First American Financials
| FAF Stock | USD 67.22 1.08 1.63% |
First American Balance Sheet Chart
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Debt Equity Ratio | 0.47 | 0.44 |
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| Current Ratio | 37.4 | 35.62 |
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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 |
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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 |
| Instrument | USA Stock View All |
| Exchange | New York Stock Exchange |
| ISIN | US31847R1023 |
| Business Address | 1 First American |
| Sector | Insurance |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.firstam.com |
| Phone | 714 250 3000 |
| Currency | USD - US Dollar |
First American Key Financial Ratios
| Return On Equity | 0.12 | ||||
| Profit Margin | 0.08 % | ||||
| Operating Margin | 0.16 % | ||||
| Price To Sales | 0.92 X | ||||
| Revenue | 7.45 B |
First American Key Balance Sheet Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Total Assets | 16.5B | 19.6B | 16.8B | 14.9B | 17.1B | 12.4B | |
| Other Current Liab | (224M) | (356M) | (932.5M) | (737.5M) | (663.8M) | (630.6M) | |
| Net Debt | 1.2B | 1.1B | (1.5B) | 616.8M | 709.3M | 744.8M | |
| Accounts Payable | 87M | 51M | 63.3M | 66.7M | 76.7M | 54.8M | |
| Cash | 1.2B | 1.2B | 3.7B | 1.8B | 2.1B | 1.3B | |
| Other Assets | 1.1B | 7.4B | 16.8B | 14.9B | 17.1B | 18.0B | |
| Net Receivables | 1.0B | 812M | 585.1M | 436.1M | 501.5M | 497.1M | |
| Good Will | 1.6B | 1.8B | 1.8B | 1.8B | 2.1B | 1.3B | |
| Other Current Assets | 2.4B | (389M) | (4.2B) | (2.2B) | (2.0B) | (1.9B) | |
| Total Liab | 10.7B | 15.0B | 11.9B | 10.0B | 11.5B | 8.7B | |
| Total Current Assets | 2.2B | 10.2B | 3.6B | 2.1B | 2.4B | 2.3B | |
| Intangible Assets | 218M | 194M | 806.2M | 799.1M | 919.0M | 964.9M | |
| Other Liab | 1.3B | 1.5B | 569M | 216M | 248.4M | 236.0M | |
| Long Term Debt | 2.2B | 2.0B | 1.1B | 1.5B | 1.8B | 1.9B | |
| Net Tangible Assets | 3.2B | 3.3B | 4.0B | 2.7B | 3.1B | 2.5B | |
| Retained Earnings | 3.7B | 3.7B | 3.7B | 3.6B | 4.2B | 4.4B | |
| Capital Surpluse | 2.2B | 1.8B | 1.8B | 1.8B | 1.6B | 1.7B | |
| Inventory | (2.6B) | (2.4B) | 8.6B | (4.2B) | (3.8B) | (3.6B) |
First American Key Income Statement Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Interest Expense | 72.4M | 93M | 132.5M | 149.6M | 172.0M | 180.6M | |
| Total Revenue | 9.2B | 7.6B | 6.0B | 6.1B | 7.5B | 6.3B | |
| Gross Profit | 5.6B | 4.3B | 3.7B | 3.8B | 4.3B | 3.9B | |
| Operating Income | 1.6B | 325.7M | 274.4M | 165.4M | 190.2M | 180.7M | |
| Ebit | 1.7B | 418.7M | 406.9M | 315M | 362.3M | 513.4M | |
| Ebitda | 1.9B | 586.2M | 595.4M | 522.4M | 600.8M | 642.0M | |
| Cost Of Revenue | 3.6B | 3.3B | 2.3B | 2.4B | 2.7B | 2.2B | |
| Income Before Tax | 1.6B | 325.7M | 274.4M | 165.4M | 826.2M | 485.0M | |
| Net Income | 1.2B | 263M | 216.8M | 131.1M | 621.8M | 360.6M | |
| Income Tax Expense | 392.2M | 60.4M | 58.9M | 32.8M | 201M | 120.4M | |
| Minority Interest | (8M) | (2M) | 1.3M | (1.5M) | (1.4M) | (1.3M) | |
| Tax Provision | 393M | 61M | 58.9M | 32.8M | 29.5M | 28.0M | |
