AXS vs. FNF: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AXS and FNF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
FNF’s market capitalization of 15.93 billion USD is significantly greater than AXS’s 7.80 billion USD, highlighting its more substantial market valuation.
With betas of 0.83 for AXS and 1.07 for FNF, both stocks show similar sensitivity to overall market movements.
| Symbol | AXS | FNF |
|---|---|---|
| Company Name | AXIS Capital Holdings Limited | Fidelity National Financial, Inc. |
| Country | BM | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Specialty |
| CEO | Vincent Christopher Tizzio | Michael Joseph Nolan |
| Price | 99.11 USD | 57.99 USD |
| Market Cap | 7.80 billion USD | 15.93 billion USD |
| Beta | 0.83 | 1.07 |
| Exchange | NYSE | NYSE |
| IPO Date | July 1, 2003 | October 14, 2005 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AXS and FNF by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AXS
14.84%
Insurance - Property & Casualty Industry
- Max
- 28.14%
- Q3
- 17.51%
- Median
- 12.75%
- Q1
- 8.26%
- Min
- 0.61%
AXS’s Return on Equity of 14.84% is on par with the norm for the Insurance - Property & Casualty industry, indicating its profitability relative to shareholder equity is typical for the sector.
FNF
3.68%
Insurance - Specialty Industry
- Max
- 17.02%
- Q3
- 13.02%
- Median
- 9.84%
- Q1
- 3.68%
- Min
- -1.33%
FNF’s Return on Equity of 3.68% is on par with the norm for the Insurance - Specialty industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
AXS
3.46%
Insurance - Property & Casualty Industry
- Max
- 21.89%
- Q3
- 10.09%
- Median
- 3.90%
- Q1
- 0.89%
- Min
- -7.26%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Property & Casualty industry.
FNF
0.53%
Insurance - Specialty Industry
- Max
- 18.07%
- Q3
- 17.85%
- Median
- 5.41%
- Q1
- 0.53%
- Min
- -13.42%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Specialty industry.
Net Profit Margin
AXS
14.61%
Insurance - Property & Casualty Industry
- Max
- 21.98%
- Q3
- 13.09%
- Median
- 9.18%
- Q1
- 6.10%
- Min
- 2.13%
A Net Profit Margin of 14.61% places AXS in the upper quartile for the Insurance - Property & Casualty industry, signifying strong profitability and more effective cost management than most of its peers.
FNF
2.60%
Insurance - Specialty Industry
- Max
- 72.27%
- Q3
- 46.34%
- Median
- 11.37%
- Q1
- 2.45%
- Min
- -18.16%
FNF’s Net Profit Margin of 2.60% is aligned with the median group of its peers in the Insurance - Specialty industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin
AXS
18.51%
Insurance - Property & Casualty Industry
- Max
- 31.70%
- Q3
- 17.32%
- Median
- 12.57%
- Q1
- 7.38%
- Min
- 4.31%
An Operating Profit Margin of 18.51% places AXS in the upper quartile for the Insurance - Property & Casualty industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
FNF
5.12%
Insurance - Specialty Industry
- Max
- 77.92%
- Q3
- 42.01%
- Median
- 16.88%
- Q1
- 6.78%
- Min
- -26.20%
FNF’s Operating Profit Margin of 5.12% is in the lower quartile for the Insurance - Specialty industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
Profitability at a Glance
| Symbol | AXS | FNF |
|---|---|---|
| Return on Equity (TTM) | 14.84% | 3.68% |
| Return on Assets (TTM) | 2.65% | 0.29% |
| Return on Invested Capital (TTM) | 3.46% | 0.53% |
| Net Profit Margin (TTM) | 14.61% | 2.60% |
| Operating Profit Margin (TTM) | 18.51% | 5.12% |
| Gross Profit Margin (TTM) | 99.86% | 57.37% |
Financial Strength
Current Ratio
AXS
11.18
Insurance - Property & Casualty Industry
- Max
- 51.52
- Q3
- 30.84
- Median
- 20.50
- Q1
- 6.61
- Min
- 0.41
AXS’s Current Ratio of 11.18 aligns with the median group of the Insurance - Property & Casualty industry, indicating that its short-term liquidity is in line with its sector peers.
FNF
2.99
Insurance - Specialty Industry
- Max
- 4.41
- Q3
- 4.06
- Median
- 2.04
- Q1
- 1.68
- Min
- 0.54
FNF’s Current Ratio of 2.99 aligns with the median group of the Insurance - Specialty industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio
AXS
0.25
Insurance - Property & Casualty Industry
- Max
- 0.58
- Q3
- 0.36
- Median
- 0.27
- Q1
- 0.14
- Min
- 0.01
AXS’s Debt-to-Equity Ratio of 0.25 is typical for the Insurance - Property & Casualty industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
FNF
0.60
Insurance - Specialty Industry
- Max
- 0.60
- Q3
- 0.54
- Median
- 0.45
- Q1
- 0.37
- Min
- 0.18
FNF’s leverage is in the upper quartile of the Insurance - Specialty industry, with a Debt-to-Equity Ratio of 0.60. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
AXS
16.60
Insurance - Property & Casualty Industry
- Max
- 39.40
- Q3
- 22.24
- Median
- 12.38
- Q1
- 6.68
- Min
- -12.40
AXS’s Interest Coverage Ratio of 16.60 is positioned comfortably within the norm for the Insurance - Property & Casualty industry, indicating a standard and healthy capacity to cover its interest payments.
