FIRST AMERICAN FINANCIAL CORP, 10-K filed on 2/18/2026
Annual Report
v3.25.4
Document and Entity Information - USD ($)
shares in Millions
12 Months Ended
Dec. 31, 2025
Feb. 09, 2026
Jun. 30, 2025
Cover [Abstract]      
Document Type 10-K    
Amendment Flag false    
Document Period End Date Dec. 31, 2025    
Document Fiscal Year Focus 2025    
Document Fiscal Period Focus FY    
Entity Registrant Name FIRST AMERICAN FINANCIAL CORPORATION    
Trading Symbol FAF    
Entity Central Index Key 0001472787    
Entity Current Reporting Status Yes    
Entity Voluntary Filers No    
Entity Interactive Data Current Yes    
Current Fiscal Year End Date --12-31    
Entity Filer Category Large Accelerated Filer    
Entity Well-known Seasoned Issuer Yes    
Entity Public Float     $ 6,056,068,344
Entity Common Stock, Shares Outstanding   101.9  
ICFR Auditor Attestation Flag true    
Document Financial Statement Error Correction [Flag] false    
Entity Shell Company false    
Entity Small Business false    
Entity Emerging Growth Company false    
Title of 12(b) Security Common stock, $0.00001 par value    
Security Exchange Name NYSE    
Entity File Number 001-34580    
Entity Incorporation, State or Country Code DE    
Entity Tax Identification Number 26-1911571    
Entity Address, Address Line One 1 First American Way    
Entity Address, City or Town Santa Ana    
Entity Address, State or Province CA    
Entity Address, Postal Zip Code 92707-5913    
City Area Code (714)    
Local Phone Number 250-3000    
Document Annual Report true    
Document Transition Report false    
Documents Incorporated by Reference Portions of the registrant’s definitive proxy statement with respect to the 2026 annual meeting of the stockholders are incorporated by reference in Part III of this report. The definitive proxy statement or an amendment to this Form 10-K will be filed no later than 120 days after the close of registrant’s fiscal year.    
Auditor Name PricewaterhouseCoopers LLP    
Auditor Location Los Angeles, California    
Auditor Firm ID 238    
Auditor Opinion

Opinions on the Financial Statements and Internal Control over Financial Reporting

 

We have audited the accompanying consolidated balance sheets of First American Financial Corporation and its subsidiaries (the “Company”) as of December 31, 2025 and 2024, and the related consolidated statements of income, of comprehensive income, of equity and of cash flows for each of the three years in the period ended December 31, 2025, including the related notes and financial statement schedules listed in the accompanying index (collectively referred to as the “consolidated financial statements”). We also have audited the Company's internal control over financial reporting as of December 31, 2025, based on criteria established in Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).

 

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of the Company as of December 31, 2025 and 2024, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2025 in conformity with accounting principles generally accepted in the United States of America. Also in our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2025, based on criteria established in Internal Control - Integrated Framework (2013) issued by the COSO.

   
v3.25.4
Consolidated Balance Sheets - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
ASSETS    
Cash and cash equivalents $ 1,387.3 $ 1,718.1
Accounts and accrued income receivable, less allowances for credit losses of $23.9 and $21.5 432.6 374.8
Income taxes receivable 65.0 61.3
Investments:    
Deposits with banks 78.5 85.4
Debt securities (amortized cost of $8,656.7 and $7,730.9; pledged of $170.3 and $92.4) 8,466.7 7,265.9
Equity securities 849.1 691.3
Investments, Total 9,394.3 8,042.6
Secured financings receivable 986.1 690.0
Property and equipment, net 682.3 745.1
Operating lease assets 205.7 214.7
Title plants and other indexes 686.7 673.9
Deferred income taxes 9.4 43.8
Goodwill 1,819.3 1,804.3
Other intangible assets, net 100.0 125.2
Other assets 460.1 414.8
Total assets 16,228.8 14,908.6
LIABILITIES AND EQUITY    
Deposits 5,292.7 5,048.1
Accounts payable and accrued liabilities:    
Accounts payable 47.7 66.7
Personnel costs 317.6 278.1
Pension costs and other retirement plans 444.5 425.2
Other 192.9 173.3
Accounts payable and accrued liabilities 1,002.7 943.3
Deferred revenue 214.0 210.4
Reserve for known and incurred but not reported claims 1,169.6 1,193.4
Income taxes payable 42.7 27.0
Deferred income taxes 312.7 139.1
Operating lease liabilities 218.2 229.9
Secured financings payable 906.5 643.8
Notes and contracts payable 1,545.4 1,546.6
Total liabilities 10,704.5 9,981.6
Commitments and contingencies (Note 21)
Stockholders’ equity:    
Preferred stock, $0.00001 par value; Authorized—0.5 shares; Outstanding—none 0.0 0.0
Common stock, $0.00001 par value; Authorized-300.0 shares; Outstanding-102.0 shares and 103.0 shares 0.0 0.0
Additional paid-in capital 1,744.4 1,787.6
Retained earnings 4,011.8 3,617.3
Accumulated other comprehensive loss (256.7) (496.4)
Total stockholders’ equity 5,499.5 4,908.5
Noncontrolling interests 24.8 18.5
Total equity 5,524.3 4,927.0
Total liabilities and equity $ 16,228.8 $ 14,908.6
v3.25.4
Consolidated Balance Sheets (Parenthetical) - USD ($)
shares in Millions, $ in Millions
Dec. 31, 2025
Dec. 31, 2024
Statement of Financial Position [Abstract]    
Accounts and accrued income receivable, allowances $ 23.9 $ 21.5
Pledged securities included in debt securities 170.3 92.4
Debt securities, amortized cost $ 8,656.7 $ 7,730.9
Preferred stock, par value $ 0.00001 $ 0.00001
Preferred stock, shares authorized 0.5 0.5
Preferred stock, outstanding 0.0 0.0
Common stock, par value $ 0.00001 $ 0.00001
Common stock, shares authorized 300.0 300.0
Common stock, shares outstanding 102.0 103.0
Common stock shares issued not disclosed true  
v3.25.4
Consolidated Statements of Income - USD ($)
shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Revenues:      
Direct premiums and escrow fees $ 2,762.7 $ 2,446.0 $ 2,252.1
Agent premiums 2,959.4 2,561.9 2,449.3
Information and other 1,088.2 960.8 938.5
Net investment income 621.0 561.0 570.0
Net investment gains (losses) (realized of $(11.4), $(335.1), $(80.9)) 20.9 (401.6) (206.4)
Total revenues 7,452.2 6,128.1 6,003.5
Expenses:      
Personnel costs 2,260.0 2,059.4 1,989.1
Premiums retained by agents 2,374.0 2,044.6 1,952.2
Other operating expenses 1,210.6 1,113.4 1,067.0
Provision for policy losses and other claims 326.6 320.0 336.3
Depreciation and amortization 216.2 207.4 188.5
Premium taxes 81.6 68.3 63.5
Interest 157.0 149.6 132.5
Total expenses 6,626.0 5,962.7 5,729.1
Income before income taxes 826.2 165.4 274.4
Income taxes 201.0 32.8 58.9
Net income 625.2 132.6 215.5
Less: Net income (loss) attributable to noncontrolling interests 3.4 1.5 (1.3)
Net income attributable to the Company $ 621.8 $ 131.1 $ 216.8
Net income per share attributable to the Company’s stockholders:      
Basic $ 6.02 $ 1.26 $ 2.08
Diluted 6 1.26 2.07
Cash dividends per share $ 2.18 $ 2.14 $ 2.1
Weighted-average common shares outstanding:      
Basic 103.3 103.9 104.3
Diluted 103.7 104.3 104.6
v3.25.4
Consolidated Statements of Income (Parenthetical) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Income Statement [Abstract]      
Realized (losses) gains of net investment $ (11.4) $ (335.1) $ (80.9)
v3.25.4
Consolidated Statements of Comprehensive Income - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Statement of Comprehensive Income [Abstract]      
Net income $ 625.2 $ 132.6 $ 215.5
Other comprehensive income (loss), net of tax:      
Change in unrealized losses on debt securities 206.1 199.9 198.0
Change in foreign currency translation adjustment 34.7 (46.1) 17.2
Change in pension benefit adjustment (1.1) 5.6 (2.1)
Total other comprehensive income, net of tax 239.7 159.4 213.1
Comprehensive income 864.9 292.0 428.6
Less: Comprehensive income (loss) attributable to noncontrolling interests 3.4 1.5 (1.3)
Comprehensive income attributable to the Company $ 861.5 $ 290.5 $ 429.9
v3.25.4
Consolidated Statements of Equity - USD ($)
shares in Millions, $ in Millions
Total
Common Stock
Additional Paid-in Capital
Retained Earnings
Accumulated Other Comprehensive Income (Loss)
Total stockholders' equity
Noncontrolling Interests
Balance at Dec. 31, 2022 $ 4,681.2 $ 0.0 $ 1,812.4 $ 3,714.3 $ (868.9) $ 4,657.8 $ 23.4
Balance, Shares at Dec. 31, 2022   103.2          
Net income 215.5 $ 0.0 0.0 216.8 0.0 216.8 (1.3)
Dividends on common shares (216.6) 0.0 0.0 (216.6) 0.0 (216.6) 0.0
Repurchases of Company shares (72.8) $ 0.0 (72.8) 0.0 0.0 (72.8) 0.0
Repurchases of Company shares, shares   (1.3)          
Shares issued in connection with share-based compensation 0.4 $ 0.0 4.3 (3.9) 0.0 0.4 0.0
Shares issued in connection with share-based compensation, shares   1.2          
Share-based compensation 49.1 $ 0.0 49.1 0.0 0.0 49.1 0.0
Net activity related to noncontrolling interests (7.1) 0.0 0.3 0.0 0.0 0.3 (7.4)
Other comprehensive income (loss) 213.1 0.0 0.0 0.0 213.1 213.1 0.0
Balance at Dec. 31, 2023 4,862.8 $ 0.0 1,793.3 3,710.6 (655.8) 4,848.1 14.7
Balance, Shares at Dec. 31, 2023   103.1          
Net income 132.6 $ 0.0 0.0 131.1 0.0 131.1 1.5
Dividends on common shares (220.7) 0.0 0.0 (220.7) 0.0 (220.7) 0.0
Repurchases of Company shares (68.5) $ 0.0 (68.5) 0.0 0.0 (68.5) 0.0
Repurchases of Company shares, shares   (1.2)          
Shares issued in connection with share-based compensation 6.9 $ 0.0 10.6 (3.7) 0.0 6.9 0.0
Shares issued in connection with share-based compensation, shares   1.1          
Share-based compensation 52.0 $ 0.0 52.0 0.0 0.0 52.0 0.0
Net activity related to noncontrolling interests 2.5 0.0 0.2 0.0 0.0 0.2 2.3
Other comprehensive income (loss) 159.4 0.0 0.0 0.0 159.4 159.4 0.0
Balance at Dec. 31, 2024 $ 4,927.0 $ 0.0 1,787.6 3,617.3 (496.4) 4,908.5 18.5
Balance, Shares at Dec. 31, 2024 103.0 103.0          
Net income $ 625.2 $ 0.0 0.0 621.8 0.0 621.8 3.4
Dividends on common shares (223.0) 0.0 0.0 (223.0) 0.0 (223.0) 0.0
Repurchases of Company shares (122.9) $ 0.0 (122.9) 0.0 0.0 (122.9) 0.0
Repurchases of Company shares, shares   (2.1)          
Shares issued in connection with share-based compensation 7.0 $ 0.0 11.3 (4.3) 0.0 7.0 0.0
Shares issued in connection with share-based compensation, shares   1.1          
Share-based compensation 68.4 $ 0.0 68.4 0.0 0.0 68.4 0.0
Net activity related to noncontrolling interests 2.9 0.0 0.0 0.0 0.0 0.0 2.9
Other comprehensive income (loss) 239.7 0.0 0.0 0.0 239.7 239.7 0.0
Balance at Dec. 31, 2025 $ 5,524.3 $ 0.0 $ 1,744.4 $ 4,011.8 $ (256.7) $ 5,499.5 $ 24.8
Balance, Shares at Dec. 31, 2025 102.0 102.0          
v3.25.4
Consolidated Statements of Cash Flows - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:      
Net income $ 625.2 $ 132.6 $ 215.5
Adjustments to reconcile net income to cash provided by operating activities:      
Provision for policy losses and other claims 326.6 320.0 336.3
Depreciation and amortization 216.2 207.4 188.5
Amortization of premiums and accretion of discounts on debt securities, net (45.2) (3.0) 8.6
Net investment losses (20.9) 401.6 206.4
Share-based compensation 68.4 52.0 49.1
Equity in earnings of affiliates, net (7.2) (7.4) (5.4)
Dividends from equity method investments 9.9 6.4 6.5
Changes in assets and liabilities excluding effects of acquisitions and noncash transactions:      
Claims paid, including assets acquired, net of recoveries (358.4) (397.8) (381.8)
Net change in income tax accounts 149.6 35.2 (60.8)
(Increase) decrease in accounts and accrued income receivable (57.4) 126.2 (159.1)
Increase (decrease) in accounts payable and accrued liabilities 74.8 45.9 (51.9)
Increase (decrease) in deferred revenue 3.3 13.7 (0.1)
Other, net (34.1) (35.3) 2.5
Cash provided by operating activities 950.8 897.5 354.3
CASH FLOWS FROM INVESTING ACTIVITIES:      
Acquisitions/dispositions, net of cash acquired/divested (2.5) (16.4) (24.7)
Net decrease (increase) in deposits with banks 9.5 (35.0) 7.9
Purchases of debt securities (2,857.9) (6,298.8) (1,287.8)
Proceeds from sales of debt securities 1,263.3 5,462.9 1,676.9
Proceeds from maturities of debt securities 688.4 675.5 812.3
Purchases of equity securities (115.2) (44.7) (170.7)
Proceeds from sales of equity securities 50.8 69.1 71.0
Net change in other investments (11.3) (7.6) (11.6)
Advances under secured financing agreements (45,342.1) (29,164.2) (13,309.9)
Collections of secured financings receivable 45,046.0 29,114.2 13,097.2
Capital expenditures (188.3) (218.3) (263.4)
Proceeds from sales of property and equipment 0.6 0.6 0.1
Proceeds from insurance settlement 2.8 4.0 2.2
Cash (used for) provided by investing activities (1,455.9) (458.7) 599.5
CASH FLOWS FROM FINANCING ACTIVITIES:      
Net change in deposits 244.6 (2,259.9) 1,788.3
Borrowings under secured financing agreements 44,061.6 28,408.3 13,383.7
Repayments of secured financings payable (43,799.8) (28,317.8) (13,196.7)
Net proceeds from issuance of unsecured senior notes 0.0 444.0 0.0
Repayment of senior unsecured notes 0.0 (300.0) (250.0)
Repayments of other notes and contracts payable (3.7) (4.2) (6.2)
Net activity related to noncontrolling interests (3.2) 2.5 (7.1)
Net proceeds in connection with share-based compensation 7.0 6.9 0.4
Repurchases of Company shares (122.3) (68.5) (72.7)
Payments of cash dividends (223.0) (220.7) (216.6)
Cash provided by (used for) financing activities 161.2 (2,309.4) 1,423.1
Effect of exchange rate changes on cash 13.1 (16.6) 4.9
Net (decrease) increase in cash and cash equivalents (330.8) (1,887.2) 2,381.8
Cash and cash equivalents—Beginning of year 1,718.1 3,605.3 1,223.5
Cash and cash equivalents—End of year 1,387.3 1,718.1 3,605.3
SUPPLEMENTAL INFORMATION:      
Interest 151.9 150.6 124.2
Premium taxes 73.7 57.3 84.2
Income taxes paid 67.1 22.1 121.0
Income tax refunds $ (15.6) $ (23.6) $ (1.0)
v3.25.4
Pay vs Performance Disclosure - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Pay vs Performance Disclosure      
Net Income (Loss) $ 621.8 $ 131.1 $ 216.8
v3.25.4
Insider Trading Arrangements
3 Months Ended
Dec. 31, 2025
Trading Arrangements, by Individual  
Rule 10b5-1 Arrangement Adopted false
Non-Rule 10b5-1 Arrangement Adopted false
Rule 10b5-1 Arrangement Terminated false
Non-Rule 10b5-1 Arrangement Terminated false
v3.25.4
Cybersecurity Risk Management, Strategy and Governance
12 Months Ended
Dec. 31, 2025
Cybersecurity Risk Management, Strategy, and Governance [Abstract]  
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]

Item 1C. Cybersecurity

We recognize the critical importance of maintaining the safety and security of our systems and data and take a holistic approach to overseeing and managing cybersecurity, which is supported by both management and our Board of Directors. The Company’s Board, the Audit Committee of the Board and management devote significant resources to cybersecurity and risk management processes to adapt to the changing cybersecurity landscape and respond to emerging threats in a timely and effective manner. Our approach to cybersecurity risk management is multi-layered and includes governance and risk, monitoring and incidence response, data security, application security, endpoint security, network security and perimeter security.

The Company’s Board of Directors has delegated the primary responsibility to oversee cybersecurity matters to the Audit Committee of the Board. The Audit Committee receives quarterly reports from our Chief Information Security Officer (“CISO”) regarding cybersecurity matters. The CISO also briefs the full Board of Directors on cybersecurity regularly.

The Company maintains an extensive and structured enterprise risk management (“ERM”) program encompassing senior executive leaders from all facets of its business, including operations, human resources, finance, accounting, treasury, information security, information technology, legal/regulatory, internal audit, compliance, underwriting, and real estate. As part of our ERM program, the Company maintains an Information Technology and Security Oversight Committee (“ITSO Committee”) that oversees the Company’s cybersecurity program from a management perspective.

The ITSO Committee meets quarterly and includes the Company’s Chief Executive Officer, Chief Financial Officer and Chief Legal Officer, whose relevant expertise and experience can be found in the Company’s Proxy Statement on Schedule 14A filed on April 16, 2025.

The ITSO Committee also includes the President of First American Title Insurance Company, the President of our data and analytics business and the President of our international division, who bring deep operational experience specific to our businesses; the Chief Intellectual Property and Privacy Officer, who is responsible for protecting and advising on innovation, data privacy and intellectual property; and is chaired by the Company’s Chief Risk Officer, who has over 25 years of experience in risk management. The Company’s CISO and Chief Technology Officer (“CTO”) are participants on the ITSO Committee.

The Company’s CISO is primarily responsible for assessing and managing cybersecurity risks and threats and is responsible for developing and implementing our information security program, working closely with the ITSO Committee. The CISO manages a team of cybersecurity professionals with broad experience and expertise, including in cybersecurity governance, cybersecurity threat assessments and detection, mitigation technologies, cybersecurity training, incident response, cyber forensics, insider threats and regulatory compliance. Our CISO has been with the Company for 15 years in various information security leadership roles and has over 20 years of experience in the cybersecurity field. The CISO provides regular reports to the ITSO Committee that are shared with the Company’s Board of Directors.

The Company’s CTO is responsible for overseeing the Company’s overall technology strategy, including integrating security considerations into all aspects of our technology development. Our CTO has over 20 years of experience in technology management roles.

As part of our risk management process, the Company maintains an overall risk management program that encompasses cybersecurity, conducts security audits, annual System and Organization Controls (“SOC 2”) testing, and ongoing risk assessments using a company-wide risk framework. We also require employees with access to information systems to undertake data protection and cybersecurity training. The Company has processes in place for assessing, identifying, and managing material risks from potential cybersecurity incidents, including vulnerability identification, intrusion prevention, encryption, endpoint protection, behavior analysis, mitigation and the processes and protocols set forth in the Company’s incident response plans. Certain of our subsidiaries manage their own cybersecurity functions and coordinate with the Company’s CISO. The Company also employs systems and processes designed to oversee and identify cybersecurity threats associated with third-party vendors, including a risk assessment and rigorous evaluation of each vendor that may access, process or store highly sensitive or proprietary data or that is systematically integrated with the Company’s systems or network. In addition to our in-house cybersecurity capabilities, we engage assessors, consultants, auditors, and other third parties to assist with assessing, identifying, mitigating and managing cybersecurity risks, including the maintenance of a Security Operations Center that is co-managed between the Company and a managed security service provider (“MSSP”), which continuously reviews the Company’s network using threat intelligence from a variety of sources and reports potential incidents from users.

While the Company has experienced cybersecurity threats to its data and systems, such threats have not materially affected the Company, including our business strategy, results of operations or financial condition, with the exception of an

incident in the fourth quarter of 2023, as disclosed in Current Reports on Form 8-K filed by the Company in late 2023 and early 2024. On June 21, 2024, the Company received a complaint, on a class action basis, relating to the incident in the fourth quarter of 2023. For additional information on cybersecurity risks we face, see Item 1A. Risk Factors of this Annual Report, which should be read in conjunction with the foregoing information.

Cybersecurity Risk Management Processes Integrated [Flag] true
Cybersecurity Risk Management Processes Integrated [Text Block] process or store highly sensitive or proprietary data or that is systematically integrated with the Company’s systems or network.
Cybersecurity Risk Management Third Party Engaged [Flag] true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag] true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag] false
Cybersecurity Risk Board of Directors Oversight [Text Block]

The Company’s Board of Directors has delegated the primary responsibility to oversee cybersecurity matters to the Audit Committee of the Board. The Audit Committee receives quarterly reports from our Chief Information Security Officer (“CISO”) regarding cybersecurity matters. The CISO also briefs the full Board of Directors on cybersecurity regularly.

The Company maintains an extensive and structured enterprise risk management (“ERM”) program encompassing senior executive leaders from all facets of its business, including operations, human resources, finance, accounting, treasury, information security, information technology, legal/regulatory, internal audit, compliance, underwriting, and real estate. As part of our ERM program, the Company maintains an Information Technology and Security Oversight Committee (“ITSO Committee”) that oversees the Company’s cybersecurity program from a management perspective.

The ITSO Committee meets quarterly and includes the Company’s Chief Executive Officer, Chief Financial Officer and Chief Legal Officer, whose relevant expertise and experience can be found in the Company’s Proxy Statement on Schedule 14A filed on April 16, 2025.

The ITSO Committee also includes the President of First American Title Insurance Company, the President of our data and analytics business and the President of our international division, who bring deep operational experience specific to our businesses; the Chief Intellectual Property and Privacy Officer, who is responsible for protecting and advising on innovation, data privacy and intellectual property; and is chaired by the Company’s Chief Risk Officer, who has over 25 years of experience in risk management. The Company’s CISO and Chief Technology Officer (“CTO”) are participants on the ITSO Committee.

Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block] The Audit Committee receives quarterly reports from our Chief Information Security Officer (“CISO”) regarding cybersecurity matters.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block] The Company’s Board of Directors has delegated the primary responsibility to oversee cybersecurity matters to the Audit Committee of the Board.
Cybersecurity Risk Role of Management [Text Block]

As part of our risk management process, the Company maintains an overall risk management program that encompasses cybersecurity, conducts security audits, annual System and Organization Controls (“SOC 2”) testing, and ongoing risk assessments using a company-wide risk framework. We also require employees with access to information systems to undertake data protection and cybersecurity training. The Company has processes in place for assessing, identifying, and managing material risks from potential cybersecurity incidents, including vulnerability identification, intrusion prevention, encryption, endpoint protection, behavior analysis, mitigation and the processes and protocols set forth in the Company’s incident response plans. Certain of our subsidiaries manage their own cybersecurity functions and coordinate with the Company’s CISO. The Company also employs systems and processes designed to oversee and identify cybersecurity threats associated with third-party vendors, including a risk assessment and rigorous evaluation of each vendor that may access, process or store highly sensitive or proprietary data or that is systematically integrated with the Company’s systems or network. In addition to our in-house cybersecurity capabilities, we engage assessors, consultants, auditors, and other third parties to assist with assessing, identifying, mitigating and managing cybersecurity risks, including the maintenance of a Security Operations Center that is co-managed between the Company and a managed security service provider (“MSSP”), which continuously reviews the Company’s network using threat intelligence from a variety of sources and reports potential incidents from users.

Cybersecurity Risk Management Positions or Committees Responsible [Flag] true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block] The Company’s CISO is primarily responsible for assessing and managing cybersecurity risks and threats and is responsible for developing and implementing our information security program, working closely with the ITSO Committee. The CISO manages a team of cybersecurity professionals with broad experience and expertise, including in cybersecurity governance, cybersecurity threat assessments and detection, mitigation technologies, cybersecurity training, incident response, cyber forensics, insider threats and regulatory compliance.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block] Our CISO has been with the Company for 15 years in various information security leadership roles and has over 20 years of experience in the cybersecurity field. The CISO provides regular reports to the ITSO Committee that are shared with the Company’s Board of Directors.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block] The CISO also briefs the full Board of Directors on cybersecurity regularly
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag] true
v3.25.4
Basis of Presentation and Significant Accounting Policies
12 Months Ended
Dec. 31, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Basis of Presentation and Significant Accounting Policies

NOTE 1. Basis of Presentation and Significant Accounting Policies:

First American Financial Corporation (the “Company”), through its subsidiaries, is engaged in the business of providing financial services. The Company consists of the following reportable segments:

The title insurance and services segment issues title insurance policies on residential and commercial property in the United States and offers similar or related products and services internationally. This segment also provides closing and/or escrow services; accommodates tax-deferred exchanges of real estate; provides products, services and solutions designed to mitigate risk or otherwise facilitate real estate transactions; maintains, manages and provides access to title plant data and records; provides appraisals and other valuation-related products and services; provides lien release, document custodial and default-related products and services; provides document generation services; provides warehouse lending services; subservices mortgage loans; and provides banking, trust and wealth management services. The Company, through its principal title insurance subsidiary and such subsidiary’s affiliates, transacts its title insurance business through a network of direct operations and agents. Through this network, the Company issues policies in the 49 states that permit the issuance of title insurance policies, the District of Columbia and certain United States territories. The Company also offers title insurance, closing services and similar or related products and services, either directly or through third parties in other countries, including Canada, the United Kingdom, various countries in Europe, South Korea, Australia and New Zealand.
The home warranty segment sells products including residential service contracts that cover residential systems, such as heating and air conditioning systems, and certain appliances against failures that occur as the result of normal usage during the coverage period. This business currently operates in 36 states and the District of Columbia.
The corporate segment includes investments in venture-stage companies, certain financing facilities and corporate services that support the Company’s business operations.

Principles of Consolidation

The consolidated financial statements have been prepared in accordance with generally accepted accounting principles (“GAAP”) and reflect the consolidated operations of the Company. The consolidated financial statements include the accounts of First American Financial Corporation and all controlled subsidiaries. All significant intercompany transactions and balances have been eliminated. Equity investments in which the Company exercises significant influence, but does not control and is not the primary beneficiary, are accounted for using the equity method of accounting. Equity investments in which the Company does not exercise significant influence over the investee and without readily determinable fair values, or non-marketable equity securities, are accounted for at cost, less impairment, and are adjusted up or down for any observable price changes.

The Company has certain investments in nonconsolidated variable interest entities that are primarily limited partnerships, which are accounted for using the equity method of accounting. As of December 31, 2025 and 2024, the carrying values of these investments were $66.4 million and $65.7 million, respectively, and are included in equity securities on the Company’s consolidated balance sheets. At December 31, 2025, the Company’s maximum exposure to loss related to these investments, including any future funding commitments, was $81.8 million.

Revisions and out-of-period adjustments

During 2024, the Company identified certain uncollectible balances related to fees within its title insurance and services segment, which primarily related to reporting periods in 2023 and prior, that should have been previously written off. To correct for this error, the Company recorded an adjustment in 2024, which increased other operating expenses and increased accounts payable and accrued liabilities by $6.2 million.

The Company does not consider this adjustment to be material, individually or in the aggregate, to any previously issued consolidated financial statements.

Use of estimates

The preparation of financial statements in accordance with GAAP requires management to make estimates and assumptions that affect the statements. Actual results could differ from the estimates and assumptions used.

Cash equivalents

The Company considers cash equivalents to include all unrestricted short-term investments that have an initial maturity of 90 days or less.

Accounts and accrued income receivable

Accounts receivable are generally due within thirty days and are recorded net of an allowance for credit losses. The Company considers accounts outstanding longer than the contractual payment terms as past due. The Company determines the allowance by considering a number of factors, including the length of time trade accounts receivable are past due, previous loss history, a specific customer’s ability to pay its obligations to the Company and the current condition, and future expectations, of the general economy and industry as a whole. Amounts are written off in the period in which they are deemed to be uncollectible.

The Company’s policy is to present accrued interest receivable on financial assets within accounts and accrued income receivable on the balance sheet. Accrued interest receivable at December 31, 2025 and 2024 totaled $13.7 million and $14.0 million, respectively. The Company has elected to not measure an allowance for credit losses for accrued interest receivable and maintains a policy that all receivables ninety days past due are written off to credit loss expense. Accounts are placed on non-accrual status, and accrual of interest is discontinued, when management determines that collectibility of contractual amounts is not reasonably assured. Payments of interest for accounts in non-accrual status are applied under the cost recovery method.

Deposits with banks

Deposits with banks are short-term investments with initial maturities of generally more than 90 days and included restricted cash and cash equivalents of $9.9 million and $20.7 million at December 31, 2025 and 2024, respectively.

Debt securities

Debt securities are carried at fair value and consist primarily of investments in obligations of the United States Treasury, foreign governments, various U.S. and foreign corporations, certain state and political subdivisions and mortgage-backed securities. The Company classifies its debt securities as available-for-sale with unrealized gains or losses recorded as a component of accumulated other comprehensive income/loss. Realized gains and losses on sales of debt securities are determined on a first-in, first-out basis.

Interest income, as well as the related amortization of premium and accretion of discount, on debt securities are recognized under the effective yield method and are included in the accompanying consolidated statements of income in net investment income. Interest income for agency mortgage-backed securities is determined considering estimated pay-downs, including prepayments, obtained from third-party data sources. Effective yields are recalculated monthly on a retrospective basis based on actual payments received and updated prepayment expectations, and the amortized cost is adjusted to the amount that would have existed had the new effective yield been applied since acquisition with a corresponding charge or credit to net investment income.

When the fair value of an available-for-sale debt security falls below its amortized cost, entities must determine whether the decline in fair value is due to credit-related factors or noncredit-related factors. Declines in fair value that are credit-related are recorded on the balance sheet through an allowance for credit losses with a corresponding adjustment to earnings and declines that are noncredit-related are recognized through other comprehensive income/loss.

If the Company intends to sell a debt security in an unrealized loss position or determines that it is more likely than not that the Company will be required to sell a debt security before it recovers its amortized cost basis, the debt security is impaired and it is written down to fair value with all losses recognized in earnings. As of December 31, 2025, the Company did not intend to sell any debt securities in an unrealized loss position and it is not more likely than not that the Company will be required to sell any debt securities before recovery of their amortized cost basis.

For debt securities in an unrealized loss position for which the Company does not intend to sell the debt security and it is not more likely than not that the Company will be required to sell the debt security, the Company determines whether the loss is due to credit-related factors or noncredit-related factors. For debt securities in an unrealized loss position for which the losses are primarily due to credit-related factors, the Company’s policy is to recognize the entire loss in earnings. In determining credit losses on its debt securities in an unrealized loss position, the Company considers certain factors that may include, among others, severity of the unrealized loss, security type, industry sector, credit rating, yield to maturity, profitability and stock performance. For debt securities in an unrealized loss position for which the losses are determined to be the result of both credit-related and noncredit-related factors, the credit loss is determined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis of the debt security. The cash flows expected to be collected are discounted using the effective interest rate (i.e., purchase yield) and for variable rate securities the interest rate is fixed at the rate in effect at the credit loss measurement date.

Expected future cash flows for debt securities are based on qualitative and quantitative factors specific to each security, including the probability of default and the estimated timing and amount of recovery. The detailed inputs used to project expected future cash flows may be different depending on the nature of the individual debt security.

In the normal course of operations, the Company may seek to optimize its investment portfolio and prospective investment returns by selling certain debt securities in an unrealized loss (or gain) position for which such unrealized loss or gain has been deferred in other comprehensive income. Sales of such debt securities could result in the realization of material gains or losses recorded in net income in the period the debt securities are sold.

The Company’s policy is to present accrued interest receivable on debt securities within accounts and accrued income receivable on the balance sheet. Accrued interest receivable on debt securities at December 31, 2025 and 2024 totaled $46.5 million and $38.8 million, respectively. The Company has elected to not measure an allowance for accrued interest receivable on debt securities and maintains a policy that all receivables ninety days past due are written off to credit loss expense. Debt securities are placed on non-accrual status, and accrual of interest is discontinued, when management determines that collectibility of contractual amounts is not reasonably assured. Interest income is recognized on a cash basis for interest payments received on debt securities in non-accrual status.

The Company maintains investments in debt securities in accordance with certain statutory requirements for the funding of statutory premium reserves and state deposits. At December 31, 2025 and 2024, the fair values of such investments totaled $109.7 million and $92.4 million, respectively. See Note 2 Statutory Restrictions on Investments and Stockholders’ Equity for additional discussion of the Company’s statutory restrictions.

Equity securities

Marketable equity securities are carried at fair value and consist primarily of investments in exchange traded funds, mutual funds and preferred stocks of corporate entities. Changes in the fair values of the Company’s equity securities are recognized in net investment gains/losses on the consolidated statements of income.

Equity investments in which the Company exercises significant influence but does not control, and is not the primary beneficiary, are accounted for under the equity method of accounting. These investments are initially measured at cost and are generally adjusted by the Company’s share of equity in the income or losses of the investee. The carrying values of these investments are written down, or impaired, to fair value when a decline in value is considered to be other-than-temporary. In making the determination as to whether an individual investment is impaired, the Company assesses the current and expected financial condition of each relevant entity, including, but not limited to, the results of valuation work performed with respect to the entity, the entity’s anticipated ability to generate sufficient cash flows and the market conditions in the industry in which the entity is operating.

 

The Company has elected to measure its non-marketable equity securities in which it does not exercise significant influence over the investee and without readily determinable fair values at cost, less impairment, adjusted up or down for any observable price changes from orderly transactions for the identical or a similar investment of the same issuer. The carrying values of these investments are written down, or impaired, to fair value when a qualitative assessment indicates that the fair value is less than the carrying value. In making the determination as to whether an individual investment is impaired, the Company assesses such qualitative factors as the current and expected financial condition of each relevant entity, the market conditions in the industry in which the entity operates and the entity’s anticipated ability to generate sufficient cash flows.

Notes Receivable

Notes receivable are carried at cost, less allowance for credit losses. An allowance for credit losses is established on an individual note based on the Company’s estimate of the net amount expected to be collected. The allowance for credit losses is based upon the Company’s assessment of the borrower’s overall financial condition, resources and payment record; and, if appropriate, the realizable value of any collateral. These estimates consider all available evidence including the expected future cash flows, estimated fair value of collateral on secured notes, general economic conditions and trends, and other relevant factors, as appropriate. Notes are placed on non-accrual status when management determines that the collectibility of contractual amounts is not reasonably assured. Notes receivable at December 31, 2025 and 2024 totaled $35.7 million and $34.4 million, respectively. Notes receivable are included in other assets on the consolidated balance sheets.

Secured financings receivable and payable

Secured financings receivable, which are generated through the Company’s warehouse lending operations, are collateralized by mortgage loans on residential real estate. Collections of amounts due from mortgage loan originators occur upon sale of the underlying mortgage loans to investors in the secondary market, generally within 30 days and more typically in less than 10 days. No allowance for credit losses has been recorded on these receivables due to, among other factors, the Company typically identifying investors in the underlying mortgage loans prior to making advances, the short-term nature of these receivables and the lack of significant historical credit losses experienced by the Company. Interest income is recorded on an accrual basis during the period the principal balance remains outstanding and is included in net investment income on the consolidated statements of income.

Secured financings payable reflect borrowings under secured warehouse lending facilities with several banking institutions. Repayment of the warehouse borrowing occurs upon sale of the mortgage loan to investors as noted above. Interest expense is recorded during the period the borrowing remains outstanding and is included in interest expense on the consolidated statements of income.

Property and equipment

Buildings and furniture and equipment are initially recorded at cost and are generally depreciated using the straight-line method over estimated useful lives ranging from 10 to 40 years and from 1 to 15 years, respectively. Leasehold improvements are initially recorded at cost and are amortized over the lesser of the remaining term of the respective lease or the estimated useful life, using the straight-line method. Computer software developed for internal use and for use with the Company’s products is amortized over estimated useful lives ranging from 1 to 15 years using the straight-line method. Software development and implementation costs, which include certain payroll-related costs of employees directly associated with developing or implementing software and payments to third parties directly associated with developing or implementing software are capitalized during the application development or implementation stage until the software is ready for its intended use.

Management evaluates the carrying value of property and equipment to be held and used when events and circumstances warrant such a review. The carrying value is considered impaired when either the anticipated undiscounted future cash flow from the asset is separately identifiable and is less than the carrying value, or when management identifies a specific asset to be abandoned. In the event that anticipated undiscounted future cash flows from an asset are determined to be less than its carrying value, a loss is recognized based on the amount by which the carrying value exceeds the fair value of the asset. Fair value is determined primarily through estimated future cash flows associated with the asset under review, discounted at a rate commensurate with the risk involved, or other valuation techniques. Losses on property and equipment to be abandoned are determined at the time of abandonment and are recognized at an amount equal to the carrying value.

Impairment losses on property and equipment for the years ended December 31, 2025 and 2024 primarily included $49.3 million and $39.5 million, respectively, in impairment losses to capitalized internal-use software. The impairment losses were due to either abandonment or the carrying amount no longer deemed recoverable and exceeding its fair value as a result of either being replaced with new technologies or determined to be of diminished value from a change in management strategy. These impairment losses, which were included in the title insurance and services segment, are included in net investment losses on the consolidated statements of income. Impairment losses for the year ended December 31, 2023 were not material.

Leases

The Company is, generally, a lessee in leases of commercial real estate, including office buildings and office space, and also certain equipment. Most of the Company’s leases of commercial real estate include one or more options to renew, with renewal terms that can extend the lease term from one to five years, and some leases include options to terminate the lease within the first year.

In connection with its lease commitments, the Company recognizes a lease liability equal to the present value of future lease payments discounted using its incremental borrowing rate and recognizes a lease asset equal to the lease liability, adjusted for any prepaid or accrued lease payments, lease incentives and initial direct costs.

As most of the Company’s leases do not provide an implicit discount rate, the Company applies its incremental borrowing rate, which is based on the information available as of the commencement date, in determining the present value of its lease payments.

The Company does not separately account for nonlease components (e.g., common-area maintenance costs) from the associated lease components (e.g., fixed payments including rent, real estate taxes and insurance costs) on leases of commercial real estate and instead accounts for both components as a single lease component for purposes of recognizing lease assets and liabilities. Variable lease costs, which include any variable lease and nonlease components and rents that vary based on changes to an index or rate, are expensed as incurred.

The Company excludes any leases with an initial term of 12 months or less from recognition on the balance sheet and for which lease expense is recognized on a straight-line basis over the lease term.

Management recognizes an impairment loss when the carrying amount of a lease asset is not recoverable and exceeds its fair value. The carrying amount is considered not recoverable if it exceeds the sum of the undiscounted future cash flows that are directly associated with, and that are expected to arise as a result of, the use and eventual disposition of the lease asset. An impairment loss is measured as the amount by which the carrying amount of a lease asset exceeds its fair value. Impairment losses related to the Company’s commercial real estate may occur if the Company ceased use of all, or a portion, of a leased property while a contractual obligation remains.

For further information on the Company’s leasing arrangements see Note 7 Leases.

Title plants and other indexes

Title plants are carried at cost, with the costs of daily maintenance (updating) charged to expense as incurred. Because properly maintained title plants have indefinite lives and do not diminish in value with the passage of time, no provision has been made for depreciation or amortization. The Company analyzes its title plants at least annually for impairment. This analysis includes, but is not limited to, the effects of obsolescence, duplication, demand and other economic factors. Capitalized real estate data is initially recorded at cost and is amortized using the straight-line method over a 15 year estimated useful life.

Business Combinations

Amounts paid for acquisitions are allocated to the tangible and intangible assets acquired and liabilities assumed and are based on their estimated fair values at the date of acquisition. The excess of the fair value of purchase consideration over the fair values of the identifiable assets and liabilities is recorded as goodwill. Acquisition-related costs are expensed in the periods in which the costs are incurred. The results of operations of acquired businesses are included in the consolidated financial statements from the date of acquisition.

Goodwill Impairment

The Company is required to perform an annual goodwill impairment assessment for each reporting unit for which goodwill has been allocated. The reporting units that have been allocated goodwill include title insurance and home warranty. The Company’s trust and other services and corporate reporting units have no allocated goodwill and are, therefore, not assessed for impairment. The Company has elected to perform this annual assessment in the fourth quarter of each fiscal year or sooner if circumstances indicate possible impairment. Based on accounting guidance, the Company has the option to perform a qualitative assessment to determine if the fair value is more likely than not (i.e., a likelihood of greater than 50%) less than the carrying amount as a basis for determining whether it is necessary to perform a quantitative impairment test, or may choose to forego a qualitative assessment and perform a quantitative impairment test. The qualitative factors considered in this assessment may include macroeconomic conditions, industry and market considerations, overall financial performance as well as other relevant events and circumstances as determined by the Company. The Company evaluates the weight of each factor to determine whether it is more likely than not that impairment may exist. If the results of a qualitative assessment indicate the more likely than not threshold was not met, the Company may choose not to perform a quantitative impairment test. If, however, the more likely than not threshold is met, the Company will perform a quantitative test as required and discussed below.

Management’s quantitative impairment testing compares the fair value of each reporting unit to its carrying amount. The fair value of each reporting unit is determined by using discounted cash flow analysis and, where appropriate, market approach valuations. If the fair value of the reporting unit exceeds its carrying amount, the goodwill is not considered impaired and no additional analysis is required. However, if the carrying amount is greater than the fair value, an impairment charge is recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value, with the loss recognized limited to the total amount of goodwill allocated to that reporting unit.

The quantitative impairment test for goodwill utilizes a variety of valuation techniques, all of which require the Company to make estimates and judgments. Fair value is determined by employing an expected present value technique, which utilizes expected cash flows and an appropriate discount rate. The use of comparative market multiples (the “market approach”) compares the reporting unit to other comparable companies (if such comparables are present in the marketplace) based on valuation multiples to arrive at a fair value. In assessing the fair value, the Company utilizes the results of the valuations (including the market approach to the extent comparables are available) and considers the range of fair values determined under all methods and the extent to which the fair value exceeds the carrying amount of the reporting unit.

The valuation of each reporting unit includes the use of assumptions and estimates of many critical factors, including revenue growth rates and operating margins, discount rates and future market conditions, determination of market multiples and the establishment of a control premium, among others. Forecasts of future operations are based, in part, on operating results and the Company’s expectations as to future market conditions. These types of analyses contain uncertainties because they require the Company to make assumptions and to apply judgments to estimate industry economic factors and the profitability of future business strategies. However, if actual results are not consistent with the Company’s estimates and assumptions, the Company may be exposed to future impairment losses that could be material.

The Company performed qualitative assessments for both reporting units in 2025 and 2024. In 2023, the Company chose to perform a quantitative impairment test for its title insurance reporting unit and a qualitative assessment for its home warranty reporting unit. The results of the Company’s qualitative assessments in 2025 and 2024 for both reporting units and, in 2023, for the home warranty reporting unit, supported the conclusion that the reporting unit fair values were not more likely than not less than their carrying amounts and, therefore, a quantitative impairment test was not considered necessary. Based on the results of the quantitative test in 2023, the Company determined that the fair value for the title insurance reporting unit exceeded its carrying amount and no additional analysis was required. As a result of the Company’s annual goodwill impairment assessments, the Company did not record any goodwill impairment losses for 2025, 2024 or 2023.

Other intangible assets

The Company’s finite-lived intangible assets consist of customer relationships, noncompete agreements, trademarks, internal-use software licenses and patents. These assets are amortized on a straight-line basis over their useful lives ranging from 1 to 20 years and are subject to impairment assessments when there is an indication of a triggering event or abandonment. The Company’s indefinite-lived other intangible assets consist of licenses which are not amortized but rather assessed for impairment by comparing the fair values to carrying amounts at least annually, and when an indicator of potential impairment has occurred.

Management uses estimated future cash flows (undiscounted and excluding interest) to measure the recoverability of intangible assets with finite lives, whenever events or changes in circumstances indicate that the carrying amount may not be fully recoverable. If the undiscounted cash flow analysis indicates that the carrying amount is not recoverable, an impairment loss is recorded for the excess of the carrying amount over its fair value. Management’s impairment assessment for indefinite-lived other intangible assets include a valuation using a discounted cash flow analysis or through a market approach. If the fair value exceeds its carrying amount, the asset is not considered impaired and no additional analysis is required. However, if the carrying amount is greater than the fair value, an impairment loss is recorded equal to the excess.

Reserve for known and incurred but not reported claims

The Company provides for title insurance losses through a charge to expense when the related premium revenue is recognized. The amount charged to expense is generally determined by applying a rate (the loss provision rate) to total title insurance premiums and escrow fees. The Company’s management estimates the loss provision rate at the beginning of each year and reassesses the rate quarterly to ensure that the resulting incurred but not reported (“IBNR”) loss reserve and known claims reserve included in the Company’s consolidated balance sheets together reflect management’s best estimate of the total costs required to settle all IBNR and known claims. If the ending IBNR reserve is not considered adequate, an adjustment is recorded.

The process of assessing the loss provision rate and the resulting IBNR reserve involves an evaluation of the results of an in-house actuarial review. The Company’s in-house actuary performs a reserve analysis utilizing generally accepted actuarial methods that incorporate cumulative historical claims experience and information provided by in-house claims and operations personnel. Current economic and business trends are also contemplated as part of the reserve analysis. These include conditions in the real estate and mortgage markets, changes in residential and commercial real estate values, and changes in the levels of defaults and foreclosures that may affect claims levels and patterns of emergence, as well as any company-specific factors that may be relevant to past and future claims experience. Results from the analysis include, but are not limited to, a range of IBNR reserve estimates and a single point estimate for IBNR as of the balance sheet date.

