | ||
| Q3 25 | $106.6B | $4.0B | ||
| Q2 25 | $102.3B | $3.9B | ||
| Q1 25 | $98.2B | $3.7B | ||
| Q4 24 | $95.4B | $3.8B | ||
| Q3 24 | $94.7B | $4.0B | ||
| Q2 24 | $88.8B | $3.9B | ||
| Q1 24 | $84.5B | $4.0B |
| Q4 25 | 0.59× | 0.61× | ||
| Q3 25 | 0.53× | 0.62× | ||
| Q2 25 | 0.56× | 0.61× | ||
| Q1 25 | 0.56× | 0.64× | ||
| Q4 24 | 0.56× | 0.63× | ||
| Q3 24 | 0.52× | 0.58× | ||
| Q2 24 | 0.58× | 0.47× | ||
| Q1 24 | 0.55× | 0.38× |
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 | $96.0M |
| Free Cash FlowOCF − Capex | — | $67.0M |
| FCF MarginFCF / Revenue | — | 7.5% |
| Capex IntensityCapex / Revenue | — | 3.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $188.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.5B | $96.0M | ||
| Q3 25 | $1.3B | $119.0M | ||
| Q2 25 | $1.9B | $57.0M | ||
| Q1 25 | $1.1B | $40.0M | ||
| Q4 24 | $1.5B | $73.0M | ||
| Q3 24 | $2.4B | $95.0M | ||
| Q2 24 | $1.4B | $109.0M | ||
| Q1 24 | $1.6B | $31.0M |
| Q4 25 | — | $67.0M | ||
| Q3 25 | — | $93.0M | ||
| Q2 25 | — | $23.0M | ||
| Q1 25 | — | $5.0M | ||
| Q4 24 | — | $53.0M | ||
| Q3 24 | — | $70.0M | ||
| Q2 24 | — | $92.0M | ||
| Q1 24 | — | $-12.0M |
| Q4 25 | — | 7.5% | ||
| Q3 25 | — | 10.2% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 10.6% | ||
| Q1 24 | — | -1.4% |
| Q4 25 | — | 3.3% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | 4.4% | ||
| Q4 24 | — | 2.4% | ||
| Q3 24 | — | 3.0% | ||
| Q2 24 | — | 2.0% | ||
| Q1 24 | — | 5.0% |
| Q4 25 | — | — | ||
| Q3 25 | 3.66× | 9.15× | ||
| Q2 25 | 6.82× | 1.24× | ||
| Q1 25 | 13.43× | 1.54× | ||
| Q4 24 | 3.32× | — | ||
| Q3 24 | 8.89× | 3.06× | ||
| Q2 24 | 4.45× | 7.79× | ||
| Q1 24 | 6.42× | 1.07× |
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% |
PHIN
| Customer | $618.0M | 70% |
| Fuel Systems | $194.0M | 22% |
| Other | $77.0M | 9% |
