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Fidelity National Financial, Inc.（FNF）与INVESTORS TITLE CO（ITIC）财务数据对比。点击上方公司名可切换其他公司
Fidelity National Financial, Inc.的季度营收约是INVESTORS TITLE CO的53.5倍（$544.0M vs $10.2M）。INVESTORS TITLE CO同比增速更快（11.3% vs 10.3%）。过去两年Fidelity National Financial, Inc.的营收复合增速更高（13.7% vs 12.6%）
富达国民金融是美国财富500强企业，主要面向房地产与抵押贷款行业提供产权保险及交割服务，2019年其产权及房地产业务相关年度营收约为84.69亿美元，是全球领先的产权保险服务供应商。
该公司是全球首家产权保险公司，前身为费城房地产产权保险公司，目前专注于为房地产交易提供产权保险相关服务，保障房地产交易中产权方的合法权益，在产权保险领域拥有悠久的发展历史与行业积累。
FNF vs ITIC — 直观对比
营收规模更大
FNF
是对方的53.5倍
$10.2M
营收增速更快
ITIC
高出1.0%
10.3%
两年增速更快
FNF
近两年复合增速
12.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $544.0M | $10.2M |
| 净利润 | $-117.0M | — |
| 毛利率 | — | — |
| 营业利润率 | 82.9% | 94.5% |
| 净利率 | -21.5% | — |
| 营收同比 | 10.3% | 11.3% |
| 净利润同比 | -126.0% | — |
| 每股收益（稀释后） | $-0.44 | $3.97 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收FNFITIC
| Q4 25 | $544.0M | $10.2M | ||
| Q3 25 | $553.0M | $11.1M | ||
| Q2 25 | $547.0M | $11.2M | ||
| Q1 25 | $455.0M | $8.5M | ||
| Q4 24 | $493.0M | $9.1M | ||
| Q3 24 | $506.0M | $8.9M | ||
| Q2 24 | $504.0M | $9.1M | ||
| Q1 24 | $421.0M | $8.0M |
净利润FNFITIC
| Q4 25 | $-117.0M | — | ||
| Q3 25 | $358.0M | $12.2M | ||
| Q2 25 | $278.0M | $12.3M | ||
| Q1 25 | $83.0M | $3.2M | ||
| Q4 24 | $450.0M | — | ||
| Q3 24 | $266.0M | $9.3M | ||
| Q2 24 | $306.0M | $8.9M | ||
| Q1 24 | $248.0M | $4.5M |
营业利润率FNFITIC
| Q4 25 | 82.9% | 94.5% | ||
| Q3 25 | 81.9% | — | ||
| Q2 25 | 69.8% | — | ||
| Q1 25 | 24.4% | 47.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | 61.9% | — | ||
| Q2 24 | 90.9% | — | ||
| Q1 24 | 78.6% | 72.2% |
净利率FNFITIC
| Q4 25 | -21.5% | — | ||
| Q3 25 | 64.7% | 110.3% | ||
| Q2 25 | 50.8% | 109.9% | ||
| Q1 25 | 18.2% | 37.3% | ||
| Q4 24 | 91.3% | — | ||
| Q3 24 | 52.6% | 104.9% | ||
| Q2 24 | 60.7% | 97.4% | ||
| Q1 24 | 58.9% | 56.4% |
每股收益（稀释后）FNFITIC
| Q4 25 | $-0.44 | $3.97 | ||
| Q3 25 | $1.33 | $6.45 | ||
| Q2 25 | $1.02 | $6.48 | ||
| Q1 25 | $0.30 | $1.67 | ||
| Q4 24 | $1.65 | $4.41 | ||
| Q3 24 | $0.97 | $4.92 | ||
| Q2 24 | $1.12 | $4.70 | ||
| Q1 24 | $0.91 | $2.40 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $2.6B | $89.6M |
| 总债务越低越好 | $4.4B | — |
| 股东权益账面价值 | $7.4B | $268.3M |
| 总资产 | $109.0B | $363.1M |
| 负债/权益比越低杠杆越低 | 0.59× | — |
8季度趋势，按日历期对齐
现金及短期投资FNFITIC
| Q4 25 | $2.6B | $89.6M | ||
| Q3 25 | $3.5B | $110.8M | ||
| Q2 25 | $3.3B | $90.1M | ||
