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Market Price

58.05 

0.23 0.4%

as of Aug 20 '19

52 Week Range:

41.96 58.82


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

First American Financial Corporation, through its subsidiaries, provides financial services. It operates through Title Insurance and Services, and Specialty Insurance segments. The Title Insurance and Services segment issues title insurance policies on residential and commercial property, as well as offers related products and services. This segment also provides closing and/or escrow services; products and services involving the use of real property related data to mitigate risk or otherwise facilitate real estate transactions; and appraisals and other valuation-related products and services, lien release and document custodial services, warehouse lending services, default-related products and services, and title evidence services, as well as banking, trust, and wealth management services. In addition, it accommodates tax-deferred exchanges of real estate; and maintains, manages, and provides access to title plant records and images. This segment offers its products through a network of direct operations and agents in 49 states and in the District of Columbia, as well as in Canada, the United Kingdom, Australia, South Korea, and internationally. The Specialty Insurance segment provides property and casualty insurance comprising coverage to residential homeowners and renters for liability losses and typical hazards, such as fire, theft, vandalism, and other types of property damage. It also offers residential service contracts that cover residential systems, such as heating and air conditioning systems, and appliances against failures that occur as the result of normal usage during the coverage period; and auto insurance products. This segment markets its property and casualty insurance products through direct distribution channels, including marketing through its existing closing-service activities, as well as through a network of independent brokers. First American Financial Corporation was founded in 1889 and is headquartered in Santa Ana, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 18.20
19.43
18.96
18.75
21.90
22.40
23.97
24.66
27.49
29.69
32.95
growth rate 6.8% -2.4% -1.1% 16.8% 2.3% 7.0% 2.9% 11.5% 8.0% 11.0%
Earnings BIT -115.92
204.35
212.11
130.29
467.41
310.71
378.71
467.47
518.10
496.72
665.72
growth rate 100.0% 3.8% -38.6% 258.8% -33.5% 21.9% 23.4% 10.8% -4.1% 34.0%
Avg.PE -104.20
12.41
17.30
8.69
16.50
16.29
14.26
12.84
15.13
9.39
growth rate 100.0% 39.4% -49.8% 89.9% -1.3% -12.5% -10.0% 17.8% -37.9%
ROA -1.52
2.19
2.25
1.40
5.26
2.96
3.29
3.62
4.01
4.60
4.70
growth rate 100.0% 2.7% -37.8% 275.7% -43.7% 11.2% 10.0% 10.8% 14.7% 2.2%
ROE -4.40
6.26
6.39
3.91
13.73
7.75
9.27
10.80
11.90
13.04
13.14
growth rate 100.0% 2.1% -38.8% 251.2% -43.6% 19.6% 16.5% 10.2% 9.6% 0.8%
ROIC -3.03
6.07
6.01
3.72
12.51
7.32
8.32
