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First American Financial (FAF) investor relations material
First American Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Q3 2025 total revenue reached $2.0 billion, up 41% year-over-year, with adjusted revenue up 14%.
Net income was $190 million ($1.84 per diluted share), reversing a net loss of $104 million ($1.00 loss per share) in Q3 2024.
Adjusted EPS for Q3 was $1.70, up 27% year-over-year, reflecting strong business resilience.
Commercial and refinance transactions led gains, while residential purchase activity remained challenged due to affordability and high mortgage rates.
Strategic investments in data, technology, and AI are expected to drive future growth and productivity.
Financial highlights
Title Insurance and Services segment revenue rose 42% to $1.8 billion; adjusted revenue up 14%.
Commercial revenue increased 29% to $246 million; average revenue per order rose 22%.
Home Warranty segment revenue grew 3% to $115 million, with pretax income up 80% to $16 million.
Net investment gains of $26 million, compared to losses of $312 million in Q3 2024.
Debt-to-capital ratio was 33.0%, or 22.5% excluding secured financings.
Outlook and guidance
Management is optimistic about long-term growth, citing early stages of a new real estate cycle and ongoing investments in technology and AI.
Commercial order momentum remains strong into Q4, with October commercial orders up 14%.
Investment income expected to be modestly down sequentially in Q4 due to rate cuts; 2026 investment income likely to decline year-over-year.
The company anticipates ongoing quarterly dividends at or above the current level, following a 2% increase.
Real estate and mortgage market activity, especially interest rates and inventory levels, will remain key drivers of future performance.
What drove ARPO decline despite commercial growth?
Quantify AI/tech investment impact on productivity.
Home Warranty margin sustainability post-favorable weather?
Expected market share gains from new tech?
M&A strategy given increased opportunities?
2026 investment income drivers and offsets?
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Next First American Financial earnings date
Q4 202512 Feb, 2026
Next First American Financial earnings date
Q4 202512 Feb, 2026
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Frequently asked questions
First American Financial Corporation operates through its family of companies to help people achieve and protect their dream of homeownership. First American was named one of FORTUNE's 100 Best Companies to Work For® in 2016 and 2017. With experience dating back to 1889, First American is a leading provider of title insurance protection and settlement services to the real estate and mortgage industries. Services are offered through nearly 10,000 employees in more than 1,000 branch offices in all 50 states. First American also provides title plant management services; title and other real property records and images; valuation products and services; home warranty products; property and casualty insurance; banking, trust and investment advisory services; pet health insurance; and other related products and services. In 2016, First American had revenues of $4.8 billion.
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