For recent policy years at early stages of development (generally the last four to five years), IBNR is generally estimated using a combination of expected loss rate and multiplicative loss development factor calculations. For more mature policy years, IBNR generally is estimated using multiplicative loss development factor calculations. The expected loss rate method estimates IBNR by applying an expected loss rate to total title insurance premiums and escrow fees and by adjusting for policy year maturity using estimated loss development patterns. Multiplicative loss development factor calculations estimate IBNR by applying factors derived from loss development patterns to losses realized to date. The expected loss rate and loss development patterns are based on historical experience and the relationship of the history to the applicable policy years.

The Company’s management uses the IBNR point estimate from the in-house actuary’s analysis and other relevant information concerning claims, including a range of IBNR reserve estimates, to determine what it considers to be the best estimate of the total amount required for the IBNR reserve.

The volume and timing of title insurance claims are subject to cyclical influences from both the real estate and mortgage markets. Title policies issued to lenders constitute a large portion of the Company’s title insurance volume. These policies insure lenders against losses on mortgage loans due to title defects in the collateral property. Even if an underlying title defect exists that could result in a claim, often the lender must realize an actual loss, or at least be likely to realize an actual loss, for a title insurance liability to exist. As a result, title insurance claims exposure is sensitive to lenders’ losses on mortgage loans and is affected in turn by external factors that affect mortgage loan losses, particularly macroeconomic factors.

A general decline in real estate prices can expose lenders to greater risk of losses on mortgage loans, as loan-to-value ratios increase and defaults and foreclosures increase. Title insurance claims exposure for a given policy year is also affected by the quality of mortgage loan underwriting during the corresponding origination year. The Company believes that the sensitivity of claims to external conditions in the real estate and mortgage markets is an inherent feature of title insurance’s business economics that applies broadly to the title insurance industry.

Title insurance policies are long-duration contracts with the majority of the claims reported to the Company within the first few years following the issuance of the policy. Generally, 65% to 75% of claim amounts become known in the first six years of the policy life, and the majority of IBNR reserves relate to the six most recent policy years. Changes in expected ultimate losses and corresponding loss rates for recent policy years are considered likely and could result in a material adjustment to the IBNR reserves. A material change in expected ultimate losses and corresponding loss rates for older policy years is also possible, particularly for policy years with loss rates exceeding historical norms. The estimates made by management in determining the appropriate level of IBNR reserves could ultimately prove to be materially different from actual claims experience.

The Company provides for claims losses relating to its home warranty business based on the average cost per claim and historical loss experience as applied to the total of current claims incurred. The average cost per home warranty claim is calculated using the average of the most recent 12 months of claims experience adjusted for estimated future increases in costs.

Contingent litigation and regulatory liabilities

Amounts related to contingent litigation and regulatory liabilities are accrued if it is probable that a liability has been incurred and an amount is reasonably estimable. The Company records legal fees in other operating expenses in the period incurred.

Revenues

Premiums on title policies issued directly by the Company are recognized on the effective date of the title policy and escrow fees are recorded upon close of the escrow.

Revenues from title policies issued by agents are recorded when notice of issuance is received from the agent, which is generally when cash payment is received by the Company.

Premiums on home warranty contracts are generally recognized ratably in proportion to expected claims experience over the duration of the policy or contract, which is typically 12 months.

Information and other revenues are recognized when control of the promised goods or services is transferred to the customer and in an amount that reflects the consideration the Company expects to be entitled to in exchange for these goods or services.

For those products and services where the Company’s performance obligation is satisfied at a point in time and for which there is no ongoing obligation, revenue is recognized upon delivery. For those products and services where the Company satisfies its performance obligation over time as the product or service is being transferred to the customer, revenue is generally recognized using the output method as the products or services are delivered.

The Company applies the optional exemptions allowed under accounting guidance whereby the Company is not required to disclose either the transaction price allocated to performance obligations that are unsatisfied as of the end of the period or an explanation as to when the Company expects to recognize the related revenue. Such contracts generally include performance obligations that are contingent upon the closing of a real estate transaction or include variable consideration based on order volumes and have remaining contract terms of generally less than three years. The Company is allowed to apply the optional exemptions to its remaining performance obligations due to (1) the performance obligation is part of a contract that has an original duration of one year or less, (2) the associated revenue is based on the Company’s right to invoice for the value of the product or service delivered, (3) the associated variable consideration is allocated entirely to wholly unsatisfied performance obligations or (4) immateriality.

The Company also applies the practical expedient allowed under accounting guidance whereby it can disregard the impact to the transaction price of the effects of a significant financing component for arrangements where the Company expects the period between delivery of the product or service and customer payment to be one year or less. In addition, the Company applies the practical expedient whereby it recognizes the incremental costs of obtaining a contract as an expense when incurred if the amortization period for the asset that the Company otherwise would have recognized is one year or less.

The Company records a contract asset, and recognizes revenue, upon delivery of certain products related to the closing of a real estate transaction where the Company’s right to payment is subject to the closing of the transaction. The Company records a contract liability for payments received in advance of revenue recognition for certain products or services. Contract assets and liabilities were not material at December 31, 2025 and 2024. Revenues recognized during the years ended December 31, 2025, 2024 and 2023 that were included in contract liabilities at the beginning of the respective period were not material.

For information about the Company’s revenues disaggregated by reportable segment see Note 22 Segment Financial Information.

Premium taxes

Title insurance and home warranty companies, like other types of insurers, are generally not subject to state income or franchise taxes. However, in lieu thereof, most states impose a tax based primarily on insurance premiums written. This premium tax is reported as a separate line item in the consolidated statements of income in order to provide a more meaningful disclosure of the taxation of the Company.

Income taxes

The Company accounts for income taxes under the asset and liability method, whereby deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. The Company evaluates the need to establish a valuation allowance for deferred tax assets based upon the amount of existing temporary differences, the period in which they are expected to be recovered and expected levels of taxable income. A valuation allowance is established when it is considered more likely than not that some or all of the deferred tax assets will not be realized.

The Company recognizes the effect of income tax positions only if sustaining those positions is considered more likely than not. Changes in recognition or measurement of uncertain tax positions are reflected in the period in which a change in judgment occurs. The Company recognizes interest and penalties related to uncertain tax positions in income tax expense.

Share-based compensation

The Company measures the cost of employee services received in exchange for an award of equity instruments based on the grant-date fair value of the award. The cost is recognized in the Company’s financial statements over the requisite service period of the award using the straight-line method for awards that contain only a service condition and the graded vesting method for awards that contain a performance or market condition. For awards with retirement eligibility provisions, the cost is recognized through the date the employee becomes eligible to retire and is no longer required to provide service to earn the award. The Company accounts for forfeitures as they occur. The Company utilizes a Monte Carlo valuation model to estimate the fair value of its market-based equity-settled performance awards.

The Company’s primary means of providing share-based compensation is through the granting of restricted stock units (“RSUs”). RSUs granted generally have graded vesting features and include a service condition; and, for certain employees and executives, may also include either a performance or market condition. The Company also grants performance restricted stock units (“PRSUs”) to certain employees and executives, which generally contain service and either performance or market conditions. RSUs and PRSUs receive dividend equivalents in the form of RSUs/PRSUs having the same vesting requirements as the initial grant.

The Company also offers an employee stock purchase plan that allows eligible employees the option to purchase common stock of the Company at 85% of the lower of the closing price on either the first or last day of each offering period. The offering periods are three-month periods beginning on January 1, April 1, July 1 and October 1 of each fiscal year. The Company recognizes an expense in the amount equal to the value of the 15% discount and look-back feature over the three-month offering period.

Earnings per share

Basic earnings per share is computed by dividing net income available to the Company’s stockholders by the weighted-average number of common shares outstanding. The computation of diluted earnings per share is similar to the computation of basic earnings per share, except that the weighted-average number of common shares outstanding is increased to include the effect of dilutive potential common shares outstanding during the period using the treasury stock method. Potential dilutive common shares include RSUs and PRSUs.

Employee benefit plans

The Company recognizes the underfunded status of its unfunded supplemental benefit plans as a liability on its consolidated balance sheets. Actuarial gains and losses that have not been previously recognized as a component of net periodic benefit cost are recorded as a component of accumulated other comprehensive income/loss. Plan obligations are measured annually as of December 31.

The Company informally funds its nonqualified deferred compensation plan through tax-advantaged investments known as variable universal life insurance. The Company’s deferred compensation plan assets are included as a component of other assets and the Company’s deferred compensation plan liability is included as a component of pension costs and other retirement plans on the consolidated balance sheets. The income or loss earned on the Company’s plan assets is included as a component of net investment income and the income or loss earned by the plan participants is included as a component of personnel costs on the consolidated statements of income.

Foreign currency

The Company operates in other countries, including Canada, the United Kingdom, South Korea, Australia and New Zealand. The functional currencies of the Company’s foreign subsidiaries are generally their respective local currencies. The financial statements of foreign subsidiaries with local currencies that were determined to be the functional currency are translated into U.S. dollars as follows: assets and liabilities at the exchange rate as of the balance sheet date, equity at the historical rates of exchange, and income and expense amounts at average rates prevailing during the period. Translation adjustments resulting from the translation of the subsidiaries’ accounts are included in accumulated other comprehensive income/loss as a separate component of stockholders’ equity. For those foreign subsidiaries where the U.S. dollar has been determined to be the functional currency, non-monetary assets and liabilities are translated using historical rates, while monetary assets and liabilities are translated at current rates, with remeasurement gains and losses included in other operating expenses. Gains and losses resulting from foreign currency transactions are included within other operating expenses.

Reinsurance

The Company’s title insurance business assumes and cedes large title insurance risks through reinsurance. Additionally, the Company has limited reinsurance arrangements related to certain products offered through its international operations. In reinsurance arrangements, the primary insurer retains a certain amount of risk under a policy and cedes the remainder of the risk under the policy to the reinsurer. The primary insurer pays the reinsurer a premium in exchange for accepting this risk of loss. The primary insurer generally remains liable to its insured for the total risk but is reinsured under the terms of the reinsurance agreement. The amount of premiums assumed and ceded is recorded as a component of direct premiums and escrow fees on the Company’s consolidated statements of income. The total amount of premiums assumed and ceded in connection with reinsurance and payments and recoveries on reinsured losses were not material during the years ended December 31, 2025, 2024 and 2023.

Escrow deposits and trust assets

The Company administers escrow deposits as a service to customers in its direct title operations. Escrow deposits totaled $9.3 billion and $8.9 billion at December 31, 2025 and 2024, respectively, of which $3.7 billion and $4.0 billion, respectively, were held at First American Trust, FSB (“FA Trust”). The remaining deposits were held at third-party financial institutions. Escrow deposits held at third-party financial institutions are not considered assets of the Company and, therefore, are not included in the accompanying consolidated balance sheets. All such amounts are placed in deposit accounts insured, up to applicable limits, by the Federal Deposit Insurance Corporation. The Company could be held contingently liable for the disposition of these assets.

Trust assets administered by FA Trust totaled $5.6 billion and $4.8 billion at December 31, 2025 and 2024, respectively, of which $173.9 million and $169.4 million, respectively, were held at FA Trust. The remaining trust assets were held at third-party financial institutions. Trust assets administered by FA Trust and held at third-party institutions are fiduciary client assets. As such, these trust assets are not considered assets of the Company and, therefore, are not included in the accompanying consolidated balance sheets. The Company could be held contingently liable if FA Trust were to breach any of its fiduciary duties.

In conducting its operations, the Company often holds customers’ assets in escrow, pending completion of real estate transactions and, as a result, the Company has ongoing programs for realizing economic benefits with various financial institutions. The results from these programs are included as either income or as a reduction in expense, as appropriate, in the consolidated statements of income based on the nature of the arrangement and benefit received.

Like-kind exchanges

The Company facilitates tax-deferred property exchanges for customers pursuant to Section 1031 of the Internal Revenue Code and tax-deferred reverse exchanges pursuant to Revenue Procedure 2000-37. As a facilitator and intermediary, the Company holds the proceeds from sales transactions and takes temporary title to property identified by the customer to be acquired with such proceeds. Upon the completion of each such exchange, the identified property is transferred to the customer or, if the exchange does not take place, an amount equal to the sales proceeds or, in the case of a reverse exchange, title to the property held by the Company is transferred to the customer. Like-kind exchange funds administered by the Company totaled $2.7 billion and $2.3 billion at December 31, 2025 and 2024, respectively. In 2025, FA Trust began administering like-kind exchange funds and, at December 31, 2025, held $93.6 million of such deposits. The like-kind exchange deposits held at third-party financial institutions are not included in the accompanying consolidated balance sheets as the proceeds and property are not considered assets of the Company due to the structure utilized to facilitate these transactions. All such amounts are placed in deposit accounts insured, up to applicable limits, by the Federal Deposit Insurance Corporation. The Company could be held contingently liable to the customer for the transfers of property, disbursements of proceeds and the returns on such proceeds.

 

Subservicing deposits

In conducting its residential mortgage loan subservicing operations, the Company administers cash deposits on behalf of its clients. Cash deposits totaled $1.6 billion and $901.0 million at December 31, 2025 and 2024, respectively, of which $1.0 billion and $606.5 million, respectively, were held at FA Trust. The remaining deposits were held at third-party financial institutions. Cash deposits held at third-party financial institutions are not considered assets of the Company and, therefore, are not included in the accompanying consolidated balance sheets. All such amounts are placed in deposit accounts insured, up to applicable limits, by the Federal Deposit Insurance Corporation. The Company could be held contingently liable for the disposition of these assets. In connection with certain accounts, the Company has ongoing programs for realizing economic benefits with various financial institutions whereby it earns economic benefits either as income or as a reduction in expense. In 2025, the Company agreed to provide a secured interest in certain debt securities with a fair value of $54.9 million as collateral to be maintained on deposit in connection with a new mortgage loan subservicing agreement.

Deposit balances held at FA Trust are temporarily invested in cash and cash equivalents and debt securities, with offsetting liabilities included in deposits in the accompanying consolidated balance sheets.

The Company regularly reviews the financial strength of third-party financial institutions where deposits are held and, based on this review and the fact that all amounts are placed in deposit accounts insured, up to applicable limits, by the Federal Deposit Insurance Corporation, does not expect any credit losses; therefore the Company has not recorded a liability for credit losses.

Recently Adopted Accounting Pronouncements

In December 2023, the Financial Accounting Standards Board (“FASB”) issued updated guidance intended to enhance the transparency and decision usefulness of income tax disclosures. The updated guidance requires disclosure of specific categories and greater disaggregation of information included in the rate reconciliation and additional disclosures related to income taxes paid. Except for the disclosure requirements, the adoption of this guidance, effective January 1, 2025, had no impact on the Company's consolidated financial statements.

In August 2023, the FASB issued updated guidance intended to provide decision-useful information to investors and reduce diversity in practice in accounting for contributions made to a joint venture, upon formation, in a joint venture’s separate financial statements. The updated guidance requires joint ventures to recognize and initially measure their assets and liabilities at fair value with certain exceptions to fair value measurement consistent with business combination guidance. The updated guidance, which was adopted on January 1, 2025, had no impact on the Company's consolidated financial statements.

 

Pending Accounting Pronouncements

In September 2025, the FASB issued updated guidance intended to modernize the accounting for internal-use software costs. The updated guidance better aligns the accounting with how software is currently developed by making the guidance more relevant for agile and iterative development methods. Under the updated guidance, an entity is required to begin capitalizing software costs when management has authorized and committed to funding a software project and it is probable that the project will be completed and the software will be used to perform the function intended. The updated guidance is effective for interim and annual reporting periods beginning after December 15, 2027, with early adoption permitted, and can be applied prospectively, retrospectively, or through a modified prospective method in the Company's financial statements. The Company does not expect the adoption of this guidance to have a material impact on its consolidated financial statements.

In November 2024, the FASB issued updated guidance intended to improve financial reporting by requiring entities to disclose additional information in the notes to the financial statements about specific expense categories within the income statement. The updated guidance is effective for annual reporting periods beginning after December 15, 2026 and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. The updated disclosures can be applied either prospectively or retrospectively in the Company's financial statements. Except for the disclosure requirements, the Company does not expect the adoption of this guidance to have a material impact on its consolidated financial statements.

v3.25.4
Statutory Restrictions on Investments and Stockholders' Equity
12 Months Ended
Dec. 31, 2025
Insurance [Abstract]  
Statutory Restrictions On Investments And Stockholders' Equity

NOTE 2. Statutory Restrictions on Investments and Stockholders’ Equity:

Investments totaling $134.3 million and $127.2 million were on deposit with state treasurers in accordance with statutory requirements for the protection of policyholders at December 31, 2025 and 2024, respectively.

Pursuant to insurance and other regulations under which the Company’s insurance subsidiaries operate, the amount of dividends, loans and advances available to the Company is limited, principally for the protection of policyholders. As of December 31, 2025, under such regulations, the maximum amount available to the Company from its insurance subsidiaries in 2026, without prior approval from applicable regulators, was dividends of $382.0 million and loans and advances of $113.6 million.

The Company’s principal title insurance subsidiary, First American Title Insurance Company (“FATICO”), maintained total statutory capital and surplus of $1.5 billion and $1.6 billion as of December 31, 2025 and 2024, respectively. Statutory net income for the years ended December 31, 2025, 2024 and 2023 was $349.4 million, $182.8 million and $198.3 million, respectively. FATICO was in compliance with the minimum statutory capital and surplus requirements as of December 31, 2025.

FATICO is domiciled in Nebraska and its statutory-based financial statements are prepared in accordance with accounting practices prescribed or permitted by the Nebraska Department of Insurance. The National Association of Insurance Commissioners’ (“NAIC”) Accounting Practices and Procedures Manual (“NAIC SAP”) has been adopted as a component of prescribed or permitted practices by the state of Nebraska. The state of Nebraska has adopted certain prescribed accounting practices that differ from those found in the NAIC SAP. Specifically, the timing of amounts released from the statutory premium reserve under Nebraska’s required practice differs from NAIC SAP resulting in total statutory capital and surplus that was lower than if reported in accordance with NAIC SAP by $364.2 million and $354.6 million at December 31, 2025 and 2024, respectively.

Statutory accounting principles differ in some respects from GAAP, and these differences include, but are not limited to, non-admission of certain assets (principally, bonds pledged as collateral other than those pledged to the state insurance departments for the benefit of policyholders, limitations on deferred tax assets, goodwill, furniture and equipment, investment in subsidiaries and affiliates, real estate, capitalized software, and premiums and other receivables 90 days past due), reporting of bonds at amortized cost, recognition of credit losses, the lack of recognition of operating lease assets and liabilities on the balance sheet for lease commitments in which the Company is a lessee, changes in the fair values of marketable equity securities, amortization of goodwill, deferral of premiums received as statutory premium reserve, supplemental reserve (if applicable) and exclusion of the incurred but not reported claims reserve.

v3.25.4
Debt Securities
12 Months Ended
Dec. 31, 2025
Debt Securities, Available-for-Sale [Abstract]  
Debt Securities

NOTE 3. Debt Securities:

Investments in debt securities, classified as available-for-sale, are as follows:

 

 

Amortized

 

 

Gross unrealized

 

 

Estimated

 

(in millions)

 

cost

 

 

gains

 

 

losses

 

 

fair value

 

December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

244.2

 

 

$

1.0

 

 

$

(1.6

)

 

$

243.6

 

Municipal bonds

 

 

1,003.5

 

 

 

9.9

 

 

 

(53.3

)

 

 

960.1

 

Foreign government bonds

 

 

239.4

 

 

 

1.1

 

 

 

(5.3

)

 

 

235.2

 

Governmental agency bonds

 

 

268.3

 

 

 

0.3

 

 

 

(7.6

)

 

 

261.0

 

Governmental agency mortgage-backed securities

 

 

5,401.9

 

 

 

41.9

 

 

 

(183.0

)

 

 

5,260.8

 

U.S. corporate debt securities

 

 

1,032.8

 

 

 

15.7

 

 

 

(13.7

)

 

 

1,034.8

 

Foreign corporate debt securities

 

 

466.6

 

 

 

9.5

 

 

 

(4.9

)

 

 

471.2

 

 

$

8,656.7

 

 

$

79.4

 

 

$

(269.4

)

 

$

8,466.7

 

December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

180.7

 

 

$

0.1

 

 

$

(5.2

)

 

$

175.6

 

Municipal bonds

 

 

844.9

 

 

 

5.3

 

 

 

(73.7

)

 

 

776.5

 

Foreign government bonds

 

 

217.1

 

 

 

1.6

 

 

 

(7.1

)

 

 

211.6

 

Governmental agency bonds

 

 

203.8

 

 

 

 

 

 

(14.0

)

 

 

189.8

 

Governmental agency mortgage-backed securities

 

 

4,844.4

 

 

 

1.7

 

 

 

(343.8

)

 

 

4,502.3

 

U.S. corporate debt securities

 

 

948.4

 

 

 

5.6

 

 

 

(28.4

)

 

 

925.6

 

Foreign corporate debt securities

 

 

491.6

 

 

 

5.3

 

 

 

(12.4

)

 

 

484.5

 

 

$

7,730.9

 

 

$

19.6

 

 

$

(484.6

)

 

$

7,265.9

 

 

Sales of debt securities resulted in realized gains of $9.1 million, $22.2 million and $7.2 million, realized losses of $20.5 million, $357.3 million and $88.1 million, and proceeds of $1.3 billion, $5.5 billion and $1.7 billion for the years ended December 31, 2025, 2024 and 2023, respectively.

 

Investments in debt securities in an unrealized loss position, and their respective length of time in such position, are as follows:

 

Less than 12 months

 

 

12 months or longer

 

 

Total

 

(in millions)

 

Estimated
fair value

 

 

Unrealized
losses

 

 

Estimated
fair value

 

 

Unrealized
losses

 

 

Estimated
fair value

 

 

Unrealized
losses

 

December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

61.7

 

 

$

(0.3

)

 

$

36.3

 

 

$

(1.3

)

 

$

98.0

 

 

$

(1.6

)

Municipal bonds

 

 

118.6

 

 

 

(1.1

)

 

 

451.3

 

 

 

(52.2

)

 

 

569.9

 

 

 

(53.3

)

Foreign government bonds

 

 

76.2

 

 

 

(0.3

)

 

 

59.8

 

 

 

(5.0

)

 

 

136.0

 

 

 

(5.3

)

Governmental agency bonds

 

 

210.6

 

 

 

(1.5

)

 

 

28.9

 

 

 

(6.1

)

 

 

239.5

 

 

 

(7.6

)

Governmental agency mortgage-backed
   securities

 

 

988.8

 

 

 

(9.8

)

 

 

1,479.1

 

 

 

(173.2

)

 

 

2,467.9

 

 

 

(183.0

)

U.S. corporate debt securities

 

 

169.4

 

 

 

(0.8

)

 

 

101.2

 

 

 

(12.9

)

 

 

270.6

 

 

 

(13.7

)

Foreign corporate debt securities

 

 

32.3

 

 

 

(0.2

)

 

 

69.0

 

 

 

(4.7

)

 

 

101.3

 

 

 

(4.9

)

 

$

1,657.6

 

 

$

(14.0

)

 

$

2,225.6

 

 

$

(255.4

)

 

$

3,883.2

 

 

$

(269.4

)

December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

81.8

 

 

$

(1.8

)

 

$

52.9

 

 

$

(3.4

)

 

$

134.7

 

 

$

(5.2

)

Municipal bonds

 

 

248.3

 

 

 

(4.4

)

 

 

417.0

 

 

 

(69.3

)

 

 

665.3

 

 

 

(73.7

)

Foreign government bonds

 

 

29.8

 

 

 

(0.2

)

 

 

72.7

 

 

 

(6.9

)

 

 

102.5

 

 

 

(7.1

)

Governmental agency bonds

 

 

144.4

 

 

 

(5.3

)

 

 

37.9

 

 

 

(8.7

)

 

 

182.3

 

 

 

(14.0

)

Governmental agency mortgage-backed
   securities

 

 

2,977.2

 

 

 

(98.4

)

 

 

1,290.4

 

 

 

(245.4

)

 

 

4,267.6

 

 

 

(343.8

)

U.S. corporate debt securities

 

 

435.2

 

 

 

(9.6

)

 

 

117.5

 

 

 

(18.8

)

 

 

552.7

 

 

 

(28.4

)

Foreign corporate debt securities

 

 

159.4

 

 

 

(3.2

)

 

 

110.5

 

 

 

(9.2

)

 

 

269.9

 

 

 

(12.4

)

 

$

4,076.1

 

 

$

(122.9

)

 

$

2,098.9

 

 

$

(361.7

)

 

$

6,175.0

 

 

$

(484.6

)

Based on the Company’s review of its debt securities in an unrealized loss position it determined that the losses were due to non-credit factors and, therefore, it does not consider these securities to be credit impaired at December 31, 2025.

 

Investments in debt securities at December 31, 2025, by contractual maturities, are as follows:

 

(in millions)

 

Due in one
year or less

 

 

Due after
one
through
five years

 

 

Due after
five
through
ten years

 

 

Due after
ten years

 

 

Total

 

U.S. Treasury bonds

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

$

47.7

 

 

$

129.6

 

 

$

43.5

 

 

$

23.4

 

 

$

244.2

 

Estimated fair value

 

$

47.2

 

 

$

129.8

 

 

$

43.6

 

 

$

23.0

 

 

$

243.6

 

Municipal bonds

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

7.7

 

 

 

126.6

 

 

 

430.9

 

 

 

438.3

 

 

 

1,003.5

 

Estimated fair value

 

 

7.7

 

 

 

125.5

 

 

 

401.8

 

 

 

425.1

 

 

 

960.1

 

Foreign government bonds

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

64.1

 

 

 

127.0

 

 

 

44.7

 

 

 

3.6

 

 

 

239.4

 

Estimated fair value

 

 

64.2

 

 

 

124.7

 

 

 

43.5

 

 

 

2.8

 

 

 

235.2

 

Governmental agency bonds

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

0.6

 

 

 

0.8

 

 

 

207.5

 

 

 

59.4

 

 

 

268.3

 

Estimated fair value

 

 

0.6

 

 

 

0.8

 

 

 

206.3

 

 

 

53.3

 

 

 

261.0

 

U.S. corporate debt securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

11.3

 

 

 

494.8

 

 

 

395.1

 

 

 

131.6

 

 

 

1,032.8

 

Estimated fair value

 

 

11.3

 

 

 

499.3

 

 

 

400.6

 

 

 

123.6

 

 

 

1,034.8

 

Foreign corporate debt securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

23.0

 

 

 

310.9

 

 

 

96.6

 

 

 

36.1

 

 

 

466.6

 

Estimated fair value

 

 

23.0

 

 

 

315.0

 

 

 

98.9

 

 

 

34.3

 

 

 

471.2

 

Total debt securities, excluding mortgage-backed
   securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

$

154.4

 

 

$

1,189.7

 

 

$

1,218.3

 

 

$

692.4

 

 

$

3,254.8

 

Estimated fair value

 

$

154.0

 

 

$

1,195.1

 

 

$

1,194.7

 

 

$

662.1

 

 

$

3,205.9

 

Total mortgage-backed securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5,401.9

 

Estimated fair value

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5,260.8

 

Total debt securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

 

 

 

 

 

 

 

 

 

 

 

$

8,656.7

 

Estimated fair value

 

 

 

 

 

 

 

 

 

 

 

 

 

$

8,466.7

 

Mortgage-backed securities, which include contractual terms to maturity, are not categorized by contractual maturity as borrowers may have the right to call or prepay obligations with, or without, call or prepayment penalties.

The composition of the debt securities portfolio at December 31, 2025, by credit rating, is as follows:

 

 

A- or higher

 

 

BBB+ to BBB-

 

 

Non-Investment Grade

 

 

Total

 

(dollars in millions)

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

U.S. Treasury bonds

 

$

243.6

 

 

 

100.0

%

 

$

 

 

 

%

 

$

 

 

 

%

 

$

243.6

 

Municipal bonds

 

 

938.5

 

 

 

97.8

 

 

 

20.3

 

 

 

2.1

 

 

 

1.3

 

 

 

0.1

 

 

 

960.1

 

Foreign government bonds

 

 

228.5

 

 

 

97.2

 

 

 

5.9

 

 

 

2.5

 

 

 

0.8

 

 

 

0.3

 

 

 

235.2

 

Governmental agency bonds

 

 

261.0

 

 

 

100.0

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

261.0

 

Governmental agency
   mortgage-backed securities

 

 

5,260.8

 

 

 

100.0

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5,260.8

 

U.S. corporate debt securities

 

 

645.9

 

 

 

62.4

 

 

 

312.5

 

 

 

30.2

 

 

 

76.4

 

 

 

7.4

 

 

 

1,034.8

 

Foreign corporate debt securities

 

 

277.8

 

 

 

58.9

 

 

 

179.3

 

 

 

38.1

 

 

 

14.1

 

 

 

3.0

 

 

 

471.2

 

 

$

7,856.1

 

 

 

92.8

%

 

$

518.0

 

 

 

6.1

%

 

$

92.6

 

 

 

1.1

%

 

$

8,466.7

 

Included in debt securities at December 31, 2025, were bank loans totaling $49.0 million, of which $46.5 million were non-investment grade; high yield corporate debt securities totaling $41.7 million, all of which were non-investment grade; and emerging market debt securities totaling $30.7 million, of which $3.1 million were non-investment grade.

The composition of the debt securities portfolio in an unrealized loss position at December 31, 2025, by credit rating, is as follows:

 

 

A- or higher

 

 

BBB+ to BBB-

 

 

Non-Investment Grade

 

 

Total

 

(dollars in millions)

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

U.S. Treasury bonds

 

$

98.0

 

 

 

100.0

%

 

$

 

 

 

%

 

$

 

 

 

%

 

$

98.0

 

Municipal bonds

 

 

555.1

 

 

 

97.4

 

 

 

14.5

 

 

 

2.5

 

 

 

0.3

 

 

 

0.1

 

 

 

569.9

 

Foreign government bonds

 

 

133.0

 

 

 

97.8

 

 

 

2.5

 

 

 

1.8

 

 

 

0.5

 

 

 

0.4

 

 

 

136.0

 

Governmental agency bonds

 

 

239.5

 

 

 

100.0

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

239.5

 

Governmental agency
   mortgage-backed securities

 

 

2,467.9

 

 

 

100.0

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

2,467.9

 

U.S. corporate debt securities

 

 

176.9

 

 

 

65.4

 

 

 

81.7

 

 

 

30.2

 

 

 

12.0

 

 

 

4.4

 

 

 

270.6

 

Foreign corporate debt securities

 

 

49.6

 

 

 

49.0

 

 

 

47.0

 

 

 

46.4

 

 

 

4.7

 

 

 

4.6

 

 

 

101.3

 

 

$

3,720.0

 

 

 

95.7

%

 

$

145.7

 

 

 

3.8

%

 

$

17.5

 

 

 

0.5

%

 

$

3,883.2

 

 

Debt securities in an unrealized loss position at December 31, 2025, included bank loans totaling $8.1 million, of which $8.0 million were non-investment grade; high yield corporate debt securities totaling $8.1 million, all of which were non-investment grade; and emerging market debt securities totaling $13.6 million, of which $1.1 million were non-investment grade.

The credit ratings in the above tables reflect published ratings obtained from globally recognized securities rating agencies. If a security was rated differently among the rating agencies, the lowest rating was selected. Governmental agency mortgage-backed securities are not rated by any of the rating agencies; however, these securities have been included in the above table in the “A- or higher” rating category because the payments of principal and interest are guaranteed by the governmental agency that issued the security.

v3.25.4
Equity Securities
12 Months Ended
Dec. 31, 2025
Investments, Debt and Equity Securities [Abstract]  
Equity Securities

NOTE 4. Equity Securities:

Investments in equity securities, by accounting classification, are summarized as follows:

 

 

 

December 31,

 

(in millions)

 

2025

 

 

2024

 

Marketable equity securities

 

$

477.6

 

 

$

386.8

 

Non-marketable equity securities

 

 

273.5

 

 

 

202.4

 

Equity method investments

 

 

98.0

 

 

 

102.1

 

 

$

849.1

 

 

$

691.3

 

 

Investments in marketable equity securities are summarized as follows:

 

(in millions)

 

Cost

 

 

Unrealized
gains (losses)

 

 

Estimated
fair value

 

December 31, 2025

 

 

 

 

 

 

 

 

 

Common stocks

 

$

457.9

 

 

$

9.8

 

 

$

467.7

 

Preferred stocks

 

 

9.0

 

 

 

0.9

 

 

 

9.9

 

 

$

466.9

 

 

$

10.7

 

 

$

477.6

 

December 31, 2024

 

 

 

 

 

 

 

 

 

Common stocks

 

$

397.3

 

 

$

(22.6

)

 

$

374.7

 

Preferred stocks

 

 

12.0

 

 

 

0.1

 

 

 

12.1

 

 

$

409.3

 

 

$

(22.5

)

 

$

386.8

 

Net gains of $51.1 million and $4.3 million resulting from changes in the fair values of marketable equity securities were recognized for the years ended December 31, 2025 and 2024, respectively, which included net unrealized gains of $47.9 million and $0.9 million on securities still held at December 31, 2025 and 2024, respectively. Included in net gains during the years ended December 31, 2025 and 2024 were unrealized losses of $8.4 million and $37.9 million, respectively, related to the Company's investment in Offerpad Solutions Inc., a tech-enabled real estate company.

A summary of the changes in the carrying amounts of non-marketable equity securities, which primarily relate to the Company's venture investment portfolio, for the years ended December 31, 2025 and 2024, is as follows:

 

 

 

Year ended December 31,

 

(in millions)

 

2025

 

 

2024

 

Carrying amount, beginning of period

 

$

202.4

 

 

$

224.1

 

Net additions

 

 

45.0

 

 

 

6.0

 

Gross unrealized gains

 

 

35.3

 

 

 

1.5

 

Gross unrealized losses and impairments

 

 

(9.2

)

 

 

(29.2

)

Carrying amount, end of period

 

$

273.5

 

 

$

202.4

 

Cumulative gross unrealized gains and cumulative gross unrealized losses and impairments related to non-marketable equity securities at December 31, 2025 and 2024, are summarized as follows:

 

 

December 31,

 

(in millions)

 

2025

 

 

2024

 

Cumulative gross unrealized gains

 

$

280.1

 

 

$

244.8

 

Cumulative gross unrealized losses and impairments

 

$

360.8

 

 

$

351.6

 

v3.25.4
Allowance for Credit Losses – Accounts Receivable
12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Allowance for Credit Losses – Accounts Receivable

NOTE 5. Allowance for Credit Losses – Accounts Receivable:

Activity in the allowance for credit losses on accounts receivable is summarized as follows:

 

 

 

Year Ended December 31,

 

(in millions)

 

2025

 

 

2024

 

Balance at beginning of period

 

$

21.5

 

 

$

21.8

 

Provision for expected credit losses

 

 

9.5

 

 

 

8.7

 

Write-offs/recoveries

 

 

(7.1

)

 

 

(9.0

)

Balance at end of period

 

$

23.9

 

 

$

21.5

 

v3.25.4
Property and Equipment
12 Months Ended
Dec. 31, 2025
Property, Plant and Equipment [Abstract]  
Property and Equipment

NOTE 6. Property and Equipment:

Property and equipment is summarized as follows:

 

 

December 31,

 

(in millions)

 

2025

 

 

2024

 

Land

 

$

25.2

 

 

$

26.5

 

Buildings

 

 

199.3

 

 

 

195.8

 

Leasehold improvements

 

 

61.0

 

 

 

66.5

 

Furniture and equipment

 

 

174.0

 

 

 

175.7

 

Capitalized internal-use software

 

 

1,336.4

 

 

 

1,283.2

 

 

 

1,795.9

 

 

 

1,747.7

 

Accumulated depreciation and amortization

 

 

(1,113.6

)

 

 

(1,002.6

)

 

$

682.3

 

 

$

745.1

 

 

v3.25.4
Leases
12 Months Ended
Dec. 31, 2025
Leases [Abstract]  
Leases

NOTE 7. Leases:

Lease assets and liabilities are summarized as follows:

 

 

December 31,

 

 

 

(in millions)

 

2025

 

 

2024

 

 

Classification

Assets

 

 

 

 

 

 

 

 

Operating lease assets

 

$

205.7

 

 

$

214.7

 

 

Operating lease assets

Finance lease assets

 

 

3.9

 

 

 

6.2

 

 

Other assets

Total lease assets

 

$

209.6

 

 

$

220.9

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities

 

 

 

 

 

 

 

 

Operating lease liabilities

 

$

218.2

 

 

$

229.9

 

 

Operating lease liabilities

Finance lease liabilities

 

 

3.7

 

 

 

5.7

 

 

Notes and contracts payable

Total lease liabilities

 

$

221.9

 

 

$

235.6

 

 

 

 

The components of lease expense are summarized as follows:

 

 

 

Year ended December 31,

 

 

 

(in millions)

 

2025

 

 

2024

 

 

2023

 

 

Classification

Operating lease cost

 

$

80.8

 

 

$

85.6

 

 

$

89.0

 

 

Other operating expenses

Finance lease cost:

 

 

 

 

 

 

 

 

 

 

 

Amortization of lease assets

 

 

2.3

 

 

 

2.7

 

 

 

1.7

 

 

Depreciation and amortization

Interest of lease liabilities

 

 

0.1

 

 

 

0.2

 

 

 

0.1

 

 

Interest

Variable lease cost

 

 

30.2

 

 

 

29.7

 

 

 

31.8

 

 

Other operating expenses

Short-term lease cost

 

 

1.4

 

 

 

1.4

 

 

 

2.1

 

 

Other operating expenses

Sublease income

 

 

(3.2

)

 

 

(2.7

)

 

 

(2.7

)

 

Information and other

Net lease cost

 

$

111.6

 

 

$

116.9

 

 

$

122.0

 

 

 

 

Future minimum lease payments under operating and finance leases with noncancelable lease terms, as of December 31, 2025, are summarized as follows:

 

(in millions)

 

Operating
Leases

 

 

Finance
Leases

 

 

Total

 

2026

 

$

75.9

 

 

$

2.0

 

 

$

77.9

 

2027

 

 

58.5

 

 

 

0.8

 

 

 

59.3

 

2028

 

 

39.4

 

 

 

0.8

 

 

 

40.2

 

2029

 

 

26.1

 

 

 

0.2

 

 

 

26.3

 

2030

 

 

17.9

 

 

 

 

 

 

17.9

 

Thereafter

 

 

31.1

 

 

 

 

 

 

31.1

 

Total lease payments

 

 

248.9

 

 

 

3.8

 

 

 

252.7

 

Interest

 

 

(30.7

)

 

 

(0.1

)

 

 

(30.8

)

Present value of lease liabilities

 

$

218.2

 

 

$

3.7

 

 

$

221.9

 

 

Information related to lease terms and discount rates is summarized as follows:

 

 

December 31,

 

 

2025

 

 

2024

 

Weighted-average remaining lease terms (years):

 

 

 

 

 

 

Operating leases

 

 

4.5

 

 

 

4.5

 

Finance leases

 

 

2.5

 

 

 

3.2

 

Weighted-average discount rates:

 

 

 

 

 

 

Operating leases

 

 

5.40

%

 

 

5.03

%

Finance leases

 

 

2.33

%

 

 

2.29

%

 

Cash flow information related to lease liabilities is summarized as follows:

 

 

 

Year ended December 31,

 

(in millions)

 

2025

 

 

2024

 

 

2023

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

 

 

 

 

 

 

 

Operating cash flows from operating leases

 

$

83.8

 

 

$

87.4

 

 

$

91.5

 

Operating cash flows from finance leases

 

$

0.1

 

 

$

0.2

 

 

$

0.1

 

Financing cash flows from finance leases

 

$

2.3

 

 

$

2.6

 

 

$

1.8

 

Operating lease assets obtained in exchange for new operating lease liabilities

 

$

57.1

 

 

$

61.7

 

 

$

58.9

 

Finance lease assets obtained in exchange for new finance lease liabilities

 

$

 

 

$

6.1

 

 

$

1.5

 

 

v3.25.4
Goodwill
12 Months Ended
Dec. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
Goodwill

NOTE 8. Goodwill:

A summary of the changes in the carrying amounts of goodwill, by reportable segment, for the years ended December 31, 2025 and 2024, is as follows:

 

(in millions)

 

Title
Insurance
and Services

 

 

Home Warranty

 

 

Total

 

Balance as of December 31, 2023

 

$

1,766.6

 

 

$

40.9

 

 

$

1,807.5

 

Acquisitions

 

 

1.4

 

 

 

 

 

 

1.4

 

Foreign currency translation

 

 

(4.6

)

 

 

 

 

 

(4.6

)

Balance as of December 31, 2024

 

$

1,763.4

 

 

$

40.9

 

 

$

1,804.3

 

Acquisitions

 

 

10.5

 

 

 

 

 

 

10.5

 

Foreign currency translation

 

 

4.5

 

 

 

 

 

 

4.5

 

Balance as of December 31, 2025

 

$

1,778.4

 

 

$

40.9

 

 

$

1,819.3

 

 

v3.25.4
Other Intangible Assets
12 Months Ended
Dec. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
Other Intangible Assets

NOTE 9. Other Intangible Assets:

Other intangible assets are summarized as follows:

 

 

December 31,

 

(in millions)

 

2025

 

 

2024

 

Finite-lived intangible assets:

 

 

 

 

 

 

Customer relationships

 

$

148.8

 

 

$

160.8

 

Noncompete agreements

 

 

4.5

 

 

 

10.5

 

Trademarks

 

 

70.9

 

 

 

70.7

 

Internal-use software licenses

 

 

19.5

 

 

 

21.7

 

Patents

 

 

2.8

 

 

 

2.8

 

 

 

246.5

 

 

 

266.5

 

Accumulated amortization

 

 

(163.4

)

 

 

(158.2

)

 

 

83.1

 

 

 

108.3

 

Indefinite-lived intangible assets:

 

 

 

 

 

 

Licenses

 

 

16.9

 

 

 

16.9

 

 

$

100.0

 

 

$

125.2

 

 

Amortization expense for finite-lived intangible assets was $37.6 million, $44.4 million and $51.5 million for the years ended December 31, 2025, 2024 and 2023, respectively.

Estimated amortization expense for finite-lived intangible assets for the next five years is as follows:

 

Year

 

(in millions)

 

2026

 

$

32.4

 

2027

 

$

14.5

 

2028

 

$

8.7

 

2029

 

$

6.0

 

2030

 

$

5.2

 

 

v3.25.4
Deposits
12 Months Ended
Dec. 31, 2025
Banking And Thrifts [Abstract]  
Deposits

NOTE 10. Deposits:

Deposit accounts are summarized as follows:

 

 

December 31,

 

(dollars in millions)

 

2025

 

 

2024

 

Escrow deposits:

 

 

 

 

 

 

Interest bearing

 

$

1,649.3

 

 

$

1,999.9

 

Non-interest bearing

 

 

2,295.0

 

 

 

2,247.8

 

 

 

3,944.3

 

 

 

4,247.7

 

Mortgage loan subservicing deposits:

 

 

 

 

 

 

Interest bearing

 

 

1,040.4

 

 

 

606.5

 

Like-kind exchange deposits:

 

 

 

 

 

 

Interest bearing

 

 

93.6

 

 

 

 

Other deposits

 

 

214.4

 

 

 

193.9

 

 

$

5,292.7

 

 

$

5,048.1

 

Weighted-average interest rate:

 

 

 

 

 

 

Interest bearing deposit accounts

 

 

1.84

%

 

 

1.89

%

v3.25.4
Reserve for Known and Incurred but Not Reported Claims
12 Months Ended
Dec. 31, 2025
Insurance Loss Reserves [Abstract]  
Reserve for Known and Incurred but Not Reported Claims

NOTE 11. Reserve for Known and Incurred But Not Reported Claims:

Activity in the reserve for known and incurred but not reported claims is summarized as follows:

 

 

December 31,

 

(in millions)

 

2025

 

 

2024

 

 

2023

 

Balance at beginning of year

 

$

1,193.4

 

 

$

1,282.4

 

 

$

1,325.3

 

Provision related to:

 

 

 

 

 

 

 

 

 

Current year

 

 

370.9

 

 

 

357.3

 

 

 

354.6

 

Prior years

 

 

(44.3

)

 

 

(37.3

)

 

 

(18.3

)

 

 

326.6

 

 

 

320.0

 

 

 

336.3

 

Payments, net of recoveries, related to:

 

 

 

 

 

 

 

 

 

Current year

 

 

186.4

 

 

 

204.6

 

 

 

199.6

 

Prior years

 

 

172.0

 

 

 

193.2

 

 

 

182.2

 

 

 

358.4

 

 

 

397.8

 

 

 

381.8

 

Other

 

 

8.0

 

 

 

(11.2

)

 

 

2.6

 

Balance at end of year

 

$

1,169.6

 

 

$

1,193.4

 

 

$

1,282.4

 

The provisions for title insurance losses, expressed as a percentage of title insurance premiums and escrow fees, were 3.0% for the years ended December 31, 2025 and 2024, and 3.25% for the year ended December 31, 2023.

The 3.0% loss provision rate in the current year reflects an ultimate loss rate of 3.75% for the current policy year and a reserve release of 0.75%, or $39.8 million, for prior policy years, all of which are based on title insurance premiums and escrow fees for the year ended December 31, 2025.

The 2024 loss provision rate of 3.0% reflected an ultimate loss rate of 3.75% for the 2024 policy year and a reserve release of 0.75%, or $34.6 million, for prior policy years, all of which are based on title insurance premiums and escrow fees for the year ended December 31, 2024.

The 2023 loss provision rate of 3.25% reflected an ultimate loss rate of 3.75% for the 2023 policy year and a reserve release of 0.5%, or $21.6 million, for prior policy years, all of which are based on title insurance premiums and escrow fees for the year ended December 31, 2023.

A summary of the Company’s loss reserves is as follows:

 

 

December 31,

 

(dollars in millions)

 

2025

 

 

2024

 

Known title claims

 

$

54.6

 

 

 

4.7

%

 

$

55.3

 

 

 

4.6

%

IBNR title claims

 

 

1,095.9

 

 

 

93.7

%

 

 

1,109.4

 

 

 

93.0

%

Total title claims

 

 

1,150.5

 

 

 

98.4

%

 

 

1,164.7

 

 

 

97.6

%

Non-title claims

 

 

19.1

 

 

 

1.6

%

 

 

28.7

 

 

 

2.4

%

Total loss reserves

 

$

1,169.6

 

 

 

100.0

%

 

$

1,193.4

 

 

 

100.0

%

Short-Duration Insurance Contracts

Home Warranty

The following reflects information as of December 31, 2025 about incurred and paid claims development as well as cumulative claims frequency by claims event and the total of incurred but not reported claims plus expected development on reported claims included with the net incurred claims amounts.

