First American Financials

FAF Stock  USD 61.97  0.16  0.26%   
Based on the analysis of First American's profitability, liquidity, and operating efficiency, First American is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in February. 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 Non Currrent Assets Other is estimated to increase to about 2.1 B, while Short and Long Term Debt Total is projected to decrease to roughly 1.1 B. Key indicators impacting First American's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.180.26
Way Down
Slightly volatile
Current Ratio1.241.31
Notably Down
Pretty Stable
The financial analysis of First American is a critical element in measuring its lifeblood. Investors should not minimize First American's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Cash And Equivalents

1.43 Billion

  
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 Fidelity National, Stewart Information, Old Republic, American Financial, and Reinsurance Group. 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
CUSIP31847R102
LocationCalifornia; U.S.A
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

202020212022202320242025 (projected)
Total Assets12.8B16.5B19.6B16.8B19.3B12.1B
Other Current Liab(272.0M)(224M)(356M)(79.2M)(71.3M)(67.7M)
Net Debt(264.7M)1.2B1.1B(2.2B)(2.5B)(2.4B)
Accounts Payable56.0M87M51M63.3M72.8M53.7M
Cash1.3B1.2B1.2B3.6B4.1B4.4B
Other Assets1.3B1.1B7.4B(1.4B)(1.6B)(1.5B)
Net Receivables1.1B1.0B812M585.1M672.9M503.9M
Good Will1.4B1.6B1.8B1.8B2.1B1.2B
Other Current Assets2.6B2.4B(389M)3.6B4.1B4.4B
Total Liab7.9B10.7B15.0B11.9B13.7B8.6B
Total Current Assets2.4B2.2B10.2B3.6B4.1B2.3B
Intangible Assets194.5M218M194M806.2M927.1M973.5M
Other Liab1.3B1.5B569M216M248.4M236.0M
Long Term Debt1.0B2.2B2.0B1.1B1.3B777.1M
Net Tangible Assets3.2B3.3B4.0B2.7B3.1B2.5B
Retained Earnings2.7B3.7B3.7B3.7B4.3B4.5B
Capital Surpluse2.3B2.2B2.2B1.8B2.1B2.4B
Inventory(2.6B)(2.4B)8.6B(4.2B)(3.8B)(3.6B)

First American Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense57.5M72M93M132.5M152.4M160.0M
Total Revenue7.1B9.2B7.6B938.5M1.1B1.0B
Gross Profit6.0B9.2B5.3B(128.5M)(147.8M)(140.4M)
Operating Income(94.2M)419M326M401.5M461.7M306.2M
Ebit980.7M419M418.7M406.9M467.9M382.1M
Ebitda1.1B577M585.7M595.4M684.7M504.7M
Income Before Tax923.3M1.6B326M274.4M315.6M478.0M
Net Income696M1.2B263M216.8M249.3M354.3M
Income Tax Expense222.8M393M61M58.9M67.7M119.5M
Cost Of Revenue1.1B3.0B2.3B1.1B960.3M1.3B
Minority Interest4.1M(8M)(2M)1.3M1.2M1.3M
Tax Provision222.8M393M61M58.9M67.7M64.3M
Interest Income57.5M72M93M545.5M627.3M658.7M
Net Interest Income(57.5M)(72M)(93M)(132.5M)(119.3M)(113.3M)

First American Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(210.5M)(47M)(4M)2.4B2.7B2.9B
Free Cash Flow970.6M1.1B520M90.9M104.5M99.3M
Depreciation149.0M158M167M188.5M216.8M122.5M
Other Non Cash Items69.0M70M622M171.8M154.6M163.5M
Dividends Paid198.7M213M217M216.6M249.1M139.0M
Capital Expenditures114.1M161M260M263.4M302.9M318.1M
Net Income700.5M1.2B265M216.8M249.3M358.5M
End Period Cash Flow1.3B1.2B1.2B3.6B4.1B4.4B
Investments1.6B(3.2B)(64M)44.9M51.6M54.2M
Net Borrowings(5.6M)278.1M636M(7M)(8.1M)(7.6M)
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 is rated # 5 in return on asset category among its peers reporting about  0.50  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First American is roughly  2.01 . 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.

First American Systematic Risk

First American's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. First American volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on First American correlated with the market. If Beta is less than 0 First American generally moves in the opposite direction as compared to the market. If First American Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one First American is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of First American is generally in the same direction as the market. If Beta > 1 First American moves generally in the same direction as, but more than the movement of the benchmark.
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

(2.19)

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

First American January 18, 2025 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.

Complementary Tools for First Stock analysis

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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