MASHINIi

Fidelity National Financial Inc..

FNF.US | Risk and damage evaluation

Fidelity National Financial, Inc. (FNF) is a leading provider of title insurance and transaction services to the real estate and mortgage industries. The company operates through its title insurance underwriters, which provide title insurance policies, escrow and closing services, and other related ...Show More

Ethical Profile

Mixed.

Fidelity National Financial (FNF) faced a significant cyberattack in November 2023, allegedly impacting 1.3 million customers. Reports suggest the breach, claimed by the ALPHV/BlackCat ransomware group, involved unauthorized access and data exfiltration, compromising sensitive information including names, addresses, Social Security numbers, and loan numbers. The incident caused a week-long system outage, and FNF is providing credit monitoring to affected individuals. Regarding environmental efforts, FNF has reduced Scope 1 and 2 GHG emissions by 24% at its Jacksonville headquarters since 2019, alongside a 63% decrease in corporate waste and a 27% reduction in water consumption at the same location. However, critics point to the limited scope of these reported initiatives, which primarily focus on a single headquarters rather than company-wide operations.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons50
-100100
Planet-Friendly Business-50
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-50
-100100
Zero Waste & Sustainable Products-20
-100100

Better Health for All

0

FNF provides comprehensive mental health programs for its employees and their families.

1
These initiatives include a free premium Calm app subscription, an Employee Assistance Program (EAP) offering free in-person, virtual, or chat therapy sessions, and additional virtual mental health resources for children and adolescents.
2
The company also offers mental health and wellness webinars and hosts educational events such as a Mental Health panel and a panel on Neurodiversity.
3

Fair Money & Economic Opportunity

0

The provided articles do not contain specific, quantitative data points required to assess Fidelity National Financial (FNF) against the defined Key Performance Indicators for Fair Money & Economic Opportunity.

1
explicitly states that the report lacks specific data related to underserved client share, pricing fairness, exploitative fee exposure, inclusion initiatives, data accessibility, fair lending compliance, wealth-building outcomes, profit reinvestment, financial literacy initiatives, debt burden ratio, and geographic inclusion.
2
While FNF filed a lawsuit in May 2025 challenging FinCEN's Residential Real Estate Rule, this action pertains to a legal dispute over regulatory reporting requirements for real estate transfers, not to findings or practices concerning discriminatory or unfair lending, or other fair money metrics.
3

Fair Pay & Worker Respect

0

No evidence available to assess Fidelity National Financial Inc. on Fair Pay & Worker Respect.

Fair Trade & Ethical Sourcing

0

No evidence available to assess Fidelity National Financial Inc. on Fair Trade & Ethical Sourcing.

Honest & Fair Business

0

No specific, quantitative evidence was found in the provided article to assess any of the KPIs for Honest & Fair Business. The article only states it lists various governance documents but does not provide data on regulatory fines, transparency index scores, details of whistleblower or anti-corruption policies, financial restatements, audit coverage, ESG controversy scores, complaint resolution times, board independence, or third-party verification of ethical claims.

1

Kind to Animals

0

Fidelity National Financial, Inc. (FNF) is a service-oriented company primarily involved in title insurance and real estate transaction services.

1
The provided articles do not contain any specific, concrete information or data points related to animal welfare, animal testing, animal-derived products, animal agriculture, or direct measurable wildlife conservation impact. While water consumption reduction at the Jacksonville headquarters was mentioned
2
, this is an environmental impact and does not constitute evidence for the 'wildlife_conservation_impact' KPI as defined by its focus on biodiversity, species recovery, and habitat restoration metrics. Therefore, no KPIs under the "Kind to Animals" value can be scored based on the evidence provided.

No War, No Weapons

50

Fidelity National Financial Inc. (FNF) has evaluated its current lines of business and determined that none of its products contain tin, tungsten, tantalum, or gold, which are defined as conflict minerals.

1
This assessment excludes Remy International, Inc., a previously consolidated subsidiary that FNF no longer owned as of December 31, 2014.
2
This indicates that FNF's current operations are 100% free from conflict minerals.

Planet-Friendly Business

-50

Fidelity National Financial (FNF) reported total Scope 1, 2, and 3 greenhouse gas emissions of 2,042 tCO₂e in 2023

1
, which is considered immaterial for a services provider. The company is not participating in any tracked reduction initiatives
2
, indicating an absence of SBTi-aligned targets. FNF has not declared a net-zero target year, though it aims to halve Scope 1 & 2 emissions intensity from its 2019 baseline by 2030
3
. No environmental compliance violations were reported
4
.

Respect for Cultures & Communities

0

The provided articles do not contain specific, quantitative data points relevant to the defined KPIs for 'Respect for Cultures & Communities'. Information regarding formal partnerships with indigenous or local community groups, percentage of revenue reinvested in local community development, cultural appropriation incidents, cultural impact assessment protocols, local employment ratios, community grievance mechanisms, FPIC participation, community governance inclusion, cultural preservation investment, local procurement, indigenous suppliers, cultural site protection, social license to operate, charitable giving to cultural heritage organizations, community fund allocation, language inclusivity, cultural incident response, or cultural sensitivity training completion is not available in the provided evidence.

Safe & Smart Tech

-50

Fidelity National Financial (FNF) experienced a significant cybersecurity incident on November 19, 2023, where an unauthorized third party accessed systems, deployed malware, and exfiltrated data

1
. This breach impacted approximately 1.3 million customers
2
, with compromised data including names, addresses, Social Security Numbers, and loan numbers
3
. The attack caused operational disruptions, including a week-long outage and delays in mortgage operations
4
. FNF contained the incident by November 26, 2023
5
, and completed its investigation by December 13, 2023
6
. The company notified affected customers, state attorneys general, and regulators
7
, and offered credit monitoring and identity theft restoration services for two years
8
. This incident, along with two other breaches in March and August 2024 affecting 30,000 and 77,000 customers respectively
9
, highlights weaknesses in authentication and suggests insufficient multi-factor authentication
10
. FNF has been named as a defendant in several lawsuits related to the 2023 incident
11
. While FNF's privacy notice, effective January 1, 2026
12
, outlines compliance with legal processes and state-specific privacy laws
13
, and users have choices regarding submitting personal information
14
, the occurrence of these breaches and subsequent legal actions indicate gaps in regulatory compliance.

Zero Waste & Sustainable Products

-20

Fidelity National Financial (FNF) has reported no waste disposal violations, regulatory actions, fines, or compliance issues in its sustainability reports from 2021

1
, 2023
2
, and 2024
3
. The company also reported a 65% decrease in non-recycled waste at its Jacksonville headquarters from 2019 to 2024
4
, with non-recycled waste totaling 42 tons in 2024
5
. However, specific data on waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design principles, hazardous waste management, product durability, repairability, waste audit frequency, zero-waste certification, material efficiency, packaging-to-product_ratio, waste reduction targets, supplier waste requirements, or customer waste education is not provided in the available articles.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.