The information below about incurred and paid claims development for the years ended December 31, 2016 to 2024, is presented as supplementary information.

 

Incurred claims and allocated claim adjustment expenses

 

 

December 31, 2025

 

Accident

 

Years ended December 31,

 

 

Cumulative number of reported

 

Year

 

2016*

 

 

2017*

 

 

2018*

 

 

2019*

 

 

2020*

 

 

2021*

 

 

2022*

 

 

2023*

 

 

2024*

 

 

2025

 

 

claims

 

 

(in millions)

 

2016

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

$

172.7

 

 

 

1.0

 

2017

 

 

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

1.0

 

2018

 

 

 

 

 

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

1.1

 

2019

 

 

 

 

 

 

 

 

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

1.1

 

2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

1.2

 

2021

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

218.2

 

 

 

218.2

 

 

 

218.2

 

 

 

218.2

 

 

 

218.2

 

 

 

1.2

 

2022

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

211.8

 

 

 

211.8

 

 

 

211.8

 

 

 

211.8

 

 

 

1.1

 

2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

193.2

 

 

 

193.2

 

 

 

193.2

 

 

 

1.0

 

2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

184.4

 

 

 

184.4

 

 

 

1.0

 

2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

171.9

 

 

 

0.9

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

$

1,870.7

 

 

 

 

 

*Amounts unaudited.

 

 

Cumulative paid claims and allocated claim adjustment expenses

 

Accident

 

Years ended December 31,

 

Year

 

2016*

 

 

2017*

 

 

2018*

 

 

2019*

 

 

2020*

 

 

2021*

 

 

2022*

 

 

2023*

 

 

2024*

 

 

2025

 

 

(in millions)

 

2016

 

 

155.4

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

$

172.7

 

2017

 

 

 

 

 

151.1

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

2018

 

 

 

 

 

 

 

 

163.0

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

2019

 

 

 

 

 

 

 

 

 

 

 

159.2

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

177.8

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

2021

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

198.7

 

 

 

218.2

 

 

 

218.2

 

 

 

218.2

 

 

 

218.2

 

2022

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

192.3

 

 

 

211.8

 

 

 

211.8

 

 

 

211.8

 

2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

177.5

 

 

 

193.2

 

 

 

193.2

 

2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

169.0

 

 

 

184.4

 

2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

158.4

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

$

1,857.2

 

 

 

 

 

All outstanding liabilities before 2016

 

 

 

 

 

 

 

 

Liabilities for claims and claims adjustment expenses

 

 

$

13.5

 

 

*Amounts unaudited.

A reconciliation of the net incurred and paid claims development tables to the liability for claims and claim adjustment expense at December 31, 2025, is as follows:

 

 

 

December 31, 2025

 

 

 

(in millions)

 

Liability for unpaid claims and claim adjustment expenses  short-duration:

 

 

 

Home warranty

 

$

13.5

 

Property and casualty insurance

 

 

5.6

 

 

 

 

19.1

 

Insurance lines other than short-duration:

 

 

 

Title insurance

 

 

1,150.5

 

Total liability for unpaid claims and claims adjustment expenses

 

$

1,169.6

 

Supplementary information about average historical claims duration for the Company’s home warranty business as of December 31, 2025, is as follows:

 

Average annual percentage payout of incurred claims by age (unaudited)

Years

 

 

1

 

 

 

2

 

 

Annual payout

 

 

90.9

%

 

 

9.1

%

 

 

v3.25.4
Notes and Contracts Payable
12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
Notes and Contracts Payable

NOTE 12. Notes and Contracts Payable:

 

 

December 31,

 

 

2025

 

 

2024

 

 

(dollars in millions)

 

5.45% senior unsecured notes due September 30, 2034, effective interest rate of
   
5.49%

 

$

450.0

 

 

$

450.0

 

2.40% senior unsecured notes due August 15, 2031, effective interest rate of 2.44%

 

 

650.0

 

 

 

650.0

 

4.00% senior unsecured notes due May 15, 2030, effective interest rate of 4.05%

 

 

450.0

 

 

 

450.0

 

Other notes and contracts payable with maturities through 2029, weighted
   -average interest rates of
3.99% and 3.77%

 

 

7.8

 

 

 

11.0

 

 

 

1,557.8

 

 

 

1,561.0

 

Unamortized discounts and debt issuance costs

 

 

(12.4

)

 

 

(14.4

)

 

$

1,545.4

 

 

$

1,546.6

 

The Company maintains a senior unsecured credit agreement with JPMorgan Chase Bank, N.A., in its capacity as administrative agent, and the lenders party thereto that provides for a $900.0 million revolving credit facility. The credit agreement includes an expansion option that permits the Company, subject to satisfaction of certain conditions, to increase the revolving commitments and/or add term loan tranches in an aggregate amount not to exceed $450.0 million. The obligations of the Company under the credit agreement are neither secured nor guaranteed. Proceeds from borrowings made from time to time under the credit agreement may be used for general corporate purposes. Unless terminated earlier, the credit agreement will terminate on May 17, 2028. At December 31, 2025, the Company had no outstanding borrowings under the facility.

At the Company’s election, borrowings of revolving loans under the credit agreement bear interest at (a) the Alternate Base Rate plus the applicable spread, (b) the Adjusted Term SOFR Rate plus the applicable spread, or (c) the Adjusted Daily Simple SOFR plus the applicable spread (in each case as defined in the credit agreement). The Company may select interest periods of one, three or six months for Adjusted Term SOFR Rate borrowings of loans. The applicable spread varies depending upon the Debt Rating assigned by Moody’s Investor Service, Inc., Standard & Poor's Rating Services and/or Fitch Ratings Inc. The minimum applicable spread for Alternate Base Rate borrowings is 0.125% and the maximum is 0.75%. The minimum applicable spread for Adjusted Term SOFR Rate and Adjusted Daily Simple SOFR borrowings is 1.125% and the maximum is 1.75%. The Alternate Base Rate is subject to a floor of 1.00% and the Adjusted Term SOFR Rate and the Adjusted Daily Simple SOFR are each subject to a floor of 0.00%. The rate of interest on any term loans incurred in connection with the expansion option will be established at or about the time such loans are made and may differ from the rate of interest on revolving loans.

The credit agreement includes representations and warranties, reporting covenants, affirmative covenants, negative covenants, financial covenants and events of default customary for financings of this type. Upon the occurrence of an event of default the lenders may accelerate the loans. Upon the occurrence of certain insolvency and bankruptcy events of default the loans will automatically accelerate. As of December 31, 2025, the Company was in compliance with the financial covenants under the credit agreement.

The aggregate annual maturities for notes and contracts payable for the next five years and thereafter are summarized as follows:

 

Year

 

Annual maturities

 

 

(in millions)

 

2026

 

$

3.4

 

2027

 

 

2.2

 

2028

 

 

2.0

 

2029

 

 

0.2

 

2030

 

 

450.0

 

Thereafter

 

 

1,100.0

 

 

$

1,557.8

 

 

v3.25.4
Net Investment Income
12 Months Ended
Dec. 31, 2025
Net Investment Income [Abstract]  
Net Investment Income

NOTE 13. Net Investment Income:

Net investment income includes interest and earnings on the following investments:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Deposits and other investments

 

$

331.6

 

 

$

282.3

 

 

$

303.5

 

Debt securities

 

 

255.9

 

 

 

244.6

 

 

 

231.7

 

Deferred compensation plan assets

 

 

18.6

 

 

 

19.5

 

 

 

21.9

 

Dividends on equity securities

 

 

10.8

 

 

 

10.4

 

 

 

10.5

 

Equity in earnings of affiliates, net

 

 

7.2

 

 

 

7.4

 

 

 

5.4

 

 

 

 

624.1

 

 

 

564.2

 

 

 

573.0

 

Investment expenses

 

 

(3.1

)

 

 

(3.2

)

 

 

(3.0

)

Net investment income

 

$

621.0

 

 

$

561.0

 

 

$

570.0

 

 

v3.25.4
Income Taxes
12 Months Ended
Dec. 31, 2025
Income Tax Disclosure [Abstract]  
Income Taxes

NOTE 14. Income Taxes:

For the years ended December 31, 2025, 2024 and 2023, domestic and foreign pretax income, before noncontrolling interests, were $684.4 million and $141.8 million, $83.2 million and $82.2 million, and $193.4 million and $81.0 million, respectively.

Income taxes are summarized as follows:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Current:

 

 

 

 

 

 

 

 

 

Federal

 

$

24.2

 

 

$

(0.7

)

 

$

55.4

 

State

 

 

11.7

 

 

 

6.1

 

 

 

2.8

 

Foreign

 

 

27.3

 

 

 

17.3

 

 

 

11.6

 

 

 

63.2

 

 

 

22.7

 

 

 

69.8

 

Deferred:

 

 

 

 

 

 

 

 

 

Federal

 

 

114.6

 

 

 

21.4

 

 

 

(8.6

)

State

 

 

17.5

 

 

 

(16.6

)

 

 

(10.9

)

Foreign

 

 

5.7

 

 

 

5.3

 

 

 

8.6

 

 

 

137.8

 

 

 

10.1

 

 

 

(10.9

)

 

$

201.0

 

 

$

32.8

 

 

$

58.9

 

 

 

The Company’s actual income tax expense differs from the expense computed by applying the federal statutory income tax rate of 21% for the years ended December 31, 2025, 2024 and 2023. A reconciliation of these differences is as follows:

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(dollars in millions)

 

U.S. federal statutory tax

 

$

173.5

 

 

 

21.0

%

 

$

34.7

 

 

 

21.0

%

 

$

57.6

 

 

 

21.0

%

State and local income taxes, net of
   federal income tax effect
(a)

 

 

23.0

 

 

 

2.8

 

 

 

(8.3

)

 

 

(5.0

)

 

 

(6.4

)

 

 

(2.3

)

Foreign tax effects

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Australia

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

IFRS 17 adjustments

 

 

(2.1

)

 

 

(0.3

)

 

 

2.1

 

 

 

1.3

 

 

 

 

 

 

 

Other

 

 

2.7

 

 

 

0.3

 

 

 

(2.4

)

 

 

(1.5

)

 

 

(1.1

)

 

 

(0.4

)

Canada

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Statutory tax rate difference between
   Canada and United States

 

 

(4.4

)

 

 

(0.5

)

 

 

(3.3

)

 

 

(2.0

)

 

 

(2.3

)

 

 

(0.8

)

Provincial and territorial income taxes (b)

 

 

8.4

 

 

 

1.0

 

 

 

6.3

 

 

 

3.8

 

 

 

4.4

 

 

 

1.6

 

IFRS 17 adjustments

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3.1

 

 

 

1.1

 

Other

 

 

0.1

 

 

 

 

 

 

(0.4

)

 

 

(0.2

)

 

 

(1.2

)

 

 

(0.4

)

India

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Withholding tax

 

 

2.0

 

 

 

0.2

 

 

 

2.0

 

 

 

1.2

 

 

 

 

 

 

 

Other

 

 

1.4

 

 

 

0.2

 

 

 

1.2

 

 

 

0.7

 

 

 

3.1

 

 

 

1.1

 

United Kingdom

 

 

(4.5

)

 

 

(0.5

)

 

 

0.4

 

 

 

0.2

 

 

 

0.6

 

 

 

0.2

 

Other foreign jurisdictions

 

 

(0.4

)

 

 

 

 

 

(0.6

)

 

 

(0.4

)

 

 

0.3

 

 

 

0.1

 

Effect of changes in tax laws or rates enacted
   in the current period

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Effect of cross-border tax laws

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Global intangible low-taxed income

 

 

0.4

 

 

 

 

 

 

(0.9

)

 

 

(0.5

)

 

 

0.1

 

 

 

 

Foreign branch income

 

 

3.5

 

 

 

0.4

 

 

 

3.3

 

 

 

2.0

 

 

 

2.6

 

 

 

0.9

 

Unremitted foreign earnings

 

 

3.4

 

 

 

0.4

 

 

 

(1.4

)

 

 

(0.8

)

 

 

1.2

 

 

 

0.4

 

Tax credits

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Research and development tax credits

 

 

(5.6

)

 

 

(0.7

)

 

 

(11.1

)

 

 

(6.7

)

 

 

(17.3

)

 

 

(6.3

)

Foreign tax credits

 

 

(4.6

)

 

 

(0.6

)

 

 

(3.5

)

 

 

(2.1

)

 

 

 

 

 

 

Changes in valuation allowances

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capital loss carryover

 

 

 

 

 

 

 

 

12.2

 

 

 

7.4

 

 

 

7.7

 

 

 

2.8

 

Foreign tax credits

 

 

1.3

 

 

 

0.2

 

 

 

(0.8

)

 

 

(0.5

)

 

 

 

 

 

 

Nontaxable or nondeductible items

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tax exempt interest income

 

 

(6.7

)

 

 

(0.8

)

 

 

(6.4

)

 

 

(3.9

)

 

 

(7.2

)

 

 

(2.5

)

Meals and entertainment

 

 

2.6

 

 

 

0.3

 

 

 

2.2

 

 

 

1.3

 

 

 

1.7

 

 

 

0.6

 

Key man life insurance

 

 

(2.1

)

 

 

(0.3

)

 

 

(2.2

)

 

 

(1.3

)

 

 

(1.7

)

 

 

(0.6

)

Share-based compensation

 

 

4.1

 

 

 

0.5

 

 

 

2.3

 

 

 

1.4

 

 

 

 

 

 

 

Other

 

 

1.1

 

 

 

0.1

 

 

 

0.7

 

 

 

0.4

 

 

 

3.7

 

 

 

1.3

 

Changes in unrecognized tax benefits

 

 

3.6

 

 

 

0.4

 

 

 

6.8

 

 

 

4.1

 

 

 

10.7

 

 

 

3.9

 

Other adjustments

 

 

0.3

 

 

 

0.2

 

 

 

(0.1

)

 

 

(0.1

)

 

 

(0.7

)

 

 

(0.2

)

 

$

201.0

 

 

 

24.3

%

 

$

32.8

 

 

 

19.8

%

 

$

58.9

 

 

 

21.5

%

 

(a)
State taxes in California made up the majority (greater than 50 percent) of the tax effect in this category.
(b)
Provincial taxes in Ontario made up the majority (greater than 50 percent) of the tax effect in this category.

 

The Company’s effective income tax rates (income tax expense as a percentage of income before income taxes) were 24.3%, 19.8%, and 21.5% for the years ended December 31, 2025, 2024, and 2023, respectively. The effective income tax rates differ from the federal statutory rate as a result of state and foreign income taxes for which the Company is liable, as well as

permanent differences between amounts reported for financial statement purposes and amounts reported for income tax purposes, including the recognition of excess tax benefits or tax deficiencies associated with share-based payment transactions through income tax expense. In addition, the effective tax rates reflect tax credits claimed in current and prior years. The effective income tax rates for 2024 and 2023 also reflect the impact on pretax earnings from impairment losses on the Company’s venture investment portfolio and adjustments to the valuation allowance resulting from losses on certain equity investments and, for 2024, realized losses from sales of debt securities in an unrealized loss position in connection with the Company’s portfolio rebalancing project.

The primary components of temporary differences that give rise to the Company’s net deferred tax liability are as follows:

 

December 31,

 

 

2025

 

 

2024

 

 

(in millions)

 

Deferred tax assets:

 

 

 

 

 

 

Deferred revenue

 

$

9.9

 

 

$

10.4

 

Employee benefits

 

 

109.9

 

 

 

103.9

 

Bad debt reserves

 

 

9.1

 

 

 

7.9

 

Pension

 

 

11.7

 

 

 

11.3

 

Net operating loss carryforward

 

 

17.5

 

 

 

27.6

 

Foreign tax credit

 

 

3.0

 

 

 

3.5

 

Operating lease liabilities

 

 

44.4

 

 

 

47.1

 

Investments in affiliates

 

 

15.6

 

 

 

17.2

 

Securities

 

 

49.4

 

 

 

124.1

 

Other

 

 

19.2

 

 

 

17.5

 

 

 

289.7

 

 

 

370.5

 

Valuation allowance

 

 

(29.4

)

 

 

(27.9

)

 

 

260.3

 

 

 

342.6

 

Deferred tax liabilities:

 

 

 

 

 

 

Depreciable and amortizable assets

 

 

(378.0

)

 

 

(264.6

)

Claims and related salvage

 

 

(129.3

)

 

 

(119.2

)

Operating lease assets

 

 

(41.3

)

 

 

(43.2

)

Unremitted foreign earnings

 

 

(15.0

)

 

 

(10.9

)

 

 

(563.6

)

 

 

(437.9

)

Net deferred tax asset (liability)

 

$

(303.3

)

 

$

(95.3

)

 

At December 31, 2025, the Company had available a $1.4 million foreign tax credit carryover, net of a valuation allowance, and expects to utilize this credit within the carryover period.

At December 31, 2025, the Company had available net operating loss carryforwards for income tax purposes totaling $269.4 million, consisting of federal, state and foreign losses of $15.5 million, $244.3 million and $9.6 million, respectively. Of the aggregate net operating losses, $41.0 million has an indefinite expiration and $228.4 million will begin to expire in various years starting in 2026.

The Company evaluates the realizability of its deferred tax assets by assessing the valuation allowance and makes adjustments to the allowance as necessary. The factors used by the Company in assessing the likelihood of realization of its deferred tax assets include forecasts of future taxable income and available tax planning strategies that could be implemented. The Company’s ability to achieve forecasted taxable income in the applicable taxing jurisdictions could affect the ultimate realization of its deferred tax assets. At December 31, 2025 and 2024, the Company carried valuation allowances of $29.4 million and $27.9 million, respectively. Of these amounts, $24.7 million related to capital losses in both 2025 and 2024, with remaining valuation allowances of $4.7 million and $3.2 million, respectively, related to net operating losses and other deferred tax assets. The increase in the overall valuation allowance during 2025 was primarily due to the Company’s assessment of its ability to realize tax benefits related to other deferred tax assets. Based on future operating results in certain jurisdictions, it is possible that the current valuation allowance positions of those jurisdictions could be adjusted during the next 12 months.

Income taxes paid are summarized as follows:

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Income taxes paid (refunded):

 

 

 

 

 

 

 

 

 

Federal

 

$

17.9

 

 

$

(10.5

)

 

$

96.1

 

State

 

 

5.7

 

 

 

(4.1

)

 

 

9.0

 

Foreign

 

 

27.9

 

 

 

13.1

 

 

 

14.9

 

 

$

51.5

 

 

$

(1.5

)

 

$

120.0

 

 

Income taxes paid (net of refunds) exceeded 5 percent of total income tax paid (net of refunds) in the following jurisdictions:

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Federal

 

$

17.9

 

 

$

(10.5

)

 

$

96.1

 

State

 

 

 

 

 

 

 

 

 

Arizona

 

*

 

 

 

(0.1

)

 

*

 

California

 

*

 

 

 

(10.5

)

 

*

 

Florida

 

*

 

 

 

3.4

 

 

*

 

Idaho

 

*

 

 

 

0.4

 

 

*

 

Illinois

 

*

 

 

 

0.6

 

 

*

 

Louisiana

 

*

 

 

 

0.2

 

 

*

 

Maryland

 

*

 

 

 

0.1

 

 

*

 

Montana

 

*

 

 

 

(0.1

)

 

*

 

New York

 

*

 

 

 

0.6

 

 

*

 

Oregon

 

*

 

 

 

0.4

 

 

*

 

Pennsylvania

 

*

 

 

 

0.1

 

 

*

 

Tennessee

 

*

 

 

 

0.2

 

 

*

 

Texas

 

*

 

 

 

0.5

 

 

*

 

 

 

 

 

 

 

 

 

 

 

Foreign

 

 

 

 

 

 

 

 

 

Australia

 

*

 

 

 

0.9

 

 

*

 

New Zealand

 

*

 

 

 

0.1

 

 

*

 

India

 

 

5.4

 

 

 

5.8

 

 

8.6

 

Canada

 

 

17.6

 

 

 

3.2

 

 

*

 

England

 

 

5.4

 

 

 

3.1

 

 

*

 

 

* Jurisdiction below the threshold for the period presented.

Effective in 2024, the Company is subject to international anti-base erosion rules that assess a minimum tax rate of 15% in the jurisdictions in which it operates. Commonly known as “Pillar II,” these rules apply to large multinational enterprises and are designed to address the tax challenges arising from the globalization and digitalization of the economy. The Company has calculated the minimum tax on a jurisdiction-by-jurisdiction basis and has determined that the resulting tax is not material to its financial results.

The vesting of RSUs represents a tax benefit that has been reflected as a reduction to income taxes payable and income tax expense for the years ended December 31, 2025, 2024 and 2023. The tax benefits recorded were $0.8 million, $0.3 million and $0.7 million for the years ended December 31, 2025, 2024 and 2023, respectively.

As of December 31, 2025, 2024 and 2023, the liability for income taxes associated with uncertain tax positions was $34.4 million, $31.6 million and $12.4 million, respectively. The net increases in 2025 and 2024 were primarily attributable to positions taken on the Company’s tax returns for current and prior years. The liabilities could be reduced by $3.7 million as of both December 31, 2025 and 2024, and $0.8 million as of December 31, 2023, due to offsetting tax benefits associated with the correlative effects of potential adjustments, including timing adjustments and state income taxes. The net liability, if recognized, would favorably affect the Company’s effective income tax rate.

A reconciliation of the beginning and ending amounts of unrecognized tax benefits for the years ended December 31, 2025, 2024 and 2023 is as follows:

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Unrecognized tax benefits—beginning balance

 

$

31.6

 

 

$

12.4

 

 

$

3.2

 

Gross increases—prior period tax positions

 

 

0.6

 

 

 

14.8

 

 

 

8.4

 

Gross increases—current period tax positions

 

 

2.5

 

 

 

4.4

 

 

 

5.2

 

Settlements with taxing authorities

 

 

(0.3

)

 

 

 

 

 

(4.4

)

Unrecognized tax benefits—ending balance

 

$

34.4

 

 

$

31.6

 

 

$

12.4

 

The Company’s continuing practice is to recognize interest and penalties related to uncertain tax positions in income tax expense. Accrued interest and penalties, net of tax benefits, related to uncertain tax positions as of December 31, 2025, 2024, and 2023, were not material.

The Company, or one of its subsidiaries, files income tax returns in the U.S. federal jurisdiction, various state jurisdictions and in various non-U.S. jurisdictions. The primary non-federal jurisdictions are California, Canada, India and the United Kingdom. As of December 31, 2025, the Company is generally no longer subject to income tax examinations for U.S. federal, state and non-U.S. jurisdictions for years prior to 2022, 2019 and 2014, respectively.

The Company records a liability for potential tax assessments based on its estimate of the potential exposure. New tax laws and new interpretations of laws and rulings by taxing authorities may affect the liability for potential tax assessments. Due to the subjectivity and complex nature of the underlying issues, actual payments or assessments may differ from estimates. To the extent that the Company’s estimates differ from actual payments or assessments, income tax expense could change. The Company’s income tax returns in several jurisdictions are being examined by various taxing authorities. The Company believes that adequate amounts of tax and related interest from any adjustments that may result from these examinations have been provided for.

Public Law 119-21, popularly known as the “One Big Beautiful Bill Act” (“OBBBA”), was signed into law on July 4, 2025. This legislation includes a broad range of tax reform provisions affecting businesses, with certain provisions effective January 1, 2025. The Company anticipates an impact to its deferred tax liability and income tax payable, primarily related to the provisions for 100% bonus depreciation for assets acquired and placed in service after January 19, 2025 and full expensing of domestic research and experimental expenditures for tax years from 2022 to 2025. With respect to full expensing, the Company expects to claim additional current year tax deductions of $412.3 million; the resulting $86.6 million impact reflects a timing-related reclassification between income tax payable and deferred tax balances. While the Company is still evaluating other provisions of the OBBBA, including those effective January 1, 2026, it does not expect them to have a material effect on its ongoing effective tax rate.

v3.25.4
Earnings Per Share
12 Months Ended
Dec. 31, 2025
Earnings Per Share [Abstract]  
Earnings Per Share

NOTE 15. Earnings Per Share:

The computation of basic and diluted earnings per share is as follows:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions, except per share data)

 

Numerator

 

 

 

 

 

 

 

 

 

Net income attributable to the Company

 

$

621.8

 

 

$

131.1

 

 

$

216.8

 

Denominator

 

 

 

 

 

 

 

 

 

Basic weighted-average shares

 

 

103.3

 

 

 

103.9

 

 

 

104.3

 

Effect of dilutive RSUs and PRSUs

 

 

0.4

 

 

 

0.4

 

 

 

0.3

 

Diluted weighted-average shares

 

 

103.7

 

 

 

104.3

 

 

 

104.6

 

Net income per share attributable to the Company’s
   stockholders

 

 

 

 

 

 

 

 

 

Basic

 

$

6.02

 

 

$

1.26

 

 

$

2.08

 

Diluted

 

$

6.00

 

 

$

1.26

 

 

$

2.07

 

For the years ended December 31, 2025, 2024, and 2023, 15 thousand, 44 thousand and 8 thousand RSUs, respectively, and 30 thousand, 45 thousand and 13 thousand PRSUs, respectively, were excluded from the weighted-average diluted common shares outstanding due to their antidilutive effect.

v3.25.4
Employee Benefit Plans
12 Months Ended
Dec. 31, 2025
Retirement Benefits [Abstract]  
Employee Benefit Plans

NOTE 16. Employee Benefit Plans:

The First American Financial Corporation 401(k) Savings Plan (the “Savings Plan”) allows for employee-elective contributions up to the maximum amount as determined by the Internal Revenue Code. The Company makes discretionary contributions to the Savings Plan based on profitability as well as on the contributions of participants. The Savings Plan held 1.1 million shares and 1.3 million shares of the Company’s common stock, representing 1.1% and 1.2% of the Company’s total common shares outstanding at December 31, 2025 and 2024, respectively. Effective July 1, 2015, additional investments in common stock of the Company are no longer allowed.

The Company maintains a deferred compensation plan for certain employees that allows participants to defer up to 100% of their salary, commissions and certain bonuses. Participants can allocate their deferrals among a variety of investment crediting options (known as “deemed investments”). The term deemed investments means that the participant has no ownership interest in the funds they select; the funds are only used to measure the gains or losses that will be attributed to each participant’s deferral account over time. Participants can elect to have their deferral balance paid out while they are still employed or after their employment ends. The deferred compensation plan is exempt from most provisions of the Employee Retirement Income Security Act because it is only available to a select group of management and highly compensated employees and is not a qualified employee benefit plan. To preserve the tax-deferred savings advantages of a nonqualified deferred compensation plan, federal law requires that it be unfunded or informally funded. Participant deferrals, and any earnings on those deferrals, are general unsecured obligations of the Company. The Company informally funds the deferred compensation plan through a tax-advantaged investment known as variable universal life insurance. Deferred compensation plan assets are held as an asset of the Company within a special trust, known as a “Rabbi Trust.” At December 31, 2025 and 2024, the value of the assets held in the Rabbi Trust of $165.0 million and $148.0 million, respectively, and the unfunded liabilities of $179.6 million and $164.2 million, respectively, were included in the consolidated balance sheets in other assets and pension costs and other retirement plans, respectively.

The Company also has nonqualified, unfunded supplemental benefit plans covering certain management personnel, which are comprised primarily of the Executive and Management Supplemental Benefit Plans and the smaller Pension Restoration Plan (collectively, the “unfunded supplemental benefit plans”). The Executive and Management Supplemental Benefit Plans, subject to certain limitations, provide participants with maximum annual benefits of 30% and 15%, respectively, of average annual compensation over a fixed five-year period. Effective January 1, 2011, the plans were closed to new participants.

Certain of the Company’s subsidiaries have separate savings and employee benefit plans. Expenses related to these plans and the Company’s deferred compensation plans are included below under “other plans, net.”

The principal components of employee benefit costs are summarized as follows:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Expense:

 

 

 

 

 

 

 

 

 

Savings plan

 

$

63.3

 

 

$

60.5

 

 

$

34.5

 

Unfunded supplemental benefit plans

 

 

11.4

 

 

 

12.0

 

 

 

12.3

 

Other plans, net

 

 

32.3

 

 

 

26.4

 

 

 

26.8

 

 

$

107.0

 

 

$

98.9

 

 

$

73.6

 

The following table summarizes the benefit obligations and funded status associated with the Company’s unfunded supplemental benefit plans:

 

 

December 31,

 

 

2025

 

 

2024

 

 

(in millions)

 

Change in projected benefit obligation:

 

 

 

 

 

 

Benefit obligation at beginning of year

 

$

185.1

 

 

$

196.0

 

Service costs

 

 

0.1

 

 

 

0.1

 

Interest costs

 

 

9.4

 

 

 

9.6

 

Actuarial loss (gain)

 

 

3.4

 

 

 

(5.3

)

Benefits paid

 

 

(15.0

)

 

 

(15.3

)

Projected benefit obligation at end of year

 

 

183.0

 

 

 

185.1

 

Change in plan assets:

 

 

 

 

 

 

Contributions

 

 

15.0

 

 

 

15.3

 

Benefits paid

 

 

(15.0

)

 

 

(15.3

)

Fair value of plan assets at end of year

 

 

 

 

 

 

Reconciliation of funded status:

 

 

 

 

 

 

Unfunded status of the plans

 

$

183.0

 

 

$

185.1

 

Amounts recognized in the consolidated balance sheet:

 

 

 

 

 

 

Accrued benefit liability

 

$

183.0

 

 

$

185.1

 

Amounts recognized in accumulated other
        comprehensive income/loss:

 

 

 

 

 

 

Unrecognized net actuarial loss

 

$

44.8

 

 

$

43.3

 

Accumulated benefit obligation at end of year

 

$

183.0

 

 

$

185.1

 

 

Net periodic benefit costs related to the Company’s unfunded supplemental benefit pension plans are summarized as follows:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Expense:

 

 

 

 

 

 

 

 

 

Service costs

 

$

0.1

 

 

$

0.1

 

 

$

0.1

 

Interest costs

 

 

9.4

 

 

 

9.6

 

 

 

10.2

 

Amortization of net actuarial loss

 

 

1.9

 

 

 

2.3

 

 

 

2.0

 

 

$

11.4

 

 

$

12.0

 

 

$

12.3

 

Net actuarial loss for the unfunded supplemental benefit plans expected to be amortized from accumulated other comprehensive income/loss into net periodic benefit cost during 2026 is $2.0 million.

The weighted-average discount rate assumptions used to determine net periodic benefit costs for the Executive and Management Supplemental Benefit Plans for the years ended December 31, 2025, 2024 and 2023, are as follows:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

Discount rates:

 

 

 

 

 

 

 

 

 

 

 

 

Projected benefit obligation

 

 

 

5.64

%

 

 

 

5.21

%

 

 

 

5.56

%

Service cost

 

 

 

5.94

%

 

 

 

5.40

%

 

 

 

5.75

%

Interest cost

 

 

 

5.35

%

 

 

 

5.15

%

 

 

 

5.45

%

The weighted-average discount rate assumptions used to determine the projected benefit obligations for the Executive and Management Supplemental Benefit Plans at December 31, 2025 and 2024, are as follows:

 

 

December 31,

 

 

2025

 

 

2024

 

Discount rate

 

 

 

5.26

%

 

 

 

5.64

%

The discount rate assumptions used reflect the yield available on high-quality, fixed-income debt securities that match the expected timing of the benefit obligation payments.

The Company expects to make cash contributions of $15.9 million to its unfunded supplemental benefit plans during 2026.

Benefit payments, which reflect expected future service, as appropriate, are expected to be made as follows:

 

Year

 

(in millions)

 

 2026

 

$

15.9

 

 2027

 

$

16.8

 

 2028

 

$

16.5

 

 2029

 

$

16.1

 

 2030

 

$

15.7

 

Five years thereafter

 

$

72.0

 

v3.25.4
Fair Value Measurements
12 Months Ended
Dec. 31, 2025
Fair Value Disclosures [Abstract]  
Fair Value Measurements

NOTE 17. Fair Value Measurements:

Certain of the Company’s assets and liabilities are carried at fair value. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.

The Company categorizes its assets and liabilities carried at fair value using a three-level hierarchy for fair value measurements that distinguishes between market participant assumptions developed based on market data obtained from sources independent of the Company (observable inputs) and the Company’s own assumptions about market participant assumptions developed based on the best information available in the circumstances (unobservable inputs). The hierarchy for inputs used in determining fair value maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that observable inputs be used when available. The hierarchy level assigned to the assets and liabilities is based on management’s assessment of the transparency and reliability of the inputs used to estimate the fair values at the measurement date. The three hierarchy levels are defined as follows:

Level 1—Valuations based on unadjusted quoted market prices in active markets for identical assets or liabilities.

Level 2—Valuations based on observable inputs (other than Level 1 prices), such as quoted prices for similar assets or liabilities at the measurement date; quoted prices in markets that are not active; or other inputs that are observable, either directly or indirectly.

Level 3—Valuations based on inputs that are unobservable and significant to the overall fair value measurement and involve management judgment.

If the inputs used to measure fair value fall into different levels of the fair value hierarchy, the hierarchy level assigned is based upon the lowest level of input that is significant to the fair value measurement.

Assets measured at fair value on a recurring basis

The valuation techniques and inputs used by the Company to estimate the fair value of assets measured on a recurring basis are summarized as follows:

Debt securities

The fair values of debt securities were based on the market values obtained from independent pricing services that were evaluated using pricing models that vary by asset class and incorporate available trade, bid and other market information and price quotes from well-established, independent broker-dealers. The independent pricing services monitor market indicators, industry and economic events, and for broker-quoted only securities, obtain quotes from market makers or broker-dealers that they recognize to be market participants. The pricing services utilize the market approach in determining the fair values of the debt securities held by the Company. The Company obtains an understanding of the valuation models and assumptions utilized by the services and has controls in place to determine that the values provided represent fair values. The Company’s validation procedures include comparing prices received from the pricing services to quotes received from other third-party sources for certain securities with market prices that are readily verifiable. If the price comparison results in differences over a predefined threshold, the Company will assess the reasonableness of the changes relative to prior periods given the prevailing market conditions and assess changes in the issuers’ credit worthiness, performance of any underlying collateral and prices of the instrument relative to similar issuances. To date, the Company has not made any material adjustments to the fair value measurements provided by the pricing services.

Typical inputs and assumptions to pricing models used to value the Company’s debt securities include, but are not limited to, benchmark yields, reported trades, broker-dealer quotes, credit spreads, credit ratings, bond insurance (if applicable), benchmark securities, bids, offers, reference data and industry and economic events. For mortgage-backed securities, inputs and assumptions may also include the structure of issuance, characteristics of the issuer, collateral attributes and prepayment speeds.

Marketable equity securities

The fair values of marketable equity securities, including preferred and common stocks, were based on quoted market prices for identical assets that are readily and regularly available in an active market.

The following tables present the fair values of the Company’s assets, measured on a recurring basis, as of December 31, 2025 and 2024:

 

(in millions)

 

Total

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

Debt securities:

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

243.6

 

 

$

 

 

$

243.6

 

 

$

 

Municipal bonds

 

 

960.1

 

 

 

 

 

 

960.1

 

 

 

 

Foreign government bonds

 

 

235.2

 

 

 

 

 

 

235.2

 

 

 

 

Governmental agency bonds

 

 

261.0

 

 

 

 

 

 

261.0

 

 

 

 

Governmental agency mortgage-backed securities

 

 

5,260.8

 

 

 

 

 

 

5,260.8

 

 

 

 

U.S. corporate debt securities

 

 

1,034.8

 

 

 

 

 

 

1,034.8

 

 

 

 

Foreign corporate debt securities

 

 

471.2

 

 

 

 

 

 

471.2

 

 

 

 

 

 

8,466.7

 

 

 

 

 

 

8,466.7

 

 

 

 

Equity securities:

 

 

 

 

 

 

 

 

 

 

 

 

Common stocks

 

 

467.7

 

 

 

467.7

 

 

 

 

 

 

 

Preferred stocks

 

 

9.9

 

 

 

9.9

 

 

 

 

 

 

 

 

 

477.6

 

 

 

477.6

 

 

 

 

 

 

 

Total

 

$

8,944.3

 

 

$

477.6

 

 

$

8,466.7

 

 

$

 

 

(in millions)

 

Total

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

Debt securities:

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

175.6

 

 

$

 

 

$

175.6

 

 

$

 

Municipal bonds

 

 

776.5

 

 

 

 

 

 

776.5

 

 

 

 

Foreign government bonds

 

 

211.6

 

 

 

 

 

 

211.6

 

 

 

 

Governmental agency bonds

 

 

189.8

 

 

 

 

 

 

189.8

 

 

 

 

Governmental agency mortgage-backed securities

 

 

4,502.3

 

 

 

 

 

 

4,502.3

 

 

 

 

U.S. corporate debt securities

 

 

925.6

 

 

 

 

 

 

925.6

 

 

 

 

Foreign corporate debt securities

 

 

484.5

 

 

 

 

 

 

484.5

 

 

 

 

 

 

7,265.9

 

 

 

 

 

 

7,265.9

 

 

 

 

Equity securities:

 

 

 

 

 

 

 

 

 

 

 

 

Common stocks

 

 

374.7

 

 

 

374.7

 

 

 

 

 

 

 

Preferred stocks

 

 

12.1

 

 

 

12.1

 

 

 

 

 

 

 

 

 

386.8

 

 

 

386.8

 

 

 

 

 

 

 

Total

 

$

7,652.7

 

 

$

386.8

 

 

$

7,265.9

 

 

$

 

 

There were no transfers between Levels 1, 2 and 3 during the years ended December 31, 2025 and 2024. Transfers into or out of the Level 3 category occur when unobservable inputs become either more, or less, significant to the fair value measurement. The Company’s policy is to recognize transfers between levels in the fair value hierarchy at the end of the reporting period.

Financial instruments not measured at fair value

In estimating the fair values of its financial instruments not measured at fair value, the Company used the following methods and assumptions:

Cash and cash equivalents

The carrying amount for cash and cash equivalents approximates fair value due to the short-term maturity of these investments.

Deposits with banks

The fair value of deposits with banks is estimated based on rates currently offered for deposits of similar remaining maturities, where applicable.

Notes receivable, net

The fair value of notes receivable, net is estimated based on current market rates offered for notes with similar maturities and credit quality.

Secured financings receivable

The carrying amount of secured financings receivable approximates fair value due to the short-term nature of these assets.

Secured financings payable

The carrying amount of secured financings payable approximates fair value due to the short-term nature of these liabilities.

Notes and contracts payable

The fair value of notes and contracts payable is estimated based on market values obtained from independent pricing services for the Company's senior unsecured notes.

The following table presents the carrying amounts and estimated fair values of the Company’s financial instruments not measured at fair value as of December 31, 2025 and 2024:

 

 

Carrying

 

 

Estimated fair value

 

(in millions)

 

Amount

 

 

Total

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

 

$

1,387.3

 

 

$

1,387.3

 

 

$

1,387.3

 

 

$

 

 

$

 

Deposits with banks

 

$

78.5

 

 

$

78.2

 

 

$

9.9

 

 

$

68.3

 

 

$

 

Notes receivable, net

 

$

35.7

 

 

$

36.1

 

 

$

 

 

$

 

 

$

36.1

 

Secured financings receivable

 

$

986.1

 

 

$

986.1

 

 

$

 

 

$

986.1

 

 

$

 

Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Secured financings payable

 

$

906.5

 

 

$

906.5

 

 

$

 

 

$

906.5

 

 

$

 

Notes and contracts payable

 

$

1,545.4

 

 

$

1,459.9

 

 

$

 

 

$

1,452.1

 

 

$

7.8

 

 

 

 

Carrying

 

 

Estimated fair value

 

(in millions)

 

Amount

 

 

Total

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

 

$

1,718.1

 

 

$

1,718.1

 

 

$

1,718.1

 

 

$

 

 

$

 

Deposits with banks

 

$

85.4

 

 

$

85.3

 

 

$

20.7

 

 

$

64.6

 

 

$

 

Notes receivable, net

 

$

34.4

 

 

$

34.6

 

 

$

 

 

$

 

 

$

34.6

 

Secured financings receivable

 

$

690.0

 

 

$

690.0

 

 

$

 

 

$

690.0

 

 

$

 

Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Secured financings payable

 

$

643.8

 

 

$

643.8

 

 

$

 

 

$

643.8

 

 

$

 

Notes and contracts payable

 

$

1,546.6

 

 

$

1,399.4

 

 

$

 

 

$

1,388.4

 

 

$

11.0

 

Assets measured at fair value on a non-recurring basis

 

Estimated fair value (3)

 

(in millions)

 

Total

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

Non-marketable equity securities (1)

 

$

108.3

 

 

$

 

 

$

105.1

 

 

$

3.2

 

December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

Non-marketable equity securities (2)

 

$

23.4

 

 

$

 

 

$

5.1

 

 

$

18.3

 

 

(1)
Excludes $165.2 million of non-marketable equity securities for which no observable price changes or impairment charges occurred during the year.
(2)
Excludes $179.0 million of non-marketable equity securities for which no observable price changes or impairment charges occurred during the year.
(3)
Estimated fair values were determined during the year as of the dates that either an observable transaction occurred or an impairment assessment was made.

 

Non-marketable equity securities that have been remeasured during the year based on observable price changes are classified within Level 2 in the fair value hierarchy because the fair value is determined based only on significant inputs that are observable, such as observable transactions at the transaction date.

The following table presents the valuation techniques and significant unobservable inputs used in measuring the fair value of non-marketable equity securities classified within Level 3 of the fair value hierarchy as of December 31, 2025:

 

(in millions)

 

Fair Value

 

 

Approach

 

Input

 

Range

 

Weighted Average (1)

Non-marketable equity securities

 

$

3.2

 

 

Market

 

Revenue Multiple

 

6.1-9.0

 

7.1

 

(1)
Weighted average is calculated based on the fair values of the non-marketable equity securities.
v3.25.4
Share-Based Compensation Plans
12 Months Ended
Dec. 31, 2025
Share-Based Payment Arrangement [Abstract]  
Share-Based Compensation Plans

NOTE 18. Share-Based Compensation Plans:

The First American Financial Corporation 2020 Incentive Compensation Plan (the “Incentive Compensation Plan”), permits the granting of stock options, stock appreciation rights, restricted stock, RSUs, PRSUs, performance shares and other stock-based awards. Eligible participants, which include the Company’s directors and officers, as well as other employees, may elect to defer the distribution of their RSUs to a future date beyond the scheduled vesting date. In March 2025, the Company’s board of directors approved an amendment and restatement of the Incentive Compensation Plan, effective May 13, 2025, which increased the number of shares of company common stock available for grant by 2.0 million shares and extended the term until May 13, 2035. At December 31, 2025, 2.9 million shares of common stock remain available to be issued by the Company, subject to certain annual limits based on the type of award granted. The Company settles its equity awards with authorized but unissued shares of its common stock.

The First American Financial Corporation 2010 Employee Stock Purchase Plan (the “ESPP”), as amended and restated, allows eligible employees the option to purchase common stock of the Company at 85% of the lower of the closing price on either the first or last day of each quarterly offering period. There were 0.5 million shares issued in connection with this plan for the years ended December 31, 2025, 2024 and 2023, respectively. The plan terminates on July 1, 2032. At December 31, 2025, there were 7.5 million shares reserved for future issuances.

The following table summarizes the costs associated with the Company’s share-based compensation plans:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Expense:

 

 

 

 

 

 

 

 

 

RSUs

 

$

54.7

 

 

$

40.2

 

 

$

38.4

 

PRSUs

 

 

7.3

 

 

 

5.6

 

 

 

4.5

 

Employee stock purchase plan

 

 

6.4

 

 

 

6.2

 

 

 

6.2

 

 

$

68.4

 

 

$

52.0

 

 

$

49.1

 

The following table summarizes RSU and PRSU activity for the year ended December 31, 2025:

 

(in millions, except weighted-average grant-date fair value)

 

Shares

 

 

Weighted-average
grant-date
fair value

 

Unvested at December 31, 2024

 

 

1.2

 

 

$

62.37

 

Granted during 2025

 

 

1.2

 

 

 

65.18

 

Vested during 2025

 

 

(1.1

)

 

 

63.45

 

Forfeited during 2025

 

 

(0.1

)

 

 

71.64

 

Unvested at December 31, 2025

 

 

1.2

 

 

$

63.46

 

As of December 31, 2025, there was $46.5 million of total unrecognized compensation cost related to unvested RSUs and PRSUs that is expected to be recognized over a weighted-average period of 2.4 years. The weighted-average grant-date fair values of RSUs and PRSUs for the years ended December 31, 2025, 2024, and 2023 were $65.18, $58.91 and $63.73, respectively. The total fair values of shares distributed for the years ended December 31, 2025, 2024 and 2023 were $55.3 million, $55.1 million and $62.7 million, respectively. At December 31, 2025, 0.9 million shares were vested but not distributed.

v3.25.4
Stockholders' Equity
12 Months Ended
Dec. 31, 2025
Equity [Abstract]  
Stockholders' Equity

NOTE 19. Stockholders’ Equity:

In July 2025, the Company’s board of directors approved a new share repurchase plan which authorizes the repurchase of up to $300 million of the Company’s common stock and terminated its prior share repurchase plan. Purchases may be made from time to time by the Company in the open market at prevailing market prices or in privately negotiated transactions. During the year ended December 31, 2025, the Company repurchased and retired 2.1 million shares of its common stock for a total purchase price of $122.3 million and, as of December 31, 2025, the Company has repurchased and retired 6.8 million shares of its common stock under the previous authorization for a total purchase price of $377.0 million.

