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Side-by-side financial comparison of Fidelity National Financial, Inc. (FNF) and RH (RH). Click either name above to swap in a different company.
RH is the larger business by last-quarter revenue ($883.8M vs $544.0M, roughly 1.6× Fidelity National Financial, Inc.). RH runs the higher net margin — 4.1% vs -21.5%, a 25.6% gap on every dollar of revenue. On growth, Fidelity National Financial, Inc. posted the faster year-over-year revenue change (10.3% vs 8.9%). Over the past eight quarters, Fidelity National Financial, Inc.'s revenue compounded faster (13.7% CAGR vs 9.4%).
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.
RH is an upscale American home-furnishings company headquartered in Corte Madera, California. The company sells its merchandise through its retail stores, catalog, and online. As of August 2018, the company operated a total of 70 galleries, 18 full-line design galleries, and 3 baby-and-child galleries. The company also has 36 outlet stores in the United States and Canada.
FNF vs RH — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $544.0M | $883.8M |
| Net Profit | $-117.0M | $36.3M |
| Gross Margin | — | 44.1% |
| Operating Margin | 82.9% | 12.0% |
| Net Margin | -21.5% | 4.1% |
| Revenue YoY | 10.3% | 8.9% |
| Net Profit YoY | -126.0% | 9.3% |
| EPS (diluted) | $-0.44 | $1.83 |
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 | $883.8M | ||
| Q3 25 | $553.0M | $899.2M | ||
| Q2 25 | $547.0M | $814.0M | ||
| Q1 25 | $455.0M | $812.4M | ||
| Q4 24 | $493.0M | $811.7M | ||
| Q3 24 | $506.0M | $829.7M | ||
| Q2 24 | $504.0M | $727.0M | ||
| Q1 24 | $421.0M | $738.3M |
| Q4 25 | $-117.0M | $36.3M | ||
| Q3 25 | $358.0M | $51.7M | ||
| Q2 25 | $278.0M | $8.0M | ||
| Q1 25 | $83.0M | $13.9M | ||
| Q4 24 | $450.0M | $33.2M | ||
| Q3 24 | $266.0M | $29.0M | ||
| Q2 24 | $306.0M | $-3.6M | ||
| Q1 24 | $248.0M | $11.4M |
| Q4 25 | — | 44.1% | ||
| Q3 25 | — | 45.5% | ||
| Q2 25 | — | 43.7% | ||
| Q1 25 | — | 44.7% | ||
| Q4 24 | — | 44.5% | ||
| Q3 24 | — | 45.2% | ||
| Q2 24 | — | 43.5% | ||
| Q1 24 | — | 43.5% |
| Q4 25 | 82.9% | 12.0% | ||
| Q3 25 | 81.9% | 14.3% | ||
| Q2 25 | 69.8% | 6.9% | ||
| Q1 25 | 24.4% | 8.7% | ||
| Q4 24 | — | 12.5% | ||
| Q3 24 | 61.9% | 11.6% | ||
| Q2 24 | 90.9% | 7.5% | ||
| Q1 24 | 78.6% | 8.7% |
| Q4 25 | -21.5% | 4.1% | ||
| Q3 25 | 64.7% | 5.8% | ||
| Q2 25 | 50.8% | 1.0% | ||
| Q1 25 | 18.2% | 1.7% | ||
| Q4 24 | 91.3% | 4.1% | ||
| Q3 24 | 52.6% | 3.5% | ||
| Q2 24 | 60.7% | -0.5% | ||
| Q1 24 | 58.9% | 1.5% |
| Q4 25 | $-0.44 | $1.83 | ||
| Q3 25 | $1.33 | $2.62 | ||
| Q2 25 | $1.02 | $0.40 | ||
| Q1 25 | $0.30 | $0.71 | ||
| Q4 24 | $1.65 | $1.66 | ||
| Q3 24 | $0.97 | $1.45 | ||
| Q2 24 | $1.12 | $-0.20 | ||
| Q1 24 | $0.91 | $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 | $43.1M |