| Interest Income | 72M | 93M | 545.5M | 537.3M | 617.9M | 648.8M | |
| Net Interest Income | (72M) | (93M) | (132.5M) | (149.6M) | (134.6M) | (127.9M) |
First American Key Cash Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Change In Cash | (47M) | (4M) | 2.4B | (1.9B) | (2.2B) | (2.1B) | |
| Free Cash Flow | 1.1B | 520M | 90.9M | 679.2M | 781.1M | 435.7M | |
| Depreciation | 158M | 167M | 188.5M | 207.4M | 238.5M | 128.4M | |
| Other Non Cash Items | 70M | 622M | 171.8M | 284.5M | 256.1M | 167.1M | |
| Dividends Paid | 213M | 217M | (216.6M) | (220.7M) | (198.6M) | (188.7M) | |
| Capital Expenditures | 161M | 260M | 263.4M | 218.3M | 251.0M | 141.7M | |
| Net Income | 1.2B | 265M | 216.8M | 132.6M | 152.5M | 144.9M | |
| End Period Cash Flow | 1.2B | 1.2B | 3.6B | 1.7B | 2.0B | 1.3B | |
| Investments | (3.2B) | (64M) | 44.9M | (458.7M) | (412.8M) | (392.2M) | |
| Net Borrowings | 636M | (7M) | (69.2M) | 230.3M | 207.3M | 115.5M | |
| Change To Netincome | (28.3M) | (37.6M) | (414M) | 618M | 556.2M | 584.0M | |
| Change Receivables | (27.2M) | (52.9M) | (48M) | 83M | 95.5M | 100.2M |
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 Expense | 132.5M | 149.6M | 172.0M | 180.6M | Depreciation And Amortization | 188.5M | 207.4M | 238.5M | 128.6M |
First American fundamental ratios Correlations
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First American Account Relationship Matchups
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First American fundamental ratios Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Total Assets | 16.5B | 19.6B | 16.8B | 14.9B | 17.1B | 12.4B | |
| Other Current Liab | (224M) | (356M) | (932.5M) | (737.5M) | (663.8M) | (630.6M) | |
| Net Debt | 1.2B | 1.1B | (1.5B) | 616.8M | 709.3M | 744.8M | |
| Accounts Payable | 87M | 51M | 63.3M | 66.7M | 76.7M | 54.8M | |
| Cash | 1.2B | 1.2B | 3.7B | 1.8B | 2.1B | 1.3B | |
| Other Assets | 1.1B | 7.4B | 16.8B | 14.9B | 17.1B | 18.0B | |
| Net Receivables | 1.0B | 812M | 585.1M | 436.1M | 501.5M | 497.1M | |
| Good Will | 1.6B | 1.8B | 1.8B | 1.8B | 2.1B | 1.3B | |
| Other Current Assets | 2.4B | (389M) | (4.2B) | (2.2B) | (2.0B) | (1.9B) | |
| Total Liab | 10.7B | 15.0B | 11.9B | 10.0B | 11.5B | 8.7B | |
| Total Current Assets | 2.2B | 10.2B | 3.6B | 2.1B | 2.4B | 2.3B | |
| Intangible Assets | 218M | 194M | 806.2M | 799.1M | 919.0M | 964.9M | |
| Other Liab | 1.3B | 1.5B | 569M | 216M | 248.4M | 236.0M | |
| Long Term Debt | 2.2B | 2.0B | 1.1B | 1.5B | 1.8B | 1.9B | |
| Net Tangible Assets | 3.2B | 3.3B | 4.0B | 2.7B | 3.1B | 2.5B | |
| Retained Earnings | 3.7B | 3.7B | 3.7B | 3.6B | 4.2B | 4.4B | |
| Capital Surpluse | 2.2B | 1.8B | 1.8B | 1.8B | 1.6B | 1.7B | |
| 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 |
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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.
| Downside Deviation | 1.56 | |||
| Information Ratio | 0.0333 | |||
| Maximum Drawdown | 6.76 | |||
| Value At Risk | (2.51) | |||
| Potential Upside | 2.68 |
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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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