 

v3.25.4
Accumulated Other Comprehensive Income (Loss) ("AOCI")
12 Months Ended
Dec. 31, 2025
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Accumulated Other Comprehensive Income (Loss) ("AOCI")

NOTE 20. Accumulated Other Comprehensive Income (Loss) (“AOCI”):

The following table presents a summary of the changes in each component of AOCI for the years ended December 31, 2025, 2024 and 2023:

 

(in millions)

 

Unrealized
gains (losses)
on debt securities

 

 

Foreign
currency
translation
adjustment

 

 

Pension
benefit
adjustment

 

 

Accumulated
other
comprehensive
income (loss)

 

Balance at December 31, 2022

 

$

(751.6

)

 

$

(82.1

)

 

$

(35.2

)

 

$

(868.9

)

Change in unrealized losses on debt securities

 

 

262.3

 

 

 

 

 

 

 

 

 

262.3

 

Change in foreign currency translation adjustment

 

 

 

 

 

17.7

 

 

 

 

 

 

17.7

 

Net actuarial loss

 

 

 

 

 

 

 

 

(4.8

)

 

 

(4.8

)

Amortization of net actuarial loss

 

 

 

 

 

 

 

 

2.0

 

 

 

2.0

 

Tax effect

 

 

(64.3

)

 

 

(0.5

)

 

 

0.7

 

 

 

(64.1

)

Balance at December 31, 2023

 

 

(553.6

)

 

 

(64.9

)

 

 

(37.3

)

 

 

(655.8

)

Change in unrealized losses on debt securities

 

 

272.7

 

 

 

 

 

 

 

 

 

272.7

 

Change in foreign currency translation adjustment

 

 

 

 

 

(47.1

)

 

 

 

 

 

(47.1

)

Net actuarial gain

 

 

 

 

 

 

 

 

5.3

 

 

 

5.3

 

Amortization of net actuarial loss

 

 

 

 

 

 

 

 

2.3

 

 

 

2.3

 

Tax effect

 

 

(72.8

)

 

 

1.0

 

 

 

(2.0

)

 

 

(73.8

)

Balance at December 31, 2024

 

 

(353.7

)

 

 

(111.0

)

 

 

(31.7

)

 

 

(496.4

)

Change in unrealized losses on debt securities

 

 

275.0

 

 

 

 

 

 

 

 

 

275.0

 

Change in foreign currency translation adjustment

 

 

 

 

 

35.4

 

 

 

 

 

 

35.4

 

Net actuarial loss

 

 

 

 

 

 

 

 

(3.4

)

 

 

(3.4

)

Amortization of net actuarial loss

 

 

 

 

 

 

 

 

1.9

 

 

 

1.9

 

Tax effect

 

 

(68.9

)

 

 

(0.7

)

 

 

0.4

 

 

 

(69.2

)

Balance at December 31, 2025

 

$

(147.6

)

 

$

(76.3

)

 

$

(32.8

)

 

$

(256.7

)

 

The following table presents the other comprehensive income (loss) reclassification adjustments for the years ended December 31, 2025, 2024 and 2023:

 

 

Unrealized
gains (losses)
on debt securities

 

 

Foreign
currency
translation
adjustment

 

 

Pension
benefit
adjustment

 

 

Total
other
comprehensive
income (loss)

 

 

(in millions)

 

Year ended December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

Pretax change before reclassifications

 

$

263.6

 

 

$

35.4

 

 

$

(3.4

)

 

$

295.6

 

Reclassifications out of AOCI

 

 

11.4

 

 

 

 

 

 

1.9

 

 

 

13.3

 

Tax effect

 

 

(68.9

)

 

 

(0.7

)

 

 

0.4

 

 

 

(69.2

)

Total other comprehensive income (loss), net of tax

 

$

206.1

 

 

$

34.7

 

 

$

(1.1

)

 

$

239.7

 

Year ended December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

Pretax change before reclassifications

 

$

(62.4

)

 

$

(47.1

)

 

$

5.3

 

 

$

(104.2

)

Reclassifications out of AOCI

 

 

335.1

 

 

 

 

 

 

2.3

 

 

 

337.4

 

Tax effect

 

 

(72.8

)

 

 

1.0

 

 

 

(2.0

)

 

 

(73.8

)

Total other comprehensive income (loss), net of tax

 

$

199.9

 

 

$

(46.1

)

 

$

5.6

 

 

$

159.4

 

Year ended December 31, 2023

 

 

 

 

 

 

 

 

 

 

 

 

Pretax change before reclassifications

 

$

181.4

 

 

$

17.7

 

 

$

(4.8

)

 

$

194.3

 

Reclassifications out of AOCI

 

 

80.9

 

 

 

 

 

 

2.0

 

 

 

82.9

 

Tax effect

 

 

(64.3

)

 

 

(0.5

)

 

 

0.7

 

 

 

(64.1

)

Total other comprehensive income (loss), net of tax

 

$

198.0

 

 

$

17.2

 

 

$

(2.1

)

 

$

213.1

 

 

The following table presents the effects of the reclassifications out of AOCI on the respective line items in the consolidated statements of income:

 

 

Year ended December 31,

 

 

 

(in millions)

 

2025

 

 

2024

 

 

2023

 

 

Affected line items

Unrealized gains (losses) on debt
     securities:

 

 

 

 

 

 

 

 

 

 

 

Net realized losses on sales of debt
     securities

 

$

(11.4

)

 

$

(335.1

)

 

$

(80.9

)

 

Net investment gains (losses)

Tax effect

 

$

2.9

 

 

$

89.5

 

 

$

19.8

 

 

 

Pension benefit adjustment (1):

 

 

 

 

 

 

 

 

 

 

 

Amortization of net actuarial loss

 

$

(1.9

)

 

$

(2.3

)

 

$

(2.0

)

 

Other operating expenses

Tax effect

 

$

0.5

 

 

$

0.6

 

 

$

0.5

 

 

 

 

 

 

(1)
Amounts are components of net periodic cost. See Note 16 Employee Benefit Plans for additional details.
v3.25.4
Litigation and Regulatory Contingencies
12 Months Ended
Dec. 31, 2025
Commitments and Contingencies Disclosure [Abstract]  
Litigation and Regulatory Contingencies

NOTE 21. Litigation and Regulatory Contingencies:

The Company and its subsidiaries are parties to lawsuits and are also involved in ongoing routine legal and regulatory proceedings related to their operations. These lawsuits and proceedings frequently are similar in nature to other lawsuits and proceedings pending against the Company’s competitors. When the Company has determined that a loss is both probable and reasonably estimable, a liability representing the best estimate of the Company’s financial exposure based on known facts has been recorded. Actual losses may materially differ from the amounts recorded.

With respect to the Company’s outstanding ordinary course lawsuits and proceedings, the Company has determined either that a loss is not reasonably possible or that the estimated loss or range of loss, if any, is not expected to have a material adverse effect on the Company’s financial condition, results of operations or cash flows.

The Company’s ordinary course lawsuits include class actions or purported class action lawsuits, which challenge practices in the Company’s home warranty and title insurance and settlement services businesses.

Most of the Company’s businesses are regulated by various federal, state and local governmental agencies. Many of the Company’s other businesses operate within statutory guidelines. Consequently, the Company may from time to time be subject to examination or investigation by such governmental agencies. Currently, governmental agencies are examining or investigating certain of the Company’s operations.

The Company does not believe that any pending examinations or investigations will have a material adverse effect on the Company’s financial condition, results of operations or cash flows. Some of these exams or investigations could, however, result in changes to the Company’s business practices which could ultimately have a material adverse impact on the Company’s financial condition, results of operations or cash flows.

v3.25.4
Segment Financial Information
12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
Segment Financial Information

NOTE 22. Segment Financial Information:

For the title insurance and services segment and the home warranty segment, the Company's chief operating decision maker, who is its chief executive officer, uses revenue and pretax margin to assess performance, allocate resources and determine compensation for certain employees. For the corporate segment, the performance of investments in venture-stage companies is primarily used to assess performance and allocate resources to the segment.

The Accounting policies for the Company's reportable segments are the same as those described in Note 1. Basis of Presentation and Significant Accounting Policies.

Information about reportable segment performance, significant expenses and assets for the years ended December 31, 2025, 2024 and 2023, are as follows:

Year Ended December 31, 2025

 

Title Insurance and Services

 

 

Home Warranty

 

 

Corporate

 

 

Consolidated

 

 

 

(dollars in millions)

 

Total segment revenue (1)

 

$

6,977.7

 

 

$

442.9

 

 

$

31.7

 

 

$

7,452.3

 

Elimination of intersegment revenue

 

 

 

 

 

 

 

 

 

 

 

(0.1

)

Total consolidated revenue

 

 

 

 

 

 

 

 

 

 

$

7,452.2

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Less: (2)

 

 

 

 

 

 

 

 

 

 

 

 

Personnel costs

 

 

2,131.4

 

 

 

84.1

 

 

 

44.4

 

 

 

2,259.9

 

Premiums retained by agents

 

 

2,374.0

 

 

 

 

 

 

 

 

 

2,374.0

 

Other operating expenses (3)

 

 

1,081.7

 

 

 

90.4

 

 

 

38.5

 

 

 

1,210.6

 

Provision for policy losses

 

 

159.2

 

 

 

171.9

 

 

 

(4.4

)

 

 

326.7

 

Depreciation and amortization

 

 

210.8

 

 

 

5.3

 

 

 

0.1

 

 

 

216.2

 

Premium taxes

 

 

77.0

 

 

 

4.7

 

 

 

 

 

 

81.7

 

Interest

 

 

96.2

 

 

 

 

 

 

60.8

 

 

 

157.0

 

Segment income (loss) before income taxes

 

$

847.4

 

 

$

86.5

 

 

$

(107.7

)

 

$

826.1

 

Elimination of intersegment expenses

 

 

 

 

 

 

 

 

 

 

 

0.1

 

Consolidated income before income taxes

 

 

 

 

 

 

 

 

 

 

$

826.2

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pretax margin

 

 

12.1

%

 

 

19.5

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment assets

 

$

15,287.9

 

 

$

395.3

 

 

$

911.9

 

 

$

16,595.1

 

Elimination of intersegment assets (4)

 

 

 

 

 

 

 

 

 

 

 

(366.3

)

Consolidated total assets

 

 

 

 

 

 

 

 

 

 

$

16,228.8

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment capital expenditures

 

$

186.0

 

 

$

6.4

 

 

$

 

 

$

192.4

 

 

(1)
Intersegment revenue is included within amounts shown.
(2)
The significant expense categories and amounts align with segment level information that is regularly provided to the chief operating decision maker. Intersegment expenses are included within amounts shown.
(3)
Other operating expenses for each segment primarily include the following:

Title insurance and services - title and data search expenses, office and occupancy expenses and software expense.

Home warranty - advertising expense, office and occupancy expenses, software expense, delivery and storage expenses.

Corporate - employee benefit expense and certain overhead expenses.

(4)
Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance and services segment

 

$

(366.3

)

 

 

Year Ended December 31, 2024

 

Title Insurance and Services

 

 

Home Warranty

 

 

Corporate

 

 

Consolidated

 

 

 

(dollars in millions)

 

Total segment revenue (1)

 

$

5,737.3

 

 

$

425.7

 

 

$

(33.4

)

 

$

6,129.6

 

Elimination of intersegment revenue

 

 

 

 

 

 

 

 

 

 

 

(1.5

)

Total consolidated revenue

 

 

 

 

 

 

 

 

 

 

$

6,128.1

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Less: (2)

 

 

 

 

 

 

 

 

 

 

 

 

Personnel costs

 

 

1,953.2

 

 

 

81.2

 

 

 

24.9

 

 

 

2,059.3

 

Premiums retained by agents

 

 

2,044.6

 

 

 

 

 

 

 

 

 

2,044.6

 

Other operating expenses (3)

 

 

992.5

 

 

 

86.0

 

 

 

35.2

 

 

 

1,113.7

 

Provision for policy losses

 

 

138.3

 

 

 

184.4

 

 

 

(2.7

)

 

 

320.0

 

Depreciation and amortization

 

 

202.2

 

 

 

5.1

 

 

 

0.1

 

 

 

207.4

 

Premium taxes

 

 

63.7

 

 

 

4.6

 

 

 

 

 

 

68.3

 

Interest

 

 

96.6

 

 

 

 

 

 

54.3

 

 

 

150.9

 

Segment income (loss) before income taxes

 

$

246.2

 

 

$

64.4

 

 

$

(145.2

)

 

$

163.9

 

Elimination of intersegment expenses

 

 

 

 

 

 

 

 

 

 

 

1.5

 

Consolidated income before income taxes

 

 

 

 

 

 

 

 

 

 

$

165.4

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pretax margin

 

 

4.3

%

 

 

15.1

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment assets

 

$

13,989.6

 

 

$

370.4

 

 

$

754.6

 

 

$

15,114.6

 

Elimination of intersegment assets (4)

 

 

 

 

 

 

 

 

 

 

 

(206.0

)

Consolidated total assets

 

 

 

 

 

 

 

 

 

 

$

14,908.6

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment capital expenditures

 

$

229.3

 

 

$

5.9

 

 

$

 

 

$

235.2

 

 

(1)
Intersegment revenue is included within amounts shown.
(2)
The significant expense categories and amounts align with segment level information that is regularly provided to the chief operating decision maker. Intersegment expenses are included within amounts shown.
(3)
Other operating expenses for each segment primarily include the following:

Title insurance and services - title and data search expenses, office and occupancy expenses and software expense.

Home warranty - advertising expense, office and occupancy expenses, software expense, delivery and storage expenses.

Corporate - employee benefit expense and certain overhead expenses.

(4)
Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance and services segment

 

$

(206.0

)

 

 

 

Year Ended December 31, 2023

 

Title Insurance and Services

 

 

Home Warranty

 

 

Corporate

 

 

Consolidated

 

 

 

(dollars in millions)

 

Total segment revenue (1)

 

$

5,724.8

 

 

$

417.2

 

 

$

(137.2

)

 

$

6,004.8

 

Elimination of intersegment revenue

 

 

 

 

 

 

 

 

 

 

 

(1.3

)

Total consolidated revenue

 

 

 

 

 

 

 

 

 

 

$

6,003.5

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Less: (2)

 

 

 

 

 

 

 

 

 

 

 

 

Personnel costs

 

 

1,876.0

 

 

 

77.8

 

 

 

35.3

 

 

 

1,989.1

 

Premiums retained by agents

 

 

1,952.2

 

 

 

 

 

 

 

 

 

1,952.2

 

Other operating expenses (3)

 

 

937.7

 

 

 

82.8

 

 

 

46.5

 

 

 

1,067.0

 

Provision for policy losses

 

 

139.9

 

 

 

193.1

 

 

 

3.3

 

 

 

336.3

 

Depreciation and amortization

 

 

183.6

 

 

 

4.8

 

 

 

0.1

 

 

 

188.5

 

Premium taxes

 

 

59.1

 

 

 

4.4

 

 

 

 

 

 

63.5

 

Interest

 

 

82.3

 

 

 

 

 

 

51.4

 

 

 

133.7

 

Segment income (loss) before income taxes

 

$

494.0

 

 

$

54.3

 

 

$

(273.8

)

 

$

273.2

 

Elimination of intersegment expenses

 

 

 

 

 

 

 

 

 

 

 

1.2

 

Consolidated income before income taxes

 

 

 

 

 

 

 

 

 

 

$

274.4

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pretax margin

 

 

8.6

%

 

 

13.0

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment assets

 

$

15,768.2

 

 

$

351.9

 

 

$

832.5

 

 

$

16,952.6

 

Elimination of intersegment assets (4)

 

 

 

 

 

 

 

 

 

 

 

(149.8

)

Consolidated total assets

 

 

 

 

 

 

 

 

 

 

$

16,802.8

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment capital expenditures

 

$

271.1

 

 

$

7.6

 

 

$

 

 

$

278.7

 

 

(1)
Intersegment revenue is included within amounts shown.
(2)
The significant expense categories and amounts align with segment level information that is regularly provided to the chief operating decision maker. Intersegment expenses are included within amounts shown.
(3)
Other operating expenses for each segment primarily include the following:

Title insurance and services - title and data search expenses, office and occupancy expenses and software expense.

Home warranty - advertising expense, office and occupancy expenses, software expense, delivery and storage expenses.

Corporate - employee benefit expense and certain overhead expenses.

(4)
Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance segment and services segment

 

$

(94.8

)

Holding company dividend receivable from a subsidiary within the title insurance and services segment

 

 

(10.0

)

Holding company receivable from a subsidiary within the title insurance and services segment

 

 

(45.0

)

 

 

$

(149.8

)

 

 

Information about the Company’s revenues, by segment, for the years ended December 31, 2025, 2024 and 2023, is as follows:

 

 

Direct premiums and escrow fees

 

 

Agent
premiums

 

 

Information
and other

 

 

Net investment income

 

 

Net investment
gains (losses)

 

 

Total
Revenues

 

 

 

(in millions)

 

2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

2,347.5

 

 

$

2,959.4

 

 

$

1,050.5

 

 

$

594.8

 

 

$

25.5

 

 

$

6,977.7

 

Home Warranty

 

 

415.2

 

 

 

 

 

 

23.0

 

 

 

5.0

 

 

 

(0.3

)

 

 

442.9

 

Corporate and Eliminations

 

 

 

 

 

 

 

 

14.7

 

 

 

21.2

 

 

 

(4.3

)

 

 

31.6

 

 

$

2,762.7

 

 

$

2,959.4

 

 

$

1,088.2

 

 

$

621.0

 

 

$

20.9

 

 

$

7,452.2

 

2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

2,048.3

 

 

$

2,561.9

 

 

$

938.2

 

 

$

534.3

 

 

$

(345.4

)

 

$

5,737.3

 

Home Warranty

 

 

397.8

 

 

 

 

 

 

22.5

 

 

 

4.0

 

 

 

1.4

 

 

 

425.7

 

Corporate and Eliminations

 

 

(0.1

)

 

 

 

 

 

0.1

 

 

 

22.7

 

 

 

(57.6

)

 

 

(34.9

)

 

$

2,446.0

 

 

$

2,561.9

 

 

$

960.8

 

 

$

561.0

 

 

$

(401.6

)

 

$

6,128.1

 

2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

1,856.4

 

 

$

2,449.3

 

 

$

917.1

 

 

$

540.2

 

 

$

(38.2

)

 

$

5,724.8

 

Home Warranty

 

 

395.6

 

 

 

 

 

 

21.7

 

 

 

5.9

 

 

 

(6.0

)

 

 

417.2

 

Corporate and Eliminations

 

 

0.1

 

 

 

 

 

 

(0.3

)

 

 

23.9

 

 

 

(162.2

)

 

 

(138.5

)

 

$

2,252.1

 

 

$

2,449.3

 

 

$

938.5

 

 

$

570.0

 

 

$

(206.4

)

 

$

6,003.5

 

The Company’s title insurance and services segment offers title insurance, closing services and similar or related products and services both domestically and internationally. The operations of the Company’s home warranty and corporate segments are entirely domestic.

Domestic and foreign revenues from external customers for the title insurance and services segment are as follows:

 

 

Year Ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

Domestic

 

 

Foreign

 

 

Domestic

 

 

Foreign

 

 

Domestic

 

 

Foreign

 

 

(in millions)

 

Revenues

 

$

6,450.3

 

 

$

527.5

 

 

$

5,314.6

 

 

$

421.4

 

 

$

5,351.6

 

 

$

372.2

 

 

Domestic and foreign long-lived assets for the title insurance and services segment are as follows:

 

 

December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

Domestic

 

 

Foreign

 

 

Domestic

 

 

Foreign

 

 

Domestic

 

 

Foreign

 

 

(in millions)

 

Long-lived assets

 

$

950.5

 

 

$

52.5

 

 

$

961.5

 

 

$

55.5

 

 

$

977.2

 

 

$

53.0

 

v3.25.4
Summary Of Investments-Other Than Investments In Related Parties
12 Months Ended
Dec. 31, 2025
SEC Schedule, 12-15, Insurance Companies, Summary of Investments, Other than Investments in Related Parties [Abstract]  
Summary of Investments-Other Than Investments in Related Parties

FIRST AMERICAN FINANCIAL CORPORATION

AND SUBSIDIARY COMPANIES

SUMMARY OF INVESTMENTS—OTHER THAN INVESTMENTS IN RELATED PARTIES

(in millions)

December 31, 2025

Column A

 

Column B

 

 

Column C

 

 

Column D

 

Type of investment

 

Cost

 

 

Market value

 

 

Amount at which shown in the balance sheet

 

Deposits with banks:

 

 

 

 

 

 

 

 

 

Consolidated

 

$

78.5

 

 

$

78.2

 

 

$

78.5

 

Debt securities:

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

 

 

 

 

 

 

 

 

Consolidated

 

$

244.2

 

 

$

243.6

 

 

$

243.6

 

Municipal bonds

 

 

 

 

 

 

 

 

 

Consolidated

 

$

1,003.5

 

 

$

960.1

 

 

$

960.1

 

Foreign government bonds

 

 

 

 

 

 

 

 

 

Consolidated

 

$

239.4

 

 

$

235.2

 

 

$

235.2

 

Governmental agency bonds

 

 

 

 

 

 

 

 

 

Consolidated

 

$

268.3

 

 

$

261.0

 

 

$

261.0

 

Governmental agency mortgage-backed securities

 

 

 

 

 

 

 

 

 

Consolidated

 

$

5,401.9

 

 

$

5,260.8

 

 

$

5,260.8

 

U.S. corporate debt securities

 

 

 

 

 

 

 

 

 

Consolidated

 

$

1,032.8

 

 

$

1,034.8

 

 

$

1,034.8

 

Foreign corporate debt securities

 

 

 

 

 

 

 

 

 

Consolidated

 

$

466.6

 

 

$

471.2

 

 

$

471.2

 

Total debt securities:

 

 

 

 

 

 

 

 

 

Consolidated

 

$

8,656.7

 

 

$

8,466.7

 

 

$

8,466.7

 

Equity securities:

 

 

 

 

 

 

 

 

 

Consolidated (1)

 

$

838.4

 

 

$

849.1

 

 

$

849.1

 

Notes receivable, net:

 

 

 

 

 

 

 

 

 

Consolidated

 

$

35.7

 

 

$

36.1

 

 

$

35.7

 

Total investments:

 

 

 

 

 

 

 

 

 

Consolidated

 

$

9,609.3

 

 

$

9,430.1

 

 

$

9,430.0

 

 

 

(1)
Included in equity securities are non-marketable equity securities and equity method investments, at carrying amount. Estimates of fair value for these investments could not be made without incurring excessive costs.
v3.25.4
Condensed Financial Statements (Parent Company)
12 Months Ended
Dec. 31, 2025
Condensed Financial Information Disclosure [Abstract]  
Condensed Financial Information of Parent Company Only Disclosure

SCHEDULE II

1 OF 5

FIRST AMERICAN FINANCIAL CORPORATION

(Parent Company)

CONDENSED BALANCE SHEETS

(in millions, except par values)

 

 

December 31,

 

 

2025

 

 

2024

 

Assets

 

 

 

 

 

 

Cash and cash equivalents

 

$

338.9

 

 

$

196.2

 

Due from subsidiaries, net

 

 

10.2

 

 

 

7.6

 

Income taxes receivable

 

 

65.0

 

 

 

61.3

 

Investment in subsidiaries

 

 

7,224.3

 

 

 

6,529.5

 

Equity securities

 

 

6.2

 

 

 

14.6

 

Deferred income taxes

 

 

9.4

 

 

 

43.8

 

Other assets

 

 

171.4

 

 

 

162.1

 

 

$

7,825.4

 

 

$

7,015.1

 

Liabilities and Equity

 

 

 

 

 

 

Accounts payable and other accrued liabilities

 

$

40.5

 

 

$

32.0

 

Pension costs and other retirement plans

 

 

367.6

 

 

 

354.4

 

Income taxes payable

 

 

42.7

 

 

 

27.0

 

Deferred income taxes

 

 

312.7

 

 

 

139.1

 

Notes and contracts payable

 

 

1,537.6

 

 

 

1,535.6

 

 

 

2,301.1

 

 

 

2,088.1

 

Commitments and contingencies

 

 

 

 

 

 

Stockholders’ equity:

 

 

 

 

 

 

Preferred stock, $0.00001 par value; Authorized—0.5 shares;
   Outstanding—
none

 

 

 

 

 

 

Common stock, $0.00001 par value; Authorized—300.0 shares;

 

 

 

 

 

 

   Outstanding—102.0 shares and 103.0 shares

 

 

 

 

 

 

Additional paid-in capital

 

 

1,744.4

 

 

 

1,787.6

 

Retained earnings

 

 

4,011.8

 

 

 

3,617.3

 

Accumulated other comprehensive loss

 

 

(256.7

)

 

 

(496.4

)

Total stockholders’ equity

 

 

5,499.5

 

 

 

4,908.5

 

Noncontrolling interests

 

 

24.8

 

 

 

18.5

 

Total equity

 

 

5,524.3

 

 

 

4,927.0

 

 

$

7,825.4

 

 

$

7,015.1

 

 

See Notes to Condensed Financial Statements

SCHEDULE II

2 OF 5

FIRST AMERICAN FINANCIAL CORPORATION

(Parent Company)

CONDENSED STATEMENTS OF INCOME

(in millions)

 

 

Year Ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

Revenues:

 

 

 

 

 

 

 

 

 

Information and other

 

$

14.8

 

 

$

 

 

$

 

Dividends from subsidiaries

 

 

585.9

 

 

 

172.5

 

 

 

411.3

 

Other income

 

 

17.9

 

 

 

20.2

 

 

 

22.5

 

Net investment (losses) gains

 

 

(6.4

)

 

 

(37.9

)

 

 

12.5

 

 

 

612.2

 

 

 

154.8

 

 

 

446.3

 

Expenses:

 

 

 

 

 

 

 

 

 

Other expenses

 

 

111.1

 

 

 

88.6

 

 

 

97.8

 

Income before income taxes and equity in undistributed earnings of
   subsidiaries

 

 

501.1

 

 

 

66.2

 

 

 

348.5

 

Income taxes

 

 

121.9

 

 

 

13.2

 

 

 

74.8

 

Equity in undistributed earnings (losses) of subsidiaries

 

 

246.0

 

 

 

79.6

 

 

 

(58.2

)

Net income

 

 

625.2

 

 

 

132.6

 

 

 

215.5

 

Less: Net income (loss) attributable to noncontrolling interests

 

 

3.4

 

 

 

1.5

 

 

 

(1.3

)

Net income attributable to the Company

 

$

621.8

 

 

$

131.1

 

 

$

216.8

 

 

See Notes to Condensed Financial Statements

SCHEDULE II

3 OF 5

FIRST AMERICAN FINANCIAL CORPORATION

(Parent Company)

CONDENSED STATEMENTS OF COMPREHENSIVE INCOME

(in millions)

 

 

Year Ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

Net income

 

$

625.2

 

 

$

132.6

 

 

$

215.5

 

Other comprehensive income (loss), net of tax:

 

 

 

 

 

 

 

 

 

Change in unrealized losses on debt securities

 

 

206.1

 

 

 

199.9

 

 

 

198.0

 

Change in foreign currency translation adjustment

 

 

34.7

 

 

 

(46.1

)

 

 

17.2

 

Change in pension benefit adjustment

 

 

(1.1

)

 

 

5.6

 

 

 

(2.1

)

Total other comprehensive income, net of tax

 

 

239.7

 

 

 

159.4

 

 

 

213.1

 

Comprehensive income

 

 

864.9

 

 

 

292.0

 

 

 

428.6

 

Less: Comprehensive income (loss) attributable to noncontrolling
     interests

 

 

3.4

 

 

 

1.5

 

 

 

(1.3

)

Comprehensive income attributable to the Company

 

$

861.5

 

 

$

290.5

 

 

$

429.9

 

See Notes to Condensed Financial Statements

SCHEDULE II

4 OF 5

FIRST AMERICAN FINANCIAL CORPORATION

(Parent Company)

CONDENSED STATEMENTS OF CASH FLOWS

(in millions)

 

 

Year Ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

Cash flows from operating activities:

 

 

 

 

 

 

 

 

 

Cash provided by operating activities

 

$

631.9

 

 

$

221.8

 

 

$

309.0

 

Cash flows from investing activities:

 

 

 

 

 

 

 

 

 

Acquisitions/dispositions, net of cash acquired/divested

 

 

 

 

 

 

 

 

(2.5

)

Net payments to subsidiaries

 

 

(150.9

)

 

 

(70.8

)

 

 

(160.8

)

Purchases of equity securities

 

 

 

 

 

 

 

 

(25.0

)

Proceeds from insurance settlement

 

 

 

 

 

4.0

 

 

 

 

Cash used for investing activities

 

 

(150.9

)

 

 

(66.8

)

 

 

(188.3

)

Cash flows from financing activities:

 

 

 

 

 

 

 

 

 

Net proceeds from issuance of unsecured senior notes

 

 

 

 

 

444.0

 

 

 

 

Repayment of senior unsecured notes

 

 

 

 

 

(300.0

)

 

 

(250.0

)

Net activity related to noncontrolling interests

 

 

 

 

 

0.2

 

 

 

0.3

 

Net proceeds in connection with share-based
   compensation

 

 

7.0

 

 

 

6.9

 

 

 

0.4

 

Repurchases of Company shares

 

 

(122.3

)

 

 

(68.5

)

 

 

(72.7

)

Payments of cash dividends

 

 

(223.0

)

 

 

(220.7

)

 

 

(216.6

)

Cash used for financing activities

 

 

(338.3

)

 

 

(138.1

)

 

 

(538.6

)

Net increase (decrease) in cash and cash equivalents

 

 

142.7

 

 

 

16.9

 

 

 

(417.9

)

Cash and cash equivalents—Beginning of period

 

 

196.2

 

 

 

179.3

 

 

 

597.2

 

Cash and cash equivalents—End of period

 

$

338.9

 

 

$

196.2

 

 

$

179.3

 

 

See Notes to Condensed Financial Statements

SCHEDULE II

5 OF 5

FIRST AMERICAN FINANCIAL CORPORATION

(Parent Company)

NOTES TO CONDENSED FINANCIAL STATEMENTS

 

NOTE 1. Description of the Company:

First American Financial Corporation is a holding company that conducts all of its operations through its subsidiaries. The Parent Company financial statements should be read in connection with the consolidated financial statements and notes thereto included elsewhere in this Form 10-K.

 

NOTE 2. Dividends Received:

The holding company received cash dividends from subsidiaries of $581.7 million, $148.3 million and $355.6 million for the years ended December 31, 2025, 2024 and 2023, respectively.

v3.25.4
Supplementary Insurance Information
12 Months Ended
Dec. 31, 2025
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Abstract]  
Supplementary Insurance Information

FIRST AMERICAN FINANCIAL CORPORATION

AND SUBSIDIARY COMPANIES

SUPPLEMENTARY INSURANCE INFORMATION

(in millions)

BALANCE SHEET CAPTIONS

Column A

 

Column B

 

 

Column C

 

 

Column D

 

Segment

 

Deferred policy
acquisition costs

 

 

Claims
reserves

 

 

Deferred
revenues

 

2025

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

 

 

$

1,150.5

 

 

$

3.7

 

Home Warranty

 

 

26.3

 

 

 

13.5

 

 

 

210.3

 

Corporate and Eliminations

 

 

 

 

 

5.6

 

 

 

 

Total

 

$

26.3

 

 

$

1,169.6

 

 

$

214.0

 

2024

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

 

 

$

1,164.7

 

 

$

4.0

 

Home Warranty

 

 

21.7

 

 

 

15.4

 

 

 

206.4

 

Corporate and Eliminations

 

 

 

 

 

13.3

 

 

 

 

Total

 

$

21.7

 

 

$

1,193.4

 

 

$

210.4

 

 

FIRST AMERICAN FINANCIAL CORPORATION

AND SUBSIDIARY COMPANIES

SUPPLEMENTARY INSURANCE INFORMATION

(in millions)

INCOME STATEMENT CAPTIONS

Column A

 

Column F

 

 

Column G

 

 

Column H

 

 

Column I

 

 

Column J

 

 

Column K

 

Segment

 

Premiums
and escrow
fees

 

 

Net
investment
income (1)

 

 

Loss
provision

 

 

Amortization
of deferred
policy
acquisition
costs (credits)

 

 

Other
operating
expenses

 

 

Premiums
written

 

2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

5,306.9

 

 

$

620.3

 

 

$

159.2

 

 

$

 

 

$

1,081.7

 

 

$

 

Home Warranty

 

 

415.2

 

 

 

4.7

 

 

 

171.9

 

 

 

(4.6

)

 

 

90.4

 

 

 

419.0

 

Corporate and Eliminations

 

 

 

 

 

16.9

 

 

 

(4.5

)

 

 

 

 

 

38.5

 

 

 

 

Total

 

$

5,722.1

 

 

$

641.9

 

 

$

326.6

 

 

$

(4.6

)

 

$

1,210.6

 

 

$

419.0

 

2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

4,610.2

 

 

$

188.9

 

 

$

138.3

 

 

$

 

 

$

992.5

 

 

$

 

Home Warranty

 

 

397.8

 

 

 

5.4

 

 

 

184.4

 

 

 

(1.4

)

 

 

86.0

 

 

 

411.3

 

Corporate and Eliminations

 

 

(0.1

)

 

 

(34.9

)

 

 

(2.7

)

 

 

 

 

 

34.9

 

 

 

 

Total

 

$

5,007.9

 

 

$

159.4

 

 

$

320.0

 

 

$

(1.4

)

 

$

1,113.4

 

 

$

411.3

 

2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

4,305.7

 

 

$

502.0

 

 

$

139.9

 

 

$

 

 

$

937.7

 

 

$

 

Home Warranty

 

 

395.6

 

 

 

(0.1

)

 

 

193.1

 

 

 

(0.2

)

 

 

82.8

 

 

 

398.4

 

Corporate and Eliminations

 

 

0.1

 

 

 

(138.3

)

 

 

3.3

 

 

 

 

 

 

46.5

 

 

 

 

Total

 

$

4,701.4

 

 

$

363.6

 

 

$

336.3

 

 

$

(0.2

)

 

$

1,067.0

 

 

$

398.4

 

 

 

(1) Includes net investment income and net investment gains (losses).

v3.25.4
Reinsurance
12 Months Ended
Dec. 31, 2025
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Abstract]  
Reinsurance

FIRST AMERICAN FINANCIAL CORPORATION

AND SUBSIDIARY COMPANIES

REINSURANCE

(dollars in millions)

 

Segment

 

Premiums
and escrow
fees before
reinsurance

 

 

Ceded to
other
companies

 

 

Assumed
from
other
companies

 

 

Premiums
and escrow
fees

 

 

Percentage of
amount
assumed to
premiums
and escrow
fees

 

Title Insurance and Services

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 2025

 

$

5,326.6

 

 

$

20.6

 

 

$

0.9

 

 

$

5,306.9

 

 

 

0.0

%

 2024

 

$

4,629.5

 

 

$

21.1

 

 

$

1.8

 

 

$

4,610.2

 

 

 

0.0

%

 2023

 

$

4,321.2

 

 

$

17.6

 

 

$

2.1

 

 

$

4,305.7

 

 

 

0.0

%

v3.25.4
Valuation And Qualifying Accounts
12 Months Ended
Dec. 31, 2025
SEC Schedule, 12-09, Valuation and Qualifying Accounts [Abstract]  
Valuation and Qualifying Accounts

SCHEDULE V

1 OF 3

FIRST AMERICAN FINANCIAL CORPORATION

AND SUBSIDIARY COMPANIES

VALUATION AND QUALIFYING ACCOUNTS

(in millions)

Year Ended December 31, 2025

 

Column A

 

Column B

 

 

Column C

 

 

Column D

 

 

 

Column E

 

 

 

 

 

Additions

 

 

 

 

 

 

 

 

Description

 

Balance at
beginning
of period

 

 

Charged to
costs and
expenses

 

 

Charged
to other
accounts

 

 

Deductions
from
reserve

 

 

 

Balance
at end
of period

 

Reserve deducted from accounts receivable:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

21.5

 

 

$

9.5

 

 

$

 

 

$

7.1

 

(1)

 

$

23.9

 

Reserve for known and incurred but not reported
   claims:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

1,193.4

 

 

$

326.6

 

 

$

8.0

 

 

$

358.4

 

(2)

 

$

1,169.6

 

Reserve deducted from notes receivable:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

2.0

 

 

$

 

 

$

 

 

$

 

 

 

$

2.0

 

Reserve deducted from deferred income taxes:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

27.9

 

 

$

2.4

 

 

$

 

 

$

0.9

 

 

 

$

29.4

 

 

 

(1)
Amount represents accounts written off, net of recoveries.
(2)
Amount represents claim payments, net of recoveries.

SCHEDULE V

2 OF 3

FIRST AMERICAN FINANCIAL CORPORATION

AND SUBSIDIARY COMPANIES

VALUATION AND QUALIFYING ACCOUNTS

(in millions)

Year Ended December 31, 2024

 

Column A

 

Column B

 

 

Column C

 

 

Column D

 

 

 

Column E

 

 

 

 

 

Additions

 

 

 

 

 

 

 

 

Description

 

Balance at
beginning
of period

 

 

Charged to
costs and
expenses

 

 

Charged
to other
accounts

 

 

Deductions
from
reserve

 

 

 

Balance
at end
of period

 

Reserve deducted from accounts receivable:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

21.8

 

 

$

8.7

 

 

$

 

 

$

9.0

 

(1)

 

$

21.5

 

Reserve for known and incurred but not reported
   claims:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

1,282.4

 

 

$

320.0

 

 

$

(11.2

)

 

$

397.8

 

(2)

 

$

1,193.4

 

Reserve deducted from notes receivable:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

0.3

 

 

$

1.7

 

 

$

 

 

$

 

 

 

$

2.0

 

Reserve deducted from deferred income taxes:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

13.7

 

 

$

15.6

 

 

$

 

 

$

1.4

 

 

 

$

27.9

 

 

 

(1)
Amount represents accounts written off, net of recoveries.
(2)
Amount represents claim payments, net of recoveries.

SCHEDULE V

3 OF 3

FIRST AMERICAN FINANCIAL CORPORATION

AND SUBSIDIARY COMPANIES

VALUATION AND QUALIFYING ACCOUNTS

(in millions)

Year Ended December 31, 2023

 

Column A

 

Column B

 

 

Column C

 

 

Column D

 

 

 

Column E

 

 

 

 

 

Additions

 

 

 

 

 

 

 

 

Description

 

Balance at
beginning
of period

 

 

Charged to
costs and
expenses

 

 

Charged
to other
accounts

 

 

Deductions
from
reserve

 

 

 

Balance
at end
of period

 

Reserve deducted from accounts receivable:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

21.3

 

 

$

8.1

 

 

$

 

 

$

7.6

 

(1)

 

$

21.8

 

Reserve for known and incurred but not reported
   claims:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

1,325.3

 

 

$

336.3

 

 

$

2.6

 

 

$

381.8

 

(2)

 

$

1,282.4

 

Reserve deducted from notes receivable:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

6.8

 

 

$

 

 

$

 

 

$

6.5

 

 

 

$

0.3

 

Reserve deducted from deferred income taxes:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

7.4

 

 

$

7.6

 

 

$

 

 

$

1.3

 

 

 

$

13.7

 

 

 

(1)
Amount represents accounts written off, net of recoveries.
(2)
Amount represents claim payments, net of recoveries.
v3.25.4
Basis of Presentation and Significant Accounting Policies (Policies)
12 Months Ended
Dec. 31, 2025
Accounting Policies [Abstract]  
Basis of Presentation

First American Financial Corporation (the “Company”), through its subsidiaries, is engaged in the business of providing financial services. The Company consists of the following reportable segments:

The title insurance and services segment issues title insurance policies on residential and commercial property in the United States and offers similar or related products and services internationally. This segment also provides closing and/or escrow services; accommodates tax-deferred exchanges of real estate; provides products, services and solutions designed to mitigate risk or otherwise facilitate real estate transactions; maintains, manages and provides access to title plant data and records; provides appraisals and other valuation-related products and services; provides lien release, document custodial and default-related products and services; provides document generation services; provides warehouse lending services; subservices mortgage loans; and provides banking, trust and wealth management services. The Company, through its principal title insurance subsidiary and such subsidiary’s affiliates, transacts its title insurance business through a network of direct operations and agents. Through this network, the Company issues policies in the 49 states that permit the issuance of title insurance policies, the District of Columbia and certain United States territories. The Company also offers title insurance, closing services and similar or related products and services, either directly or through third parties in other countries, including Canada, the United Kingdom, various countries in Europe, South Korea, Australia and New Zealand.
The home warranty segment sells products including residential service contracts that cover residential systems, such as heating and air conditioning systems, and certain appliances against failures that occur as the result of normal usage during the coverage period. This business currently operates in 36 states and the District of Columbia.
The corporate segment includes investments in venture-stage companies, certain financing facilities and corporate services that support the Company’s business operations.
Principles of Consolidation

Principles of Consolidation

The consolidated financial statements have been prepared in accordance with generally accepted accounting principles (“GAAP”) and reflect the consolidated operations of the Company. The consolidated financial statements include the accounts of First American Financial Corporation and all controlled subsidiaries. All significant intercompany transactions and balances have been eliminated. Equity investments in which the Company exercises significant influence, but does not control and is not the primary beneficiary, are accounted for using the equity method of accounting. Equity investments in which the Company does not exercise significant influence over the investee and without readily determinable fair values, or non-marketable equity securities, are accounted for at cost, less impairment, and are adjusted up or down for any observable price changes.

The Company has certain investments in nonconsolidated variable interest entities that are primarily limited partnerships, which are accounted for using the equity method of accounting. As of December 31, 2025 and 2024, the carrying values of these investments were $66.4 million and $65.7 million, respectively, and are included in equity securities on the Company’s consolidated balance sheets. At December 31, 2025, the Company’s maximum exposure to loss related to these investments, including any future funding commitments, was $81.8 million.

Revisions and Out-of-period Adjustments

Revisions and out-of-period adjustments

During 2024, the Company identified certain uncollectible balances related to fees within its title insurance and services segment, which primarily related to reporting periods in 2023 and prior, that should have been previously written off. To correct for this error, the Company recorded an adjustment in 2024, which increased other operating expenses and increased accounts payable and accrued liabilities by $6.2 million.

The Company does not consider this adjustment to be material, individually or in the aggregate, to any previously issued consolidated financial statements.

Use of Estimates

Use of estimates

The preparation of financial statements in accordance with GAAP requires management to make estimates and assumptions that affect the statements. Actual results could differ from the estimates and assumptions used.

Cash Equivalents

Cash equivalents

The Company considers cash equivalents to include all unrestricted short-term investments that have an initial maturity of 90 days or less.

Accounts and Accrued Income Receivable

Accounts and accrued income receivable

Accounts receivable are generally due within thirty days and are recorded net of an allowance for credit losses. The Company considers accounts outstanding longer than the contractual payment terms as past due. The Company determines the allowance by considering a number of factors, including the length of time trade accounts receivable are past due, previous loss history, a specific customer’s ability to pay its obligations to the Company and the current condition, and future expectations, of the general economy and industry as a whole. Amounts are written off in the period in which they are deemed to be uncollectible.

The Company’s policy is to present accrued interest receivable on financial assets within accounts and accrued income receivable on the balance sheet. Accrued interest receivable at December 31, 2025 and 2024 totaled $13.7 million and $14.0 million, respectively. The Company has elected to not measure an allowance for credit losses for accrued interest receivable and maintains a policy that all receivables ninety days past due are written off to credit loss expense. Accounts are placed on non-accrual status, and accrual of interest is discontinued, when management determines that collectibility of contractual amounts is not reasonably assured. Payments of interest for accounts in non-accrual status are applied under the cost recovery method.

Deposits with banks

Deposits with banks

Deposits with banks are short-term investments with initial maturities of generally more than 90 days and included restricted cash and cash equivalents of $9.9 million and $20.7 million at December 31, 2025 and 2024, respectively.

Debt and Equity Securities

Debt securities

Debt securities are carried at fair value and consist primarily of investments in obligations of the United States Treasury, foreign governments, various U.S. and foreign corporations, certain state and political subdivisions and mortgage-backed securities. The Company classifies its debt securities as available-for-sale with unrealized gains or losses recorded as a component of accumulated other comprehensive income/loss. Realized gains and losses on sales of debt securities are determined on a first-in, first-out basis.

Interest income, as well as the related amortization of premium and accretion of discount, on debt securities are recognized under the effective yield method and are included in the accompanying consolidated statements of income in net investment income. Interest income for agency mortgage-backed securities is determined considering estimated pay-downs, including prepayments, obtained from third-party data sources. Effective yields are recalculated monthly on a retrospective basis based on actual payments received and updated prepayment expectations, and the amortized cost is adjusted to the amount that would have existed had the new effective yield been applied since acquisition with a corresponding charge or credit to net investment income.

When the fair value of an available-for-sale debt security falls below its amortized cost, entities must determine whether the decline in fair value is due to credit-related factors or noncredit-related factors. Declines in fair value that are credit-related are recorded on the balance sheet through an allowance for credit losses with a corresponding adjustment to earnings and declines that are noncredit-related are recognized through other comprehensive income/loss.

If the Company intends to sell a debt security in an unrealized loss position or determines that it is more likely than not that the Company will be required to sell a debt security before it recovers its amortized cost basis, the debt security is impaired and it is written down to fair value with all losses recognized in earnings. As of December 31, 2025, the Company did not intend to sell any debt securities in an unrealized loss position and it is not more likely than not that the Company will be required to sell any debt securities before recovery of their amortized cost basis.

For debt securities in an unrealized loss position for which the Company does not intend to sell the debt security and it is not more likely than not that the Company will be required to sell the debt security, the Company determines whether the loss is due to credit-related factors or noncredit-related factors. For debt securities in an unrealized loss position for which the losses are primarily due to credit-related factors, the Company’s policy is to recognize the entire loss in earnings. In determining credit losses on its debt securities in an unrealized loss position, the Company considers certain factors that may include, among others, severity of the unrealized loss, security type, industry sector, credit rating, yield to maturity, profitability and stock performance. For debt securities in an unrealized loss position for which the losses are determined to be the result of both credit-related and noncredit-related factors, the credit loss is determined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis of the debt security. The cash flows expected to be collected are discounted using the effective interest rate (i.e., purchase yield) and for variable rate securities the interest rate is fixed at the rate in effect at the credit loss measurement date.

Expected future cash flows for debt securities are based on qualitative and quantitative factors specific to each security, including the probability of default and the estimated timing and amount of recovery. The detailed inputs used to project expected future cash flows may be different depending on the nature of the individual debt security.