| Total DebtLower is stronger | $4.4B | — |
| Stockholders' EquityBook value | $7.4B | $3.3M |
| Total Assets | $109.0B | $4.8B |
| Debt / EquityLower = less leverage | 0.59× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.6B | $43.1M | ||
| Q3 25 | $3.5B | $34.6M | ||
| Q2 25 | $3.3B | $46.1M | ||
| Q1 25 | $4.5B | $30.4M | ||
| Q4 24 | $3.5B | $87.0M | ||
| Q3 24 | $5.0B | $78.3M | ||
| Q2 24 | $4.9B | $101.8M | ||
| Q1 24 | $3.5B | $123.7M |
| Q4 25 | $4.4B | — | ||
| Q3 25 | $4.4B | — | ||
| Q2 25 | $4.4B | — | ||
| Q1 25 | $4.4B | — | ||
| Q4 24 | $4.3B | — | ||
| Q3 24 | $4.2B | — | ||
| Q2 24 | $4.2B | — | ||
| Q1 24 | $3.9B | — |
| Q4 25 | $7.4B | $3.3M | ||
| Q3 25 | $8.4B | $-40.9M | ||
| Q2 25 | $7.9B | $-110.8M | ||
| Q1 25 | $7.9B | $-163.6M | ||
| Q4 24 | $7.8B | $-183.0M | ||
| Q3 24 | $8.1B | $-234.7M | ||
| Q2 24 | $7.3B | $-289.9M | ||
| Q1 24 | $7.1B | $-297.4M |
| Q4 25 | $109.0B | $4.8B | ||
| Q3 25 | $106.6B | $4.7B | ||
| Q2 25 | $102.3B | $4.7B | ||
| Q1 25 | $98.2B | $4.6B | ||
| Q4 24 | $95.4B | $4.5B | ||
| Q3 24 | $94.7B | $4.4B | ||
| Q2 24 | $88.8B | $4.2B | ||
| Q1 24 | $84.5B | $4.1B |
| Q4 25 | 0.59× | — | ||
| Q3 25 | 0.53× | — | ||
| Q2 25 | 0.56× | — | ||
| Q1 25 | 0.56× | — | ||
| Q4 24 | 0.56× | — | ||
| Q3 24 | 0.52× | — | ||
| 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 | $131.9M |
| Free Cash FlowOCF − Capex | — | $83.0M |
| FCF MarginFCF / Revenue | — | 9.4% |
| Capex IntensityCapex / Revenue | — | 5.5% |
| Cash ConversionOCF / Net Profit | — | 3.64× |
| TTM Free Cash FlowTrailing 4 quarters | — | $128.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.5B | $131.9M | ||
| Q3 25 | $1.3B | $137.7M | ||
| Q2 25 | $1.9B | $86.6M | ||
| Q1 25 | $1.1B | $-18.8M | ||
| Q4 24 | $1.5B | $-31.4M | ||
| Q3 24 | $2.4B | $11.2M | ||
| Q2 24 | $1.4B | $56.1M | ||
| Q1 24 | $1.6B | $-114.0M |
| Q4 25 | — | $83.0M | ||
| Q3 25 | — | $80.7M | ||
| Q2 25 | — | $34.1M | ||
| Q1 25 | — | $-69.7M | ||
| Q4 24 | — | $-96.0M | ||
| Q3 24 | — | $-37.9M | ||
| Q2 24 | — | $-10.1M | ||
| Q1 24 | — | $-251.5M |
| Q4 25 | — | 9.4% | ||
| Q3 25 | — | 9.0% | ||
| Q2 25 | — | 4.2% | ||
| Q1 25 | — | -8.6% | ||
| Q4 24 | — | -11.8% | ||
| Q3 24 | — | -4.6% | ||
| Q2 24 | — | -1.4% | ||
| Q1 24 | — | -34.1% |
| Q4 25 | — | 5.5% | ||
| Q3 25 | — | 6.3% | ||
| Q2 25 | — | 6.5% | ||
| Q1 25 | — | 6.3% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | — | 5.9% | ||
| Q2 24 | — | 9.1% | ||
| Q1 24 | — | 18.6% |
| Q4 25 | — | 3.64× | ||
| Q3 25 | 3.66× | 2.66× | ||
| Q2 25 | 6.82× | 10.78× | ||
| Q1 25 | 13.43× | -1.35× | ||
| Q4 24 | 3.32× | -0.95× | ||
| Q3 24 | 8.89× | 0.39× | ||
| Q2 24 | 4.45× | — | ||
| Q1 24 | 6.42× | -10.01× |
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% |
RH
| RH Segment | $835.8M | 95% |
| Waterworks Segment | $48.0M | 5% |
| Gift Card And Merchandise Credit | $4.5M | 1% |
