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Company Analysis

First American Corporation (New FAF

A comprehensive view of key metrics, scores, and financial health for First American Corporation (New

Overview of First American Financial Corporation

FAF NYQ
Financial Services Insurance - Specialty Framework: Insurance & Reinsurance Mid Cap
First American Financial Corporation (FAF), is a Mid Cap company, in the Insurance - Specialty industry, last closed at $66.16, about 18.3% overvalued vs fair value, +8.8% 1Y return, placing in the top 25% of its sector.
Metrics P/E 10.2× Rev Growth 21.6% ROE 12.0% Gross Margin 95.6% Div Yield 3.59%
USD 66.16
3.67%
(Delayed)
• Vol 90d: 32.0%
52-Week Range
Market Cap
$6.75B
Enterprise Value
$7.58B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 98%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.firstam.com
HQ Santa Ana, CA
Employees 19,102
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$30
$54
$101
Current: $66.16 -18% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$7.4B
21.6%%
Claims & Losses
-$326.6M
-86.2%%
Acquisition & Admin Expenses
$2.3B
Underwriting Result
$826.2M
399.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
4.4%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$345.3M
55.5% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating First American Corporation (New's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
45
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Stable Underwriting Performance Through Cycles Underwriting stability score is 0.71, demonstrating consistent risk selection and reserving discipline through market cycles.

Key risks

  • Volatile Capital Returns Signal Cat Exposure Capital adequacy stability is low (score 0.29), indicating elevated catastrophe or reserve cycle exposure.
  • Erratic Investment Income Investment consistency is low (score 0.18), indicating elevated portfolio risk.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Moderate
64
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing FAF's balance between Growth (33.5%), Profitability (29.1%), and Safety (37.4%). Growth 34% Safety 37% Profitability 29%

Click axes to expand details. Marker shows current allocation.

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Growth

57th percentile vs peers
58
Key Signals
Rev Growth YoY 21.6% 76p EPS Growth YoY 3.77 95p Equity Growth YoY 12.0% 46p Revenue CAGR 3Y -0.7% 16p Asset Growth YoY 8.9% 60p
Strengths
  • EPS Growth YoY in top 20% of peers (3.77, 95th percentile)
Risks

No significant risks identified for this axis.

Profitability

50th percentile vs peers
50
Key Signals
Strengths
Risks
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Safety

64th percentile vs peers
65
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First American Corporation (New.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$54.04
- - -
-18.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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