In the normal course of operations, the Company may seek to optimize its investment portfolio and prospective investment returns by selling certain debt securities in an unrealized loss (or gain) position for which such unrealized loss or gain has been deferred in other comprehensive income. Sales of such debt securities could result in the realization of material gains or losses recorded in net income in the period the debt securities are sold.

The Company’s policy is to present accrued interest receivable on debt securities within accounts and accrued income receivable on the balance sheet. Accrued interest receivable on debt securities at December 31, 2025 and 2024 totaled $46.5 million and $38.8 million, respectively. The Company has elected to not measure an allowance for accrued interest receivable on debt securities and maintains a policy that all receivables ninety days past due are written off to credit loss expense. Debt securities are placed on non-accrual status, and accrual of interest is discontinued, when management determines that collectibility of contractual amounts is not reasonably assured. Interest income is recognized on a cash basis for interest payments received on debt securities in non-accrual status.

The Company maintains investments in debt securities in accordance with certain statutory requirements for the funding of statutory premium reserves and state deposits. At December 31, 2025 and 2024, the fair values of such investments totaled $109.7 million and $92.4 million, respectively. See Note 2 Statutory Restrictions on Investments and Stockholders’ Equity for additional discussion of the Company’s statutory restrictions.

Equity securities

Marketable equity securities are carried at fair value and consist primarily of investments in exchange traded funds, mutual funds and preferred stocks of corporate entities. Changes in the fair values of the Company’s equity securities are recognized in net investment gains/losses on the consolidated statements of income.

Equity investments in which the Company exercises significant influence but does not control, and is not the primary beneficiary, are accounted for under the equity method of accounting. These investments are initially measured at cost and are generally adjusted by the Company’s share of equity in the income or losses of the investee. The carrying values of these investments are written down, or impaired, to fair value when a decline in value is considered to be other-than-temporary. In making the determination as to whether an individual investment is impaired, the Company assesses the current and expected financial condition of each relevant entity, including, but not limited to, the results of valuation work performed with respect to the entity, the entity’s anticipated ability to generate sufficient cash flows and the market conditions in the industry in which the entity is operating.

 

The Company has elected to measure its non-marketable equity securities in which it does not exercise significant influence over the investee and without readily determinable fair values at cost, less impairment, adjusted up or down for any observable price changes from orderly transactions for the identical or a similar investment of the same issuer. The carrying values of these investments are written down, or impaired, to fair value when a qualitative assessment indicates that the fair value is less than the carrying value. In making the determination as to whether an individual investment is impaired, the Company assesses such qualitative factors as the current and expected financial condition of each relevant entity, the market conditions in the industry in which the entity operates and the entity’s anticipated ability to generate sufficient cash flows.

Notes Receivable

Notes Receivable

Notes receivable are carried at cost, less allowance for credit losses. An allowance for credit losses is established on an individual note based on the Company’s estimate of the net amount expected to be collected. The allowance for credit losses is based upon the Company’s assessment of the borrower’s overall financial condition, resources and payment record; and, if appropriate, the realizable value of any collateral. These estimates consider all available evidence including the expected future cash flows, estimated fair value of collateral on secured notes, general economic conditions and trends, and other relevant factors, as appropriate. Notes are placed on non-accrual status when management determines that the collectibility of contractual amounts is not reasonably assured. Notes receivable at December 31, 2025 and 2024 totaled $35.7 million and $34.4 million, respectively. Notes receivable are included in other assets on the consolidated balance sheets.

Secured financings receivable and payable

Secured financings receivable and payable

Secured financings receivable, which are generated through the Company’s warehouse lending operations, are collateralized by mortgage loans on residential real estate. Collections of amounts due from mortgage loan originators occur upon sale of the underlying mortgage loans to investors in the secondary market, generally within 30 days and more typically in less than 10 days. No allowance for credit losses has been recorded on these receivables due to, among other factors, the Company typically identifying investors in the underlying mortgage loans prior to making advances, the short-term nature of these receivables and the lack of significant historical credit losses experienced by the Company. Interest income is recorded on an accrual basis during the period the principal balance remains outstanding and is included in net investment income on the consolidated statements of income.

Secured financings payable reflect borrowings under secured warehouse lending facilities with several banking institutions. Repayment of the warehouse borrowing occurs upon sale of the mortgage loan to investors as noted above. Interest expense is recorded during the period the borrowing remains outstanding and is included in interest expense on the consolidated statements of income.

Property and Equipment

Property and equipment

Buildings and furniture and equipment are initially recorded at cost and are generally depreciated using the straight-line method over estimated useful lives ranging from 10 to 40 years and from 1 to 15 years, respectively. Leasehold improvements are initially recorded at cost and are amortized over the lesser of the remaining term of the respective lease or the estimated useful life, using the straight-line method. Computer software developed for internal use and for use with the Company’s products is amortized over estimated useful lives ranging from 1 to 15 years using the straight-line method. Software development and implementation costs, which include certain payroll-related costs of employees directly associated with developing or implementing software and payments to third parties directly associated with developing or implementing software are capitalized during the application development or implementation stage until the software is ready for its intended use.

Management evaluates the carrying value of property and equipment to be held and used when events and circumstances warrant such a review. The carrying value is considered impaired when either the anticipated undiscounted future cash flow from the asset is separately identifiable and is less than the carrying value, or when management identifies a specific asset to be abandoned. In the event that anticipated undiscounted future cash flows from an asset are determined to be less than its carrying value, a loss is recognized based on the amount by which the carrying value exceeds the fair value of the asset. Fair value is determined primarily through estimated future cash flows associated with the asset under review, discounted at a rate commensurate with the risk involved, or other valuation techniques. Losses on property and equipment to be abandoned are determined at the time of abandonment and are recognized at an amount equal to the carrying value.

Impairment losses on property and equipment for the years ended December 31, 2025 and 2024 primarily included $49.3 million and $39.5 million, respectively, in impairment losses to capitalized internal-use software. The impairment losses were due to either abandonment or the carrying amount no longer deemed recoverable and exceeding its fair value as a result of either being replaced with new technologies or determined to be of diminished value from a change in management strategy. These impairment losses, which were included in the title insurance and services segment, are included in net investment losses on the consolidated statements of income. Impairment losses for the year ended December 31, 2023 were not material.

Leases

Leases

The Company is, generally, a lessee in leases of commercial real estate, including office buildings and office space, and also certain equipment. Most of the Company’s leases of commercial real estate include one or more options to renew, with renewal terms that can extend the lease term from one to five years, and some leases include options to terminate the lease within the first year.

In connection with its lease commitments, the Company recognizes a lease liability equal to the present value of future lease payments discounted using its incremental borrowing rate and recognizes a lease asset equal to the lease liability, adjusted for any prepaid or accrued lease payments, lease incentives and initial direct costs.

As most of the Company’s leases do not provide an implicit discount rate, the Company applies its incremental borrowing rate, which is based on the information available as of the commencement date, in determining the present value of its lease payments.

The Company does not separately account for nonlease components (e.g., common-area maintenance costs) from the associated lease components (e.g., fixed payments including rent, real estate taxes and insurance costs) on leases of commercial real estate and instead accounts for both components as a single lease component for purposes of recognizing lease assets and liabilities. Variable lease costs, which include any variable lease and nonlease components and rents that vary based on changes to an index or rate, are expensed as incurred.

The Company excludes any leases with an initial term of 12 months or less from recognition on the balance sheet and for which lease expense is recognized on a straight-line basis over the lease term.

Management recognizes an impairment loss when the carrying amount of a lease asset is not recoverable and exceeds its fair value. The carrying amount is considered not recoverable if it exceeds the sum of the undiscounted future cash flows that are directly associated with, and that are expected to arise as a result of, the use and eventual disposition of the lease asset. An impairment loss is measured as the amount by which the carrying amount of a lease asset exceeds its fair value. Impairment losses related to the Company’s commercial real estate may occur if the Company ceased use of all, or a portion, of a leased property while a contractual obligation remains.

For further information on the Company’s leasing arrangements see Note 7 Leases.

Title plants and other indexes

Title plants and other indexes

Title plants are carried at cost, with the costs of daily maintenance (updating) charged to expense as incurred. Because properly maintained title plants have indefinite lives and do not diminish in value with the passage of time, no provision has been made for depreciation or amortization. The Company analyzes its title plants at least annually for impairment. This analysis includes, but is not limited to, the effects of obsolescence, duplication, demand and other economic factors. Capitalized real estate data is initially recorded at cost and is amortized using the straight-line method over a 15 year estimated useful life.

Business Combinations

Business Combinations

Amounts paid for acquisitions are allocated to the tangible and intangible assets acquired and liabilities assumed and are based on their estimated fair values at the date of acquisition. The excess of the fair value of purchase consideration over the fair values of the identifiable assets and liabilities is recorded as goodwill. Acquisition-related costs are expensed in the periods in which the costs are incurred. The results of operations of acquired businesses are included in the consolidated financial statements from the date of acquisition.

Goodwill Impairment

Goodwill Impairment

The Company is required to perform an annual goodwill impairment assessment for each reporting unit for which goodwill has been allocated. The reporting units that have been allocated goodwill include title insurance and home warranty. The Company’s trust and other services and corporate reporting units have no allocated goodwill and are, therefore, not assessed for impairment. The Company has elected to perform this annual assessment in the fourth quarter of each fiscal year or sooner if circumstances indicate possible impairment. Based on accounting guidance, the Company has the option to perform a qualitative assessment to determine if the fair value is more likely than not (i.e., a likelihood of greater than 50%) less than the carrying amount as a basis for determining whether it is necessary to perform a quantitative impairment test, or may choose to forego a qualitative assessment and perform a quantitative impairment test. The qualitative factors considered in this assessment may include macroeconomic conditions, industry and market considerations, overall financial performance as well as other relevant events and circumstances as determined by the Company. The Company evaluates the weight of each factor to determine whether it is more likely than not that impairment may exist. If the results of a qualitative assessment indicate the more likely than not threshold was not met, the Company may choose not to perform a quantitative impairment test. If, however, the more likely than not threshold is met, the Company will perform a quantitative test as required and discussed below.

Management’s quantitative impairment testing compares the fair value of each reporting unit to its carrying amount. The fair value of each reporting unit is determined by using discounted cash flow analysis and, where appropriate, market approach valuations. If the fair value of the reporting unit exceeds its carrying amount, the goodwill is not considered impaired and no additional analysis is required. However, if the carrying amount is greater than the fair value, an impairment charge is recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value, with the loss recognized limited to the total amount of goodwill allocated to that reporting unit.

The quantitative impairment test for goodwill utilizes a variety of valuation techniques, all of which require the Company to make estimates and judgments. Fair value is determined by employing an expected present value technique, which utilizes expected cash flows and an appropriate discount rate. The use of comparative market multiples (the “market approach”) compares the reporting unit to other comparable companies (if such comparables are present in the marketplace) based on valuation multiples to arrive at a fair value. In assessing the fair value, the Company utilizes the results of the valuations (including the market approach to the extent comparables are available) and considers the range of fair values determined under all methods and the extent to which the fair value exceeds the carrying amount of the reporting unit.

The valuation of each reporting unit includes the use of assumptions and estimates of many critical factors, including revenue growth rates and operating margins, discount rates and future market conditions, determination of market multiples and the establishment of a control premium, among others. Forecasts of future operations are based, in part, on operating results and the Company’s expectations as to future market conditions. These types of analyses contain uncertainties because they require the Company to make assumptions and to apply judgments to estimate industry economic factors and the profitability of future business strategies. However, if actual results are not consistent with the Company’s estimates and assumptions, the Company may be exposed to future impairment losses that could be material.

The Company performed qualitative assessments for both reporting units in 2025 and 2024. In 2023, the Company chose to perform a quantitative impairment test for its title insurance reporting unit and a qualitative assessment for its home warranty reporting unit. The results of the Company’s qualitative assessments in 2025 and 2024 for both reporting units and, in 2023, for the home warranty reporting unit, supported the conclusion that the reporting unit fair values were not more likely than not less than their carrying amounts and, therefore, a quantitative impairment test was not considered necessary. Based on the results of the quantitative test in 2023, the Company determined that the fair value for the title insurance reporting unit exceeded its carrying amount and no additional analysis was required. As a result of the Company’s annual goodwill impairment assessments, the Company did not record any goodwill impairment losses for 2025, 2024 or 2023.

Other Intangible Assets

Other intangible assets

The Company’s finite-lived intangible assets consist of customer relationships, noncompete agreements, trademarks, internal-use software licenses and patents. These assets are amortized on a straight-line basis over their useful lives ranging from 1 to 20 years and are subject to impairment assessments when there is an indication of a triggering event or abandonment. The Company’s indefinite-lived other intangible assets consist of licenses which are not amortized but rather assessed for impairment by comparing the fair values to carrying amounts at least annually, and when an indicator of potential impairment has occurred.

Management uses estimated future cash flows (undiscounted and excluding interest) to measure the recoverability of intangible assets with finite lives, whenever events or changes in circumstances indicate that the carrying amount may not be fully recoverable. If the undiscounted cash flow analysis indicates that the carrying amount is not recoverable, an impairment loss is recorded for the excess of the carrying amount over its fair value. Management’s impairment assessment for indefinite-lived other intangible assets include a valuation using a discounted cash flow analysis or through a market approach. If the fair value exceeds its carrying amount, the asset is not considered impaired and no additional analysis is required. However, if the carrying amount is greater than the fair value, an impairment loss is recorded equal to the excess.

Reserve for Known and Incurred but Not Reported Claims

Reserve for known and incurred but not reported claims

The Company provides for title insurance losses through a charge to expense when the related premium revenue is recognized. The amount charged to expense is generally determined by applying a rate (the loss provision rate) to total title insurance premiums and escrow fees. The Company’s management estimates the loss provision rate at the beginning of each year and reassesses the rate quarterly to ensure that the resulting incurred but not reported (“IBNR”) loss reserve and known claims reserve included in the Company’s consolidated balance sheets together reflect management’s best estimate of the total costs required to settle all IBNR and known claims. If the ending IBNR reserve is not considered adequate, an adjustment is recorded.

The process of assessing the loss provision rate and the resulting IBNR reserve involves an evaluation of the results of an in-house actuarial review. The Company’s in-house actuary performs a reserve analysis utilizing generally accepted actuarial methods that incorporate cumulative historical claims experience and information provided by in-house claims and operations personnel. Current economic and business trends are also contemplated as part of the reserve analysis. These include conditions in the real estate and mortgage markets, changes in residential and commercial real estate values, and changes in the levels of defaults and foreclosures that may affect claims levels and patterns of emergence, as well as any company-specific factors that may be relevant to past and future claims experience. Results from the analysis include, but are not limited to, a range of IBNR reserve estimates and a single point estimate for IBNR as of the balance sheet date.

For recent policy years at early stages of development (generally the last four to five years), IBNR is generally estimated using a combination of expected loss rate and multiplicative loss development factor calculations. For more mature policy years, IBNR generally is estimated using multiplicative loss development factor calculations. The expected loss rate method estimates IBNR by applying an expected loss rate to total title insurance premiums and escrow fees and by adjusting for policy year maturity using estimated loss development patterns. Multiplicative loss development factor calculations estimate IBNR by applying factors derived from loss development patterns to losses realized to date. The expected loss rate and loss development patterns are based on historical experience and the relationship of the history to the applicable policy years.

The Company’s management uses the IBNR point estimate from the in-house actuary’s analysis and other relevant information concerning claims, including a range of IBNR reserve estimates, to determine what it considers to be the best estimate of the total amount required for the IBNR reserve.

The volume and timing of title insurance claims are subject to cyclical influences from both the real estate and mortgage markets. Title policies issued to lenders constitute a large portion of the Company’s title insurance volume. These policies insure lenders against losses on mortgage loans due to title defects in the collateral property. Even if an underlying title defect exists that could result in a claim, often the lender must realize an actual loss, or at least be likely to realize an actual loss, for a title insurance liability to exist. As a result, title insurance claims exposure is sensitive to lenders’ losses on mortgage loans and is affected in turn by external factors that affect mortgage loan losses, particularly macroeconomic factors.

A general decline in real estate prices can expose lenders to greater risk of losses on mortgage loans, as loan-to-value ratios increase and defaults and foreclosures increase. Title insurance claims exposure for a given policy year is also affected by the quality of mortgage loan underwriting during the corresponding origination year. The Company believes that the sensitivity of claims to external conditions in the real estate and mortgage markets is an inherent feature of title insurance’s business economics that applies broadly to the title insurance industry.

Title insurance policies are long-duration contracts with the majority of the claims reported to the Company within the first few years following the issuance of the policy. Generally, 65% to 75% of claim amounts become known in the first six years of the policy life, and the majority of IBNR reserves relate to the six most recent policy years. Changes in expected ultimate losses and corresponding loss rates for recent policy years are considered likely and could result in a material adjustment to the IBNR reserves. A material change in expected ultimate losses and corresponding loss rates for older policy years is also possible, particularly for policy years with loss rates exceeding historical norms. The estimates made by management in determining the appropriate level of IBNR reserves could ultimately prove to be materially different from actual claims experience.

The Company provides for claims losses relating to its home warranty business based on the average cost per claim and historical loss experience as applied to the total of current claims incurred. The average cost per home warranty claim is calculated using the average of the most recent 12 months of claims experience adjusted for estimated future increases in costs.

Contingent Litigation and Regulatory Liabilities

Contingent litigation and regulatory liabilities

Amounts related to contingent litigation and regulatory liabilities are accrued if it is probable that a liability has been incurred and an amount is reasonably estimable. The Company records legal fees in other operating expenses in the period incurred.

Revenues

Revenues

Premiums on title policies issued directly by the Company are recognized on the effective date of the title policy and escrow fees are recorded upon close of the escrow.

Revenues from title policies issued by agents are recorded when notice of issuance is received from the agent, which is generally when cash payment is received by the Company.

Premiums on home warranty contracts are generally recognized ratably in proportion to expected claims experience over the duration of the policy or contract, which is typically 12 months.

Information and other revenues are recognized when control of the promised goods or services is transferred to the customer and in an amount that reflects the consideration the Company expects to be entitled to in exchange for these goods or services.

For those products and services where the Company’s performance obligation is satisfied at a point in time and for which there is no ongoing obligation, revenue is recognized upon delivery. For those products and services where the Company satisfies its performance obligation over time as the product or service is being transferred to the customer, revenue is generally recognized using the output method as the products or services are delivered.

The Company applies the optional exemptions allowed under accounting guidance whereby the Company is not required to disclose either the transaction price allocated to performance obligations that are unsatisfied as of the end of the period or an explanation as to when the Company expects to recognize the related revenue. Such contracts generally include performance obligations that are contingent upon the closing of a real estate transaction or include variable consideration based on order volumes and have remaining contract terms of generally less than three years. The Company is allowed to apply the optional exemptions to its remaining performance obligations due to (1) the performance obligation is part of a contract that has an original duration of one year or less, (2) the associated revenue is based on the Company’s right to invoice for the value of the product or service delivered, (3) the associated variable consideration is allocated entirely to wholly unsatisfied performance obligations or (4) immateriality.

The Company also applies the practical expedient allowed under accounting guidance whereby it can disregard the impact to the transaction price of the effects of a significant financing component for arrangements where the Company expects the period between delivery of the product or service and customer payment to be one year or less. In addition, the Company applies the practical expedient whereby it recognizes the incremental costs of obtaining a contract as an expense when incurred if the amortization period for the asset that the Company otherwise would have recognized is one year or less.

The Company records a contract asset, and recognizes revenue, upon delivery of certain products related to the closing of a real estate transaction where the Company’s right to payment is subject to the closing of the transaction. The Company records a contract liability for payments received in advance of revenue recognition for certain products or services. Contract assets and liabilities were not material at December 31, 2025 and 2024. Revenues recognized during the years ended December 31, 2025, 2024 and 2023 that were included in contract liabilities at the beginning of the respective period were not material.

For information about the Company’s revenues disaggregated by reportable segment see Note 22 Segment Financial Information.

Premium Taxes

Premium taxes

Title insurance and home warranty companies, like other types of insurers, are generally not subject to state income or franchise taxes. However, in lieu thereof, most states impose a tax based primarily on insurance premiums written. This premium tax is reported as a separate line item in the consolidated statements of income in order to provide a more meaningful disclosure of the taxation of the Company.

Income Taxes

Income taxes

The Company accounts for income taxes under the asset and liability method, whereby deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. The Company evaluates the need to establish a valuation allowance for deferred tax assets based upon the amount of existing temporary differences, the period in which they are expected to be recovered and expected levels of taxable income. A valuation allowance is established when it is considered more likely than not that some or all of the deferred tax assets will not be realized.

The Company recognizes the effect of income tax positions only if sustaining those positions is considered more likely than not. Changes in recognition or measurement of uncertain tax positions are reflected in the period in which a change in judgment occurs. The Company recognizes interest and penalties related to uncertain tax positions in income tax expense.

Share-Based Compensation

Share-based compensation

The Company measures the cost of employee services received in exchange for an award of equity instruments based on the grant-date fair value of the award. The cost is recognized in the Company’s financial statements over the requisite service period of the award using the straight-line method for awards that contain only a service condition and the graded vesting method for awards that contain a performance or market condition. For awards with retirement eligibility provisions, the cost is recognized through the date the employee becomes eligible to retire and is no longer required to provide service to earn the award. The Company accounts for forfeitures as they occur. The Company utilizes a Monte Carlo valuation model to estimate the fair value of its market-based equity-settled performance awards.

The Company’s primary means of providing share-based compensation is through the granting of restricted stock units (“RSUs”). RSUs granted generally have graded vesting features and include a service condition; and, for certain employees and executives, may also include either a performance or market condition. The Company also grants performance restricted stock units (“PRSUs”) to certain employees and executives, which generally contain service and either performance or market conditions. RSUs and PRSUs receive dividend equivalents in the form of RSUs/PRSUs having the same vesting requirements as the initial grant.

The Company also offers an employee stock purchase plan that allows eligible employees the option to purchase common stock of the Company at 85% of the lower of the closing price on either the first or last day of each offering period. The offering periods are three-month periods beginning on January 1, April 1, July 1 and October 1 of each fiscal year. The Company recognizes an expense in the amount equal to the value of the 15% discount and look-back feature over the three-month offering period.

Earnings Per Share

Earnings per share

Basic earnings per share is computed by dividing net income available to the Company’s stockholders by the weighted-average number of common shares outstanding. The computation of diluted earnings per share is similar to the computation of basic earnings per share, except that the weighted-average number of common shares outstanding is increased to include the effect of dilutive potential common shares outstanding during the period using the treasury stock method. Potential dilutive common shares include RSUs and PRSUs.

Employee Benefit Plans

Employee benefit plans

The Company recognizes the underfunded status of its unfunded supplemental benefit plans as a liability on its consolidated balance sheets. Actuarial gains and losses that have not been previously recognized as a component of net periodic benefit cost are recorded as a component of accumulated other comprehensive income/loss. Plan obligations are measured annually as of December 31.

The Company informally funds its nonqualified deferred compensation plan through tax-advantaged investments known as variable universal life insurance. The Company’s deferred compensation plan assets are included as a component of other assets and the Company’s deferred compensation plan liability is included as a component of pension costs and other retirement plans on the consolidated balance sheets. The income or loss earned on the Company’s plan assets is included as a component of net investment income and the income or loss earned by the plan participants is included as a component of personnel costs on the consolidated statements of income.

Foreign Currency

Foreign currency

The Company operates in other countries, including Canada, the United Kingdom, South Korea, Australia and New Zealand. The functional currencies of the Company’s foreign subsidiaries are generally their respective local currencies. The financial statements of foreign subsidiaries with local currencies that were determined to be the functional currency are translated into U.S. dollars as follows: assets and liabilities at the exchange rate as of the balance sheet date, equity at the historical rates of exchange, and income and expense amounts at average rates prevailing during the period. Translation adjustments resulting from the translation of the subsidiaries’ accounts are included in accumulated other comprehensive income/loss as a separate component of stockholders’ equity. For those foreign subsidiaries where the U.S. dollar has been determined to be the functional currency, non-monetary assets and liabilities are translated using historical rates, while monetary assets and liabilities are translated at current rates, with remeasurement gains and losses included in other operating expenses. Gains and losses resulting from foreign currency transactions are included within other operating expenses.

Reinsurance

Reinsurance

The Company’s title insurance business assumes and cedes large title insurance risks through reinsurance. Additionally, the Company has limited reinsurance arrangements related to certain products offered through its international operations. In reinsurance arrangements, the primary insurer retains a certain amount of risk under a policy and cedes the remainder of the risk under the policy to the reinsurer. The primary insurer pays the reinsurer a premium in exchange for accepting this risk of loss. The primary insurer generally remains liable to its insured for the total risk but is reinsured under the terms of the reinsurance agreement. The amount of premiums assumed and ceded is recorded as a component of direct premiums and escrow fees on the Company’s consolidated statements of income. The total amount of premiums assumed and ceded in connection with reinsurance and payments and recoveries on reinsured losses were not material during the years ended December 31, 2025, 2024 and 2023.

Escrow deposits and trust assets

Escrow deposits and trust assets

The Company administers escrow deposits as a service to customers in its direct title operations. Escrow deposits totaled $9.3 billion and $8.9 billion at December 31, 2025 and 2024, respectively, of which $3.7 billion and $4.0 billion, respectively, were held at First American Trust, FSB (“FA Trust”). The remaining deposits were held at third-party financial institutions. Escrow deposits held at third-party financial institutions are not considered assets of the Company and, therefore, are not included in the accompanying consolidated balance sheets. All such amounts are placed in deposit accounts insured, up to applicable limits, by the Federal Deposit Insurance Corporation. The Company could be held contingently liable for the disposition of these assets.

Trust assets administered by FA Trust totaled $5.6 billion and $4.8 billion at December 31, 2025 and 2024, respectively, of which $173.9 million and $169.4 million, respectively, were held at FA Trust. The remaining trust assets were held at third-party financial institutions. Trust assets administered by FA Trust and held at third-party institutions are fiduciary client assets. As such, these trust assets are not considered assets of the Company and, therefore, are not included in the accompanying consolidated balance sheets. The Company could be held contingently liable if FA Trust were to breach any of its fiduciary duties.

In conducting its operations, the Company often holds customers’ assets in escrow, pending completion of real estate transactions and, as a result, the Company has ongoing programs for realizing economic benefits with various financial institutions. The results from these programs are included as either income or as a reduction in expense, as appropriate, in the consolidated statements of income based on the nature of the arrangement and benefit received.

Like-kind exchanges

The Company facilitates tax-deferred property exchanges for customers pursuant to Section 1031 of the Internal Revenue Code and tax-deferred reverse exchanges pursuant to Revenue Procedure 2000-37. As a facilitator and intermediary, the Company holds the proceeds from sales transactions and takes temporary title to property identified by the customer to be acquired with such proceeds. Upon the completion of each such exchange, the identified property is transferred to the customer or, if the exchange does not take place, an amount equal to the sales proceeds or, in the case of a reverse exchange, title to the property held by the Company is transferred to the customer. Like-kind exchange funds administered by the Company totaled $2.7 billion and $2.3 billion at December 31, 2025 and 2024, respectively. In 2025, FA Trust began administering like-kind exchange funds and, at December 31, 2025, held $93.6 million of such deposits. The like-kind exchange deposits held at third-party financial institutions are not included in the accompanying consolidated balance sheets as the proceeds and property are not considered assets of the Company due to the structure utilized to facilitate these transactions. All such amounts are placed in deposit accounts insured, up to applicable limits, by the Federal Deposit Insurance Corporation. The Company could be held contingently liable to the customer for the transfers of property, disbursements of proceeds and the returns on such proceeds.

Subservicing Deposits

Subservicing deposits

In conducting its residential mortgage loan subservicing operations, the Company administers cash deposits on behalf of its clients. Cash deposits totaled $1.6 billion and $901.0 million at December 31, 2025 and 2024, respectively, of which $1.0 billion and $606.5 million, respectively, were held at FA Trust. The remaining deposits were held at third-party financial institutions. Cash deposits held at third-party financial institutions are not considered assets of the Company and, therefore, are not included in the accompanying consolidated balance sheets. All such amounts are placed in deposit accounts insured, up to applicable limits, by the Federal Deposit Insurance Corporation. The Company could be held contingently liable for the disposition of these assets. In connection with certain accounts, the Company has ongoing programs for realizing economic benefits with various financial institutions whereby it earns economic benefits either as income or as a reduction in expense. In 2025, the Company agreed to provide a secured interest in certain debt securities with a fair value of $54.9 million as collateral to be maintained on deposit in connection with a new mortgage loan subservicing agreement.

Deposit balances held at FA Trust are temporarily invested in cash and cash equivalents and debt securities, with offsetting liabilities included in deposits in the accompanying consolidated balance sheets.

The Company regularly reviews the financial strength of third-party financial institutions where deposits are held and, based on this review and the fact that all amounts are placed in deposit accounts insured, up to applicable limits, by the Federal Deposit Insurance Corporation, does not expect any credit losses; therefore the Company has not recorded a liability for credit losses.

Pending Accounting Pronouncements

Recently Adopted Accounting Pronouncements

In December 2023, the Financial Accounting Standards Board (“FASB”) issued updated guidance intended to enhance the transparency and decision usefulness of income tax disclosures. The updated guidance requires disclosure of specific categories and greater disaggregation of information included in the rate reconciliation and additional disclosures related to income taxes paid. Except for the disclosure requirements, the adoption of this guidance, effective January 1, 2025, had no impact on the Company's consolidated financial statements.

In August 2023, the FASB issued updated guidance intended to provide decision-useful information to investors and reduce diversity in practice in accounting for contributions made to a joint venture, upon formation, in a joint venture’s separate financial statements. The updated guidance requires joint ventures to recognize and initially measure their assets and liabilities at fair value with certain exceptions to fair value measurement consistent with business combination guidance. The updated guidance, which was adopted on January 1, 2025, had no impact on the Company's consolidated financial statements.

 

Pending Accounting Pronouncements

In September 2025, the FASB issued updated guidance intended to modernize the accounting for internal-use software costs. The updated guidance better aligns the accounting with how software is currently developed by making the guidance more relevant for agile and iterative development methods. Under the updated guidance, an entity is required to begin capitalizing software costs when management has authorized and committed to funding a software project and it is probable that the project will be completed and the software will be used to perform the function intended. The updated guidance is effective for interim and annual reporting periods beginning after December 15, 2027, with early adoption permitted, and can be applied prospectively, retrospectively, or through a modified prospective method in the Company's financial statements. The Company does not expect the adoption of this guidance to have a material impact on its consolidated financial statements.

In November 2024, the FASB issued updated guidance intended to improve financial reporting by requiring entities to disclose additional information in the notes to the financial statements about specific expense categories within the income statement. The updated guidance is effective for annual reporting periods beginning after December 15, 2026 and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. The updated disclosures can be applied either prospectively or retrospectively in the Company's financial statements. Except for the disclosure requirements, the Company does not expect the adoption of this guidance to have a material impact on its consolidated financial statements.

v3.25.4
Debt Securities (Tables)
12 Months Ended
Dec. 31, 2025
Investments, Debt and Equity Securities [Abstract]  
Investments in Debt Securities, Classified as Available-For-Sale

Investments in debt securities, classified as available-for-sale, are as follows:

 

 

Amortized

 

 

Gross unrealized

 

 

Estimated

 

(in millions)

 

cost

 

 

gains

 

 

losses

 

 

fair value

 

December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

244.2

 

 

$

1.0

 

 

$

(1.6

)

 

$

243.6

 

Municipal bonds

 

 

1,003.5

 

 

 

9.9

 

 

 

(53.3

)

 

 

960.1

 

Foreign government bonds

 

 

239.4

 

 

 

1.1

 

 

 

(5.3

)

 

 

235.2

 

Governmental agency bonds

 

 

268.3

 

 

 

0.3

 

 

 

(7.6

)

 

 

261.0

 

Governmental agency mortgage-backed securities

 

 

5,401.9

 

 

 

41.9

 

 

 

(183.0

)

 

 

5,260.8

 

U.S. corporate debt securities

 

 

1,032.8

 

 

 

15.7

 

 

 

(13.7

)

 

 

1,034.8

 

Foreign corporate debt securities

 

 

466.6

 

 

 

9.5

 

 

 

(4.9

)

 

 

471.2

 

 

$

8,656.7

 

 

$

79.4

 

 

$

(269.4

)

 

$

8,466.7

 

December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

180.7

 

 

$

0.1

 

 

$

(5.2

)

 

$

175.6

 

Municipal bonds

 

 

844.9

 

 

 

5.3

 

 

 

(73.7

)

 

 

776.5

 

Foreign government bonds

 

 

217.1

 

 

 

1.6

 

 

 

(7.1

)

 

 

211.6

 

Governmental agency bonds

 

 

203.8

 

 

 

 

 

 

(14.0

)

 

 

189.8

 

Governmental agency mortgage-backed securities

 

 

4,844.4

 

 

 

1.7

 

 

 

(343.8

)

 

 

4,502.3

 

U.S. corporate debt securities

 

 

948.4

 

 

 

5.6

 

 

 

(28.4

)

 

 

925.6

 

Foreign corporate debt securities

 

 

491.6

 

 

 

5.3

 

 

 

(12.4

)

 

 

484.5

 

 

$

7,730.9

 

 

$

19.6

 

 

$

(484.6

)

 

$

7,265.9

 

 

Gross Unrealized Losses on Investments in Debt Securities

Investments in debt securities in an unrealized loss position, and their respective length of time in such position, are as follows:

 

Less than 12 months

 

 

12 months or longer

 

 

Total

 

(in millions)

 

Estimated
fair value

 

 

Unrealized
losses

 

 

Estimated
fair value

 

 

Unrealized
losses

 

 

Estimated
fair value

 

 

Unrealized
losses

 

December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

61.7

 

 

$

(0.3

)

 

$

36.3

 

 

$

(1.3

)

 

$

98.0

 

 

$

(1.6

)

Municipal bonds

 

 

118.6

 

 

 

(1.1

)

 

 

451.3

 

 

 

(52.2

)

 

 

569.9

 

 

 

(53.3

)

Foreign government bonds

 

 

76.2

 

 

 

(0.3

)

 

 

59.8

 

 

 

(5.0

)

 

 

136.0

 

 

 

(5.3

)

Governmental agency bonds

 

 

210.6

 

 

 

(1.5

)

 

 

28.9

 

 

 

(6.1

)

 

 

239.5

 

 

 

(7.6

)

Governmental agency mortgage-backed
   securities

 

 

988.8

 

 

 

(9.8

)

 

 

1,479.1

 

 

 

(173.2

)

 

 

2,467.9

 

 

 

(183.0

)

U.S. corporate debt securities

 

 

169.4

 

 

 

(0.8

)

 

 

101.2

 

 

 

(12.9

)

 

 

270.6

 

 

 

(13.7

)

Foreign corporate debt securities

 

 

32.3

 

 

 

(0.2

)

 

 

69.0

 

 

 

(4.7

)

 

 

101.3

 

 

 

(4.9

)

 

$

1,657.6

 

 

$

(14.0

)

 

$

2,225.6

 

 

$

(255.4

)

 

$

3,883.2

 

 

$

(269.4

)

December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

81.8

 

 

$

(1.8

)

 

$

52.9

 

 

$

(3.4

)

 

$

134.7

 

 

$

(5.2

)

Municipal bonds

 

 

248.3

 

 

 

(4.4

)

 

 

417.0

 

 

 

(69.3

)

 

 

665.3

 

 

 

(73.7

)

Foreign government bonds

 

 

29.8

 

 

 

(0.2

)

 

 

72.7

 

 

 

(6.9

)

 

 

102.5

 

 

 

(7.1

)

Governmental agency bonds

 

 

144.4

 

 

 

(5.3

)

 

 

37.9

 

 

 

(8.7

)

 

 

182.3

 

 

 

(14.0

)

Governmental agency mortgage-backed
   securities

 

 

2,977.2

 

 

 

(98.4

)

 

 

1,290.4

 

 

 

(245.4

)

 

 

4,267.6

 

 

 

(343.8

)

U.S. corporate debt securities

 

 

435.2

 

 

 

(9.6

)

 

 

117.5

 

 

 

(18.8

)

 

 

552.7

 

 

 

(28.4

)

Foreign corporate debt securities

 

 

159.4

 

 

 

(3.2

)

 

 

110.5

 

 

 

(9.2

)

 

 

269.9

 

 

 

(12.4

)

 

$

4,076.1

 

 

$

(122.9

)

 

$

2,098.9

 

 

$

(361.7

)

 

$

6,175.0

 

 

$

(484.6

)

Investments in Debt Securities by Contractual Maturity

Investments in debt securities at December 31, 2025, by contractual maturities, are as follows:

 

(in millions)

 

Due in one
year or less

 

 

Due after
one
through
five years

 

 

Due after
five
through
ten years

 

 

Due after
ten years

 

 

Total

 

U.S. Treasury bonds

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

$

47.7

 

 

$

129.6

 

 

$

43.5

 

 

$

23.4

 

 

$

244.2

 

Estimated fair value

 

$

47.2

 

 

$

129.8

 

 

$

43.6

 

 

$

23.0

 

 

$

243.6

 

Municipal bonds

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

7.7

 

 

 

126.6

 

 

 

430.9

 

 

 

438.3

 

 

 

1,003.5

 

Estimated fair value

 

 

7.7

 

 

 

125.5

 

 

 

401.8

 

 

 

425.1

 

 

 

960.1

 

Foreign government bonds

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

64.1

 

 

 

127.0

 

 

 

44.7

 

 

 

3.6

 

 

 

239.4

 

Estimated fair value

 

 

64.2

 

 

 

124.7

 

 

 

43.5

 

 

 

2.8

 

 

 

235.2

 

Governmental agency bonds

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

0.6

 

 

 

0.8

 

 

 

207.5

 

 

 

59.4

 

 

 

268.3

 

Estimated fair value

 

 

0.6

 

 

 

0.8

 

 

 

206.3

 

 

 

53.3

 

 

 

261.0

 

U.S. corporate debt securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

11.3

 

 

 

494.8

 

 

 

395.1

 

 

 

131.6

 

 

 

1,032.8

 

Estimated fair value

 

 

11.3

 

 

 

499.3

 

 

 

400.6

 

 

 

123.6

 

 

 

1,034.8

 

Foreign corporate debt securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

23.0

 

 

 

310.9

 

 

 

96.6

 

 

 

36.1

 

 

 

466.6

 

Estimated fair value

 

 

23.0

 

 

 

315.0

 

 

 

98.9

 

 

 

34.3

 

 

 

471.2

 

Total debt securities, excluding mortgage-backed
   securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

$

154.4

 

 

$

1,189.7

 

 

$

1,218.3

 

 

$

692.4

 

 

$

3,254.8

 

Estimated fair value

 

$

154.0

 

 

$

1,195.1

 

 

$

1,194.7

 

 

$

662.1

 

 

$

3,205.9

 

Total mortgage-backed securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5,401.9

 

Estimated fair value

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5,260.8

 

Total debt securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amortized cost

 

 

 

 

 

 

 

 

 

 

 

 

 

$

8,656.7

 

Estimated fair value

 

 

 

 

 

 

 

 

 

 

 

 

 

$

8,466.7

 

Composition of Debt Securities Portfolio by Credit Rating Agencies

The composition of the debt securities portfolio at December 31, 2025, by credit rating, is as follows:

 

 

A- or higher

 

 

BBB+ to BBB-

 

 

Non-Investment Grade

 

 

Total

 

(dollars in millions)

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

U.S. Treasury bonds

 

$

243.6

 

 

 

100.0

%

 

$

 

 

 

%

 

$

 

 

 

%

 

$

243.6

 

Municipal bonds

 

 

938.5

 

 

 

97.8

 

 

 

20.3

 

 

 

2.1

 

 

 

1.3

 

 

 

0.1

 

 

 

960.1

 

Foreign government bonds

 

 

228.5

 

 

 

97.2

 

 

 

5.9

 

 

 

2.5

 

 

 

0.8

 

 

 

0.3

 

 

 

235.2

 

Governmental agency bonds

 

 

261.0

 

 

 

100.0

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

261.0

 

Governmental agency
   mortgage-backed securities

 

 

5,260.8

 

 

 

100.0

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5,260.8

 

U.S. corporate debt securities

 

 

645.9

 

 

 

62.4

 

 

 

312.5

 

 

 

30.2

 

 

 

76.4

 

 

 

7.4

 

 

 

1,034.8

 

Foreign corporate debt securities

 

 

277.8

 

 

 

58.9

 

 

 

179.3

 

 

 

38.1

 

 

 

14.1

 

 

 

3.0

 

 

 

471.2

 

 

$

7,856.1

 

 

 

92.8

%

 

$

518.0

 

 

 

6.1

%

 

$

92.6

 

 

 

1.1

%

 

$

8,466.7

 

Composition of Debt Securities Portfolio in Unrealized Loss Position by Credit Rating Agencies

The composition of the debt securities portfolio in an unrealized loss position at December 31, 2025, by credit rating, is as follows:

 

 

A- or higher

 

 

BBB+ to BBB-

 

 

Non-Investment Grade

 

 

Total

 

(dollars in millions)

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

 

Percentage

 

 

Estimated
fair value

 

U.S. Treasury bonds

 

$

98.0

 

 

 

100.0

%

 

$

 

 

 

%

 

$

 

 

 

%

 

$

98.0

 

Municipal bonds

 

 

555.1

 

 

 

97.4

 

 

 

14.5

 

 

 

2.5

 

 

 

0.3

 

 

 

0.1

 

 

 

569.9

 

Foreign government bonds

 

 

133.0

 

 

 

97.8

 

 

 

2.5

 

 

 

1.8

 

 

 

0.5

 

 

 

0.4

 

 

 

136.0

 

Governmental agency bonds

 

 

239.5

 

 

 

100.0

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

239.5

 

Governmental agency
   mortgage-backed securities

 

 

2,467.9

 

 

 

100.0

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

2,467.9

 

U.S. corporate debt securities

 

 

176.9

 

 

 

65.4

 

 

 

81.7

 

 

 

30.2

 

 

 

12.0

 

 

 

4.4

 

 

 

270.6

 

Foreign corporate debt securities

 

 

49.6

 

 

 

49.0

 

 

 

47.0

 

 

 

46.4

 

 

 

4.7

 

 

 

4.6

 

 

 

101.3

 

 

$

3,720.0

 

 

 

95.7

%

 

$

145.7

 

 

 

3.8

%

 

$

17.5

 

 

 

0.5

%

 

$

3,883.2

 

 

v3.25.4
Equity Securities (Tables)
12 Months Ended
Dec. 31, 2025
Investments, Debt and Equity Securities [Abstract]  
Summary of Investments in Equity Securities, by Accounting Classification

Investments in equity securities, by accounting classification, are summarized as follows:

 

 

 

December 31,

 

(in millions)

 

2025

 

 

2024

 

Marketable equity securities

 

$

477.6

 

 

$

386.8

 

Non-marketable equity securities

 

 

273.5

 

 

 

202.4

 

Equity method investments

 

 

98.0

 

 

 

102.1

 

 

$

849.1

 

 

$

691.3

 

 

Summary of Investments in Marketable Equity Securities

Investments in marketable equity securities are summarized as follows:

 

(in millions)

 

Cost

 

 

Unrealized
gains (losses)

 

 

Estimated
fair value

 

December 31, 2025

 

 

 

 

 

 

 

 

 

Common stocks

 

$

457.9

 

 

$

9.8

 

 

$

467.7

 

Preferred stocks

 

 

9.0

 

 

 

0.9

 

 

 

9.9

 

 

$

466.9

 

 

$

10.7

 

 

$

477.6

 

December 31, 2024

 

 

 

 

 

 

 

 

 

Common stocks

 

$

397.3

 

 

$

(22.6

)

 

$

374.7

 

Preferred stocks

 

 

12.0

 

 

 

0.1

 

 

 

12.1

 

 

$

409.3

 

 

$

(22.5

)

 

$

386.8

 

Summary of Changes in Carrying Amounts of Non-Marketable Equity Securities

A summary of the changes in the carrying amounts of non-marketable equity securities, which primarily relate to the Company's venture investment portfolio, for the years ended December 31, 2025 and 2024, is as follows:

 

 

 

Year ended December 31,

 

(in millions)

 

2025

 

 

2024

 

Carrying amount, beginning of period

 

$

202.4

 

 

$

224.1

 

Net additions

 

 

45.0

 

 

 

6.0

 

Gross unrealized gains

 

 

35.3

 

 

 

1.5

 

Gross unrealized losses and impairments

 

 

(9.2

)

 

 

(29.2

)

Carrying amount, end of period

 

$

273.5

 

 

$

202.4

 

Summary of Cumulative Gross Unrealized Gains and Cumulative Gross Unrealized Losses and Impairments

Cumulative gross unrealized gains and cumulative gross unrealized losses and impairments related to non-marketable equity securities at December 31, 2025 and 2024, are summarized as follows:

 

 

December 31,

 

(in millions)

 

2025

 

 

2024

 

Cumulative gross unrealized gains

 

$

280.1

 

 

$

244.8

 

Cumulative gross unrealized losses and impairments

 

$

360.8

 

 

$

351.6

 

v3.25.4
Allowance for Credit Losses – Accounts Receivable (Tables)
12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Summary of Allowance for Credit Losses on Accounts Receivables

Activity in the allowance for credit losses on accounts receivable is summarized as follows:

 

 

 

Year Ended December 31,

 

(in millions)

 

2025

 

 

2024

 

Balance at beginning of period

 

$

21.5

 

 

$

21.8

 

Provision for expected credit losses

 

 

9.5

 

 

 

8.7

 

Write-offs/recoveries

 

 

(7.1

)

 

 

(9.0

)

Balance at end of period

 

$

23.9

 

 

$

21.5

 

 

v3.25.4
Property and Equipment (Tables)
12 Months Ended
Dec. 31, 2025
Property, Plant and Equipment [Abstract]  
Schedule of Property and Equipment

Property and equipment is summarized as follows:

 

 

December 31,

 

(in millions)

 

2025

 

 

2024

 

Land

 

$

25.2

 

 

$

26.5

 

Buildings

 

 

199.3

 

 

 

195.8

 

Leasehold improvements

 

 

61.0

 

 

 

66.5

 

Furniture and equipment

 

 

174.0

 

 

 

175.7

 

