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Side-by-side financial comparison of Fidelity National Financial, Inc. (FNF) and Savers Value Village, Inc. (SVV). 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 $426.9M, roughly 1.3× Savers Value Village, Inc.). Savers Value Village, Inc. runs the higher net margin — -3.3% vs -21.5%, a 18.2% gap on every dollar of revenue. On growth, Fidelity National Financial, Inc. posted the faster year-over-year revenue change (10.3% vs 8.1%). Over the past eight quarters, Fidelity National Financial, Inc.'s revenue compounded faster (13.7% CAGR vs 4.3%).
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.
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
FNF vs SVV — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $544.0M | $426.9M |
| Net Profit | $-117.0M | $-14.0M |
| Gross Margin | — | — |
| Operating Margin | 82.9% | 8.5% |
| Net Margin | -21.5% | -3.3% |
| Revenue YoY | 10.3% | 8.1% |
| Net Profit YoY | -126.0% | -164.6% |
| EPS (diluted) | $-0.44 | $-0.09 |
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 | — | ||
| Q3 25 | $553.0M | $426.9M | ||
| Q2 25 | $547.0M | $417.2M | ||
| Q1 25 | $455.0M | $370.1M | ||
| Q4 24 | $493.0M | $402.0M | ||
| Q3 24 | $506.0M | $394.8M | ||
| Q2 24 | $504.0M | $386.7M | ||
| Q1 24 | $421.0M | $354.2M |
| Q4 25 | $-117.0M | — | ||
| Q3 25 | $358.0M | $-14.0M | ||
| Q2 25 | $278.0M | $18.9M | ||
| Q1 25 | $83.0M | $-4.7M | ||
| Q4 24 | $450.0M | $-1.9M | ||
| Q3 24 | $266.0M | $21.7M | ||
| Q2 24 | $306.0M | $9.7M | ||
| Q1 24 | $248.0M | $-467.0K |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 26.6% | ||
| Q1 24 | — | 24.2% |
| Q4 25 | 82.9% | — | ||
| Q3 25 | 81.9% | 8.5% | ||
| Q2 25 | 69.8% | 8.2% | ||
| Q1 25 | 24.4% | 2.8% | ||
| Q4 24 | — | 8.2% | ||
| Q3 24 | 61.9% | 12.3% | ||
| Q2 24 | 90.9% | 8.3% | ||
| Q1 24 | 78.6% | 4.6% |
| Q4 25 | -21.5% | — | ||
| Q3 25 | 64.7% | -3.3% | ||
| Q2 25 | 50.8% | 4.5% | ||
| Q1 25 | 18.2% | -1.3% | ||
| Q4 24 | 91.3% | -0.5% | ||
| Q3 24 | 52.6% | 5.5% | ||
| Q2 24 | 60.7% | 2.5% | ||
| Q1 24 | 58.9% | -0.1% |
| Q4 25 | $-0.44 | — | ||
| Q3 25 | $1.33 | $-0.09 | ||
| Q2 25 | $1.02 | $0.12 | ||
| Q1 25 | $0.30 | $-0.03 | ||
| Q4 24 | $1.65 | $-0.02 | ||
| Q3 24 | $0.97 | $0.13 | ||
| Q2 24 | $1.12 | $0.06 | ||
| Q1 24 | $0.91 | $0.00 |
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 | $63.5M |
| Total DebtLower is stronger | $4.4B | $750.0M |
| Stockholders' EquityBook value | $7.4B | $414.6M |
| Total Assets | $109.0B | $2.0B |
| Debt / EquityLower = less leverage | 0.59× | 1.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.6B | — | ||
| Q3 25 | $3.5B | $63.5M | ||
| Q2 25 | $3.3B | $70.5M | ||
| Q1 25 | $4.5B | $73.0M | ||
| Q4 24 | $3.5B | $150.0M | ||
| Q3 24 | $5.0B | $137.7M | ||
| Q2 24 | $4.9B | $160.7M | ||
| Q1 24 | $3.5B | $102.2M |
| Q4 25 | $4.4B | — | ||
| Q3 25 | $4.4B | $750.0M | ||
| 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 | — | ||
| Q3 25 | $8.4B | $414.6M | ||
| Q2 25 | $7.9B | $423.5M | ||
| Q1 25 | $7.9B | $413.8M | ||
| Q4 24 | $7.8B | $421.7M | ||
| Q3 24 | $8.1B | $432.9M | ||
| Q2 24 | $7.3B | $419.5M | ||
| Q1 24 | $7.1B | $395.0M |
| Q4 25 | $109.0B | — | ||
| Q3 25 | $106.6B | $2.0B | ||
| Q2 25 | $102.3B | $1.9B | ||
| Q1 25 | $98.2B | $1.9B | ||
| Q4 24 | $95.4B | $1.9B | ||
| Q3 24 | $94.7B | $1.9B | ||
| Q2 24 | $88.8B | $1.9B | ||
| Q1 24 | $84.5B | $1.8B |
| Q4 25 | 0.59× | — | ||
| Q3 25 | 0.53× | 1.81× | ||
| 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 | $21.6M |
| Free Cash FlowOCF − Capex | — | $-6.3M |
| FCF MarginFCF / Revenue | — | -1.5% |
| Capex IntensityCapex / Revenue | — | 6.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $25.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.3B | $21.6M | ||
| Q2 25 | $1.9B | $54.4M | ||
| Q1 25 | $1.1B | $419.0K | ||
| Q4 24 | $1.5B | $55.8M | ||
| Q3 24 | $2.4B | $23.9M | ||
| Q2 24 | $1.4B | $60.4M | ||
| Q1 24 | $1.6B | $-5.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | $-6.3M | ||
| Q2 25 | — | $21.9M | ||
| Q1 25 | — | $-20.2M | ||
| Q4 24 | — | $30.1M | ||
| Q3 24 | — | $-3.0M | ||
| Q2 24 | — | $29.6M | ||
| Q1 24 | — | $-28.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | -1.5% | ||
| Q2 25 | — | 5.2% | ||
| Q1 25 | — | -5.4% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | — | -0.8% | ||
| Q2 24 | — | 7.6% | ||
| Q1 24 | — | -8.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | 6.5% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 8.0% | ||
| Q1 24 | — | 6.4% |
| Q4 25 | — | — | ||
| Q3 25 | 3.66× | — | ||
| Q2 25 | 6.82× | 2.88× | ||
| Q1 25 | 13.43× | — | ||
| Q4 24 | 3.32× | — | ||
| Q3 24 | 8.89× | 1.10× | ||
| Q2 24 | 4.45× | 6.22× | ||
| 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% |
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
