Fidelity National Financial (NYSE:FNF) versus TWFG (NASDAQ:TWFG) Head-To-Head Comparison

TWFG (NASDAQ:TWFG) and Fidelity National Financial (NYSE:FNF) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, dividends, risk, profitability, earnings and institutional ownership.

Insider & Institutional Ownership

81.2% of Fidelity National Financial shares are owned by institutional investors. 68.4% of TWFG shares are owned by company insiders. Comparatively, 5.7% of Fidelity National Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

This table compares TWFG and Fidelity National Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
TWFG	2.90%	19.49%	15.20%
Fidelity National Financial	5.03%	16.07%	1.30%

Risk and Volatility

TWFG has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500. Comparatively, Fidelity National Financial has a beta of 0.94, meaning that its stock price is 6% less volatile than the S&P 500.

Earnings and Valuation

This table compares TWFG and Fidelity National Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TWFG	$247.08 million	5.38	$7.96 million	$0.59	41.71
Fidelity National Financial	$14.45 billion	0.73	$602.00 million	$2.83	13.89

Fidelity National Financial has higher revenue and earnings than TWFG. Fidelity National Financial is trading at a lower price-to-earnings ratio than TWFG, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for TWFG and Fidelity National Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TWFG	0	4	4	0	2.50
Fidelity National Financial	0	3	2	0	2.40

TWFG presently has a consensus target price of $29.29, suggesting a potential upside of 19.00%. Fidelity National Financial has a consensus target price of $56.00, suggesting a potential upside of 42.43%. Given Fidelity National Financial’s higher probable upside, analysts clearly believe Fidelity National Financial is more favorable than TWFG.

About TWFG

TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers’ compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.

About Fidelity National Financial

Fidelity National Financial, Inc., together with its subsidiaries, provides various insurance products in the United States. The company operates through Title, F&G, and Corporate and Other segments. It offers title insurance, escrow, and other title related services, including trust activities, trustee sales guarantees, recordings and reconveyances, and home warranty products. The company also provides technology and transaction services to the real estate and mortgage industries; and mortgage transaction services, including title-related services and facilitation of production and management of mortgage loans. In addition, it offers annuity and life insurance products, such as deferred and immediate annuities, as well as indexed universal life insurance products; and funding agreements and pension risk transfer (PRT) solutions. Further, the company engages in the real estate brokerage business. Fidelity National Financial, Inc. was incorporated in 2005 and is headquartered in Jacksonville, Florida.