Capitalized internal-use software

 

 

1,336.4

 

 

 

1,283.2

 

 

 

1,795.9

 

 

 

1,747.7

 

Accumulated depreciation and amortization

 

 

(1,113.6

)

 

 

(1,002.6

)

 

$

682.3

 

 

$

745.1

 

 

v3.25.4
Leases (Tables)
12 Months Ended
Dec. 31, 2025
Leases [Abstract]  
Summary of Lease Assets and Liabilities

Lease assets and liabilities are summarized as follows:

 

 

December 31,

 

 

 

(in millions)

 

2025

 

 

2024

 

 

Classification

Assets

 

 

 

 

 

 

 

 

Operating lease assets

 

$

205.7

 

 

$

214.7

 

 

Operating lease assets

Finance lease assets

 

 

3.9

 

 

 

6.2

 

 

Other assets

Total lease assets

 

$

209.6

 

 

$

220.9

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities

 

 

 

 

 

 

 

 

Operating lease liabilities

 

$

218.2

 

 

$

229.9

 

 

Operating lease liabilities

Finance lease liabilities

 

 

3.7

 

 

 

5.7

 

 

Notes and contracts payable

Total lease liabilities

 

$

221.9

 

 

$

235.6

 

 

 

 

Summary of Components of Lease Expense

The components of lease expense are summarized as follows:

 

 

 

Year ended December 31,

 

 

 

(in millions)

 

2025

 

 

2024

 

 

2023

 

 

Classification

Operating lease cost

 

$

80.8

 

 

$

85.6

 

 

$

89.0

 

 

Other operating expenses

Finance lease cost:

 

 

 

 

 

 

 

 

 

 

 

Amortization of lease assets

 

 

2.3

 

 

 

2.7

 

 

 

1.7

 

 

Depreciation and amortization

Interest of lease liabilities

 

 

0.1

 

 

 

0.2

 

 

 

0.1

 

 

Interest

Variable lease cost

 

 

30.2

 

 

 

29.7

 

 

 

31.8

 

 

Other operating expenses

Short-term lease cost

 

 

1.4

 

 

 

1.4

 

 

 

2.1

 

 

Other operating expenses

Sublease income

 

 

(3.2

)

 

 

(2.7

)

 

 

(2.7

)

 

Information and other

Net lease cost

 

$

111.6

 

 

$

116.9

 

 

$

122.0

 

 

 

 

Schedule of Future Minimum Lease Payments Under Operating and Finance Lease with Noncancelable Lease Terms

Future minimum lease payments under operating and finance leases with noncancelable lease terms, as of December 31, 2025, are summarized as follows:

 

(in millions)

 

Operating
Leases

 

 

Finance
Leases

 

 

Total

 

2026

 

$

75.9

 

 

$

2.0

 

 

$

77.9

 

2027

 

 

58.5

 

 

 

0.8

 

 

 

59.3

 

2028

 

 

39.4

 

 

 

0.8

 

 

 

40.2

 

2029

 

 

26.1

 

 

 

0.2

 

 

 

26.3

 

2030

 

 

17.9

 

 

 

 

 

 

17.9

 

Thereafter

 

 

31.1

 

 

 

 

 

 

31.1

 

Total lease payments

 

 

248.9

 

 

 

3.8

 

 

 

252.7

 

Interest

 

 

(30.7

)

 

 

(0.1

)

 

 

(30.8

)

Present value of lease liabilities

 

$

218.2

 

 

$

3.7

 

 

$

221.9

 

 

Schedule of Information Related to Lease Terms and Discount Rate

Information related to lease terms and discount rates is summarized as follows:

 

 

December 31,

 

 

2025

 

 

2024

 

Weighted-average remaining lease terms (years):

 

 

 

 

 

 

Operating leases

 

 

4.5

 

 

 

4.5

 

Finance leases

 

 

2.5

 

 

 

3.2

 

Weighted-average discount rates:

 

 

 

 

 

 

Operating leases

 

 

5.40

%

 

 

5.03

%

Finance leases

 

 

2.33

%

 

 

2.29

%

 

Schedule of Cash Flow Information Related to Lease Liabilities

Cash flow information related to lease liabilities is summarized as follows:

 

 

 

Year ended December 31,

 

(in millions)

 

2025

 

 

2024

 

 

2023

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

 

 

 

 

 

 

 

Operating cash flows from operating leases

 

$

83.8

 

 

$

87.4

 

 

$

91.5

 

Operating cash flows from finance leases

 

$

0.1

 

 

$

0.2

 

 

$

0.1

 

Financing cash flows from finance leases

 

$

2.3

 

 

$

2.6

 

 

$

1.8

 

Operating lease assets obtained in exchange for new operating lease liabilities

 

$

57.1

 

 

$

61.7

 

 

$

58.9

 

Finance lease assets obtained in exchange for new finance lease liabilities

 

$

 

 

$

6.1

 

 

$

1.5

 

 

v3.25.4
Goodwill (Tables)
12 Months Ended
Dec. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
Carrying Amounts of Goodwill by Reportable Segment

A summary of the changes in the carrying amounts of goodwill, by reportable segment, for the years ended December 31, 2025 and 2024, is as follows:

 

(in millions)

 

Title
Insurance
and Services

 

 

Home Warranty

 

 

Total

 

Balance as of December 31, 2023

 

$

1,766.6

 

 

$

40.9

 

 

$

1,807.5

 

Acquisitions

 

 

1.4

 

 

 

 

 

 

1.4

 

Foreign currency translation

 

 

(4.6

)

 

 

 

 

 

(4.6

)

Balance as of December 31, 2024

 

$

1,763.4

 

 

$

40.9

 

 

$

1,804.3

 

Acquisitions

 

 

10.5

 

 

 

 

 

 

10.5

 

Foreign currency translation

 

 

4.5

 

 

 

 

 

 

4.5

 

Balance as of December 31, 2025

 

$

1,778.4

 

 

$

40.9

 

 

$

1,819.3

 

 

v3.25.4
Other Intangible Assets (Tables)
12 Months Ended
Dec. 31, 2025
Intangible Assets, Gross (Excluding Goodwill) [Abstract]  
Schedule of Other Intangible Assets

Other intangible assets are summarized as follows:

 

 

December 31,

 

(in millions)

 

2025

 

 

2024

 

Finite-lived intangible assets:

 

 

 

 

 

 

Customer relationships

 

$

148.8

 

 

$

160.8

 

Noncompete agreements

 

 

4.5

 

 

 

10.5

 

Trademarks

 

 

70.9

 

 

 

70.7

 

Internal-use software licenses

 

 

19.5

 

 

 

21.7

 

Patents

 

 

2.8

 

 

 

2.8

 

 

 

246.5

 

 

 

266.5

 

Accumulated amortization

 

 

(163.4

)

 

 

(158.2

)

 

 

83.1

 

 

 

108.3

 

Indefinite-lived intangible assets:

 

 

 

 

 

 

Licenses

 

 

16.9

 

 

 

16.9

 

 

$

100.0

 

 

$

125.2

 

 

Estimated Amortization Expense for Finite-Lived Intangible Assets

Estimated amortization expense for finite-lived intangible assets for the next five years is as follows:

 

Year

 

(in millions)

 

2026

 

$

32.4

 

2027

 

$

14.5

 

2028

 

$

8.7

 

2029

 

$

6.0

 

2030

 

$

5.2

 

 

v3.25.4
Deposits (Tables)
12 Months Ended
Dec. 31, 2025
Banking And Thrifts [Abstract]  
Escrow, Mortgage Subserving, and Other Deposits

Deposit accounts are summarized as follows:

 

 

December 31,

 

(dollars in millions)

 

2025

 

 

2024

 

Escrow deposits:

 

 

 

 

 

 

Interest bearing

 

$

1,649.3

 

 

$

1,999.9

 

Non-interest bearing

 

 

2,295.0

 

 

 

2,247.8

 

 

 

3,944.3

 

 

 

4,247.7

 

Mortgage loan subservicing deposits:

 

 

 

 

 

 

Interest bearing

 

 

1,040.4

 

 

 

606.5

 

Like-kind exchange deposits:

 

 

 

 

 

 

Interest bearing

 

 

93.6

 

 

 

 

Other deposits

 

 

214.4

 

 

 

193.9

 

 

$

5,292.7

 

 

$

5,048.1

 

Weighted-average interest rate:

 

 

 

 

 

 

Interest bearing deposit accounts

 

 

1.84

%

 

 

1.89

%

v3.25.4
Reserve for Known and Incurred but Not Reported Claims (Tables)
12 Months Ended
Dec. 31, 2025
Insurance Loss Reserves [Abstract]  
Activity in Reserve for Known and Incurred but Not Reported Claims

Activity in the reserve for known and incurred but not reported claims is summarized as follows:

 

 

December 31,

 

(in millions)

 

2025

 

 

2024

 

 

2023

 

Balance at beginning of year

 

$

1,193.4

 

 

$

1,282.4

 

 

$

1,325.3

 

Provision related to:

 

 

 

 

 

 

 

 

 

Current year

 

 

370.9

 

 

 

357.3

 

 

 

354.6

 

Prior years

 

 

(44.3

)

 

 

(37.3

)

 

 

(18.3

)

 

 

326.6

 

 

 

320.0

 

 

 

336.3

 

Payments, net of recoveries, related to:

 

 

 

 

 

 

 

 

 

Current year

 

 

186.4

 

 

 

204.6

 

 

 

199.6

 

Prior years

 

 

172.0

 

 

 

193.2

 

 

 

182.2

 

 

 

358.4

 

 

 

397.8

 

 

 

381.8

 

Other

 

 

8.0

 

 

 

(11.2

)

 

 

2.6

 

Balance at end of year

 

$

1,169.6

 

 

$

1,193.4

 

 

$

1,282.4

 

A summary of the Company’s loss reserves is as follows:

 

 

December 31,

 

(dollars in millions)

 

2025

 

 

2024

 

Known title claims

 

$

54.6

 

 

 

4.7

%

 

$

55.3

 

 

 

4.6

%

IBNR title claims

 

 

1,095.9

 

 

 

93.7

%

 

 

1,109.4

 

 

 

93.0

%

Total title claims

 

 

1,150.5

 

 

 

98.4

%

 

 

1,164.7

 

 

 

97.6

%

Non-title claims

 

 

19.1

 

 

 

1.6

%

 

 

28.7

 

 

 

2.4

%

Total loss reserves

 

$

1,169.6

 

 

 

100.0

%

 

$

1,193.4

 

 

 

100.0

%

Summary of Incurred and Paid Claims Development Net of Reinsurance

The information below about incurred and paid claims development for the years ended December 31, 2016 to 2024, is presented as supplementary information.

 

Incurred claims and allocated claim adjustment expenses

 

 

December 31, 2025

 

Accident

 

Years ended December 31,

 

 

Cumulative number of reported

 

Year

 

2016*

 

 

2017*

 

 

2018*

 

 

2019*

 

 

2020*

 

 

2021*

 

 

2022*

 

 

2023*

 

 

2024*

 

 

2025

 

 

claims

 

 

(in millions)

 

2016

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

$

172.7

 

 

 

1.0

 

2017

 

 

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

1.0

 

2018

 

 

 

 

 

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

1.1

 

2019

 

 

 

 

 

 

 

 

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

1.1

 

2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

1.2

 

2021

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

218.2

 

 

 

218.2

 

 

 

218.2

 

 

 

218.2

 

 

 

218.2

 

 

 

1.2

 

2022

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

211.8

 

 

 

211.8

 

 

 

211.8

 

 

 

211.8

 

 

 

1.1

 

2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

193.2

 

 

 

193.2

 

 

 

193.2

 

 

 

1.0

 

2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

184.4

 

 

 

184.4

 

 

 

1.0

 

2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

171.9

 

 

 

0.9

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

$

1,870.7

 

 

 

 

 

*Amounts unaudited.

 

 

Cumulative paid claims and allocated claim adjustment expenses

 

Accident

 

Years ended December 31,

 

Year

 

2016*

 

 

2017*

 

 

2018*

 

 

2019*

 

 

2020*

 

 

2021*

 

 

2022*

 

 

2023*

 

 

2024*

 

 

2025

 

 

(in millions)

 

2016

 

 

155.4

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

 

172.7

 

 

$

172.7

 

2017

 

 

 

 

 

151.1

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

 

 

167.2

 

2018

 

 

 

 

 

 

 

 

163.0

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

 

 

179.8

 

2019

 

 

 

 

 

 

 

 

 

 

 

159.2

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

 

 

174.1

 

2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

177.8

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

 

 

197.4

 

2021

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

198.7

 

 

 

218.2

 

 

 

218.2

 

 

 

218.2

 

 

 

218.2

 

2022

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

192.3

 

 

 

211.8

 

 

 

211.8

 

 

 

211.8

 

2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

177.5

 

 

 

193.2

 

 

 

193.2

 

2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

169.0

 

 

 

184.4

 

2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

158.4

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

$

1,857.2

 

 

 

 

 

All outstanding liabilities before 2016

 

 

 

 

 

 

 

 

Liabilities for claims and claims adjustment expenses

 

 

$

13.5

 

 

*Amounts unaudited.

Reconciliation of the Net Incurred and Paid Claims Development Tables to the Liability for Claims and Claim Adjustment Expense

A reconciliation of the net incurred and paid claims development tables to the liability for claims and claim adjustment expense at December 31, 2025, is as follows:

 

 

 

December 31, 2025

 

 

 

(in millions)

 

Liability for unpaid claims and claim adjustment expenses  short-duration:

 

 

 

Home warranty

 

$

13.5

 

Property and casualty insurance

 

 

5.6

 

 

 

 

19.1

 

Insurance lines other than short-duration:

 

 

 

Title insurance

 

 

1,150.5

 

Total liability for unpaid claims and claims adjustment expenses

 

$

1,169.6

 

Schedule of Supplementary Information about Average Historical Claims

Supplementary information about average historical claims duration for the Company’s home warranty business as of December 31, 2025, is as follows:

 

Average annual percentage payout of incurred claims by age (unaudited)

Years

 

 

1

 

 

 

2

 

 

Annual payout

 

 

90.9

%

 

 

9.1

%

 

 

v3.25.4
Notes and Contracts Payable (Tables)
12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
Schedule of Notes and Contracts Payable

 

December 31,

 

 

2025

 

 

2024

 

 

(dollars in millions)

 

5.45% senior unsecured notes due September 30, 2034, effective interest rate of
   
5.49%

 

$

450.0

 

 

$

450.0

 

2.40% senior unsecured notes due August 15, 2031, effective interest rate of 2.44%

 

 

650.0

 

 

 

650.0

 

4.00% senior unsecured notes due May 15, 2030, effective interest rate of 4.05%

 

 

450.0

 

 

 

450.0

 

Other notes and contracts payable with maturities through 2029, weighted
   -average interest rates of
3.99% and 3.77%

 

 

7.8

 

 

 

11.0

 

 

 

1,557.8

 

 

 

1,561.0

 

Unamortized discounts and debt issuance costs

 

 

(12.4

)

 

 

(14.4

)

 

$

1,545.4

 

 

$

1,546.6

 

Aggregate Annual Maturities of Notes and Contracts Payable

The aggregate annual maturities for notes and contracts payable for the next five years and thereafter are summarized as follows:

 

Year

 

Annual maturities

 

 

(in millions)

 

2026

 

$

3.4

 

2027

 

 

2.2

 

2028

 

 

2.0

 

2029

 

 

0.2

 

2030

 

 

450.0

 

Thereafter

 

 

1,100.0

 

 

$

1,557.8

 

v3.25.4
Net Investment Income (Tables)
12 Months Ended
Dec. 31, 2025
Net Investment Income [Abstract]  
Schedule of Net Investment Income

Net investment income includes interest and earnings on the following investments:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Deposits and other investments

 

$

331.6

 

 

$

282.3

 

 

$

303.5

 

Debt securities

 

 

255.9

 

 

 

244.6

 

 

 

231.7

 

Deferred compensation plan assets

 

 

18.6

 

 

 

19.5

 

 

 

21.9

 

Dividends on equity securities

 

 

10.8

 

 

 

10.4

 

 

 

10.5

 

Equity in earnings of affiliates, net

 

 

7.2

 

 

 

7.4

 

 

 

5.4

 

 

 

 

624.1

 

 

 

564.2

 

 

 

573.0

 

Investment expenses

 

 

(3.1

)

 

 

(3.2

)

 

 

(3.0

)

Net investment income

 

$

621.0

 

 

$

561.0

 

 

$

570.0

 

v3.25.4
Income Taxes (Tables)
12 Months Ended
Dec. 31, 2025
Income Tax Disclosure [Abstract]  
Summary of Tax Expenses

Income taxes are summarized as follows:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Current:

 

 

 

 

 

 

 

 

 

Federal

 

$

24.2

 

 

$

(0.7

)

 

$

55.4

 

State

 

 

11.7

 

 

 

6.1

 

 

 

2.8

 

Foreign

 

 

27.3

 

 

 

17.3

 

 

 

11.6

 

 

 

63.2

 

 

 

22.7

 

 

 

69.8

 

Deferred:

 

 

 

 

 

 

 

 

 

Federal

 

 

114.6

 

 

 

21.4

 

 

 

(8.6

)

State

 

 

17.5

 

 

 

(16.6

)

 

 

(10.9

)

Foreign

 

 

5.7

 

 

 

5.3

 

 

 

8.6

 

 

 

137.8

 

 

 

10.1

 

 

 

(10.9

)

 

$

201.0

 

 

$

32.8

 

 

$

58.9

 

 

 

Schedule of Effective Income Tax Rate Reconciliation

The Company’s actual income tax expense differs from the expense computed by applying the federal statutory income tax rate of 21% for the years ended December 31, 2025, 2024 and 2023. A reconciliation of these differences is as follows:

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(dollars in millions)

 

U.S. federal statutory tax

 

$

173.5

 

 

 

21.0

%

 

$

34.7

 

 

 

21.0

%

 

$

57.6

 

 

 

21.0

%

State and local income taxes, net of
   federal income tax effect
(a)

 

 

23.0

 

 

 

2.8

 

 

 

(8.3

)

 

 

(5.0

)

 

 

(6.4

)

 

 

(2.3

)

Foreign tax effects

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Australia

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

IFRS 17 adjustments

 

 

(2.1

)

 

 

(0.3

)

 

 

2.1

 

 

 

1.3

 

 

 

 

 

 

 

Other

 

 

2.7

 

 

 

0.3

 

 

 

(2.4

)

 

 

(1.5

)

 

 

(1.1

)

 

 

(0.4

)

Canada

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Statutory tax rate difference between
   Canada and United States

 

 

(4.4

)

 

 

(0.5

)

 

 

(3.3

)

 

 

(2.0

)

 

 

(2.3

)

 

 

(0.8

)

Provincial and territorial income taxes (b)

 

 

8.4

 

 

 

1.0

 

 

 

6.3

 

 

 

3.8

 

 

 

4.4

 

 

 

1.6

 

IFRS 17 adjustments

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3.1

 

 

 

1.1

 

Other

 

 

0.1

 

 

 

 

 

 

(0.4

)

 

 

(0.2

)

 

 

(1.2

)

 

 

(0.4

)

India

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Withholding tax

 

 

2.0

 

 

 

0.2

 

 

 

2.0

 

 

 

1.2

 

 

 

 

 

 

 

Other

 

 

1.4

 

 

 

0.2

 

 

 

1.2

 

 

 

0.7

 

 

 

3.1

 

 

 

1.1

 

United Kingdom

 

 

(4.5

)

 

 

(0.5

)

 

 

0.4

 

 

 

0.2

 

 

 

0.6

 

 

 

0.2

 

Other foreign jurisdictions

 

 

(0.4

)

 

 

 

 

 

(0.6

)

 

 

(0.4

)

 

 

0.3

 

 

 

0.1

 

Effect of changes in tax laws or rates enacted
   in the current period

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Effect of cross-border tax laws

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Global intangible low-taxed income

 

 

0.4

 

 

 

 

 

 

(0.9

)

 

 

(0.5

)

 

 

0.1

 

 

 

 

Foreign branch income

 

 

3.5

 

 

 

0.4

 

 

 

3.3

 

 

 

2.0

 

 

 

2.6

 

 

 

0.9

 

Unremitted foreign earnings

 

 

3.4

 

 

 

0.4

 

 

 

(1.4

)

 

 

(0.8

)

 

 

1.2

 

 

 

0.4

 

Tax credits

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Research and development tax credits

 

 

(5.6

)

 

 

(0.7

)

 

 

(11.1

)

 

 

(6.7

)

 

 

(17.3

)

 

 

(6.3

)

Foreign tax credits

 

 

(4.6

)

 

 

(0.6

)

 

 

(3.5

)

 

 

(2.1

)

 

 

 

 

 

 

Changes in valuation allowances

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capital loss carryover

 

 

 

 

 

 

 

 

12.2

 

 

 

7.4

 

 

 

7.7

 

 

 

2.8

 

Foreign tax credits

 

 

1.3

 

 

 

0.2

 

 

 

(0.8

)

 

 

(0.5

)

 

 

 

 

 

 

Nontaxable or nondeductible items

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tax exempt interest income

 

 

(6.7

)

 

 

(0.8

)

 

 

(6.4

)

 

 

(3.9

)

 

 

(7.2

)

 

 

(2.5

)

Meals and entertainment

 

 

2.6

 

 

 

0.3

 

 

 

2.2

 

 

 

1.3

 

 

 

1.7

 

 

 

0.6

 

Key man life insurance

 

 

(2.1

)

 

 

(0.3

)

 

 

(2.2

)

 

 

(1.3

)

 

 

(1.7

)

 

 

(0.6

)

Share-based compensation

 

 

4.1

 

 

 

0.5

 

 

 

2.3

 

 

 

1.4

 

 

 

 

 

 

 

Other

 

 

1.1

 

 

 

0.1

 

 

 

0.7

 

 

 

0.4

 

 

 

3.7

 

 

 

1.3

 

Changes in unrecognized tax benefits

 

 

3.6

 

 

 

0.4

 

 

 

6.8

 

 

 

4.1

 

 

 

10.7

 

 

 

3.9

 

Other adjustments

 

 

0.3

 

 

 

0.2

 

 

 

(0.1

)

 

 

(0.1

)

 

 

(0.7

)

 

 

(0.2

)

 

$

201.0

 

 

 

24.3

%

 

$

32.8

 

 

 

19.8

%

 

$

58.9

 

 

 

21.5

%

 

(a)
State taxes in California made up the majority (greater than 50 percent) of the tax effect in this category.
(b)
Provincial taxes in Ontario made up the majority (greater than 50 percent) of the tax effect in this category.
Net Deferred Tax (Liability) Assets

The primary components of temporary differences that give rise to the Company’s net deferred tax liability are as follows:

 

December 31,

 

 

2025

 

 

2024

 

 

(in millions)

 

Deferred tax assets:

 

 

 

 

 

 

Deferred revenue

 

$

9.9

 

 

$

10.4

 

Employee benefits

 

 

109.9

 

 

 

103.9

 

Bad debt reserves

 

 

9.1

 

 

 

7.9

 

Pension

 

 

11.7

 

 

 

11.3

 

Net operating loss carryforward

 

 

17.5

 

 

 

27.6

 

Foreign tax credit

 

 

3.0

 

 

 

3.5

 

Operating lease liabilities

 

 

44.4

 

 

 

47.1

 

Investments in affiliates

 

 

15.6

 

 

 

17.2

 

Securities

 

 

49.4

 

 

 

124.1

 

Other

 

 

19.2

 

 

 

17.5

 

 

 

289.7

 

 

 

370.5

 

Valuation allowance

 

 

(29.4

)

 

 

(27.9

)

 

 

260.3

 

 

 

342.6

 

Deferred tax liabilities:

 

 

 

 

 

 

Depreciable and amortizable assets

 

 

(378.0

)

 

 

(264.6

)

Claims and related salvage

 

 

(129.3

)

 

 

(119.2

)

Operating lease assets

 

 

(41.3

)

 

 

(43.2

)

Unremitted foreign earnings

 

 

(15.0

)

 

 

(10.9

)

 

 

(563.6

)

 

 

(437.9

)

Net deferred tax asset (liability)

 

$

(303.3

)

 

$

(95.3

)

 

Summary of Income Taxes Paid

Income taxes paid are summarized as follows:

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Income taxes paid (refunded):

 

 

 

 

 

 

 

 

 

Federal

 

$

17.9

 

 

$

(10.5

)

 

$

96.1

 

State

 

 

5.7

 

 

 

(4.1

)

 

 

9.0

 

Foreign

 

 

27.9

 

 

 

13.1

 

 

 

14.9

 

 

$

51.5

 

 

$

(1.5

)

 

$

120.0

 

 

Summary of Income Taxes Paid by Jurisdictions

Income taxes paid (net of refunds) exceeded 5 percent of total income tax paid (net of refunds) in the following jurisdictions:

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Federal

 

$

17.9

 

 

$

(10.5

)

 

$

96.1

 

State

 

 

 

 

 

 

 

 

 

Arizona

 

*

 

 

 

(0.1

)

 

*

 

California

 

*

 

 

 

(10.5

)

 

*

 

Florida

 

*

 

 

 

3.4

 

 

*

 

Idaho

 

*

 

 

 

0.4

 

 

*

 

Illinois

 

*

 

 

 

0.6

 

 

*

 

Louisiana

 

*

 

 

 

0.2

 

 

*

 

Maryland

 

*

 

 

 

0.1

 

 

*

 

Montana

 

*

 

 

 

(0.1

)

 

*

 

New York

 

*

 

 

 

0.6

 

 

*

 

Oregon

 

*

 

 

 

0.4

 

 

*

 

Pennsylvania

 

*

 

 

 

0.1

 

 

*

 

Tennessee

 

*

 

 

 

0.2

 

 

*

 

Texas

 

*

 

 

 

0.5

 

 

*

 

 

 

 

 

 

 

 

 

 

 

Foreign

 

 

 

 

 

 

 

 

 

Australia

 

*

 

 

 

0.9

 

 

*

 

New Zealand

 

*

 

 

 

0.1

 

 

*

 

India

 

 

5.4

 

 

 

5.8

 

 

8.6

 

Canada

 

 

17.6

 

 

 

3.2

 

 

*

 

England

 

 

5.4

 

 

 

3.1

 

 

*

 

 

* Jurisdiction below the threshold for the period presented.

Changes in Unrecognized Tax Benefits

A reconciliation of the beginning and ending amounts of unrecognized tax benefits for the years ended December 31, 2025, 2024 and 2023 is as follows:

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Unrecognized tax benefits—beginning balance

 

$

31.6

 

 

$

12.4

 

 

$

3.2

 

Gross increases—prior period tax positions

 

 

0.6

 

 

 

14.8

 

 

 

8.4

 

Gross increases—current period tax positions

 

 

2.5

 

 

 

4.4

 

 

 

5.2

 

Settlements with taxing authorities

 

 

(0.3

)

 

 

 

 

 

(4.4

)

Unrecognized tax benefits—ending balance

 

$

34.4

 

 

$

31.6

 

 

$

12.4

 

v3.25.4
Earnings Per Share (Tables)
12 Months Ended
Dec. 31, 2025
Earnings Per Share [Abstract]  
Schedule of Earnings Per Share

The computation of basic and diluted earnings per share is as follows:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions, except per share data)

 

Numerator

 

 

 

 

 

 

 

 

 

Net income attributable to the Company

 

$

621.8

 

 

$

131.1

 

 

$

216.8

 

Denominator

 

 

 

 

 

 

 

 

 

Basic weighted-average shares

 

 

103.3

 

 

 

103.9

 

 

 

104.3

 

Effect of dilutive RSUs and PRSUs

 

 

0.4

 

 

 

0.4

 

 

 

0.3

 

Diluted weighted-average shares

 

 

103.7

 

 

 

104.3

 

 

 

104.6

 

Net income per share attributable to the Company’s
   stockholders

 

 

 

 

 

 

 

 

 

Basic

 

$

6.02

 

 

$

1.26

 

 

$

2.08

 

Diluted

 

$

6.00

 

 

$

1.26

 

 

$

2.07

 

v3.25.4
Employee Benefit Plans (Tables)
12 Months Ended
Dec. 31, 2025
Retirement Benefits [Abstract]  
Principal Components of Employee Benefit Costs

The principal components of employee benefit costs are summarized as follows:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Expense:

 

 

 

 

 

 

 

 

 

Savings plan

 

$

63.3

 

 

$

60.5

 

 

$

34.5

 

Unfunded supplemental benefit plans

 

 

11.4

 

 

 

12.0

 

 

 

12.3

 

Other plans, net

 

 

32.3

 

 

 

26.4

 

 

 

26.8

 

 

$

107.0

 

 

$

98.9

 

 

$

73.6

 

Company's Benefit Obligations and Funded Status

The following table summarizes the benefit obligations and funded status associated with the Company’s unfunded supplemental benefit plans:

 

 

December 31,

 

 

2025

 

 

2024

 

 

(in millions)

 

Change in projected benefit obligation:

 

 

 

 

 

 

Benefit obligation at beginning of year

 

$

185.1

 

 

$

196.0

 

Service costs

 

 

0.1

 

 

 

0.1

 

Interest costs

 

 

9.4

 

 

 

9.6

 

Actuarial loss (gain)

 

 

3.4

 

 

 

(5.3

)

Benefits paid

 

 

(15.0

)

 

 

(15.3

)

Projected benefit obligation at end of year

 

 

183.0

 

 

 

185.1

 

Change in plan assets:

 

 

 

 

 

 

Contributions

 

 

15.0

 

 

 

15.3

 

Benefits paid

 

 

(15.0

)

 

 

(15.3

)

Fair value of plan assets at end of year

 

 

 

 

 

 

Reconciliation of funded status:

 

 

 

 

 

 

Unfunded status of the plans

 

$

183.0

 

 

$

185.1

 

Amounts recognized in the consolidated balance sheet:

 

 

 

 

 

 

Accrued benefit liability

 

$

183.0

 

 

$

185.1

 

Amounts recognized in accumulated other
        comprehensive income/loss:

 

 

 

 

 

 

Unrecognized net actuarial loss

 

$

44.8

 

 

$

43.3

 

Accumulated benefit obligation at end of year

 

$

183.0

 

 

$

185.1

 

 

Net Periodic Benefit Costs

Net periodic benefit costs related to the Company’s unfunded supplemental benefit pension plans are summarized as follows:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Expense:

 

 

 

 

 

 

 

 

 

Service costs

 

$

0.1

 

 

$

0.1

 

 

$

0.1

 

Interest costs

 

 

9.4

 

 

 

9.6

 

 

 

10.2

 

Amortization of net actuarial loss

 

 

1.9

 

 

 

2.3

 

 

 

2.0

 

 

$

11.4

 

 

$

12.0

 

 

$

12.3

 

The Weighted-Average Discount Rate Assumptions Used to Determine Net Periodic Benefit Costs and Projected Benefit Obligations

The weighted-average discount rate assumptions used to determine net periodic benefit costs for the Executive and Management Supplemental Benefit Plans for the years ended December 31, 2025, 2024 and 2023, are as follows:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

Discount rates:

 

 

 

 

 

 

 

 

 

 

 

 

Projected benefit obligation

 

 

 

5.64

%

 

 

 

5.21

%

 

 

 

5.56

%

Service cost

 

 

 

5.94

%

 

 

 

5.40

%

 

 

 

5.75

%

Interest cost

 

 

 

5.35

%

 

 

 

5.15

%

 

 

 

5.45

%

The weighted-average discount rate assumptions used to determine the projected benefit obligations for the Executive and Management Supplemental Benefit Plans at December 31, 2025 and 2024, are as follows:

 

 

December 31,

 

 

2025

 

 

2024

 

Discount rate

 

 

 

5.26

%

 

 

 

5.64

%

Benefit Payments

Benefit payments, which reflect expected future service, as appropriate, are expected to be made as follows:

 

Year

 

(in millions)

 

 2026

 

$

15.9

 

 2027

 

$

16.8

 

 2028

 

$

16.5

 

 2029

 

$

16.1

 

 2030

 

$

15.7

 

Five years thereafter

 

$

72.0

 

v3.25.4
Fair Value Measurements (Tables)
12 Months Ended
Dec. 31, 2025
Fair Value Disclosures [Abstract]  
Fair Value of Assets Measured on Recurring Basis

The following tables present the fair values of the Company’s assets, measured on a recurring basis, as of December 31, 2025 and 2024:

 

(in millions)

 

Total

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

Debt securities:

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

243.6

 

 

$

 

 

$

243.6

 

 

$

 

Municipal bonds

 

 

960.1

 

 

 

 

 

 

960.1

 

 

 

 

Foreign government bonds

 

 

235.2

 

 

 

 

 

 

235.2

 

 

 

 

Governmental agency bonds

 

 

261.0

 

 

 

 

 

 

261.0

 

 

 

 

Governmental agency mortgage-backed securities

 

 

5,260.8

 

 

 

 

 

 

5,260.8

 

 

 

 

U.S. corporate debt securities

 

 

1,034.8

 

 

 

 

 

 

1,034.8

 

 

 

 

Foreign corporate debt securities

 

 

471.2

 

 

 

 

 

 

471.2

 

 

 

 

 

 

8,466.7

 

 

 

 

 

 

8,466.7

 

 

 

 

Equity securities:

 

 

 

 

 

 

 

 

 

 

 

 

Common stocks

 

 

467.7

 

 

 

467.7

 

 

 

 

 

 

 

Preferred stocks

 

 

9.9

 

 

 

9.9

 

 

 

 

 

 

 

 

 

477.6

 

 

 

477.6

 

 

 

 

 

 

 

Total

 

$

8,944.3

 

 

$

477.6

 

 

$

8,466.7

 

 

$

 

 

(in millions)

 

Total

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

Debt securities:

 

 

 

 

 

 

 

 

 

 

 

 

U.S. Treasury bonds

 

$

175.6

 

 

$

 

 

$

175.6

 

 

$

 

Municipal bonds

 

 

776.5

 

 

 

 

 

 

776.5

 

 

 

 

Foreign government bonds

 

 

211.6

 

 

 

 

 

 

211.6

 

 

 

 

Governmental agency bonds

 

 

189.8

 

 

 

 

 

 

189.8

 

 

 

 

Governmental agency mortgage-backed securities

 

 

4,502.3

 

 

 

 

 

 

4,502.3

 

 

 

 

U.S. corporate debt securities

 

 

925.6

 

 

 

 

 

 

925.6

 

 

 

 

Foreign corporate debt securities

 

 

484.5

 

 

 

 

 

 

484.5

 

 

 

 

 

 

7,265.9

 

 

 

 

 

 

7,265.9

 

 

 

 

Equity securities:

 

 

 

 

 

 

 

 

 

 

 

 

Common stocks

 

 

374.7

 

 

 

374.7

 

 

 

 

 

 

 

Preferred stocks

 

 

12.1

 

 

 

12.1

 

 

 

 

 

 

 

 

 

386.8

 

 

 

386.8

 

 

 

 

 

 

 

Total

 

$

7,652.7

 

 

$

386.8

 

 

$

7,265.9

 

 

$

 

 

Carrying Amounts and Estimated Fair Values of Financial Instruments Not Measured at Fair Value

The following table presents the carrying amounts and estimated fair values of the Company’s financial instruments not measured at fair value as of December 31, 2025 and 2024:

 

 

Carrying

 

 

Estimated fair value

 

(in millions)

 

Amount

 

 

Total

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

 

$

1,387.3

 

 

$

1,387.3

 

 

$

1,387.3

 

 

$

 

 

$

 

Deposits with banks

 

$

78.5

 

 

$

78.2

 

 

$

9.9

 

 

$

68.3

 

 

$

 

Notes receivable, net

 

$

35.7

 

 

$

36.1

 

 

$

 

 

$

 

 

$

36.1

 

Secured financings receivable

 

$

986.1

 

 

$

986.1

 

 

$

 

 

$

986.1

 

 

$

 

Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Secured financings payable

 

$

906.5

 

 

$

906.5

 

 

$

 

 

$

906.5

 

 

$

 

Notes and contracts payable

 

$

1,545.4

 

 

$

1,459.9

 

 

$

 

 

$

1,452.1

 

 

$

7.8

 

 

 

 

Carrying

 

 

Estimated fair value

 

(in millions)

 

Amount

 

 

Total

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

 

$

1,718.1

 

 

$

1,718.1

 

 

$

1,718.1

 

 

$

 

 

$

 

Deposits with banks

 

$

85.4

 

 

$

85.3

 

 

$

20.7

 

 

$

64.6

 

 

$

 

Notes receivable, net

 

$

34.4

 

 

$

34.6

 

 

$

 

 

$

 

 

$

34.6

 

Secured financings receivable

 

$

690.0

 

 

$

690.0

 

 

$

 

 

$

690.0

 

 

$

 

Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Secured financings payable

 

$

643.8

 

 

$

643.8

 

 

$

 

 

$

643.8

 

 

$

 

Notes and contracts payable

 

$

1,546.6

 

 

$

1,399.4

 

 

$

 

 

$

1,388.4

 

 

$

11.0

 

Assets measured at fair value on a non-recurring basis

 

Estimated fair value (3)

 

(in millions)

 

Total

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

Non-marketable equity securities (1)

 

$

108.3

 

 

$

 

 

$

105.1

 

 

$

3.2

 

December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

Non-marketable equity securities (2)

 

$

23.4

 

 

$

 

 

$

5.1

 

 

$

18.3

 

 

(1)
Excludes $165.2 million of non-marketable equity securities for which no observable price changes or impairment charges occurred during the year.
(2)
Excludes $179.0 million of non-marketable equity securities for which no observable price changes or impairment charges occurred during the year.
(3)
Estimated fair values were determined during the year as of the dates that either an observable transaction occurred or an impairment assessment was made.
Summary of Valuation Techniques and Significant Unobservable Inputs Used in Measuring Fair Value of Non-Marketable Equity Securities

(in millions)

 

Fair Value

 

 

Approach

 

Input

 

Range

 

Weighted Average (1)

Non-marketable equity securities

 

$

3.2

 

 

Market

 

Revenue Multiple

 

6.1-9.0

 

7.1

 

(1)
Weighted average is calculated based on the fair values of the non-marketable equity securities.
v3.25.4
Share-Based Compensation Plans (Tables)
12 Months Ended
Dec. 31, 2025
Share-Based Payment Arrangement [Abstract]  
Costs Associated with Share-Based Compensation Plans

The following table summarizes the costs associated with the Company’s share-based compensation plans:

 

 

Year ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

(in millions)

 

Expense:

 

 

 

 

 

 

 

 

 

RSUs

 

$

54.7

 

 

$

40.2

 

 

$

38.4

 

PRSUs

 

 

7.3

 

 

 

5.6

 

 

 

4.5

 

Employee stock purchase plan

 

 

6.4

 

 

 

6.2

 

 

 

6.2

 

 

$

68.4

 

 

$

52.0

 

 

$

49.1

 

Summary of RSU and PSRU Activity

The following table summarizes RSU and PRSU activity for the year ended December 31, 2025:

 

(in millions, except weighted-average grant-date fair value)

 

Shares

 

 

Weighted-average
grant-date
fair value

 

Unvested at December 31, 2024

 

 

1.2

 

 

$

62.37

 

Granted during 2025

 

 

1.2

 

 

 

65.18

 

Vested during 2025

 

 

(1.1

)

 

 

63.45

 

Forfeited during 2025

 

 

(0.1

)

 

 

71.64

 

Unvested at December 31, 2025

 

 

1.2

 

 

$

63.46

 

v3.25.4
Accumulated Other Comprehensive Income (Loss) ("AOCI") (Tables)
12 Months Ended
Dec. 31, 2025
Accumulated Other Comprehensive Income Other Comprehensive Income [Abstract]  
Components of Accumulated Other Comprehensive Income (Loss)

The following table presents a summary of the changes in each component of AOCI for the years ended December 31, 2025, 2024 and 2023:

 

(in millions)

 

Unrealized
gains (losses)
on debt securities

 

 

Foreign
currency
translation
adjustment

 

 

Pension
benefit
adjustment

 

 

Accumulated
other
comprehensive
income (loss)

 

Balance at December 31, 2022

 

$

(751.6

)

 

$

(82.1

)

 

$

(35.2

)

 

$

(868.9

)

Change in unrealized losses on debt securities

 

 

262.3

 

 

 

 

 

 

 

 

 

262.3

 

Change in foreign currency translation adjustment

 

 

 

 

 

17.7

 

 

 

 

 

 

17.7

 

Net actuarial loss

 

 

 

 

 

 

 

 

(4.8

)

 

 

(4.8

)

Amortization of net actuarial loss

 

 

 

 

 

 

 

 

2.0

 

 

 

2.0

 

Tax effect

 

 

(64.3

)

 

 

(0.5

)

 

 

0.7

 

 

 

(64.1

)

Balance at December 31, 2023

 

 

(553.6

)

 

 

(64.9

)

 

 

(37.3

)

 

 

(655.8

)

Change in unrealized losses on debt securities

 

 

272.7

 

 

 

 

 

 

 

 

 

272.7

 

Change in foreign currency translation adjustment

 

 

 

 

 

(47.1

)

 

 

 

 

 

(47.1

)

Net actuarial gain

 

 

 

 

 

 

 

 

5.3

 

 

 

5.3

 

Amortization of net actuarial loss

 

 

 

 

 

 

 

 

2.3

 

 

 

2.3

 

Tax effect

 

 

(72.8

)

 

 

1.0

 

 

 

(2.0

)

 

 

(73.8

)

Balance at December 31, 2024

 

 

(353.7

)

 

 

(111.0

)

 

 

(31.7

)

 

 

(496.4

)

Change in unrealized losses on debt securities

 

 

275.0

 

 

 

 

 

 

 

 

 

275.0

 

Change in foreign currency translation adjustment

 

 

 

 

 

35.4

 

 

 

 

 

 

35.4

 

Net actuarial loss

 

 

 

 

 

 

 

 

(3.4

)

 

 

(3.4

)

Amortization of net actuarial loss

 

 

 

 

 

 

 

 

1.9

 

 

 

1.9

 

Tax effect

 

 

(68.9

)

 

 

(0.7

)

 

 

0.4

 

 

 

(69.2

)

Balance at December 31, 2025

 

$

(147.6

)

 

$

(76.3

)

 

$

(32.8

)

 

$

(256.7

)

 

Adjustments for Reclassification of Other Comprehensive Income (Loss)

The following table presents the other comprehensive income (loss) reclassification adjustments for the years ended December 31, 2025, 2024 and 2023:

 

 

Unrealized
gains (losses)
on debt securities

 

 

Foreign
currency
translation
adjustment

 

 

Pension
benefit
adjustment

 

 

Total
other
comprehensive
income (loss)

 

 

(in millions)

 

Year ended December 31, 2025

 

 

 

 

 

 

 

 

 

 

 

 

Pretax change before reclassifications

 

$

263.6

 

 

$

35.4

 

 

$

(3.4

)

 

$

295.6

 

Reclassifications out of AOCI

 

 

11.4

 

 

 

 

 

 

1.9

 

 

 

13.3

 

Tax effect

 

 

(68.9

)

 

 

(0.7

)

 

 

0.4

 

 

 

(69.2

)

Total other comprehensive income (loss), net of tax

 

$

206.1

 

 

$

34.7

 

 

$

(1.1

)

 

$

239.7

 

Year ended December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

Pretax change before reclassifications

 

$

(62.4

)

 

$

(47.1

)

 

$

5.3

 

 

$

(104.2

)

Reclassifications out of AOCI

 

 

335.1

 

 

 

 

 

 

2.3

 

 

 

337.4

 

Tax effect

 

 

(72.8

)

 

 

1.0

 

 

 

(2.0

)

 

 

(73.8

)

Total other comprehensive income (loss), net of tax

 

$

199.9

 

 

$

(46.1

)

 

$

5.6

 

 

$

159.4

 

Year ended December 31, 2023

 

 

 

 

 

 

 

 

 

 

 

 

Pretax change before reclassifications

 

$

181.4

 

 

$

17.7

 

 

$

(4.8

)

 

$

194.3

 

Reclassifications out of AOCI

 

 

80.9

 

 

 

 

 

 

2.0

 

 

 

82.9

 

Tax effect

 

 

(64.3

)

 

 

(0.5

)

 

 

0.7

 

 

 

(64.1

)

Total other comprehensive income (loss), net of tax

 

$

198.0

 

 

$

17.2

 

 

$

(2.1

)

 

$

213.1

 

Reclassifications out of Accumulated Other Comprehensive Income (Loss)

The following table presents the effects of the reclassifications out of AOCI on the respective line items in the consolidated statements of income:

 

 

Year ended December 31,

 

 

 

(in millions)

 

2025

 

 

2024

 

 

2023

 

 

Affected line items

Unrealized gains (losses) on debt
     securities:

 

 

 

 

 

 

 

 

 

 

 

Net realized losses on sales of debt
     securities

 

$

(11.4

)

 

$

(335.1

)

 

$

(80.9

)

 

Net investment gains (losses)

Tax effect

 

$

2.9

 

 

$

89.5

 

 

$

19.8

 

 

 

Pension benefit adjustment (1):

 

 

 

 

 

 

 

 

 

 

 

Amortization of net actuarial loss

 

$

(1.9

)

 

$

(2.3

)

 

$

(2.0

)

 

Other operating expenses

Tax effect

 

$

0.5

 

 

$

0.6

 

 

$

0.5

 

 

 

 

 

 

(1)
Amounts are components of net periodic cost. See Note 16 Employee Benefit Plans for additional details.
v3.25.4
Segment Financial Information (Tables)
12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
Schedule of Selected Financial Information

Information about reportable segment performance, significant expenses and assets for the years ended December 31, 2025, 2024 and 2023, are as follows:

Year Ended December 31, 2025

 

Title Insurance and Services

 

 

Home Warranty

 

 

Corporate

 

 

Consolidated

 

 

 

(dollars in millions)

 

Total segment revenue (1)

 

$

6,977.7

 

 

$

442.9

 

 

$

31.7

 

 

$

7,452.3

 

Elimination of intersegment revenue

 

 

 

 

 

 

 

 

 

 

 

(0.1

)

Total consolidated revenue

 

 

 

 

 

 

 

 

 

 

$

7,452.2

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Less: (2)

 

 

 

 

 

 

 

 

 

 

 

 

Personnel costs

 

 

2,131.4

 

 

 

84.1

 

 

 

44.4

 

 

 

2,259.9

 

Premiums retained by agents

 

 

2,374.0

 

 

 

 

 

 

 

 

 

2,374.0

 

Other operating expenses (3)

 

 

1,081.7

 

 

 

90.4

 

 

 

38.5

 

 

 

1,210.6

 

Provision for policy losses

 

 

159.2

 

 

 

171.9

 

 

 

(4.4

)

 

 

326.7

 

Depreciation and amortization

 

 

210.8

 

 

 

5.3

 

 

 

0.1

 

 

 

216.2

 

Premium taxes

 

 

77.0

 

 

 

4.7

 

 

 

 

 

 

81.7

 

Interest

 

 

96.2

 

 

 

 

 

 

60.8

 

 

 

157.0

 

Segment income (loss) before income taxes

 

$

847.4

 

 

$

86.5

 

 

$

(107.7

)

 

$

826.1

 

Elimination of intersegment expenses

 

 

 

 

 

 

 

 

 

 

 

0.1

 

Consolidated income before income taxes

 

 

 

 

 

 

 

 

 

 

$

826.2

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pretax margin

 

 

12.1

%

 

 

19.5

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment assets

 

$

15,287.9

 

 

$

395.3

 

 

$

911.9

 

 

$

16,595.1

 

Elimination of intersegment assets (4)

 

 

 

 

 

 

 

 

 

 

 

(366.3

)

Consolidated total assets

 

 

 

 

 

 

 

 

 

 

$

16,228.8

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment capital expenditures

 

$

186.0

 

 

$

6.4

 

 

$

 

 

$

192.4

 

 

(1)
Intersegment revenue is included within amounts shown.
(2)
The significant expense categories and amounts align with segment level information that is regularly provided to the chief operating decision maker. Intersegment expenses are included within amounts shown.
(3)
Other operating expenses for each segment primarily include the following:

Title insurance and services - title and data search expenses, office and occupancy expenses and software expense.

