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Fidelity National Financial reported its title insurance segment generated $1.2 billion in pretax income in 2025. This compared to $1.1 billion in pretax income in 2024. Mike Nolan, FNF chief executive officer, attributed the latest results to a focus on innovative technology and investments in operations.
"Our title business delivered outstanding results in the current environment having achieved industry leading adjusted pre-tax title margins, including 17.5% in the fourth quarter of 2025,” he said. “This is a testament to our company's transformation over the past two decades where we have developed pioneering technology and invested in our business, which are driving efficiencies and helping us maintain a competitive edge. This can further be seen in our margin expansion over the last three years as we have significantly outperformed prior cyclical lows. Our title business is performing incredibly well and positioned for the eventual recovery in the housing market back to more normalized levels where we will benefit from scale advantages and the efficiency gains that have driven through our company." Fidelity’s direct operations opened 1,411,000 orders in 2025 and opened 1,310,000 direct orders in 2024. Meanwhile, the company’s direct operations closed 956,000 orders in 2025 and closed 879,000 direct orders in 2024. The total fee per file rose to $4,099 in the fourth quarter of 2025. This compared to $3,909 in the fourth quarter of 2024. Fidelity reported commercial revenue increased 27% to $479 million compared to the fourth quarter of 2024. For the year, Fidelity paid $269 million in claims. This is down from $279 million in claims paid in 2024. During the fourth quarter of 2025, the company paid $80 million in claims versus $75 million in claims paid during the same period in 2024. Over the past year, Fidelity has rolled out AI tools enterprise-wide in 2025, deploying practical tools to enhance productivity and margin efficiency. “We've made significant progress in building AI literacy across the company, and teams are using AI to streamline workflows, increase efficiency and unlock new ways to better serve our customers,” Nolan said. Comments are closed.
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