growth rate 100.0% -1.0% -38.1% 236.3% -41.5% 13.7%
Leverage 2.99
2.73
2.94
2.65
2.57
2.66
2.98
2.99
2.94
2.75
2.84
growth rate -8.7% 7.7% -9.9% -3.0% 3.5% 12.0% 0.3% -1.7% -6.5% 3.3%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 379.34
381.22
348.28
282.16
257.80
367.77
349.76
413.00
growth rate 0.5% -8.6% -19.0% -8.6% 42.7% -4.9% 18.1%
Acct.Payable 495.93
511.13
415.37
1,038.04
1,039.68
1,085.13
1,097.39
320.33
growth rate 3.1% -18.7% 149.9% 0.2% 4.4% 1.1% -70.8%
Cur.Assets 1,472.24
1,285.12
1,373.91
1,778.32
1,916.34
growth rate -12.7% 6.9% 29.4% 7.8%
Total Assets 5,720.80
5,530.30
5,821.80
5,362.21
6,050.80
6,520.60
7,666.10
8,236.72
8,831.78
9,573.22
10,630.64
growth rate -3.3% 5.3% -7.9% 12.8% 7.8% 17.6% 7.4% 7.2% 8.4% 11.1%
Cash 723.70
631.30
728.70
418.30
208.90
164.30
1,190.08
1,027.32
1,006.14
1,387.23
1,467.13
growth rate -12.8% 15.4% -42.6% -50.1% -21.4% 624.3% -13.7% -2.1% 37.9% 5.8%
Cur.Liabilities 4,204.83
4,566.56
4,609.67
4,897.26
4,923.43
growth rate 8.6% 0.9% 6.2% 0.5%
Liabilities 3,828.90
3,510.50
3,841.80
3,333.61
3,702.80
4,067.60
5,090.06
5,483.59
5,817.43
6,090.20
6,885.25
growth rate -8.3% 9.4% -13.2% 11.1% 9.9% 25.1% 7.7% 6.1% 4.7% 13.1%
LT Debt 294.00
259.30
293.80
299.98
229.80
310.30
587.34
581.05
736.69
732.81
732.02
growth rate -11.8% 13.3% 2.1% -23.4% 35.0% 89.3% -1.1% 26.8% -0.5% -0.1%
Equity 1,891.80
2,019.80
1,980.00
2,028.60
2,348.10
2,453.00
2,572.92
2,749.96
3,008.18
3,479.96
3,741.88
growth rate 6.8% -2.0% 2.5% 15.8% 4.5% 4.9% 6.9% 9.4% 15.7% 7.5%
Common Shares 104.00
104.00
106.00
107.00
109.00
109.00
109.00
110.00
111.00
112.00
113.00
growth rate 0.0% 1.9% 0.9% 1.9% 0.0% 0.0% 0.9% 0.9% 0.9% 0.9%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 72.60
30.30
79.90
69.80
83.89
87.14
97.22
123.70
132.27
134.21
118.17
growth rate -58.3% 163.7% -12.6% 20.2% 3.9% 11.6% 27.2% 6.9% 1.5% -12.0%
Cash Dividends 21.30
83.00
143.60
25.22
44.71
51.32
89.94
108.52
131.54
159.28
178.49
growth rate 289.7% 73.0% -82.4% 77.3% 14.8% 75.2% 20.7% 21.2% 21.1% 12.1%
Cash From OA 105.20
233.60
155.50
136.67
429.68
378.47
360.64
551.32
489.42
632.13
793.17
growth rate 122.1% -33.4% -12.1% 214.4% -11.9% -4.7% 52.9% -11.2% 29.2% 25.5%
FCF per Share 0.63
0.65
3.19
3.07
1.92
3.85
2.85
5.01
4.80
growth rate 3.2% 390.8% -3.8% -37.5% 100.5% -26.0% 75.8% -4.2%
Sale Purchase of Stock -5.84
8.57
-64.76
3.60
5.04
1.10
2.73
growth rate 100.0% -100.0% 100.0% 40.0% -78.1% 147.5%
FCF 17.00
187.00
67.00
64.00
346.00
291.00
263.00
428.00
357.00
498.00
675.00
growth rate 1,000.0% -64.2% -4.5% 440.6% -15.9% -9.6% 62.7% -16.6% 39.5% 35.5%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 4,367.70
4,046.80
3,906.60
3,820.57
4,541.82
4,956.08
4,677.95
5,175.46
5,575.85
5,772.36
5,747.84
growth rate -7.4% -3.5% -2.2% 18.9% 9.1% -5.6% 10.6% 7.7% 3.5% -0.4%
Op.Income -115.92
204.35
212.11
78.58
301.73
187.06
378.71
467.47
518.10
496.72
665.72
growth rate 100.0% 3.8% -63.0% 284.0% -38.0% 102.5% 23.4% 10.8% -4.1% 34.0%
IBT -115.90
204.30
212.10
130.29
467.41
310.71
