First American Financials

FAF Stock  USD 67.22  1.08  1.63%   
Based on the analysis of First American's profitability, liquidity, and operating efficiency, First American may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At this time, First American's Non Current Assets Total are most likely to increase significantly in the upcoming years. The First American's current Other Assets is estimated to increase to about 18 B, while Other Current Liabilities is forecasted to increase to (630.6 M).
 
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First American Balance Sheet Chart

At this time, First American's Non Current Assets Total are most likely to increase significantly in the upcoming years. The First American's current Other Assets is estimated to increase to about 18 B, while Other Current Liabilities is forecasted to increase to (630.6 M).
Key indicators impacting First American's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.470.44
Notably Up
Slightly volatile
Current Ratio37.435.62
Sufficiently Up
Slightly volatile
The financial analysis of First American is a critical element in measuring its lifeblood. Investors should carefully consider First American's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Cash And Equivalents

1.76 Billion

  
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Understanding current and past First American Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First American's financial statements are interrelated, with each one affecting the others. For example, an increase in First American's assets may result in an increase in income on the income statement.

First American Stock Summary

First American competes with Essent, MGIC Investment, Enact Holdings, RLI Corp, and Radian. First American Financial Corporation, through its subsidiaries, provides financial services. First American Financial Corporation was founded in 1889 and is headquartered in Santa Ana, California. First American operates under InsuranceSpecialty classification in the United States and is traded on New York Stock Exchange. It employs 22233 people.
Foreign Associate
  Philippines
Specialization
Financial Services, Insurance - Specialty
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS31847R1023
Business Address1 First American
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.firstam.com
Phone714 250 3000
CurrencyUSD - US Dollar

First American Key Financial Ratios

First American Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets16.5B19.6B16.8B14.9B17.1B12.4B
Other Current Liab(224M)(356M)(932.5M)(737.5M)(663.8M)(630.6M)
Net Debt1.2B1.1B(1.5B)616.8M709.3M744.8M
Accounts Payable87M51M63.3M66.7M76.7M54.8M
Cash1.2B1.2B3.7B1.8B2.1B1.3B
Other Assets1.1B7.4B16.8B14.9B17.1B18.0B
Net Receivables1.0B812M585.1M436.1M501.5M497.1M
Good Will1.6B1.8B1.8B1.8B2.1B1.3B
Other Current Assets2.4B(389M)(4.2B)(2.2B)(2.0B)(1.9B)
Total Liab10.7B15.0B11.9B10.0B11.5B8.7B
Total Current Assets2.2B10.2B3.6B2.1B2.4B2.3B
Intangible Assets218M194M806.2M799.1M919.0M964.9M
Other Liab1.3B1.5B569M216M248.4M236.0M
Long Term Debt2.2B2.0B1.1B1.5B1.8B1.9B
Net Tangible Assets3.2B3.3B4.0B2.7B3.1B2.5B
Retained Earnings3.7B3.7B3.7B3.6B4.2B4.4B
Capital Surpluse2.2B1.8B1.8B1.8B1.6B1.7B
Inventory(2.6B)(2.4B)8.6B(4.2B)(3.8B)(3.6B)

First American Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense72.4M93M132.5M149.6M172.0M180.6M
Total Revenue9.2B7.6B6.0B6.1B7.5B6.3B
Gross Profit5.6B4.3B3.7B3.8B4.3B3.9B
Operating Income1.6B325.7M274.4M165.4M190.2M180.7M
Ebit1.7B418.7M406.9M315M362.3M513.4M
Ebitda1.9B586.2M595.4M522.4M600.8M642.0M
Cost Of Revenue3.6B3.3B2.3B2.4B2.7B2.2B
Income Before Tax1.6B325.7M274.4M165.4M826.2M485.0M
Net Income1.2B263M216.8M131.1M621.8M360.6M
Income Tax Expense392.2M60.4M58.9M32.8M201M120.4M
Minority Interest(8M)(2M)1.3M(1.5M)(1.4M)(1.3M)
Tax Provision393M61M58.9M32.8M29.5M28.0M
Interest Income72M93M545.5M537.3M617.9M648.8M
Net Interest Income(72M)(93M)(132.5M)(149.6M)(134.6M)(127.9M)

