Table of Contents QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 1-32630 FIDELITY NATIONAL FINANCIAL, INC. _________________________________________________________________________________________________________________________ ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File No. 1-32630 Fidelity National Financial, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) (I.R.S. Employ ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 1-32630 FIDELITY NATIONAL FINANCIAL, INC. ___________________________________________________________________________________________________________________ ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 1-32630 FIDELITY NATIONAL FINANCIAL, INC. ________________________________________________________________________________________________________________________ ...

Table of Contents | Delaware | 16-1725106 | | --- | --- | | (State or other jurisdiction of | (I.R.S. Employer | | incorporation or organization) | Identification Number) | | 601 Riverside Avenue, Jacksonville, Florida | 32204 | | (Address of principal executive offices) | (Zip Code) | (904) 854-8100 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 3 ...

Financial Data and Key Metrics Changes - The company generated adjusted pretax title earnings of $172 million, an 8% decrease from Q1 2018 [11] - Adjusted net earnings were $118 million or $0.43 per diluted share, which was $0.01 better than Q1 2018 despite a 16% decline in direct orders closed [20] - Total revenue exceeded $1.7 billion in Q1, with the title segment contributing all but $59 million [19] - The company ended Q1 with approximately $535 million in available holding company cash [9] Business Line Data and Key Metrics Changes - The title business experienced a 16% decrease in direct orders closed, with purchase closings down 9%, refinance closings down 21%, and commercial closings down 5% [11] - Total commercial revenue was $228 million, reflecting a less than 1% decline compared to Q1 2018, driven by a 5% decrease in closed commercial orders [18] - The adjusted pretax title margin was 11.3%, a 40-basis point decline from the prior year [21] Market Data and Key Metrics Changes - The decline in mortgage rates led to a 16% increase in refinance open order accounts in March compared to March 2018, with a 42% increase in the first three weeks of April [12][17] - The softness in the residential purchase market continued, with purchase orders opened and closed declining by 6% and 9% respectively compared to the prior year [13][16] Company Strategy and Development Direction - The company is focused on the acquisition of Stewart Information Services, believing it will create long-term value for shareholders [6][7] - The company plans to manage personnel costs effectively, having reduced positions while also adding staff in response to increasing volumes [34] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the potential for a stronger residential purchase market due to a strong economy, stable or declining mortgage rates, and increased residential supply [15] - The company anticipates continued strong commercial activity and expects a good margin in the second quarter, despite tough comparisons from the previous year [37] Other Important Information - The board declared a $0.31 cash dividend for Q1 2019, a 3% increase from Q4 2018 [8] - The company has a robust pipeline for potential acquisitions in the title insurance space, although efforts have been toned down pending the Stewart transaction [41] Q&A Session Summary Question: Update on commercial order trends - Management noted that commercial orders are not reported monthly but indicated that the first quarter was the second-best in openings over the past five years, despite a 6% decline [28] Question: Thoughts on the Stewart deal timing and cash accumulation - Management confirmed that they have $535 million in cash available to cover the cash portion of the Stewart acquisition and expect subsidiary dividends to be around $950 million for the year [30] Question: Personnel costs and near-term expenses - Management reported a reduction of about 900 positions year-over-year, resulting in $28 million in savings, while also adding 50 positions in April [34] Question: Capital and acquisition landscape - Management indicated that if the Stewart deal does not happen, they could use the expected cash for share buybacks or dividends, given their low debt-to-cap ratio [39] Question: Claims and provisioning update - Management stated that claims remain low, with a current provision level of 4.5% of title premiums, and they are comfortable with the current reserve levels [56]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) þ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2018 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File No. 1-32630 _________________________________ Fidelity National Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 16-1725106 (State or other jurisdi ...