350.56
432.77
477.58
445.33
609.54
growth rate 100.0% 3.8% -38.6% 258.7% -33.5% 12.8% 23.5% 10.4% -6.8% 36.9%
Net Income -84.00
122.40
127.80
78.58
301.00
186.40
233.53
288.09
342.99
423.05
474.50
growth rate 100.0% 4.4% -38.5% 283.1% -38.1% 25.3% 23.4% 19.1% 23.3% 12.2%
EPS 0.00
1.18
1.20
0.73
2.77
1.71
2.15
2.62
3.09
3.76
4.19
growth rate 1.7% -39.2% 279.5% -38.3% 25.7% 21.9% 17.9% 21.7% 11.4%
Gross Profit 2,494.12
2,470.89
2,363.46
3,400.44
4,144.10
4,425.72
2,755.86
3,027.64
3,285.67
3,458.60
3,495.38
growth rate -0.9% -4.4% 43.9% 21.9% 6.8% -37.7% 9.9% 8.5% 5.3% 1.1%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 211.97
206.36
145.10
153.61
241.41
growth rate -2.7% -29.7% 5.9% 57.2%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 480.55
498.15
413.00
447.41
568.70
growth rate 3.7% -17.1% 8.3% 27.1%
Acct.Payable 1,778.29
1,838.19
320.33
1,649.37
1,751.03
growth rate 3.4% -82.6% 414.9% 6.2%
Cur.Assets 1,707.06
2,703.47
1,916.34
1,784.46
1,980.66
growth rate 58.4% -29.1% -6.9% 11.0%
Total Assets 9,959.40
11,380.13
10,630.64
11,160.27
11,443.18
growth rate 14.3% -6.6% 5.0% 2.5%
Cash 1,226.51
2,205.32
1,467.13
1,337.05
1,411.97
growth rate 79.8% -33.5% -8.9% 5.6%
Inventory
growth rate
Cur.Liabilities 5,096.78
6,494.24
4,923.43
5,769.17
5,839.97
growth rate 27.4% -24.2% 17.2% 1.2%
Liabilities 6,388.17
7,704.13
6,885.25
7,279.73
7,355.14
growth rate 20.6% -10.6% 5.7% 1.0%
LT Debt 832.56
735.26
732.02
730.95
724.94
growth rate -11.7% -0.4% -0.2% -0.8%
Equity 3,569.52
3,674.22
3,741.88
3,878.03
4,084.89
growth rate 2.9% 1.8% 3.6% 5.3%
Common Shares 0.00 0.00 0.00 0.00 0.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 33.38
31.60
30.85
27.39
26.57
growth rate -5.3% -2.4% -11.2% -3.0%
Cash Dividends 42.39
46.91
46.86
47.02
47.08
growth rate 10.7% -0.1% 0.4% 0.1%
Cash From OA 210.93
230.76
308.30
34.47
266.64
growth rate 9.4% 33.6% -88.8% 673.5%
Sale Purchase of Stock
growth rate
FCF 177.56
199.16
277.45
7.09
240.07
growth rate 12.2% 39.3% -97.5% 3,288.5%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 1,491.16
1,542.19
1,417.11
1,303.58
1,498.62
growth rate 3.4% -8.1% -8.0% 15.0%
Op.Income 211.97
206.36
145.10
153.61
241.41
growth rate -2.7% -29.7% 5.9% 57.2%
IBT 201.97
195.59
118.92
141.67
229.50
growth rate -3.2% -39.2% 19.1% 62.0%
Net Income 155.14
151.48
91.65
109.58
186.66
growth rate -2.4% -39.5% 19.6% 70.3%
EPS
growth rate
Gross Profit 937.99
934.37
842.85
809.26
960.40
growth rate -0.4% -9.8% -4.0% 18.7%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (74.24)

YOY Growth Grade:

D (39.10)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.52 12.93 11.59
EPS / Growth 17.4% 4.49 7.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.3% 11.2% 11.2%
Future PE 11.59 15.48 15.48
Future EPS 9.08 12.94 12.94
Value Price
MOS %
26.01
-55.2%
49.53
-14.7%
49.53
-14.7%
MOS Price 13.00 24.77 24.77
IRT 8.96 7.86 7.86

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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