| Q1 25 | $4.5B | $81.7M | ||
| Q4 24 | $3.5B | $83.8M | ||
| Q3 24 | $5.0B | $112.9M | ||
| Q2 24 | $4.9B | $111.2M | ||
| Q1 24 | $3.5B | $135.0M |
总债务FNFITIC
| 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 | — |
股东权益FNFITIC
| Q4 25 | $7.4B | $268.3M | ||
| Q3 25 | $8.4B | $278.0M | ||
| Q2 25 | $7.9B | $266.2M | ||
| Q1 25 | $7.9B | $254.4M | ||
| Q4 24 | $7.8B | $251.8M | ||
| Q3 24 | $8.1B | $271.3M | ||
| Q2 24 | $7.3B | $261.8M | ||
| Q1 24 | $7.1B | $254.0M |
总资产FNFITIC
| Q4 25 | $109.0B | $363.1M | ||
| Q3 25 | $106.6B | $363.3M | ||
| Q2 25 | $102.3B | $345.8M | ||
| Q1 25 | $98.2B | $333.8M | ||
| Q4 24 | $95.4B | $333.6M | ||
| Q3 24 | $94.7B | $352.0M | ||
| Q2 24 | $88.8B | $340.3M | ||
| Q1 24 | $84.5B | $329.5M |
负债/权益比FNFITIC
| 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× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $1.5B | $5.0M |
| 自由现金流经营现金流 - 资本支出 | — | $3.7M |
| 自由现金流率自由现金流/营收 | — | 36.1% |
| 资本支出强度资本支出/营收 | — | 13.0% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $25.4M |
8季度趋势，按日历期对齐
经营现金流FNFITIC
| Q4 25 | $1.5B | $5.0M | ||
| Q3 25 | $1.3B | $17.2M | ||
| Q2 25 | $1.9B | $8.9M | ||
| Q1 25 | $1.1B | $-75.0K | ||
| Q4 24 | $1.5B | $12.1M | ||
| Q3 24 | $2.4B | $7.8M | ||
| Q2 24 | $1.4B | $8.4M | ||
| Q1 24 | $1.6B | $1.4M |
自由现金流FNFITIC
| Q4 25 | — | $3.7M | ||
| Q3 25 | — | $15.8M | ||
| Q2 25 | — | $7.3M | ||
| Q1 25 | — | $-1.4M | ||
| Q4 24 | — | $10.8M | ||
| Q3 24 | — | $6.1M | ||
| Q2 24 | — | $6.3M | ||
| Q1 24 | — | $-793.0K |
自由现金流率FNFITIC
| Q4 25 | — | 36.1% | ||
| Q3 25 | — | 142.8% | ||
| Q2 25 | — | 65.4% | ||
| Q1 25 | — | -16.5% | ||
| Q4 24 | — | 118.2% | ||
| Q3 24 | — | 68.6% | ||
| Q2 24 | — | 69.4% | ||
| Q1 24 | — | -9.9% |
资本支出强度FNFITIC
| Q4 25 | — | 13.0% | ||
| Q3 25 | — | 12.2% | ||
| Q2 25 | — | 13.9% | ||
| Q1 25 | — | 15.7% | ||
| Q4 24 | — | 14.8% | ||
| Q3 24 | — | 19.5% | ||
| Q2 24 | — | 23.2% | ||
| Q1 24 | — | 27.8% |
现金转化率FNFITIC
| Q4 25 | — | — | ||
| Q3 25 | 3.66× | 1.40× | ||
| Q2 25 | 6.82× | 0.72× | ||
| Q1 25 | 13.43× | -0.02× | ||
| Q4 24 | 3.32× | — | ||
| Q3 24 | 8.89× | 0.84× | ||
| Q2 24 | 4.45× | 0.95× | ||
| Q1 24 | 6.42× | 0.32× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
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% |
ITIC
| Escrow Title Related And Other Fees | $4.9M | 48% |
| Investment Related Revenue | $3.8M | 37% |
| Other | $1.5M | 15% |