First American Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash(47M)(4M)2.4B(1.9B)(2.2B)(2.1B)
Free Cash Flow1.1B520M90.9M679.2M781.1M435.7M
Depreciation158M167M188.5M207.4M238.5M128.4M
Other Non Cash Items70M622M171.8M284.5M256.1M167.1M
Dividends Paid213M217M(216.6M)(220.7M)(198.6M)(188.7M)
Capital Expenditures161M260M263.4M218.3M251.0M141.7M
Net Income1.2B265M216.8M132.6M152.5M144.9M
End Period Cash Flow1.2B1.2B3.6B1.7B2.0B1.3B
Investments(3.2B)(64M)44.9M(458.7M)(412.8M)(392.2M)
Net Borrowings636M(7M)(69.2M)230.3M207.3M115.5M
Change To Netincome(28.3M)(37.6M)(414M)618M556.2M584.0M
Change Receivables(27.2M)(52.9M)(48M)83M95.5M100.2M

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First American's current stock value. Our valuation model uses many indicators to compare First American value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First American competition to find correlations between indicators driving First American's intrinsic value. More Info.
First American is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.24  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First American is roughly  4.19 . At this time, First American's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value First American by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Most indicators from First American's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into First American current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First American. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in nation.
For more detail on how to invest in First Stock please use our How to Invest in First American guide.At this time, First American's Enterprise Value Over EBITDA is most likely to increase in the upcoming years. The First American's current Enterprise Value Multiple is estimated to increase to 16.31, while Selling General Administrative is projected to decrease to roughly 1.9 B.
 2023 2024 2025 2026 (projected)
Interest Expense132.5M149.6M172.0M180.6M
Depreciation And Amortization188.5M207.4M238.5M128.6M

First American fundamental ratios Correlations

0.79-0.640.320.890.810.60.410.50.630.51-0.390.390.630.610.850.060.40.4-0.22-0.30.980.820.660.45-0.06
0.79-0.560.220.880.850.480.650.610.540.53-0.520.510.540.680.870.110.20.38-0.19-0.590.70.820.490.76-0.14
-0.64-0.56-0.27-0.56-0.55-0.5-0.09-0.5-0.61-0.360.41-0.47-0.61-0.34-0.55-0.08-0.05-0.360.270.31-0.63-0.54-0.3-0.480.08
0.320.22-0.270.320.370.02-0.450.20.790.69-0.210.220.790.280.33-0.19-0.010.96-0.32-0.10.30.340.160.26-0.01
0.890.88-0.560.320.890.630.510.650.610.67-0.30.30.610.770.910.00.160.42-0.05-0.330.780.940.450.560.09
0.810.85-0.550.370.890.360.440.60.720.51-0.580.50.720.580.97-0.320.260.51-0.24-0.620.710.950.530.73-0.11
0.60.48-0.50.020.630.360.140.390.280.410.130.110.280.540.370.52-0.160.040.110.210.550.520.060.160.49
0.410.65-0.09-0.450.510.440.140.35-0.210.02-0.220.09-0.210.450.490.090.35-0.330.22-0.40.350.460.410.33-0.15
0.50.61-0.50.20.650.60.390.350.420.48-0.210.170.420.490.58-0.08-0.060.290.0-0.20.40.650.140.41-0.08
0.630.54-0.610.790.610.720.28-0.210.420.61-0.560.621.00.250.69-0.24-0.040.89-0.59-0.440.590.610.250.66-0.2
0.510.53-0.360.690.670.510.410.020.480.610.14-0.040.610.70.460.17-0.140.670.110.050.410.610.110.290.3
-0.39-0.520.41-0.21-0.3-0.580.13-0.22-0.21-0.560.14-0.88-0.560.1-0.620.37-0.28-0.410.780.88-0.41-0.33-0.42-0.780.7
0.390.51-0.470.220.30.50.110.090.170.62-0.04-0.880.62-0.20.53-0.1-0.080.44-0.83-0.760.40.270.130.84-0.57
0.630.54-0.610.790.610.720.28-0.210.421.00.61-0.560.620.250.69-0.24-0.040.89-0.59-0.440.590.610.250.66-0.2
0.610.68-0.340.280.770.580.540.450.490.250.70.1-0.20.250.570.220.310.240.42-0.010.50.750.490.170.45
0.850.87-0.550.330.910.970.370.490.580.690.46-0.620.530.690.57-0.290.310.48-0.34-0.640.760.890.580.73-0.24
0.060.11-0.08-0.190.0-0.320.520.09-0.08-0.240.170.37-0.1-0.240.22-0.29-0.16-0.220.250.380.09-0.17-0.12-0.130.39
0.40.2-0.05-0.010.160.26-0.160.35-0.06-0.04-0.14-0.28-0.08-0.040.310.31-0.16-0.060.03-0.240.480.240.94-0.11-0.19
0.40.38-0.360.960.420.510.04-0.330.290.890.67-0.410.440.890.240.48-0.22-0.06-0.5-0.320.370.410.160.5-0.18
-0.22-0.190.27-0.32-0.05-0.240.110.220.0-0.590.110.78-0.83-0.590.42-0.340.250.03-0.50.58-0.270.03-0.1-0.590.75
-0.3-0.590.31-0.1-0.33-0.620.21-0.4-0.2-0.440.050.88-0.76-0.44-0.01-0.640.38-0.24-0.320.58-0.27-0.39-0.38-0.860.63
0.980.7-0.630.30.780.710.550.350.40.590.41-0.410.40.590.50.760.090.480.37-0.27-0.270.720.710.37-0.12
0.820.82-0.540.340.940.950.520.460.650.610.61-0.330.270.610.750.89-0.170.240.410.03-0.390.720.510.550.16
0.660.49-0.30.160.450.530.060.410.140.250.11-0.420.130.250.490.58-0.120.940.16-0.1-0.380.710.510.16-0.19
0.450.76-0.480.260.560.730.160.330.410.660.29-0.780.840.660.170.73-0.13-0.110.5-0.59-0.860.370.550.16-0.42
-0.06-0.140.08-0.010.09-0.110.49-0.15-0.08-0.20.30.7-0.57-0.20.45-0.240.39-0.19-0.180.750.63-0.120.16-0.19-0.42
Click cells to compare fundamentals

