How does Y1F's PE Ratio compare to its peers?

Y1F is expensive based on its Price-To-Earnings Ratio (70.8x) compared to the peer average (16.4x).

How does Y1F's PE Ratio compare vs other companies in the European Insurance Industry?

Y1F is expensive based on its Price-To-Earnings Ratio (70.8x) compared to the European Insurance industry average (12.2x).

What is Y1F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Y1F is expensive based on its Price-To-Earnings Ratio (70.8x) compared to the estimated Fair Price-To-Earnings Ratio (29.6x).

What is the Fair Price of Y1F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Y1F (€60) is trading above our estimate of [[fair value]] (€44.03)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is less than 20% higher than the current share price.

Y1F Stock Overview

Through its subsidiaries, provides financial services. More details

Y1F fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	4/6
Past Performance	1/6
Financial Health	2/6
Dividends	4/6

Rewards

Earnings are forecast to grow 50.16% per year

Risk Analysis

Dividend of 3.38% is not well covered by earnings

Profit margins (1.6%) are lower than last year (3.8%)

My Notes

Capture your thoughts, links and company narrative

First American Financial Corporation Competitors

Talanx

XTRA:TLX

€21.2b

Wüstenrot & Württembergische

XTRA:WUW

€1.2b

Hannover Rück

XTRA:HNR1

€31.3b

NÜRNBERGER Beteiligungs-AG

XTRA:NBG6

€555.3m

Price History & Performance

Summary of share price highs, lows and changes for First American Financial
Historical stock prices
Current Share Price	US$60.00
52 Week High	US$66.00
52 Week Low	US$47.80
Beta	1.35
1 Month Change	1.69%
3 Month Change	3.45%
1 Year Change	9.09%
3 Year Change	-11.11%
5 Year Change	6.19%
Change since IPO	489.97%

Recent updates

Shareholder Returns

	Y1F	DE Insurance	DE Market
7D	2.6%	0.9%	2.0%
1Y	9.1%	27.9%	15.2%

Return vs Industry: Y1F underperformed the German Insurance industry which returned 26.9% over the past year.

Return vs Market: Y1F underperformed the German Market which returned 14.1% over the past year.

Price Volatility

Is Y1F's price volatile compared to industry and market?
Y1F volatility
Y1F Average Weekly Movement	3.8%
Insurance Industry Average Movement	3.1%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.0%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: Y1F has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: Y1F's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1889	19,210	Ken DeGiorgio	www.firstam.com

First American Financial Corporation, through its subsidiaries, provides financial services. It operates through Title Insurance and Services, and Home Warranty segments. The Title Insurance and Services segment issues title insurance policies on residential and commercial property, as well as offers related products and services internationally.

First American Financial Corporation Fundamentals Summary

How do First American Financial's earnings and revenue compare to its market cap?
Y1F fundamental statistics
Market cap	€6.25b
Earnings (TTM)	€89.18m
Revenue (TTM)	€5.64b

70.8x

P/E Ratio

1.1x

P/S Ratio

Is Y1F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
Y1F income statement (TTM)
Revenue	US$5.87b
Cost of Revenue	US$2.26b
Gross Profit	US$3.62b
Other Expenses	US$3.52b
Earnings	US$92.80m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 12, 2025

Earnings per share (EPS)	0.90
Gross Margin	61.58%
Net Profit Margin	1.58%
Debt/Equity Ratio	53.3%

How did Y1F perform over the long term?

See historical performance and comparison

Dividends

3.4%

Current Dividend Yield

239%

Payout Ratio

Does Y1F pay a reliable dividends?

See Y1F dividend history and benchmarks

When do you need to buy Y1F by to receive an upcoming dividend?
First American Financial dividend dates
Ex Dividend Date	Mar 10 2025
Dividend Pay Date	Mar 17 2025
Days until Ex dividend	38 days
Days until Dividend pay date	45 days

Does Y1F pay a reliable dividends?

