Fidelity National Financial, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026, with the SEC on November 6, 2026, reporting condensed consolidated financial results for the three and nine months ended September 30, 2026.

Key Highlights

  • Net earnings of $848 million for the three months ended September 30, 2026, compared to $389 million for the same period in 2025, according to the filing.
  • Net earnings attributable to FNF common shareholders were $633 million for Q3 2026, versus $358 million for Q3 2025.
  • Diluted earnings per share of $2.37 for Q3 2026, compared to $1.33 for Q3 2025, as reported in the filing.
  • Total revenues for the three months ended September 30, 2026 were $3,578 million, down from $4,030 million in the prior-year quarter.
  • Total assets stood at $114,692 million as of September 30, 2026, up from $109,014 million as of December 31, 2025.
  • 268,192,827 shares of common stock were issued and outstanding as of October 31, 2026, the filing disclosed.
  • Nine-month net earnings attributable to FNF common shareholders were $1,164 million for the nine months ended September 30, 2026, versus $719 million for the same period in 2025.

Fidelity National Financial Q3 2026 Financial Results: Revenue, Earnings, and Balance Sheet

According to the filing, Fidelity National Financial (NYSE:FNF) reported total revenues of $3,578 million for the three months ended September 30, 2026, compared to $4,030 million for the same quarter in 2025. The decline was driven in part by lower escrow, title-related and other fees, which fell to $1,083 million from $1,429 million, and lower recognized gains and losses, net, of $29 million versus $176 million in Q3 2025. Direct title insurance premiums rose to $755 million from $678 million, and agency title insurance premiums increased to $915 million from $890 million.

Total expenses for the third quarter of 2026 were $2,333 million, compared to $3,577 million in Q3 2025. The filing attributed a significant portion of the year-over-year change in expenses to benefits and other changes in policy reserves, which decreased to $26 million from $1,181 million, and market risk benefit gains of $167 million in Q3 2026 compared to losses of $43 million in Q3 2025. Personnel costs rose to $948 million from $899 million. Earnings before income taxes and equity in earnings of unconsolidated affiliates reached $1,245 million for Q3 2026, up from $453 million in Q3 2025.

On the balance sheet, the filing reported total liabilities of $106,031 million as of September 30, 2026, compared to $100,042 million as of December 31, 2025. Contractholder funds increased to $65,069 million from $62,726 million. Total equity was $8,661 million as of September 30, 2026, down from $8,972 million at December 31, 2025. Accumulated other comprehensive loss widened to $2,398 million from $1,678 million, reflecting, among other items, unrealized losses on investments of $2,002 million for the nine months ended September 30, 2026.

What Was Disclosed

Fidelity National Financial's 10-Q for Q3 2026 disclosed condensed consolidated balance sheets, income statements, comprehensive earnings, equity, and cash flow statements for the periods ended September 30, 2026, alongside notes to unaudited financial statements and management's discussion and analysis.