FNF vs. MET: Fidelity National Financial vs. MetLife Stock Comparison
How do Fidelity National Financial (FNF) and MetLife (MET) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Fidelity National Financial (FNF) and MetLife (MET) both belong to the Insurance industry, though FNF is classified under Property & Casualty Insurance while MET falls under Life & Health Insurance.
| Profile Item | FNF | MET |
|---|---|---|
| Name | Fidelity National Financial, Inc. | MetLife, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Life & Health Insurance |
| Market Capitalization | 11.76 billion USD | 61.76 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 14, 2005 | April 5, 2000 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FNF | MET |
|---|---|---|
| Total Return (1Y) | -16.26% | 38.57% |
| Total Return (3Y, Annualized) | 5.52% | 23.59% |
| Total Return (5Y, Annualized) | 2.84% | 13.62% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FNF | MET |
|---|---|---|
| Volatility (1Y, Annualized) | 27.95% | 24.21% |
| Beta (5Y) | 0.91 | 0.77 |
| Max Drawdown (5Y) | -36.69% | -35.09% |
| Avg. Volume (3M) | 2.46M | 3.05M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FNF | MET |
|---|---|---|
| Sharpe Ratio (1Y) | -0.73 | 1.42 |
| Sortino Ratio (1Y) | -1.00 | 2.10 |
Profitability
ROE (TTM)
Both Fidelity National Financial (FNF) at 15.10% and MetLife (MET) at 19.92% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
FNF
Insurance industry group
15.10%
- Max
- 41.68%
- Q3
- 22.04%
- FNF
- 15.10%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
MET
Insurance industry group
19.92%
- Max
- 41.68%
- Q3
- 22.04%
- MET
- 19.92%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both Fidelity National Financial (FNF) at 7.00% and MetLife (MET) at 6.21% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
FNF
Insurance industry group
7.00%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- FNF
- 7.00%
- Q1
- 6.21%
- Min
- -4.68%
MET
Insurance industry group
6.21%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- MET
- 6.21%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Fidelity National Financial (FNF) in Insurance and MetLife (MET) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | FNF | MET |
|---|---|---|
| ROE (TTM) | 15.10% | 19.92% |
| ROA (TTM) | 1.54% | 0.60% |
| Net Margin (TTM) | 7.00% | 6.21% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Fidelity National Financial (FNF) at 5.88% and MetLife (MET) at 7.88% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Fidelity National Financial (FNF) at -52.47% and MetLife (MET) at -21.04% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.
Growth Metrics
| Metric | FNF | MET |
|---|---|---|
| Revenue Growth (YoY) | 5.88% | 7.88% |
| Revenue Growth (3Y CAGR) | 7.27% | 3.92% |
| EPS Growth (YoY) | -52.47% | -21.04% |
| EPS Growth (3Y CAGR) | -18.62% | 18.50% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Fidelity National Financial (FNF) in Insurance and MetLife (MET) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Fidelity National Financial (FNF) in Insurance and MetLife (MET) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | FNF | MET |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Fidelity National Financial (FNF) at 4.85% delivers top-quartile income for its industry, while MetLife (MET) at 0.57% pays a more typical yield — both are credible income propositions, FNF the richer one.
FNF
Insurance industry group
4.85%
- Max
- 5.12%
- FNF
- 4.85%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
MET
Insurance industry group
0.57%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- MET
- 0.57%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
MetLife (MET) at 30.33% pays out a band-typical share of earnings, while Fidelity National Financial (FNF) at 53.20% distributes more than its industry norm — less retained, thinner cover.
FNF
Insurance industry group
53.20%
- Max
- 76.67%
- FNF
- 53.20%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
MET
Insurance industry group
30.33%
- Max
- 76.67%
- Q3
- 35.18%
- MET
- 30.33%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | FNF | MET |
|---|---|---|
| Dividend Yield (TTM) | 4.85% | 0.57% |
| Dividend Payout Ratio (TTM) | 53.20% | 30.33% |
Valuation
P/E Ratio (TTM)
Both Fidelity National Financial (FNF) at 11.21 and MetLife (MET) at 12.85 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
FNF
Insurance industry group
11.21
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- FNF
- 11.21
- Q1
- 9.08
- Min
- 2.32
MET
Insurance industry group
12.85
- Max
- 28.37
- Q3
- 18.75
- MET
- 12.85
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Both Fidelity National Financial (FNF) at 0.79 and MetLife (MET) at 0.75 fetch a relatively low price per dollar of sales, landing in the cheaper P/S ratio quartile of their industries.
FNF
Insurance industry group
0.79
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- FNF
- 0.79
- Min
- 0.07
MET
Insurance industry group
0.75
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- MET
- 0.75
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Fidelity National Financial (FNF) at 1.59 and MetLife (MET) at 2.79 are valued close to their industries’ norm against book — neither stands out from peers.
FNF
Insurance industry group
1.59
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- FNF
- 1.59
- Q1
- 1.23
- Min
- 0.30
MET
Insurance industry group
2.79
- Max
- 5.07
- Q3
- 2.79
- MET
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | FNF | MET |
|---|---|---|
| P/E Ratio (TTM) | 11.21 | 12.85 |
| P/S Ratio (TTM) | 0.79 | 0.75 |
| P/B Ratio (MRQ) | 1.59 | 2.79 |
| Free Cash Flow Yield (TTM) | -- | -- |