Home warranty - advertising expense, office and occupancy expenses, software expense, delivery and storage expenses.

Corporate - employee benefit expense and certain overhead expenses.

(4)
Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance and services segment

 

$

(366.3

)

 

Year Ended December 31, 2024

 

Title Insurance and Services

 

 

Home Warranty

 

 

Corporate

 

 

Consolidated

 

 

 

(dollars in millions)

 

Total segment revenue (1)

 

$

5,737.3

 

 

$

425.7

 

 

$

(33.4

)

 

$

6,129.6

 

Elimination of intersegment revenue

 

 

 

 

 

 

 

 

 

 

 

(1.5

)

Total consolidated revenue

 

 

 

 

 

 

 

 

 

 

$

6,128.1

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Less: (2)

 

 

 

 

 

 

 

 

 

 

 

 

Personnel costs

 

 

1,953.2

 

 

 

81.2

 

 

 

24.9

 

 

 

2,059.3

 

Premiums retained by agents

 

 

2,044.6

 

 

 

 

 

 

 

 

 

2,044.6

 

Other operating expenses (3)

 

 

992.5

 

 

 

86.0

 

 

 

35.2

 

 

 

1,113.7

 

Provision for policy losses

 

 

138.3

 

 

 

184.4

 

 

 

(2.7

)

 

 

320.0

 

Depreciation and amortization

 

 

202.2

 

 

 

5.1

 

 

 

0.1

 

 

 

207.4

 

Premium taxes

 

 

63.7

 

 

 

4.6

 

 

 

 

 

 

68.3

 

Interest

 

 

96.6

 

 

 

 

 

 

54.3

 

 

 

150.9

 

Segment income (loss) before income taxes

 

$

246.2

 

 

$

64.4

 

 

$

(145.2

)

 

$

163.9

 

Elimination of intersegment expenses

 

 

 

 

 

 

 

 

 

 

 

1.5

 

Consolidated income before income taxes

 

 

 

 

 

 

 

 

 

 

$

165.4

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pretax margin

 

 

4.3

%

 

 

15.1

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment assets

 

$

13,989.6

 

 

$

370.4

 

 

$

754.6

 

 

$

15,114.6

 

Elimination of intersegment assets (4)

 

 

 

 

 

 

 

 

 

 

 

(206.0

)

Consolidated total assets

 

 

 

 

 

 

 

 

 

 

$

14,908.6

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment capital expenditures

 

$

229.3

 

 

$

5.9

 

 

$

 

 

$

235.2

 

 

(1)
Intersegment revenue is included within amounts shown.
(2)
The significant expense categories and amounts align with segment level information that is regularly provided to the chief operating decision maker. Intersegment expenses are included within amounts shown.
(3)
Other operating expenses for each segment primarily include the following:

Title insurance and services - title and data search expenses, office and occupancy expenses and software expense.

Home warranty - advertising expense, office and occupancy expenses, software expense, delivery and storage expenses.

Corporate - employee benefit expense and certain overhead expenses.

(4)
Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance and services segment

 

$

(206.0

)

 

Year Ended December 31, 2023

 

Title Insurance and Services

 

 

Home Warranty

 

 

Corporate

 

 

Consolidated

 

 

 

(dollars in millions)

 

Total segment revenue (1)

 

$

5,724.8

 

 

$

417.2

 

 

$

(137.2

)

 

$

6,004.8

 

Elimination of intersegment revenue

 

 

 

 

 

 

 

 

 

 

 

(1.3

)

Total consolidated revenue

 

 

 

 

 

 

 

 

 

 

$

6,003.5

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Less: (2)

 

 

 

 

 

 

 

 

 

 

 

 

Personnel costs

 

 

1,876.0

 

 

 

77.8

 

 

 

35.3

 

 

 

1,989.1

 

Premiums retained by agents

 

 

1,952.2

 

 

 

 

 

 

 

 

 

1,952.2

 

Other operating expenses (3)

 

 

937.7

 

 

 

82.8

 

 

 

46.5

 

 

 

1,067.0

 

Provision for policy losses

 

 

139.9

 

 

 

193.1

 

 

 

3.3

 

 

 

336.3

 

Depreciation and amortization

 

 

183.6

 

 

 

4.8

 

 

 

0.1

 

 

 

188.5

 

Premium taxes

 

 

59.1

 

 

 

4.4

 

 

 

 

 

 

63.5

 

Interest

 

 

82.3

 

 

 

 

 

 

51.4

 

 

 

133.7

 

Segment income (loss) before income taxes

 

$

494.0

 

 

$

54.3

 

 

$

(273.8

)

 

$

273.2

 

Elimination of intersegment expenses

 

 

 

 

 

 

 

 

 

 

 

1.2

 

Consolidated income before income taxes

 

 

 

 

 

 

 

 

 

 

$

274.4

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pretax margin

 

 

8.6

%

 

 

13.0

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment assets

 

$

15,768.2

 

 

$

351.9

 

 

$

832.5

 

 

$

16,952.6

 

Elimination of intersegment assets (4)

 

 

 

 

 

 

 

 

 

 

 

(149.8

)

Consolidated total assets

 

 

 

 

 

 

 

 

 

 

$

16,802.8

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Segment capital expenditures

 

$

271.1

 

 

$

7.6

 

 

$

 

 

$

278.7

 

 

(1)
Intersegment revenue is included within amounts shown.
(2)
The significant expense categories and amounts align with segment level information that is regularly provided to the chief operating decision maker. Intersegment expenses are included within amounts shown.
(3)
Other operating expenses for each segment primarily include the following:

Title insurance and services - title and data search expenses, office and occupancy expenses and software expense.

Home warranty - advertising expense, office and occupancy expenses, software expense, delivery and storage expenses.

Corporate - employee benefit expense and certain overhead expenses.

(4)
Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance segment and services segment

 

$

(94.8

)

Holding company dividend receivable from a subsidiary within the title insurance and services segment

 

 

(10.0

)

Holding company receivable from a subsidiary within the title insurance and services segment

 

 

(45.0

)

 

 

$

(149.8

)

Information about the Company’s revenues, by segment, for the years ended December 31, 2025, 2024 and 2023, is as follows:

 

 

Direct premiums and escrow fees

 

 

Agent
premiums

 

 

Information
and other

 

 

Net investment income

 

 

Net investment
gains (losses)

 

 

Total
Revenues

 

 

 

(in millions)

 

2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

2,347.5

 

 

$

2,959.4

 

 

$

1,050.5

 

 

$

594.8

 

 

$

25.5

 

 

$

6,977.7

 

Home Warranty

 

 

415.2

 

 

 

 

 

 

23.0

 

 

 

5.0

 

 

 

(0.3

)

 

 

442.9

 

Corporate and Eliminations

 

 

 

 

 

 

 

 

14.7

 

 

 

21.2

 

 

 

(4.3

)

 

 

31.6

 

 

$

2,762.7

 

 

$

2,959.4

 

 

$

1,088.2

 

 

$

621.0

 

 

$

20.9

 

 

$

7,452.2

 

2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

2,048.3

 

 

$

2,561.9

 

 

$

938.2

 

 

$

534.3

 

 

$

(345.4

)

 

$

5,737.3

 

Home Warranty

 

 

397.8

 

 

 

 

 

 

22.5

 

 

 

4.0

 

 

 

1.4

 

 

 

425.7

 

Corporate and Eliminations

 

 

(0.1

)

 

 

 

 

 

0.1

 

 

 

22.7

 

 

 

(57.6

)

 

 

(34.9

)

 

$

2,446.0

 

 

$

2,561.9

 

 

$

960.8

 

 

$

561.0

 

 

$

(401.6

)

 

$

6,128.1

 

2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Title Insurance and Services

 

$

1,856.4

 

 

$

2,449.3

 

 

$

917.1

 

 

$

540.2

 

 

$

(38.2

)

 

$

5,724.8

 

Home Warranty

 

 

395.6

 

 

 

 

 

 

21.7

 

 

 

5.9

 

 

 

(6.0

)

 

 

417.2

 

Corporate and Eliminations

 

 

0.1

 

 

 

 

 

 

(0.3

)

 

 

23.9

 

 

 

(162.2

)

 

 

(138.5

)

 

$

2,252.1

 

 

$

2,449.3

 

 

$

938.5

 

 

$

570.0

 

 

$

(206.4

)

 

$

6,003.5

 

Schedule Of Revenues From External Customers And Long-Lived Assets

Domestic and foreign revenues from external customers for the title insurance and services segment are as follows:

 

 

Year Ended December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

Domestic

 

 

Foreign

 

 

Domestic

 

 

Foreign

 

 

Domestic

 

 

Foreign

 

 

(in millions)

 

Revenues

 

$

6,450.3

 

 

$

527.5

 

 

$

5,314.6

 

 

$

421.4

 

 

$

5,351.6

 

 

$

372.2

 

 

Domestic and foreign long-lived assets for the title insurance and services segment are as follows:

 

 

December 31,

 

 

2025

 

 

2024

 

 

2023

 

 

Domestic

 

 

Foreign

 

 

Domestic

 

 

Foreign

 

 

Domestic

 

 

Foreign

 

 

(in millions)

 

Long-lived assets

 

$

950.5

 

 

$

52.5

 

 

$

961.5

 

 

$

55.5

 

 

$

977.2

 

 

$

53.0

 

