Fidelity National Financial, Inc. (FNF)

Title insurer and annuity writer, 24,535 FTE. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 26, 2026. Ranked 12 of the 37 Financial Services companies read so far, by the share within reach now.

A title insurer whose filing counts its three segments and its U.S. employees, so the carrier and agency work are split by description within the counted Title segment.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 39% now, 57% at the end of 2027, 65% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 28% people work and 4% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 57% becomes checking a model's work and 7% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

24,535 employees as of December 26, 2025 (full-time equivalent). 18,764 U.S.-based employees of 24,535, as the filing states.

The filing: “As of December 26, 2025, we employed 24,535 full-time equivalent employees, including 22,790 in our Title segment, 1,171 in our F&G segment, and 574 in our Corporate and other segment.”

The workforce as industry patterns

What the filing says about the workforce: 24,535 full-time equivalent employees as of December 26, 2025: 22,790 in the Title segment, 1,171 in F&G and 574 in Corporate and other; 18,764 U.S.-based; none under collective bargaining agreements; title staffing adjusted to real estate activity.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Insurance Carriers, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• UnitedHealth Group (UNH, 390,000 employees)33% now, 54% by 2028
• Elevance Health (ELV, 97,100 employees)36% now, 62% by 2028
• The Progressive Corporation (PGR, 70,000 employees)39% now, 68% by 2028
• Cigna Corporation (CI, 67,700 employees)37% now, 60% by 2028
• Humana Inc. (HUM, 67,060 employees)34% now, 54% by 2028
• Centene Corp. (CNC, 61,100 employees)39% now, 68% by 2028
• The Allstate Corporation (ALL, 53,000 employees)39% now, 68% by 2028
• MetLife, Inc. (MET, 46,000 employees)39% now, 68% by 2028

What the filing says about AI

10 sentences in the filing name AI. The filing names AI 10 times, in training on safe and responsible AI use and as a technology insurers may use in selling, with bias and data risks.

• “FNF offers a variety of training and educational opportunities for employees including, but not limited to, training on escrow policies and procedures, advanced escrow processing and practices, title loss reduction, title underwriting, advanced title practices and procedures, fraud prevention, data privacy, safe and responsible AI usage, as well as leadership effectiveness, software, soft skill...”
• “New artificial intelligence algorithms and predictive models may be used by insurance companies in selling insurance products to consumers.”
• “However, the use of new artificial intelligence models may make insurance companies more susceptible to potential bias, discrimination and data breaches.”
• “The use of artificial intelligence and machine learning technologies, including generative artificial intelligence, has increased rapidly with increasing complexity and changes in the nature of the technology.”
• “Our potential uses of generative artificial intelligence may be subject to various risks including flaws or limitations in the large language models or training datasets that may result in biased or inaccurate results, ethical considerations, and the ability to safely deploy and implement governance and controls for such systems.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20238median 1
• Fiscal 20249median 4
• Fiscal 202510median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The split of the Title segment between the carrier and its direct title and escrow offices is by description (c); the filing counts the segment, not the two kinds of work.
• The headcount is a full-time equivalent count, recorded as such.

Source: the company's annual report on EDGAR, accession 0001331875-26-000026, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.