First American Account Relationship Matchups

First American fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets16.5B19.6B16.8B14.9B17.1B12.4B
Other Current Liab(224M)(356M)(932.5M)(737.5M)(663.8M)(630.6M)
Net Debt1.2B1.1B(1.5B)616.8M709.3M744.8M
Accounts Payable87M51M63.3M66.7M76.7M54.8M
Cash1.2B1.2B3.7B1.8B2.1B1.3B
Other Assets1.1B7.4B16.8B14.9B17.1B18.0B
Net Receivables1.0B812M585.1M436.1M501.5M497.1M
Good Will1.6B1.8B1.8B1.8B2.1B1.3B
Other Current Assets2.4B(389M)(4.2B)(2.2B)(2.0B)(1.9B)
Total Liab10.7B15.0B11.9B10.0B11.5B8.7B
Total Current Assets2.2B10.2B3.6B2.1B2.4B2.3B
Intangible Assets218M194M806.2M799.1M919.0M964.9M
Other Liab1.3B1.5B569M216M248.4M236.0M
Long Term Debt2.2B2.0B1.1B1.5B1.8B1.9B
Net Tangible Assets3.2B3.3B4.0B2.7B3.1B2.5B
Retained Earnings3.7B3.7B3.7B3.6B4.2B4.4B
Capital Surpluse2.2B1.8B1.8B1.8B1.6B1.7B
Inventory(2.6B)(2.4B)8.6B(4.2B)(3.8B)(3.6B)
Today, most investors in First American Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First American's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First American growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0284

At this time, First American's Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.

First American February 14, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First American help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First American. We use our internally-developed statistical techniques to arrive at the intrinsic value of First American based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First American's daily price indicators and compare them against related drivers.

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When running First American's price analysis, check to measure First American's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First American is operating at the current time. Most of First American's value examination focuses on studying past and present price action to predict the probability of First American's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First American's price. Additionally, you may evaluate how the addition of First American to your portfolios can decrease your overall portfolio volatility.
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