FNF
2.55
Insurance - Specialty Industry
- Max
- 23.46
- Q3
- 15.46
- Median
- 8.42
- Q1
- 2.55
- Min
- -1.27
FNF’s Interest Coverage Ratio of 2.55 is positioned comfortably within the norm for the Insurance - Specialty industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | AXS | FNF |
|---|---|---|
| Current Ratio (TTM) | 11.18 | 2.99 |
| Quick Ratio (TTM) | 11.18 | 2.99 |
| Debt-to-Equity Ratio (TTM) | 0.25 | 0.60 |
| Debt-to-Asset Ratio (TTM) | 0.04 | 0.05 |
| Net Debt-to-EBITDA Ratio (TTM) | -1.16 | 0.65 |
| Interest Coverage Ratio (TTM) | 16.60 | 2.55 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AXS and FNF. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AXS
1.78%
Insurance - Property & Casualty Industry
- Max
- 8.17%
- Q3
- 3.10%
- Median
- 1.79%
- Q1
- 0.00%
- Min
- 0.00%
AXS’s Dividend Yield of 1.78% is consistent with its peers in the Insurance - Property & Casualty industry, providing a dividend return that is standard for its sector.
FNF
3.41%
Insurance - Specialty Industry
- Max
- 10.30%
- Q3
- 2.78%
- Median
- 1.95%
- Q1
- 0.68%
- Min
- 0.00%
With a Dividend Yield of 3.41%, FNF offers a more attractive income stream than most of its peers in the Insurance - Specialty industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio
AXS
20.60%
Insurance - Property & Casualty Industry
- Max
- 115.20%
- Q3
- 35.27%
- Median
- 22.19%
- Q1
- 3.16%
- Min
- 0.00%
AXS’s Dividend Payout Ratio of 20.60% is within the typical range for the Insurance - Property & Casualty industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
FNF
188.77%
Insurance - Specialty Industry
- Max
- 209.02%
- Q3
- 100.49%
- Median
- 23.78%
- Q1
- 15.35%
- Min
- 0.00%
FNF’s Dividend Payout Ratio of 188.77% is above 100%. This means the company is paying out more in dividends than it earned, a practice that is often unsustainable and could indicate a risk to future dividend stability.
Dividend at a Glance
| Symbol | AXS | FNF |
|---|---|---|
| Dividend Yield (TTM) | 1.78% | 3.41% |
| Dividend Payout Ratio (TTM) | 20.60% | 188.77% |
Valuation
Price-to-Earnings Ratio
AXS
9.14
Insurance - Property & Casualty Industry
- Max
- 35.83
- Q3
- 23.28
- Median
- 14.49
- Q1
- 11.91
- Min
- 4.47
In the lower quartile for the Insurance - Property & Casualty industry, AXS’s P/E Ratio of 9.14 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
FNF
55.55
Insurance - Specialty Industry
- Max
- 18.48
- Q3
- 18.26
- Median
- 12.63
- Q1
- 9.09
- Min
- 8.06
At 55.55, FNF’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance - Specialty industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
Forward P/E to Growth Ratio
AXS
0.95
Insurance - Property & Casualty Industry
- Max
- 2.53
- Q3
- 1.90
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
AXS’s Forward PEG Ratio of 0.95 is within the middle range of its peers in the Insurance - Property & Casualty industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
FNF
3.09
Insurance - Specialty Industry
- Max
- 3.02
- Q3
- 2.50
- Median
- 1.72
- Q1
- 1.36
- Min
- 0.01
FNF’s Forward PEG Ratio of 3.09 is exceptionally high for the Insurance - Specialty industry. This suggests its stock price is very high relative to its expected earnings growth, signaling significant overvaluation risk.
Price-to-Sales Ratio
AXS
1.29
Insurance - Property & Casualty Industry
- Max
- 3.76
- Q3
- 2.39
- Median
- 1.80
- Q1
- 1.01
- Min
- 0.50
The P/S Ratio is often not a primary valuation tool in the Insurance - Property & Casualty industry.
FNF
1.45
Insurance - Specialty Industry
- Max
- 6.15
- Q3
- 4.50
- Median
- 2.42
- Q1
- 1.42
- Min
- 0.46
The P/S Ratio is often not a primary valuation tool in the Insurance - Specialty industry.
Price-to-Book Ratio
AXS
1.36
Insurance - Property & Casualty Industry
- Max
- 5.34
- Q3
- 2.95
- Median
- 1.92
- Q1
- 1.31
- Min
- 0.52
AXS’s P/B Ratio of 1.36 is within the conventional range for the Insurance - Property & Casualty industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
FNF
2.01
Insurance - Specialty Industry
- Max
- 3.20
- Q3
- 1.96
- Median
- 1.42
- Q1
- 1.10
- Min
- 0.39
FNF’s P/B Ratio of 2.01 is in the upper tier for the Insurance - Specialty industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | AXS | FNF |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 9.14 | 55.55 |
| Forward PEG Ratio (TTM) | 0.95 | 3.09 |
| Price-to-Sales Ratio (P/S, TTM) | 1.29 | 1.45 |
| Price-to-Book Ratio (P/B, TTM) | 1.36 | 2.01 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 4.39 | 2.54 |
| EV-to-EBITDA (TTM) | 5.95 | 24.18 |
| EV-to-Sales (TTM) | 1.08 | 1.49 |