See Y1F dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/30 10:30
End of Day Share Price	2025/01/30 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

First American Financial Corporation is covered by 12 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Terry Ma	Barclays
Bruce Harting	Barclays
Ryan Gilbert	BTIG

Y1F Stock Overview

Rewards

Risk Analysis

First American Financial Corporation Competitors

XTRA:TLX

€21.2b

XTRA:WUW

€1.2b

XTRA:HNR1

€31.3b

XTRA:NBG6

€555.3m

Price History & Performance

Recent News & Updates

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on March 17, 2025

First American Financial Corporation to Report Q1, 2025 Results on Apr 23, 2025

First American Title Insurance Company and First American Financial Corporation Expands Breadth of AgentNet Services, Introduces Order Insights with Real-Time Fraud Alerts

Third quarter dividend of US$0.54 announced

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on December 16, 2024

First American Financial Corporation Provides Earnings Guidance for the Year 2024

Recent updates

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on March 17, 2025

First American Financial Corporation to Report Q1, 2025 Results on Apr 23, 2025

First American Title Insurance Company and First American Financial Corporation Expands Breadth of AgentNet Services, Introduces Order Insights with Real-Time Fraud Alerts

Third quarter dividend of US$0.54 announced

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on December 16, 2024

First American Financial Corporation Provides Earnings Guidance for the Year 2024

Third quarter 2024 earnings released: US$1.00 loss per share (vs US$0.016 loss in 3Q 2023)

First American Financial Corporation to Report Q4, 2024 Results on Feb 12, 2025

Second quarter dividend of US$0.54 announced

First American Financial Corporation Appoints Deborah L. Wahl to Board of Directors

Second quarter 2024 earnings released: EPS: US$1.11 (vs US$1.33 in 2Q 2023)

First quarter dividend of US$0.53 announced

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on June 17, 2024

First quarter 2024 earnings released: EPS: US$0.45 (vs US$0.44 in 1Q 2023)

First American Financial Corporation, Annual General Meeting, May 21, 2024

Upcoming dividend of US$0.53 per share

Full year 2023 earnings released: EPS: US$2.08 (vs US$2.46 in FY 2022)

Full year 2023 earnings released: EPS: US$2.08 (vs US$2.46 in FY 2022)

Third quarter dividend of US$0.53 announced

First American Financial Corporation to Report Q1, 2024 Results on Apr 25, 2024

ACI Introduces SureStep Mobile, an Advanced Appraisal Data Collection and Order Management Solution

Upcoming dividend of US$0.53 per share at 3.6% yield

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on December 15, 2023

Third quarter 2023 earnings released: US$0.016 loss per share (vs US$0.019 profit in 3Q 2022)

First American Financial Corporation to Report Q4, 2023 Results on Feb 08, 2024

Upcoming dividend of US$0.53 per share at 3.5% yield

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on September 15, 2023

Second quarter 2023 earnings released: EPS: US$1.33 (vs US$1.01 in 2Q 2022)

First American Financial Corporation Appoints Jody Mulkey as Chief Technology Officer

Upcoming dividend of US$0.52 per share at 3.7% yield

First American Financial Corporation Announces FraudGuard Solution Now Helps Reduce Risk in Home Equity Lending, Valuation, and SCRA Compliance

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on June 15, 2023

First quarter 2023 earnings released: EPS: US$0.44 (vs US$0.89 in 1Q 2022)

Upcoming dividend of US$0.52 per share at 3.7% yield

Full year 2022 earnings released: EPS: US$2.46 (vs US$11.18 in FY 2021)

First American Financial Corporation acquired 1031 Solutions, LLC.

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on March 15, 2023

First American Financial Corporation to Report Q1, 2023 Results on Apr 27, 2023

Upcoming dividend of US$0.52 per share

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on December 15, 2022

Third quarter 2022 earnings released: EPS: US$0.019 (vs US$4.01 in 3Q 2021)

First American Financial Corporation to Report Q4, 2022 Results on Feb 09, 2023

Upcoming dividend of US$0.52 per share

First American Financial Corporation Increases Quarterly Cash Dividend, Payable on September 15, 2022

Second quarter 2022 earnings released: EPS: US$1.01 (vs US$2.72 in 2Q 2021)

First American Financial Corporation (NYSE:FAF) announces an Equity Buyback for $400 million worth of its shares.

First American Financial Corporation Announces Resignation of Christopher M. Leavell as Chief Operating Officer

First American Financial Corporation(NYSE:FAF) dropped from Russell 1000 Dynamic Index

Upcoming dividend of US$0.51 per share

Insider recently sold €2.2m worth of stock

First American Financial Corporation Appoints Marsha A. Spence to Board of Directors

First American Financial Corporation Declares Quarterly Cash Dividend, Payable on June 15, 2022

First American Financial Corporation (NYSE : FAF) completed the acquisition of Mother Lode Holding Company.

First quarter 2022 earnings released: EPS: US$0.89 (vs US$2.10 in 1Q 2021)

Insufficient new directors

First American Financial Corporation, Annual General Meeting, May 10, 2022

Upcoming dividend of US$0.51 per share

Full year 2021 earnings: EPS in line with analyst expectations despite revenue beat

First American Financial Corporation Announces Board Appointments