v3.25.4
Basis of Presentation and Significant Accounting Policies (Narrative) (Detail)
$ in Millions
12 Months Ended
Dec. 31, 2025
USD ($)
State
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Number of states company issues title insurance policies | State 49    
Number of states company issues home warranty contracts | State 36    
Carrying values of equity method investments $ 98.0 $ 102.1  
Loss from equity method investments 7.2 7.4 $ 5.4
Accrued Interest Receivable 13.7 14.0  
Restricted cash and cash equivalents 9.9 20.7  
Accrued Interest Receivable On Debt Securities $ 46.5 $ 38.8  
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration] Debt securities, Estimated fair value Debt securities, Estimated fair value  
Fair values of investments in debt securities for funding of statutory premium reserves and state deposits $ 109.7 $ 92.4  
Notes receivable $ 35.7 34.4  
Period of mortgage loan sold description Collections of amounts due from mortgage loan originators occur upon sale of the underlying mortgage loans to investors in the secondary market, generally within 30 days and more typically in less than 10 days.    
Impairment losses on property and equipment primarily related to impairments of internally developed software $ 49.3 39.5  
Assessment to determine fair value 50.00%    
Escrow deposits $ 9,300.0 8,900.0  
Like-kind exchange funds 2,700.0 2,300.0  
Cash deposits with third party financial institutions 1,600.0 901.0  
Mortgage subservicing deposits interest bearing 1,040.4 606.5  
Mortgage Loan Subservicing Agreement      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Secured interest in debt securities fair value as collateral on deposit 54.9    
Nonconsolidated Variable Interest Entities      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Carrying values of equity method investments 66.4 65.7  
Loss from equity method investments 81.8    
Out-of-period Adjustment      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Increase in other operating expenses   6.2  
Increase in accounts payable and accrued liabilities   6.2  
First American Trust      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Escrow deposits 3,700.0 4,000.0  
Assets held-in-trust 173.9 169.4  
Mortgage subservicing deposits interest bearing 1,000.0 606.5  
Trust Assets Administered by FA Trust      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Assets held-in-trust 5,600.0 4,800.0  
FA Trust      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Like kind Exchange Deposits Held $ 93.6    
Employee Stock Purchase Plan      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Employee stock purchase plan percentage of purchase price on closing price 85.00%    
Employee stock purchase plan percentage of discount purchase price on closing price 15.00%    
Capitalized Real Estate      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Capitalized real estate estimated useful lives, years 15 years    
Minimum      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Percentage of claim amounts known in the first few years of the policy life 65.00%    
Minimum | Other Intangible Assets      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Other intangible assets estimated useful lives, years 1 year    
Maximum      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Percentage of claim amounts known in the first few years of the policy life 75.00%    
Maximum | Other Intangible Assets      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Other intangible assets estimated useful lives, years 20 years    
Buildings | Minimum      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Property, plant and equipment, estimated useful lives, years 10 years    
Buildings | Maximum      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Property, plant and equipment, estimated useful lives, years 40 years    
Furniture and Equipment | Minimum      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Property, plant and equipment, estimated useful lives, years 1 year    
Furniture and Equipment | Maximum      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Property, plant and equipment, estimated useful lives, years 15 years    
Leasehold Improvements      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Property, Plant, and Equipment, Useful Life, Term, Description [Extensible Enumeration] us-gaap:UsefulLifeTermOfLeaseMember    
Capitalized Software Costs | Minimum      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Property, plant and equipment, estimated useful lives, years 1 year    
Capitalized Software Costs | Maximum      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Property, plant and equipment, estimated useful lives, years 15 years    
Title Insurance and Services and Home Warranty      
Basis Of Presentation And Significant Accounting Policies [Line Items]      
Goodwill, impairment loss $ 0.0 $ 0.0 $ 0.0
v3.25.4
Statutory Restrictions on Investments and Stockholders' Equity (Narrative) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Statutory Accounting Practices [Line Items]      
Investments on deposit with state treasurers $ 134.3 $ 127.2  
Dividends available to parent from subsidiaries 382.0    
Loans and advances available to parent from subsidiaries 113.6    
Differences in state prescribed or permitted practices to NAIC Statutory Accounting 364.2 354.6  
FATICO      
Statutory Accounting Practices [Line Items]      
Statutory surplus maintained by insurance subsidiary 1,500.0 1,600.0  
Statutory net income of insurance subsidiary $ 349.4 $ 182.8 $ 198.3
v3.25.4
Debt Securities (Investments in Debt Securities, Classified as Available-For-Sale) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Schedule Of Available For Sale Securities [Line Items]    
Debt Securities, Amortized cost $ 8,656.7 $ 7,730.9
Debt Securities, Gross unrealized gains 79.4 19.6
Debt Securities, Gross unrealized losses (269.4) (484.6)
Debt securities, Estimated fair value 8,466.7 7,265.9
U.S. Treasury bonds    
Schedule Of Available For Sale Securities [Line Items]    
Debt Securities, Amortized cost 244.2 180.7
Debt Securities, Gross unrealized gains 1.0 0.1
Debt Securities, Gross unrealized losses (1.6) (5.2)
Debt securities, Estimated fair value 243.6 175.6
Municipal bonds    
Schedule Of Available For Sale Securities [Line Items]    
Debt Securities, Amortized cost 1,003.5 844.9
Debt Securities, Gross unrealized gains 9.9 5.3
Debt Securities, Gross unrealized losses (53.3) (73.7)
Debt securities, Estimated fair value 960.1 776.5
Foreign government bonds    
Schedule Of Available For Sale Securities [Line Items]    
Debt Securities, Amortized cost 239.4 217.1
Debt Securities, Gross unrealized gains 1.1 1.6
Debt Securities, Gross unrealized losses (5.3) (7.1)
Debt securities, Estimated fair value 235.2 211.6
Governmental agency bonds    
Schedule Of Available For Sale Securities [Line Items]    
Debt Securities, Amortized cost 268.3 203.8
Debt Securities, Gross unrealized gains 0.3 0.0
Debt Securities, Gross unrealized losses (7.6) (14.0)
Debt securities, Estimated fair value 261.0 189.8
Governmental agency mortgage-backed securities    
Schedule Of Available For Sale Securities [Line Items]    
Debt Securities, Amortized cost 5,401.9 4,844.4
Debt Securities, Gross unrealized gains 41.9 1.7
Debt Securities, Gross unrealized losses (183.0) (343.8)
Debt securities, Estimated fair value 5,260.8 4,502.3
U.S. corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Debt Securities, Amortized cost 1,032.8 948.4
Debt Securities, Gross unrealized gains 15.7 5.6
Debt Securities, Gross unrealized losses (13.7) (28.4)
Debt securities, Estimated fair value 1,034.8 925.6
Foreign corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Debt Securities, Amortized cost 466.6 491.6
Debt Securities, Gross unrealized gains 9.5 5.3
Debt Securities, Gross unrealized losses (4.9) (12.4)
Debt securities, Estimated fair value $ 471.2 $ 484.5
v3.25.4
Debt Securities (Sales of Debt Securities) (Narrative) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Debt Securities, Available-for-Sale [Line Items]      
Realized losses on sales of debt securities $ 20.5 $ 357.3 $ 88.1
Realized gains on sales of debt securities 9.1 22.2 7.2
Proceeds from sales of debt securities $ 1,263.3 $ 5,462.9 $ 1,676.9
v3.25.4
Debt Securities (Gross Unrealized Losses on Investments in Debt Securities) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value, Less than 12 months $ 1,657.6 $ 4,076.1
Unrealized losses, Less than 12 months (14.0) (122.9)
Estimated fair value, 12 months or longer 2,225.6 2,098.9
Unrealized losses, 12 months or longer (255.4) (361.7)
Estimated fair value, Total 3,883.2 6,175.0
Unrealized losses, Total (269.4) (484.6)
U.S. Treasury bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value, Less than 12 months 61.7 81.8
Unrealized losses, Less than 12 months (0.3) (1.8)
Estimated fair value, 12 months or longer 36.3 52.9
Unrealized losses, 12 months or longer (1.3) (3.4)
Estimated fair value, Total 98.0 134.7
Unrealized losses, Total (1.6) (5.2)
Municipal bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value, Less than 12 months 118.6 248.3
Unrealized losses, Less than 12 months (1.1) (4.4)
Estimated fair value, 12 months or longer 451.3 417.0
Unrealized losses, 12 months or longer (52.2) (69.3)
Estimated fair value, Total 569.9 665.3
Unrealized losses, Total (53.3) (73.7)
Foreign government bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value, Less than 12 months 76.2 29.8
Unrealized losses, Less than 12 months (0.3) (0.2)
Estimated fair value, 12 months or longer 59.8 72.7
Unrealized losses, 12 months or longer (5.0) (6.9)
Estimated fair value, Total 136.0 102.5
Unrealized losses, Total (5.3) (7.1)
Governmental agency bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value, Less than 12 months 210.6 144.4
Unrealized losses, Less than 12 months (1.5) (5.3)
Estimated fair value, 12 months or longer 28.9 37.9
Unrealized losses, 12 months or longer (6.1) (8.7)
Estimated fair value, Total 239.5 182.3
Unrealized losses, Total (7.6) (14.0)
Governmental agency mortgage-backed securities    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value, Less than 12 months 988.8 2,977.2
Unrealized losses, Less than 12 months (9.8) (98.4)
Estimated fair value, 12 months or longer 1,479.1 1,290.4
Unrealized losses, 12 months or longer (173.2) (245.4)
Estimated fair value, Total 2,467.9 4,267.6
Unrealized losses, Total (183.0) (343.8)
U.S. corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value, Less than 12 months 169.4 435.2
Unrealized losses, Less than 12 months (0.8) (9.6)
Estimated fair value, 12 months or longer 101.2 117.5
Unrealized losses, 12 months or longer (12.9) (18.8)
Estimated fair value, Total 270.6 552.7
Unrealized losses, Total (13.7) (28.4)
Foreign corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value, Less than 12 months 32.3 159.4
Unrealized losses, Less than 12 months (0.2) (3.2)
Estimated fair value, 12 months or longer 69.0 110.5
Unrealized losses, 12 months or longer (4.7) (9.2)
Estimated fair value, Total 101.3 269.9
Unrealized losses, Total $ (4.9) $ (12.4)
v3.25.4
Debt Securities (Investments in Debt Securities by Contractual Maturity) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Schedule Of Available For Sale Securities [Line Items]    
Debt Securities, Amortized cost $ 8,656.7 $ 7,730.9
Debt securities, Estimated fair value 8,466.7 7,265.9
U.S. Treasury bonds    
Schedule Of Available For Sale Securities [Line Items]    
Amortized cost, Due in one year or less 47.7  
Amortized cost, Due after one through five years 129.6  
Amortized cost, Due after five through ten years 43.5  
Amortized cost, Due after ten years 23.4  
Debt Securities, Amortized cost 244.2 180.7
Estimated fair value, Due in one year or less 47.2  
Estimated fair value, Due after one through five years 129.8  
Estimated fair value, Due after five through ten years 43.6  
Estimated fair value, Due after ten years 23.0  
Debt securities, Estimated fair value 243.6 175.6
Municipal bonds    
Schedule Of Available For Sale Securities [Line Items]    
Amortized cost, Due in one year or less 7.7  
Amortized cost, Due after one through five years 126.6  
Amortized cost, Due after five through ten years 430.9  
Amortized cost, Due after ten years 438.3  
Debt Securities, Amortized cost 1,003.5 844.9
Estimated fair value, Due in one year or less 7.7  
Estimated fair value, Due after one through five years 125.5  
Estimated fair value, Due after five through ten years 401.8  
Estimated fair value, Due after ten years 425.1  
Debt securities, Estimated fair value 960.1 776.5
Foreign government bonds    
Schedule Of Available For Sale Securities [Line Items]    
Amortized cost, Due in one year or less 64.1  
Amortized cost, Due after one through five years 127.0  
Amortized cost, Due after five through ten years 44.7  
Amortized cost, Due after ten years 3.6  
Debt Securities, Amortized cost 239.4 217.1
Estimated fair value, Due in one year or less 64.2  
Estimated fair value, Due after one through five years 124.7  
Estimated fair value, Due after five through ten years 43.5  
Estimated fair value, Due after ten years 2.8  
Debt securities, Estimated fair value 235.2 211.6
Governmental agency bonds    
Schedule Of Available For Sale Securities [Line Items]    
Amortized cost, Due in one year or less 0.6  
Amortized cost, Due after one through five years 0.8  
Amortized cost, Due after five through ten years 207.5  
Amortized cost, Due after ten years 59.4  
Debt Securities, Amortized cost 268.3 203.8
Estimated fair value, Due in one year or less 0.6  
Estimated fair value, Due after one through five years 0.8  
Estimated fair value, Due after five through ten years 206.3  
Estimated fair value, Due after ten years 53.3  
Debt securities, Estimated fair value 261.0 189.8
U.S. corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Amortized cost, Due in one year or less 11.3  
Amortized cost, Due after one through five years 494.8  
Amortized cost, Due after five through ten years 395.1  
Amortized cost, Due after ten years 131.6  
Debt Securities, Amortized cost 1,032.8 948.4
Estimated fair value, Due in one year or less 11.3  
Estimated fair value, Due after one through five years 499.3  
Estimated fair value, Due after five through ten years 400.6  
Estimated fair value, Due after ten years 123.6  
Debt securities, Estimated fair value 1,034.8 925.6
Foreign corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Amortized cost, Due in one year or less 23.0  
Amortized cost, Due after one through five years 310.9  
Amortized cost, Due after five through ten years 96.6  
Amortized cost, Due after ten years 36.1  
Debt Securities, Amortized cost 466.6 491.6
Estimated fair value, Due in one year or less 23.0  
Estimated fair value, Due after one through five years 315.0  
Estimated fair value, Due after five through ten years 98.9  
Estimated fair value, Due after ten years 34.3  
Debt securities, Estimated fair value 471.2 $ 484.5
Aggregate Debt Securities Excluding Mortgage Backed And Asset Backed Securities    
Schedule Of Available For Sale Securities [Line Items]    
Amortized cost, Due in one year or less 154.4  
Amortized cost, Due after one through five years 1,189.7  
Amortized cost, Due after five through ten years 1,218.3  
Amortized cost, Due after ten years 692.4  
Debt Securities, Amortized cost 3,254.8  
Estimated fair value, Due in one year or less 154.0  
Estimated fair value, Due after one through five years 1,195.1  
Estimated fair value, Due after five through ten years 1,194.7  
Estimated fair value, Due after ten years 662.1  
Debt securities, Estimated fair value 3,205.9  
Total Mortgage-Backed Securities    
Schedule Of Available For Sale Securities [Line Items]    
Amortized cost 5,401.9  
Estimated fair value $ 5,260.8  
v3.25.4
Debt Securities (Composition of Debt Securities Portfolio by Credit Rating Agencies) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 8,466.7 $ 7,265.9
Investment Grade | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 7,856.1  
Percentage of debt securities by credit rating agencies 92.80%  
Investment Grade | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 518.0  
Percentage of debt securities by credit rating agencies 6.10%  
Non-Investment Grade    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 92.6  
Percentage of debt securities by credit rating agencies 1.10%  
U.S. Treasury bonds    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 243.6 175.6
U.S. Treasury bonds | Investment Grade | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 243.6  
Percentage of debt securities by credit rating agencies 100.00%  
U.S. Treasury bonds | Investment Grade | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 0.0  
Percentage of debt securities by credit rating agencies 0.00%  
U.S. Treasury bonds | Non-Investment Grade    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 0.0  
Percentage of debt securities by credit rating agencies 0.00%  
Municipal bonds    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 960.1 776.5
Municipal bonds | Investment Grade | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 938.5  
Percentage of debt securities by credit rating agencies 97.80%  
Municipal bonds | Investment Grade | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 20.3  
Percentage of debt securities by credit rating agencies 2.10%  
Municipal bonds | Non-Investment Grade    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 1.3  
Percentage of debt securities by credit rating agencies 0.10%  
Foreign government bonds    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 235.2 211.6
Foreign government bonds | Investment Grade | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 228.5  
Percentage of debt securities by credit rating agencies 97.20%  
Foreign government bonds | Investment Grade | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 5.9  
Percentage of debt securities by credit rating agencies 2.50%  
Foreign government bonds | Non-Investment Grade    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 0.8  
Percentage of debt securities by credit rating agencies 0.30%  
Governmental agency bonds    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 261.0 189.8
Governmental agency bonds | Investment Grade | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 261.0  
Percentage of debt securities by credit rating agencies 100.00%  
Governmental agency bonds | Investment Grade | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 0.0  
Percentage of debt securities by credit rating agencies 0.00%  
Governmental agency bonds | Non-Investment Grade    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 0.0  
Percentage of debt securities by credit rating agencies 0.00%  
Governmental agency mortgage-backed securities    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 5,260.8 4,502.3
Governmental agency mortgage-backed securities | Investment Grade | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 5,260.8  
Percentage of debt securities by credit rating agencies 100.00%  
Governmental agency mortgage-backed securities | Investment Grade | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 0.0  
Percentage of debt securities by credit rating agencies 0.00%  
Governmental agency mortgage-backed securities | Non-Investment Grade    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 0.0  
Percentage of debt securities by credit rating agencies 0.00%  
U.S. corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 1,034.8 925.6
U.S. corporate debt securities | Investment Grade | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 645.9  
Percentage of debt securities by credit rating agencies 62.40%  
U.S. corporate debt securities | Investment Grade | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 312.5  
Percentage of debt securities by credit rating agencies 30.20%  
U.S. corporate debt securities | Non-Investment Grade    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 76.4  
Percentage of debt securities by credit rating agencies 7.40%  
Foreign corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 471.2 $ 484.5
Foreign corporate debt securities | Investment Grade | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 277.8  
Percentage of debt securities by credit rating agencies 58.90%  
Foreign corporate debt securities | Investment Grade | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 179.3  
Percentage of debt securities by credit rating agencies 38.10%  
Foreign corporate debt securities | Non-Investment Grade    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 14.1  
Percentage of debt securities by credit rating agencies 3.00%  
v3.25.4
Debt Securities (Composition of Debt Securities Portfolio by Credit Rating Agencies) (Narrative) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value $ 8,466.7 $ 7,265.9
Estimated fair value of debt securities, Unrealized loss position 3,883.2 $ 6,175.0
Bank Loans    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value 49.0  
Estimated fair value of debt securities, Unrealized loss position 8.1  
Emerging Market Securities    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value 30.7  
Estimated fair value of debt securities, Unrealized loss position 13.6  
Non-Investment Grade    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value 92.6  
Estimated fair value of debt securities, Unrealized loss position 17.5  
Non-Investment Grade | Bank Loans    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value 46.5  
Estimated fair value of debt securities, Unrealized loss position 8.0  
Non-Investment Grade | High Yield Corporate Debt Securities    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value 41.7  
Estimated fair value of debt securities, Unrealized loss position 8.1  
Non-Investment Grade | Emerging Market Securities    
Schedule Of Available For Sale Securities [Line Items]    
Debt securities, Estimated fair value 3.1  
Estimated fair value of debt securities, Unrealized loss position $ 1.1  
v3.25.4
Debt Securities (Composition of Debt Securities Portfolio in Unrealized Loss Position by Credit Rating Agencies) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 3,883.2 $ 6,175.0
U.S. Treasury bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position 98.0  
Municipal bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position 569.9  
Foreign government bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position 136.0  
Governmental agency bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position 239.5  
Governmental agency mortgage-backed securities    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position 2,467.9  
U.S. corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position 270.6  
Foreign corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position 101.3  
Investment Grade | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 3,720.0  
Percentage of debt securities in unrealized loss position 95.70%  
Investment Grade | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 145.7  
Percentage of debt securities in unrealized loss position 3.80%  
Investment Grade | U.S. Treasury bonds | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 98.0  
Percentage of debt securities in unrealized loss position 100.00%  
Investment Grade | U.S. Treasury bonds | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 0.0  
Percentage of debt securities in unrealized loss position 0.00%  
Investment Grade | Municipal bonds | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 555.1  
Percentage of debt securities in unrealized loss position 97.40%  
Investment Grade | Municipal bonds | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 14.5  
Percentage of debt securities in unrealized loss position 2.50%  
Investment Grade | Foreign government bonds | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 133.0  
Percentage of debt securities in unrealized loss position 97.80%  
Investment Grade | Foreign government bonds | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 2.5  
Percentage of debt securities in unrealized loss position 1.80%  
Investment Grade | Governmental agency bonds | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 239.5  
Percentage of debt securities in unrealized loss position 100.00%  
Investment Grade | Governmental agency bonds | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 0.0  
Percentage of debt securities in unrealized loss position 0.00%  
Investment Grade | Governmental agency mortgage-backed securities | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 2,467.9  
Percentage of debt securities in unrealized loss position 100.00%  
Investment Grade | Governmental agency mortgage-backed securities | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 0.0  
Percentage of debt securities in unrealized loss position 0.00%  
Investment Grade | U.S. corporate debt securities | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 176.9  
Percentage of debt securities in unrealized loss position 65.40%  
Investment Grade | U.S. corporate debt securities | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 81.7  
Percentage of debt securities in unrealized loss position 30.20%  
Investment Grade | Foreign corporate debt securities | A- or higher    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 49.6  
Percentage of debt securities in unrealized loss position 49.00%  
Investment Grade | Foreign corporate debt securities | BBB+ to BBB-    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 47.0  
Percentage of debt securities in unrealized loss position 46.40%  
Non-Investment Grade    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 17.5  
Percentage of debt securities in unrealized loss position 0.50%  
Non-Investment Grade | U.S. Treasury bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 0.0  
Percentage of debt securities in unrealized loss position 0.00%  
Non-Investment Grade | Municipal bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 0.3  
Percentage of debt securities in unrealized loss position 0.10%  
Non-Investment Grade | Foreign government bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 0.5  
Percentage of debt securities in unrealized loss position 0.40%  
Non-Investment Grade | Governmental agency bonds    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 0.0  
Percentage of debt securities in unrealized loss position 0.00%  
Non-Investment Grade | Governmental agency mortgage-backed securities    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 0.0  
Percentage of debt securities in unrealized loss position 0.00%  
Non-Investment Grade | U.S. corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 12.0  
Percentage of debt securities in unrealized loss position 4.40%  
Non-Investment Grade | Foreign corporate debt securities    
Schedule Of Available For Sale Securities [Line Items]    
Estimated fair value of debt securities, Unrealized loss position $ 4.7  
Percentage of debt securities in unrealized loss position 4.60%  
v3.25.4
Equity Securities - (Summary of Investments in Equity Securities, by Classification) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]    
Marketable equity securities $ 477.6 $ 386.8
Non-marketable equity securities 273.5 202.4
Equity method investments 98.0 102.1
Equity Securities $ 849.1 $ 691.3
v3.25.4
Equity Securities - (Summary of Investments in Marketable Equity Securities) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Schedule Of Trading Securities And Other Trading Assets [Line Items]    
Equity securities, Cost $ 466.9 $ 409.3
Equity securities, Unrealized gains (losses) 10.7 (22.5)
Equity securities, Estimated fair value 477.6 386.8
Common Stock    
Schedule Of Trading Securities And Other Trading Assets [Line Items]    
Equity securities, Cost 457.9 397.3
Equity securities, Unrealized gains (losses) 9.8 (22.6)
Equity securities, Estimated fair value 467.7 374.7
Preferred Stock    
Schedule Of Trading Securities And Other Trading Assets [Line Items]    
Equity securities, Cost 9.0 12.0
Equity securities, Unrealized gains (losses) 0.9 0.1
Equity securities, Estimated fair value $ 9.9 $ 12.1
v3.25.4
Equity Securities (Narrative) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Schedule Of Investments [Line Items]    
Realized and unrealized net gains (losses) on equity securities $ 51.1 $ 4.3
Net unrealized gains (losses) on equity securities 47.9 0.9
Common Stock    
Schedule Of Investments [Line Items]    
Net unrealized gains (losses) on equity securities $ (8.4)  
Common Stock | Offerpad Inc [Member]    
Schedule Of Investments [Line Items]    
Net unrealized gains (losses) on equity securities   $ (37.9)
v3.25.4
Equity Securities - (Summary of Changes in Carrying Amounts of Non Marketable Equity Securities) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Equity Securities Without Readily Determinable Fair Value [Line Items]    
Carrying amount, beginning of period $ 202.4  
Carrying amount, end of period 273.5 $ 202.4
Non Marketable Equity Securities    
Equity Securities Without Readily Determinable Fair Value [Line Items]    
Carrying amount, beginning of period 202.4 224.1
Net additions 45.0 6.0
Gross unrealized gains 35.3 1.5
Gross unrealized losses and impairments (9.2) (29.2)
Carrying amount, end of period $ 273.5 $ 202.4
v3.25.4
Equity Securities - (Summary of Cumulative Gross Unrealized Gains and Cumulative Gross Unrealized Losses and Impairments) (Details) - Non Marketable Equity Securities - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Equity Securities without Readily Determinable Fair Value [Line Items]    
Cumulative gross unrealized gains $ 280.1 $ 244.8
Cumulative gross unrealized losses and impairments $ 360.8 $ 351.6
v3.25.4
Allowance for Credit Losses - Summary of Allowance for Credit Losses on Accounts Receivables (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Receivables [Abstract]    
Balance at beginning of period $ 21.5 $ 21.8
Provision for expected credit losses 9.5 8.7
Write-offs/recoveries (7.1) (9.0)
Balance at end of period $ 23.9 $ 21.5
v3.25.4
Property and Equipment (Schedule of Property and Equipment) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Property, Plant and Equipment [Abstract]    
Land $ 25.2 $ 26.5
Buildings 199.3 195.8
Leasehold improvements 61.0 66.5
Furniture and equipment 174.0 175.7
Capitalized software 1,336.4 1,283.2
Property and equipment, Gross 1,795.9 1,747.7
Accumulated depreciation and amortization (1,113.6) (1,002.6)
Property and equipment, Total $ 682.3 $ 745.1
v3.25.4
Leases - Summary of Lease Assets and Liabilities (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Assets    
Operating lease assets $ 205.7 $ 214.7
Finance lease assets $ 3.9 $ 6.2
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration] Other assets Other assets
Total lease assets $ 209.6 $ 220.9
Liabilities    
Operating lease liabilities 218.2 229.9
Finance lease liabilities $ 3.7 $ 5.7
Finance Lease, Liability, Statement of Financial Position [Extensible List] Notes and contracts payable Notes and contracts payable
Total lease liabilities $ 221.9 $ 235.6
v3.25.4
Leases - Summary of Components of Lease Expense (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Finance lease cost:      
Net lease cost $ 111.6 $ 116.9 $ 122.0
Other Operating Income (Expense)      
Lessee Lease Description [Line Items]      
Operating lease cost 80.8 85.6 89.0
Finance lease cost:      
Variable lease cost 30.2 29.7 31.8
Short-term lease cost 1.4 1.4 2.1
Depreciation And Amortization      
Finance lease cost:      
Amortization of lease assets 2.3 2.7 1.7
Interest      
Finance lease cost:      
Interest of lease liabilities 0.1 0.2 0.1
Information And Other      
Finance lease cost:      
Sublease income $ (3.2) $ (2.7) $ (2.7)
v3.25.4
Leases - Schedule of Future Minimum Lease Payments Under Operating and Finance Lease with Noncancelable Lease Terms (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Operating Leases Maturities    
Operating Leases, 2026 $ 75.9  
Operating Leases, 2027 58.5  
Operating Leases, 2028 39.4  
Operating Leases, 2029 26.1  
Operating Leases, 2030 17.9  
Operating Leases, Thereafter 31.1  
Operating Leases, Total lease payments 248.9  
Operating Lease, Interest (30.7)  
Operating Leases, Present value of lease liabilities 218.2 $ 229.9
Finance Leases Maturities    
Finance Leases, 2026 2.0  
Finance Leases, 2027 0.8  
Finance Leases, 2028 0.8  
Finance Leases, 2029 0.2  
Finance Leases, 2030 0.0  
Finance Leases, Thereafter 0.0  
Finance Leases, Total lease payments 3.8  
Finance Leases, Interest (0.1)  
Finance Leases, Present value of lease liabilities 3.7 5.7
Operating and Finance Leases Maturities    
Total, 2026 77.9  
Total, 2027 59.3  
Total, 2028 40.2  
Total, 2029 26.3  
Total, 2030 17.9  
Total, Thereafter 31.1  
Total lease payments 252.7  
Total, Interest (30.8)  
Total, Present value of lease liabilities $ 221.9 $ 235.6
v3.25.4
Leases - Schedule of Information Related to Lease Terms and Discount Rate (Detail)
Dec. 31, 2025
Dec. 31, 2024
Weighted-average remaining lease terms (years):    
Operating leases 4 years 6 months 4 years 6 months
Finance leases 2 years 6 months 3 years 2 months 12 days
Weighted-average discount rates:    
Operating leases 5.40% 5.03%
Finance leases 2.33% 2.29%
v3.25.4
Leases - Schedule of Cash Flow Information Related to Lease Liabilities (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Lessee Disclosure [Abstract]      
Cash paid for amounts included in the measurement of lease liabilities, Operating cash flows from operating leases $ 83.8 $ 87.4 $ 91.5
Cash paid for amounts included in the measurement of lease liabilities, Operating cash flows from finance leases 0.1 0.2 0.1
Cash paid for amounts included in the measurement of lease liabilities, Financing cash flows from finance leases 2.3 2.6 1.8
Operating lease assets obtained in exchange for new operating lease liabilities 57.1 61.7 58.9
Finance lease assets obtained in exchange for new finance lease liabilities $ 0.0 $ 6.1 $ 1.5
v3.25.4
Goodwill (Carrying Amounts of Goodwill by Reportable Segment) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Goodwill [Line Items]    
Goodwill, Beginning Balance $ 1,804.3 $ 1,807.5
Acquisitions 10.5 1.4
Foreign currency translation 4.5 (4.6)
Goodwill, Ending Balance 1,819.3 1,804.3
Title Insurance and Services    
Goodwill [Line Items]    
Goodwill, Beginning Balance 1,763.4 1,766.6
Acquisitions 10.5 1.4
Foreign currency translation 4.5 (4.6)
Goodwill, Ending Balance 1,778.4 1,763.4
Home Warranty    
Goodwill [Line Items]    
Goodwill, Beginning Balance 40.9 40.9
Acquisitions 0.0 0.0
Foreign currency translation 0.0 0.0
Goodwill, Ending Balance $ 40.9 $ 40.9
v3.25.4
Other Intangible Assets - Schedule of Other Intangible Assets (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Intangible Assets Net Excluding Goodwill [Abstract]    
Customer relationships $ 148.8 $ 160.8
Noncompete agreements 4.5 10.5
Trademarks 70.9 70.7
Internal-use software licenses 19.5 21.7
Patents 2.8 2.8
Finite-lived intangible assets, gross 246.5 266.5
Accumulated amortization (163.4) (158.2)
Finite-lived intangible assets, net 83.1 108.3
Licenses 16.9 16.9
Other intangibles assets, net $ 100.0 $ 125.2
v3.25.4
Other Intangible Assets - (Narrative) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Intangible Assets Net Excluding Goodwill [Abstract]      
Amortization expense $ 37.6 $ 44.4 $ 51.5
v3.25.4
Other Intangible Assets - Estimated Amortization Expense for Finite-Lived Intangible Assets (Detail)
$ in Millions
Dec. 31, 2025
USD ($)
Intangible Assets Net Excluding Goodwill [Abstract]  
2026 $ 32.4
2027 14.5
2028 8.7
2029 6.0
2030 $ 5.2
v3.25.4
Deposits (Escrow, Mortgage Subserving, and Other Deposits) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Banking And Thrifts [Abstract]    
Interest bearing $ 1,649.3 $ 1,999.9
Non-interest bearing 2,295.0 2,247.8
Escrow accounts 3,944.3 4,247.7
Interest bearing 1,040.4 606.5
Interest bearing 93.6 0.0
Other Deposits 214.4 193.9
Deposits, Total $ 5,292.7 $ 5,048.1
Weighted average interest rate, Interest bearing deposit accounts 1.84% 1.89%
v3.25.4
Reserve for Known and Incurred but Not Reported Claims (Activity in Reserve for Known and Incurred but Not Reported Claims) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]      
Balance at beginning of year $ 1,193.4 $ 1,282.4 $ 1,325.3
Provision related to current year 370.9 357.3 354.6
Provision related to prior years (44.3) (37.3) (18.3)
Total Provision 326.6 320.0 336.3
Payments, net of recoveries, related to: Current year 186.4 204.6 199.6
Payments, net of recoveries, related to: Prior years 172.0 193.2 182.2
Total Payments, net of recoveries 358.4 397.8 381.8
Other 8.0 (11.2) 2.6
Balance at end of year $ 1,169.6 $ 1,193.4 $ 1,282.4
v3.25.4
Reserve for Known and Incurred but Not Reported Claims (Narrative) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Insurance [Abstract]      
Provision for title loss, percentage of title premiums and escrow fees 3.00% 3.00% 3.25%
Ultimate loss rate 3.75% 3.75% 3.75%
Percentage reserve release for prior policy years 0.75% 0.75% 0.50%
Reserve release for prior policy years $ 39.8 $ 34.6 $ 21.6
v3.25.4
Reserve for Known and Incurred but Not Reported Claims (Summary of Loss Reserves) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Liability for Claims and Claims Adjustment Expense [Line Items]        
Known title claims, amount $ 54.6 $ 55.3    
IBNR title claims, amount 1,095.9 1,109.4    
Non-title claims, amount 19.1 28.7    
Total loss reserves, amount $ 1,169.6 $ 1,193.4 $ 1,282.4 $ 1,325.3
Known title claims, percent 4.70% 4.60%    
IBNR title claims, percent 93.70% 93.00%    
Total title claims, percent 98.40% 97.60%    
Non-title claims, percent 1.60% 2.40%    
Total loss reserves, percent 100.00% 100.00%    
Title Claims        
Liability for Claims and Claims Adjustment Expense [Line Items]        
Total loss reserves, amount $ 1,150.5 $ 1,164.7    
v3.25.4
Reserve for Known and Incurred but Not Reported Claims - Summary of Incurred and Paid Claims Development Net of Reinsurance (Detail)
Claim in Millions, $ in Millions
Dec. 31, 2025
USD ($)
Claim
Dec. 31, 2024
USD ($)
[1]
Dec. 31, 2023
USD ($)
[1]
Dec. 31, 2022
USD ($)
[1]
Dec. 31, 2021
USD ($)
[1]
Dec. 31, 2020
USD ($)
[1]
Dec. 31, 2019
USD ($)
[1]
Dec. 31, 2018
USD ($)
[1]
Dec. 31, 2017
USD ($)
[1]
Dec. 31, 2016
USD ($)
[1]
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 1,870.7                  
Cumulative paid claims and allocated claim adjustment expenses 1,857.2                  
All outstanding liabilities before 2016 0.0                  
Liabilities for claims and claims adjustment expenses 19.1                  
Home warranty                    
Claims Development [Line Items]                    
Liabilities for claims and claims adjustment expenses 13.5                  
Accident Year 2016 [Member]                    
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 172.7 $ 172.7 $ 172.7 $ 172.7 $ 172.7 $ 172.7 $ 172.7 $ 172.7 $ 172.7 $ 172.7
Cumulative number of reported claims | Claim 1.0                  
Cumulative paid claims and allocated claim adjustment expenses $ 172.7 172.7 172.7 172.7 172.7 172.7 172.7 172.7 172.7 $ 155.4
Accident Year 2017 [Member]                    
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 167.2 167.2 167.2 167.2 167.2 167.2 167.2 167.2 167.2  
Cumulative number of reported claims | Claim 1.0                  
Cumulative paid claims and allocated claim adjustment expenses $ 167.2 167.2 167.2 167.2 167.2 167.2 167.2 167.2 $ 151.1  
Accident Year 2018 [Member]                    
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 179.8 179.8 179.8 179.8 179.8 179.8 179.8 179.8    
Cumulative number of reported claims | Claim 1.1                  
Cumulative paid claims and allocated claim adjustment expenses $ 179.8 179.8 179.8 179.8 179.8 179.8 179.8 $ 163.0    
Accident Year 2019 [Member]                    
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 174.1 174.1 174.1 174.1 174.1 174.1 174.1      
Cumulative number of reported claims | Claim 1.1                  
Cumulative paid claims and allocated claim adjustment expenses $ 174.1 174.1 174.1 174.1 174.1 174.1 $ 159.2      
Accident Year 2020 [Member]                    
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 197.4 197.4 197.4 197.4 197.4 197.4        
Cumulative number of reported claims | Claim 1.2                  
Cumulative paid claims and allocated claim adjustment expenses $ 197.4 197.4 197.4 197.4 197.4 $ 177.8        
Accident Year 2021 [Member]                    
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 218.2 218.2 218.2 218.2 218.2          
Cumulative number of reported claims | Claim 1.2                  
Cumulative paid claims and allocated claim adjustment expenses $ 218.2 218.2 218.2 218.2 $ 198.7          
Accident Year 2022 [Member]                    
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 211.8 211.8 211.8 211.8            
Cumulative number of reported claims | Claim 1.1                  
Cumulative paid claims and allocated claim adjustment expenses $ 211.8 211.8 211.8 $ 192.3            
Accident Year 2023 [Member]                    
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 193.2 193.2 193.2              
Cumulative number of reported claims | Claim 1.0                  
Cumulative paid claims and allocated claim adjustment expenses $ 193.2 193.2 $ 177.5              
Accident Year 2024 [Member]                    
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 184.4 184.4                
Cumulative number of reported claims | Claim 1.0                  
Cumulative paid claims and allocated claim adjustment expenses $ 184.4 $ 169.0                
Accident Year 2025 [Member]                    
Claims Development [Line Items]                    
Incurred claims and allocated claim adjustment expenses $ 171.9                  
Cumulative number of reported claims | Claim 0.9                  
Cumulative paid claims and allocated claim adjustment expenses $ 158.4                  
[1] Amounts unaudited.
v3.25.4
Reserve for Known and Incurred but Not Reported Claims - Reconciliation of the Net Incurred and Paid Claims Development Tables to the Liability for Claims and Claim Adjustment Expense (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Claims Development [Line Items]        
Liability for unpaid claims and claim adjustment expenses - short-duration $ 19.1      
Total loss reserves, amount 1,169.6 $ 1,193.4 $ 1,282.4 $ 1,325.3
Property and casualty insurance        
Claims Development [Line Items]        
Liability for unpaid claims and claim adjustment expenses - short-duration 5.6      
Home warranty        
Claims Development [Line Items]        
Liability for unpaid claims and claim adjustment expenses - short-duration 13.5      
Title Insurance Product Line        
Claims Development [Line Items]        
Total loss reserves, amount $ 1,150.5 $ 1,164.7    
v3.25.4
Reserve for Known and Incurred but Not Reported Claims - Schedule of Supplementary Information about Average Historical Claims (Detail)
Dec. 31, 2025
Short-Duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]  
Average annual percentage payout of incurred claims by age, Year 1 90.90%
Average annual percentage payout of incurred claims by age, Year 2 9.10%
v3.25.4
Notes and Contracts Payable (Schedule of Notes and Contracts Payable) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Debt Instrument [Line Items]    
Other notes and contracts payable with maturities through 2029, weighted-average interest rates of 3.99% and 3.77% $ 7.8 $ 11.0
Debt And Capital Lease Obligations Before Discounts Premiums Debt Issuance Costs 1,557.8 1,561.0
Unamortized discounts and debt issuance costs (12.4) (14.4)
Notes and contracts payable net of unamortized discount and debt issuance costs 1,545.4 1,546.6
5.45% unsecured notes    
Debt Instrument [Line Items]    
Senior unsecured notes 450.0 450.0
2.40% unsecured notes    
Debt Instrument [Line Items]    
Senior unsecured notes 650.0 650.0
4.00% unsecured notes    
Debt Instrument [Line Items]    
Senior unsecured notes $ 450.0 $ 450.0
v3.25.4
Notes and Contracts Payable (Schedule of Notes and Contracts Payable) (Parenthetical) (Detail)
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Senior Notes | 5.45% unsecured notes    
Debt Instrument [Line Items]    
Senior unsecured notes maturity date Sep. 30, 2034  
Effective interest rate 5.49%  
Senior Notes | 2.40% unsecured notes    
Debt Instrument [Line Items]    
Senior unsecured notes maturity date Aug. 15, 2031  
Effective interest rate 2.44%  
Senior Notes | 4.00% unsecured notes    
Debt Instrument [Line Items]    
Senior unsecured notes maturity date May 15, 2030  
Effective interest rate 4.05%  
Notes Payable, Other Payables    
Debt Instrument [Line Items]    
Other notes and contracts payable maturities in year 2029  
Weighted-average interest rate 3.99% 3.77%
v3.25.4
Notes and Contracts Payable (Narrative) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Debt Instrument [Line Items]    
Line Of Credit Facility Maximum Increase In Revolving Credit Expansion Option $ 450.0  
Long-term Line of Credit $ 0.0  
Revolving loans, interest rate description At the Company’s election, borrowings of revolving loans under the credit agreement bear interest at (a) the Alternate Base Rate plus the applicable spread, (b) the Adjusted Term SOFR Rate plus the applicable spread, or (c) the Adjusted Daily Simple SOFR plus the applicable spread (in each case as defined in the credit agreement). The Company may select interest periods of one, three or six months for Adjusted Term SOFR Rate borrowings of loans. The applicable spread varies depending upon the Debt Rating assigned by Moody’s Investor Service, Inc., Standard & Poor's Rating Services and/or Fitch Ratings Inc. The minimum applicable spread for Alternate Base Rate borrowings is 0.125% and the maximum is 0.75%. The minimum applicable spread for Adjusted Term SOFR Rate and Adjusted Daily Simple SOFR borrowings is 1.125% and the maximum is 1.75%. The Alternate Base Rate is subject to a floor of 1.00% and the Adjusted Term SOFR Rate and the Adjusted Daily Simple SOFR are each subject to a floor of 0.00%. The rate of interest on any term loans incurred in connection with the expansion option will be established at or about the time such loans are made and may differ from the rate of interest on revolving loans.  
Line of Credit Facility, Covenant Compliance The credit agreement includes representations and warranties, reporting covenants, affirmative covenants, negative covenants, financial covenants and events of default customary for financings of this type. Upon the occurrence of an event of default the lenders may accelerate the loans. Upon the occurrence of certain insolvency and bankruptcy events of default the loans will automatically accelerate. As of December 31, 2025, the Company was in compliance with the financial covenants under the credit agreement.  
Unsecured Debt | JPMorgan Chase Bank, N.A    
Debt Instrument [Line Items]    
Line of Credit Facility, Maximum Borrowing Capacity $ 900.0  
Line of Credit Facility, Expiration Date May 17, 2028  
2.40% unsecured notes    
Debt Instrument [Line Items]    
Unsecured notes $ 650.0 $ 650.0
v3.25.4
Notes and Contracts Payable (Aggregate Annual Maturities of Notes and Contracts Payable) (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Maturities of Long-term Debt [Abstract]    
2026 $ 3.4  
2027 2.2  
2028 2.0  
2029 0.2  
2030 450.0  
Thereafter 1,100.0  
Debt And Capital Lease Obligations Before Discounts Premiums Debt Issuance Costs $ 1,557.8 $ 1,561.0
v3.25.4
Net Investment Income (Schedule of Net Investment Income) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Schedule Of Investment Income Reported Amounts By Category [Line Items]      
Total investment income $ 624.1 $ 564.2 $ 573.0
Deposits and other investments 331.6 282.3 303.5
Deferred compensation plan assets 18.6 19.5 21.9
Equity in earnings of affiliates, net 7.2 7.4 5.4
Investment expenses (3.1) (3.2) (3.0)
Net investment income 621.0 561.0 570.0
Debt Securities      
Schedule Of Investment Income Reported Amounts By Category [Line Items]      
Total investment income 255.9 244.6 231.7
Equity Securities      
Schedule Of Investment Income Reported Amounts By Category [Line Items]      
Total investment income $ 10.8 $ 10.4 $ 10.5
v3.25.4
Income Taxes (Narrative) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Income Tax Disclosure [Line Items]      
Income (loss) before noncontrolling interests, Domestic $ 684.4 $ 193.4 $ 83.2
Income (loss) before noncontrolling interests, Foreign $ 82.2 $ 141.8 $ 81.0
U.S. federal statutory tax 21.00% 21.00% 21.00%
Effective income tax rates 24.30% 19.80% 21.50%
Foreign tax credit carryover net of valuation allowance $ 1.4    
Operating loss carryforwards, amount 269.4    
Operating loss carryforwards, indefinite expiration, amount 41.0    
Operating loss carryforwards, subject to expiration, amount $ 228.4    
Operating loss carryforwards expiration date Dec. 31, 2026    
Deferred tax asset valuation allowance $ 29.4 $ 27.9  
Tax benefits on income tax expense 0.8 0.3 $ 0.7
Liability for income taxes associated with uncertain tax positions 34.4 31.6 12.4
Offsetting tax benefits related to uncertain tax positions $ 3.7 3.7 $ 0.8
Percentage of bonus depreciation for assets placed in service impact tax reform 100.00%    
Current year tax deductions $ 412.3    
Tax deductions reflect timing related reclassification between income tax payable and deferred tax balances 86.6    
Deferred Tax Assets Valuation Allowances on Capital Losses      
Income Tax Disclosure [Line Items]      
Deferred tax asset valuation allowance 24.7 24.7  
Deferred Tax Assets Valuation Allowances On Net Operating Loss Carryforwards      
Income Tax Disclosure [Line Items]      
Deferred tax asset valuation allowance 4.7 4.7  
Deferred Tax Assets Valuation Allowances On Other Deferred Tax Assets      
Income Tax Disclosure [Line Items]      
Deferred tax asset valuation allowance 3.2 $ 3.2  
Federal      
Income Tax Disclosure [Line Items]      
Operating loss carryforwards, amount 15.5    
State and Local Jurisdiction      
Income Tax Disclosure [Line Items]      
Operating loss carryforwards, amount 244.3    
Foreign Tax Authority      
Income Tax Disclosure [Line Items]      
Operating loss carryforwards, amount $ 9.6    
v3.25.4
Income Taxes - Summary of Tax Expenses (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Income Tax Disclosure [Abstract]      
Current Federal $ 24.2 $ (0.7) $ 55.4
Current State 11.7 6.1 2.8
Current foreign 27.3 17.3 11.6
Current Income Tax Expense (Benefit), Total 63.2 22.7 69.8
Deferred Federal 114.6 21.4 (8.6)
Deferred State 17.5 (16.6) (10.9)
Deferred Foreign 5.7 5.3 8.6
Deferred Income Tax Expense (Benefit), Total 137.8 10.1 (10.9)
Income tax $ 201.0 $ 32.8 $ 58.9
v3.25.4
Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Effective Income Tax Rate Reconciliation [Line Items]      
U.S. federal statutory tax $ 173.5 $ 34.7 $ 57.6
State and local income taxes, net of federal income tax effect [1] 23.0 (8.3) (6.4)
Foreign tax effects      
Effect of changes in tax laws or rates enacted in the current period 0.0 0.0 0.0
Effect of cross-border tax laws      
Global intangible low-taxed income 0.4 (0.9) 0.1
Foreign branch income 3.5 3.3 2.6
Unremitted foreign earnings 3.4 (1.4) 1.2
Tax credits      
Research and development tax credits (5.6) (11.1) (17.3)
Foreign tax credits (4.6) (3.5) 0.0
Changes in valuation allowances      
Capital loss carryover 0.0 12.2 7.7
Foreign tax credits 1.3 (0.8) 0.0
Nontaxable or nondeductible items      
Tax exempt interest income (6.7) (6.4) (7.2)
Meals and entertainment 2.6 2.2 1.7
Key man life insurance (2.1) (2.2) (1.7)
Share-based compensation 4.1 2.3 0.0
Other 1.1 0.7 3.7
Changes in unrecognized tax benefits 3.6 6.8 10.7
Other adjustments 0.3 (0.1) (0.7)
Income tax $ 201.0 $ 32.8 $ 58.9
U.S. federal statutory tax 21.00% 21.00% 21.00%
State and local income taxes, net of federal income tax effect [1] 2.80% (5.00%) (2.30%)
Foreign tax effects      
Effect of changes in tax laws or rates enacted in the current period 0.00% 0.00% 0.00%
Effect of cross-border tax laws      
Global intangible low-taxed income 0.00% (0.50%) 0.00%
Foreign branch income 0.40% 2.00% 0.90%
Unremitted foreign earnings 0.40% (0.80%) 0.40%
Tax credit      
Research and development tax credits (0.70%) (6.70%) (6.30%)
Foreign tax credits (0.60%) (2.10%) 0.00%
Changes in valuation allowances      
Capital loss carryover 0.00% 7.40% 2.80%
Foreign tax credits 0.20% (0.50%) 0.00%
Nontaxable or nondeductible items      
Tax exempt interest income (0.80%) (3.90%) (2.50%)
Meals and entertainment 0.30% 1.30% 0.60%
Key man life insurance (0.30%) (1.30%) (0.60%)
Share-based compensation 0.50% 1.40% 0.00%
Other 0.10% 0.40% 1.30%
Changes in unrecognized tax benefits 0.40% 4.10% 3.90%
Other adjustments 0.20% (0.10%) (0.20%)
Income tax 24.30% 19.80% 21.50%
Australia      
Foreign tax effects      
IFRS 17 adjustments $ (2.1) $ 2.1 $ 0.0
Other $ 2.7 $ (2.4) $ (1.1)
Foreign tax effects      
IFRS 17 adjustments (0.30%) 1.30% 0.00%
Other 0.30% (1.50%) (0.40%)
Canada      
Foreign tax effects      
IFRS 17 adjustments $ 0.0 $ 0.0 $ 3.1
Other 0.1 (0.4) (1.2)
Statutory tax rate difference between Canada and United States (4.4) (3.3) (2.3)
Provincial and territorial income taxes [2] $ 8.4 $ 6.3 $ 4.4
Foreign tax effects      
IFRS 17 adjustments 0.00% 0.00% 1.10%
Other 0.00% (0.20%) (0.40%)
Statutory tax rate difference between Canada and United States (0.50%) (2.00%) (0.80%)
Provincial and territorial income taxes [2] 1.00% 3.80% 1.60%
India      
Foreign tax effects      
Other $ 1.4 $ 1.2 $ 3.1
Withholding tax $ 2.0 $ 2.0 $ 0.0
Foreign tax effects      
Other 0.20% 0.70% 1.10%
Withholding tax 0.20% 1.20% 0.00%
United Kingdom      
Foreign tax effects      
United Kingdom $ (4.5) $ 0.4 $ 0.6
Foreign tax effects      
United Kingdom (0.50%) 0.20% 0.20%
Other Foreign Jurisdictions      
Foreign tax effects      
Other foreign jurisdictions $ (0.4) $ (0.6) $ 0.3
Foreign tax effects      
Other foreign jurisdictions 0.00% (0.40%) 0.10%
[1] State taxes in California made up the majority (greater than 50 percent) of the tax effect in this category.
[2] Provincial taxes in Ontario made up the majority (greater than 50 percent) of the tax effect in this category.
v3.25.4
Income Taxes - Net Deferred Tax Liability (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Components of Deferred Tax Assets and Liabilities [Abstract]    
Deferred revenue $ 9.9 $ 10.4
Employee benefits 109.9 103.9
Bad debt reserves 9.1 7.9
Pension 11.7 11.3
Net operating loss carryforward 17.5 27.6
Foreign tax credit 3.0 3.5
Operating lease liabilities 44.4 47.1
Investments in affiliates 15.6 17.2
Securities 49.4 124.1
Other 19.2 17.5
Deferred tax assets before valuation allowance 289.7 370.5
Valuation allowance (29.4) (27.9)
Deferred tax assets 260.3 342.6
Depreciable and amortizable assets (378.0) (264.6)
Claims and related salvage (129.3) (119.2)
Operating lease assets (41.3) (43.2)
Unremitted foreign earnings (15.0) (10.9)
Deferred tax liabilities (563.6) (437.9)
Net deferred tax asset (liability) $ (303.3) $ (95.3)
v3.25.4
Income Taxes - Summary of Income Taxes Paid (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Income Tax Disclosure [Abstract]      
Federal $ 17.9 $ (10.5) $ 96.1
State 5.7 (4.1) 9.0
Foreign 27.9 13.1 14.9
Income taxes paid (refunded) $ 51.5 $ (1.5) $ 120.0
v3.25.4
Income Taxes - Summary of Income Tax Paid By Jurisdiction (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Income Tax Paid, by Individual Jurisdiction [Line Items]      
Federal $ 17.9 $ (10.5) $ 96.1
State 5.7 (4.1) 9.0
Foreign 27.9 13.1 14.9
Arizona      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   (0.1)  
California      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   (10.5)  
Florida      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   3.4  
Idaho      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   0.4  
Illinois      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   0.6  
Louisiana      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   0.2  
Maryland      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   0.1  
Montana      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   (0.1)  
New York      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   0.6  
Oregon      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   0.4  
Pennsylvania      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   0.1  
Tennessee      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   0.2  
Texas      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
State   0.5  
Australia      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
Foreign   0.9  
New Zealand      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
Foreign   0.1  
India      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
Foreign 5.4 5.8 $ 8.6
Canada      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
Foreign 17.6 3.2  
England      
Income Tax Paid, by Individual Jurisdiction [Line Items]      
Foreign $ 5.4 $ 3.1  
v3.25.4
Income Taxes - Changes In Unrecognized Tax Benefits (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Income Tax Disclosure [Abstract]      
Unrecognized tax benefits—beginning balance $ 31.6 $ 12.4 $ 3.2
Gross increases—prior period tax positions 0.6 14.8 8.4
Gross increases—current period tax positions 2.5 4.4 5.2
Settlements with taxing authorities (0.3) 0.0 (4.4)
Unrecognized tax benefits—ending balance $ 34.4 $ 31.6 $ 12.4
v3.25.4
Earnings Per Share (Schedule of Earnings Per Share) (Detail) - USD ($)
$ / shares in Units, shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Earnings Per Share [Line Items]      
Net income attributable to the Company $ 621.8 $ 131.1 $ 216.8
Basic weighted-average shares 103.3 103.9 104.3
Diluted weighted-average shares 103.7 104.3 104.6
Basic $ 6.02 $ 1.26 $ 2.08
Diluted $ 6 $ 1.26 $ 2.07
RSUs and PRSUs      
Earnings Per Share [Line Items]      
Effect of dilutive RSUs 0.4 0.4 0.3
v3.25.4
Earnings Per Share (Narrative) (Detail) - shares
shares in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
RSUs      
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]      
Antidilutive securities excluded from the weighted-average diluted common shares outstanding 15 44 8
PRSUs      
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]      
Antidilutive securities excluded from the weighted-average diluted common shares outstanding 30 45 13
v3.25.4
Employee Benefit Plans (Narrative) (Detail) - USD ($)
shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Deferred compensation arrangements [Abstract]    
Deferred compensation plan, maximum deferral percentage 100.00%  
Assets held-in-trust $ 165.0 $ 148.0
Unfunded liabilities $ 179.6 $ 164.2
Executive and management supplemental benefit plans compensation period 5 years  
Savings Plan    
Deferred compensation arrangements [Abstract]    
Common stock, outstanding 1.1 1.3
Percentage of plan shares in total shares outstanding 1.10% 1.20%
Unfunded Supplemental Benefit Plans    
Deferred compensation arrangements [Abstract]    
Cash contribution to plans during the next 12 months $ 15.9  
Unfunded Supplemental Benefit Plans | Maximum    
Deferred compensation arrangements [Abstract]    
Maximum benefit rate of final average compensation under non qualified plan 30.00%  
Unfunded Supplemental Benefit Plans | Minimum    
Deferred compensation arrangements [Abstract]    
Maximum benefit rate of final average compensation under non qualified plan 15.00%  
Defined Benefit Pension And Supplemental Benefit Plans    
Deferred compensation arrangements [Abstract]    
Net actuarial loss expected to be amortized from accumulated comprehensive income/loss into net periodic loss in next fiscal year $ 2.0  
v3.25.4
Employee Benefit Plans (Principal Components of Employee Benefit Costs) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Employee Benefit Plan Disclosure [Line Items]      
Pension and Other Postretirement Benefits Cost (Reversal of Cost) $ 107.0 $ 98.9 $ 73.6
Savings Plan      
Employee Benefit Plan Disclosure [Line Items]      
Savings plan 63.3 60.5 34.5
Unfunded Supplemental Benefit Plans      
Employee Benefit Plan Disclosure [Line Items]      
Employee benefit plan expenses 11.4 12.0 12.3
Other Plans, Net      
Employee Benefit Plan Disclosure [Line Items]      
Other plans, net $ 32.3 $ 26.4 $ 26.8
v3.25.4
Employee Benefit Plans (Company's Benefit Obligations and Funded Status) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Change in projected benefit obligation:      
Service costs $ 0.1 $ 0.1 $ 0.1
Interest costs 9.4 9.6 10.2
Unfunded Supplemental Benefit Plans      
Change in projected benefit obligation:      
Benefit obligation at beginning of year 185.1 196.0  
Service costs 0.1 0.1  
Interest costs 9.4 9.6  
Actuarial loss (gain) 3.4 (5.3)  
Benefits paid (15.0) (15.3)  
Projected benefit obligation at end of year 183.0 185.1 $ 196.0
Change in plan assets:      
Contributions 15.0 15.3  
Benefits paid (15.0) (15.3)  
Fair value of plan assets at end of year 0.0 0.0  
Reconciliation of funded status, Unfunded status of the plans 183.0 185.1  
Amounts recognized in the consolidated balance sheet, Accrued benefit liability 183.0 185.1  
Unrecognized net actuarial loss 44.8 43.3  
Accumulated benefit obligation at end of year $ 183.0 $ 185.1  
v3.25.4
Employee Benefit Plans (Net Periodic Benefit Costs) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]      
Service costs $ 0.1 $ 0.1 $ 0.1
Interest costs $ 9.4 $ 9.6 $ 10.2
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income [Extensible Enumeration] Interest Expense, Operating and Nonoperating Interest Expense, Operating and Nonoperating Interest Expense, Operating and Nonoperating
Amortization of net actuarial loss $ 1.9 $ 2.3 $ 2.0
Defined Benefit Plan, Net Periodic Benefit (Cost) Credit, Amortization of Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration] Depreciation, Depletion and Amortization, Nonproduction Depreciation, Depletion and Amortization, Nonproduction Depreciation, Depletion and Amortization, Nonproduction
Net periodic costs $ 11.4 $ 12.0 $ 12.3
v3.25.4
Employee Benefit Plans (The Weighted-Average Discount Rate Assumptions Used to Determine Net Periodic Benefit Costs) (Detail) - Unfunded Supplemental Benefit Plans
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Discount rates:      
Projected benefit obligation 5.64% 5.21% 5.56%
Service cost 5.94% 5.40% 5.75%
Interest cost 5.35% 5.15% 5.45%
v3.25.4
Employee Benefit Plans (The Weighted-Average Discount Rate Assumptions Used to Determine the Projected Benefit Obligations) (Detail)
Dec. 31, 2025
Dec. 31, 2024
Unfunded Supplemental Benefit Plans    
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]    
Defined benefit pension plans, Discount rate 5.26% 5.64%
v3.25.4
Employee Benefit Plans (Benefit Payments) (Detail)
$ in Millions
Dec. 31, 2025
USD ($)
Defined Benefit Plan, Expected Future Benefit Payment [Abstract]  
2026 $ 15.9
2027 16.8
2028 16.5
2029 16.1
2030 15.7
Five years thereafter $ 72.0
v3.25.4
Fair Value Measurements - Fair Value of Assets Measured on Recurring Basis (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value $ 8,466.7 $ 7,265.9
Equity securities, estimated fair value 477.6 386.8
Total assets 8,944.3 7,652.7
U.S. Treasury bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 243.6 175.6
Municipal bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 960.1 776.5
Foreign government bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 235.2 211.6
Governmental agency bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 261.0 189.8
Governmental agency mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 5,260.8 4,502.3
U.S. corporate debt securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 1,034.8 925.6
Foreign corporate debt securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 471.2 484.5
Common Stock    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Equity securities, estimated fair value 467.7 374.7
Preferred Stock    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Equity securities, estimated fair value 9.9 12.1
Level 1    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Equity securities, estimated fair value 477.6 386.8
Total assets 477.6 386.8
Level 1 | U.S. Treasury bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 1 | Municipal bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 1 | Foreign government bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 1 | Governmental agency bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 1 | Governmental agency mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 1 | U.S. corporate debt securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 1 | Foreign corporate debt securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 1 | Common Stock    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Equity securities, estimated fair value 467.7 374.7
Level 1 | Preferred Stock    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Equity securities, estimated fair value 9.9 12.1
Level 2    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 8,466.7 7,265.9
Equity securities, estimated fair value 0.0 0.0
Total assets 8,466.7 7,265.9
Level 2 | U.S. Treasury bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 243.6 175.6
Level 2 | Municipal bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 960.1 776.5
Level 2 | Foreign government bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 235.2 211.6
Level 2 | Governmental agency bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 261.0 189.8
Level 2 | Governmental agency mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 5,260.8 4,502.3
Level 2 | U.S. corporate debt securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 1,034.8 925.6
Level 2 | Foreign corporate debt securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 471.2 484.5
Level 2 | Common Stock    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Equity securities, estimated fair value 0.0 0.0
Level 2 | Preferred Stock    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Equity securities, estimated fair value 0.0 0.0
Level 3    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Equity securities, estimated fair value 0.0 0.0
Total assets 0.0 0.0
Level 3 | U.S. Treasury bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 3 | Municipal bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 3 | Foreign government bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 3 | Governmental agency bonds    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 3 | Governmental agency mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 3 | U.S. corporate debt securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 3 | Foreign corporate debt securities    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Debt securities, estimated fair value 0.0 0.0
Level 3 | Common Stock    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Equity securities, estimated fair value 0.0 0.0
Level 3 | Preferred Stock    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]    
Equity securities, estimated fair value $ 0.0 $ 0.0
v3.25.4
Fair Value Measurements (Narrative) (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]    
Fair value asset transfers between measurement levels $ 0 $ 0
v3.25.4
Fair Value Measurements - Carrying Amounts and Estimated Fair Values of Financial Instruments Not Measured at Fair Value (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Assets:    
Notes receivable, net $ 35.7 $ 34.4
Carrying Amount    
Assets:    
Cash and cash equivalents 1,387.3 1,718.1
Deposits with banks 78.5 85.4
Notes receivable, net 35.7 34.4
Secured financings receivable 986.1 690.0
Liabilities:    
Secured financings payable 906.5 643.8
Notes and contracts payable 1,545.4 1,546.6
Estimated Fair Value    
Assets:    
Cash and cash equivalents 1,387.3 1,718.1
Deposits with banks 78.2 85.3
Notes receivable, net 36.1 34.6
Secured financings receivable 986.1 690.0
Liabilities:    
Secured financings payable 906.5 643.8
Notes and contracts payable 1,459.9 1,399.4
Estimated Fair Value | Level 1    
Assets:    
Cash and cash equivalents 1,387.3 1,718.1
Deposits with banks 9.9 20.7
Notes receivable, net 0.0 0.0
Secured financings receivable 0.0 0.0
Liabilities:    
Secured financings payable 0.0 0.0
Notes and contracts payable 0.0 0.0
Estimated Fair Value | Level 2    
Assets:    
Cash and cash equivalents 0.0 0.0
Deposits with banks 68.3 64.6
Notes receivable, net 0.0 0.0
Secured financings receivable 986.1 690.0
Liabilities:    
Secured financings payable 906.5 643.8
Notes and contracts payable 1,452.1 1,388.4
Estimated Fair Value | Level 3    
Assets:    
Cash and cash equivalents 0.0 0.0
Deposits with banks 0.0 0.0
Notes receivable, net 36.1 34.6
Secured financings receivable 0.0 0.0
Liabilities:    
Secured financings payable 0.0 0.0
Notes and contracts payable $ 7.8 $ 11.0
v3.25.4
Fair Value Measurements - Summary of Assets Measured at Fair Value on Non Recurring Basis (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Non-marketable equity securities $ 273.5 $ 202.4  
Non Marketable Equity Securities      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Non-marketable equity securities 273.5 202.4 $ 224.1
Non Marketable Equity Securities | Non-recurring Basis      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Non-marketable equity securities [1] 108.3 [2] 23.4 [3]  
Non Marketable Equity Securities | Level 1 | Non-recurring Basis      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Non-marketable equity securities [1] 0.0 [2] 0.0 [3]  
Non Marketable Equity Securities | Level 2 | Non-recurring Basis      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Non-marketable equity securities [1] 105.1 [2] 5.1 [3]  
Non Marketable Equity Securities | Level 3 | Non-recurring Basis      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Non-marketable equity securities [1] $ 3.2 [2] $ 18.3 [3]  
[1] Estimated fair values were determined during the year as of the dates that either an observable transaction occurred or an impairment assessment was made.
[2] Excludes $179.0 million of non-marketable equity securities for which no observable price changes or impairment charges occurred during the year.
[3] Excludes $165.2 million of non-marketable equity securities for which no observable price changes or impairment charges occurred during the year.
v3.25.4
Fair Value Measurements - Summary of Assets Measured at Fair Value on Non Recurring Basis (Parenthetical) (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Non-marketable equity securities $ 273.5 $ 202.4
Non Marketable Equity Securities Not Measured at Fair Value [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Non-marketable equity securities $ 165.2 $ 179.0
v3.25.4
Fair Value Measurements - Summary of Valuation Techniques and Significant Unobservable Inputs Used in Measuring Fair Value of Non-Marketable Equity Securities (Details) - Market Approach - Non-Marketable Equity Securities - Revenue Multiple - Level 3
$ in Millions
Dec. 31, 2025
USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]  
Fair Value $ 3.2
Measurement input 7.1 [1]
Minimum  
Fair Value Measurement Inputs and Valuation Techniques [Line Items]  
Measurement input 6.1
Maximum  
Fair Value Measurement Inputs and Valuation Techniques [Line Items]  
Measurement input 9
[1] Weighted average is calculated based on the fair values of the non-marketable equity securities.
v3.25.4
Share-Based Compensation Plans (Narrative) (Detail) - USD ($)
$ / shares in Units, shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Unrecognized compensation cost related to unvested RSUs and PRSUs $ 46.5    
Incentive Compensation Plan      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Common stock that will be made available for sale, in shares 2.9    
Employee Stock Purchase Plan      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Employee stock purchase plan percentage of purchase price on closing price 85.00%    
Shares issued Employee Stock Purchase Plan 0.5 0.5 0.5
Shares reserved for future issuances 7.5    
RSUs      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Total fair value of shares distributed $ 55.3 $ 55.1 $ 62.7
Shares vested but not distributed 0.9    
RSUs and PRSUs      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Unrecognized compensation cost related to unvested RSUs and PRSUs that is expected to be recognized over a weighted-average period, Years 2 years 4 months 24 days    
Weighted average grant-date fair value $ 65.18 $ 58.91 $ 63.73
Amended Employee Stock Purchase Plan      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Share-based compensation arrangement, term of plan Jul. 01, 2032    
Incentive Compensation Plan      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Common stock that will be made available for sale, in shares 2.0    
v3.25.4
Share-Based Compensation (Costs Associated with Share-Based Compensation Plans) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Share-based compensation $ 68.4 $ 52.0 $ 49.1
RSUs      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Share-based compensation 54.7 40.2 38.4
PRSUs      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Share-based compensation 7.3 5.6 4.5
Employee Stock Purchase Plan      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Share-based compensation $ 6.4 $ 6.2 $ 6.2
v3.25.4
Share-Based Compensation (Summary of RSU and PSRU Activity) (Detail) - RSUs - RSUs and PRSUs
shares in Millions
12 Months Ended
Dec. 31, 2025
$ / shares
shares
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]  
Unvested at December 31, 2024 | shares 1.2
Granted during 2025 | shares 1.2
Vested during 2025 | shares (1.1)
Forfeited during 2025 | shares (0.1)
Unvested at December 31, 2025 | shares 1.2
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]  
Unvested at December 31, 2024 | $ / shares $ 62.37
Granted during 2025 | $ / shares 65.18
Vested during 2025 | $ / shares 63.45
Forfeited during 2025 | $ / shares 71.64
Unvested at December 31, 2025 | $ / shares $ 63.46
v3.25.4
Stockholders' Equity (Narrative) (Detail)
shares in Millions, $ in Millions
12 Months Ended 62 Months Ended
Dec. 31, 2025
USD ($)
shares
Dec. 31, 2025
USD ($)
shares
Equity [Abstract]    
Common stock repurchased, shares | shares 2.1 6.8
Purchase of Company, value $ 122.3 $ 377.0
Maximum    
Equity [Abstract]    
Stock repurchase program, authorized amount $ 300.0 $ 300.0
v3.25.4
Accumulated Other Comprehensive Income (Loss) (AOCI) - Components of Accumulated Other Comprehensive Income (Loss) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]      
Balance $ 4,927.0 $ 4,862.8 $ 4,681.2
Accumulated other comprehensive income (loss), net of tax, Beginning Balance (496.4)    
Tax effect (69.2) (73.8) (64.1)
Balance 5,524.3 4,927.0 4,862.8
Balance (256.7) (496.4)  
Unrealized Gains (Losses) on Debt Securities      
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]      
Balance (353.7) (553.6) 751.6
Change in unrealized losses on debt securities 275.0 272.7 262.3
Change in foreign currency translation adjustment 0.0 0.0 0.0
Net actuarial (loss) gain 0.0 0.0 0.0
Amortization of net actuarial loss 0.0 0.0 0.0
Tax effect (68.9) (72.8) (64.3)
Balance (147.6) (353.7) (553.6)
Foreign Currency Translation Adjustment      
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]      
Balance (111.0) (64.9) (82.1)
Change in unrealized losses on debt securities 0.0 0.0 0.0
Change in foreign currency translation adjustment 35.4 (47.1) 17.7
Net actuarial (loss) gain 0.0 0.0 0.0
Amortization of net actuarial loss 0.0 0.0 0.0
Tax effect (0.7) 1.0 (0.5)
Balance (76.3) (111.0) (64.9)
Pension Benefit Adjustment      
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]      
Balance (31.7) (37.3) (35.2)
Change in unrealized losses on debt securities (0.0) 0.0 0.0
Change in foreign currency translation adjustment (0.0) 0.0 0.0
Net actuarial (loss) gain (3.4) 5.3 (4.8)
Amortization of net actuarial loss 1.9 2.3 2.0
Tax effect 0.4 (2.0) 0.7
Balance (32.8) (31.7) (37.3)
Accumulated Other Comprehensive Income (Loss)      
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]      
Balance (496.4) (655.8) (868.9)
Change in unrealized losses on debt securities 275.0 272.7 262.3
Change in foreign currency translation adjustment 35.4 (47.1) 17.7
Net actuarial (loss) gain (3.4) 5.3 (4.8)
Amortization of net actuarial loss 1.9 2.3 2.0
Tax effect (69.2) (73.8) (64.1)
Balance $ (256.7) $ (496.4) $ (655.8)
v3.25.4
Accumulated Other Comprehensive Income (Loss) - Other Comprehensive Income (Loss) Reclassification Adjustments (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Accumulated Other Comprehensive Income Loss [Line Items]      
Pretax change before reclassifications $ 295.6 $ (104.2) $ 194.3
Reclassifications out of AOCI 13.3 337.4 82.9
Tax effect (69.2) (73.8) (64.1)
Total other comprehensive income, net of tax 239.7 159.4 213.1
Unrealized Gains (Losses) on Debt Securities      
Accumulated Other Comprehensive Income Loss [Line Items]      
Pretax change before reclassifications 263.6 (62.4) 181.4
Reclassifications out of AOCI 11.4 335.1 80.9
Tax effect (68.9) (72.8) (64.3)
Total other comprehensive income, net of tax 206.1 199.9 198.0
Foreign Currency Translation Adjustment      
Accumulated Other Comprehensive Income Loss [Line Items]      
Pretax change before reclassifications 35.4 (47.1) 17.7
Reclassifications out of AOCI 0.0 0.0 0.0
Tax effect (0.7) 1.0 (0.5)
Total other comprehensive income, net of tax 34.7 (46.1) 17.2
Pension Benefit Adjustment      
Accumulated Other Comprehensive Income Loss [Line Items]      
Pretax change before reclassifications (3.4) 5.3 (4.8)
Reclassifications out of AOCI 1.9 2.3 2.0
Tax effect 0.4 (2.0) 0.7
Total other comprehensive income, net of tax $ (1.1) $ 5.6 $ (2.1)
v3.25.4
Accumulated Other Comprehensive Income (Loss) - Reclassifications Out of AOCI) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Pretax total $ (13.3) $ (337.4) $ (82.9)
Unrealized Gains (Losses) on Debt Securities      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Net realized losses on sales of debt securities (11.4) (335.1) (80.9)
Tax effect 2.9 89.5 19.8
Pension Benefit Adjustment      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Amortization of net actuarial loss [1] (1.9) (2.3) (2.0)
Pretax total (1.9) (2.3) (2.0)
Tax effect [1] $ 0.5 $ 0.6 $ 0.5
[1] Amounts are components of net periodic cost. See Note 16 Employee Benefit Plans for additional details.
v3.25.4
Segment Financial Information (Narrative) (Details)
12 Months Ended
Dec. 31, 2025
Segment
Segment Reporting [Abstract]  
Segment Reporting, CODM, Individual Title and Position or Group Name [Extensible Enumeration] srt:ChiefExecutiveOfficerMember
Segment Reporting, CODM, Profit (Loss) Measure, How Used, Description For the corporate segment, the performance of investments in venture-stage companies is primarily used to assess performance and allocate resources to the segment.
Number of reportable segments 3
v3.25.4
Segment Financial Information - (Schedule of Reportable segment Perfomance Significant Expenses and Assets) (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting Information [Line Items]      
Total consolidated revenue $ 7,452.2 $ 6,128.1 $ 6,003.5
Less:      
Personnel costs 2,260.0 2,059.4 1,989.1
Premiums retained by agents 2,374.0 2,044.6 1,952.2
Other operating expenses 1,210.6 1,113.4 1,067.0
Provision for policy losses 326.6 320.0 336.3
Depreciation and amortization 216.2 207.4 188.5
Premium taxes 81.6 68.3 63.5
Interest 157.0 149.6 132.5
Income before income taxes 826.2 165.4 274.4
Total assets 16,228.8 14,908.6 16,802.8
Operating Segments      
Segment Reporting Information [Line Items]      
Total consolidated revenue 7,452.3 [1] 6,129.6 [2] 6,004.8 [3]
Less:      
Personnel costs 2,259.9 [4] 2,059.3 [5] 1,989.1 [6]
Premiums retained by agents 2,374.0 [4] 2,044.6 [5] 1,952.2 [6]
Other operating expenses 1,210.6 [4],[7] 1,113.7 [5],[8] 1,067.0 [6],[9]
Provision for policy losses 326.7 [4] 320.0 [5] 336.3 [6]
Depreciation and amortization 216.2 [4] 207.4 [5] 188.5 [6]
Premium taxes 81.7 [4] 68.3 [5] 63.5 [6]
Interest 157.0 [4] 150.9 [5] 133.7 [6]
Income before income taxes 826.1 [4] 163.9 [5] 273.2 [6]
Total assets 16,595.1 15,114.6 16,952.6
Segment capital expenditures 192.4 235.2 278.7
Operating Segments | Title Insurance and Services      
Segment Reporting Information [Line Items]      
Total consolidated revenue 6,977.7 [1] 5,737.3 [2] 5,724.8 [3]
Less:      
Personnel costs 2,131.4 [4] 1,953.2 [5] 1,876.0 [6]
Premiums retained by agents 2,374.0 [4] 2,044.6 [5] 1,952.2 [6]
Other operating expenses 1,081.7 [4],[7] 992.5 [5],[8] 937.7 [6],[9]
Provision for policy losses 159.2 [4] 138.3 [5] 139.9 [6]
Depreciation and amortization 210.8 [4] 202.2 [5] 183.6 [6]
Premium taxes 77.0 [4] 63.7 [5] 59.1 [6]
Interest 96.2 [4] 96.6 [5] 82.3 [6]
Income before income taxes $ 847.4 [4] $ 246.2 [5] $ 494.0 [6]
Pretax margin 12.10% 4.30% 8.60%
Total assets $ 15,287.9 $ 13,989.6 $ 15,768.2
Segment capital expenditures 186.0 229.3 271.1
Operating Segments | Home Warranty      
Segment Reporting Information [Line Items]      
Total consolidated revenue 442.9 [1] 425.7 [2] 417.2 [3]
Less:      
Personnel costs 84.1 [4] 81.2 [5] 77.8 [6]
Premiums retained by agents 0.0 [4] 0.0 [5] 0.0 [6]
Other operating expenses 90.4 [4],[7] 86.0 [5],[8] 82.8 [6],[9]
Provision for policy losses 171.9 [4] 184.4 [5] 193.1 [6]
Depreciation and amortization 5.3 [4] 5.1 [5] 4.8 [6]
Premium taxes 4.7 [4] 4.6 [5] 4.4 [6]
Interest 0.0 [4] 0.0 [5] 0.0 [6]
Income before income taxes $ 86.5 [4] $ 64.4 [5] $ 54.3 [6]
Pretax margin 19.50% 15.10% 13.00%
Total assets $ 395.3 $ 370.4 $ 351.9
Segment capital expenditures 6.4 5.9 7.6
Operating Segments | Corporate and Eliminations      
Segment Reporting Information [Line Items]      
Total consolidated revenue 31.6 (34.9) (138.5)
Operating Segments | Corporate      
Segment Reporting Information [Line Items]      
Total consolidated revenue 31.7 [1] (33.4) [2] (137.2) [3]
Less:      
Personnel costs 44.4 [4] 24.9 [5] 35.3 [6]
Premiums retained by agents 0.0 [4] 0.0 [5] 0.0 [6]
Other operating expenses 38.5 [4],[7] 35.2 [5],[8] 46.5 [6],[9]
Provision for policy losses (4.4) [4] (2.7) [5] 3.3 [6]
Depreciation and amortization 0.1 [4] 0.1 [5] 0.1 [6]
Premium taxes 0.0 [4] 0.0 [5] 0.0 [6]
Interest 60.8 [4] 54.3 [5] 51.4 [6]
Income before income taxes (107.7) [4] (145.2) [5] (273.8) [6]
Total assets 911.9 754.6 832.5
Segment capital expenditures 0.0 0.0 0.0
Eliminations      
Segment Reporting Information [Line Items]      
Total consolidated revenue (0.1) (1.5) (1.3)
Less:      
Income before income taxes 0.1 1.5 1.2
Total assets $ (366.3) [10] $ (206.0) [11] $ (149.8) [12]
[1] Intersegment revenue is included within amounts shown.
[2] Intersegment revenue is included within amounts shown.
[3] Intersegment revenue is included within amounts shown.
[4] The significant expense categories and amounts align with segment level information that is regularly provided to the chief operating decision maker. Intersegment expenses are included within amounts shown
[5] The significant expense categories and amounts align with segment level information that is regularly provided to the chief operating decision maker. Intersegment expenses are included within amounts shown.
[6] The significant expense categories and amounts align with segment level information that is regularly provided to the chief operating decision maker. Intersegment expenses are included within amounts shown
[7] Other operating expenses for each segment primarily include the following:

Title insurance and services - title and data search expenses, office and occupancy expenses and software expense.

Home warranty - advertising expense, office and occupancy expenses, software expense, delivery and storage expenses.

Corporate - employee benefit expense and certain overhead expenses.

[8] Other operating expenses for each segment primarily include the following:

Title insurance and services - title and data search expenses, office and occupancy expenses and software expense.

Home warranty - advertising expense, office and occupancy expenses, software expense, delivery and storage expenses.

Corporate - employee benefit expense and certain overhead expenses.

[9] Other operating expenses for each segment primarily include the following:

Title insurance and services - title and data search expenses, office and occupancy expenses and software expense.

Home warranty - advertising expense, office and occupancy expenses, software expense, delivery and storage expenses.

Corporate - employee benefit expense and certain overhead expenses.

[10] Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance and services segment

 

$

(366.3

)

 

[11] Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance and services segment

 

$

(206.0

)

 

[12] Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance segment and services segment

 

$

(94.8

)

Holding company dividend receivable from a subsidiary within the title insurance and services segment

 

 

(10.0

)

Holding company receivable from a subsidiary within the title insurance and services segment

 

 

(45.0

)

 

 

$

(149.8

)

v3.25.4
Segment Financial Information - (Schedule of Reportable segment Perfomance Significant Expenses and Assets) (Parenthetical) (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting Information [Line Items]      
Cash balance $ 1,387.3 $ 1,718.1  
Total assets 16,228.8 14,908.6 $ 16,802.8
Eliminations      
Segment Reporting Information [Line Items]      
Cash balance 366.3 206.0 (94.8)
Dividends receivable     (10.0)
Receivable from subsidiary     (45.0)
Total assets $ (366.3) [1] $ (206.0) [2] $ (149.8) [3]
[1] Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance and services segment

 

$

(366.3

)

 

[2] Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance and services segment

 

$

(206.0

)

 

[3] Elimination of intersegment asset balances:

Holding company cash balances also included in the title insurance segment and services segment

 

$

(94.8

)

Holding company dividend receivable from a subsidiary within the title insurance and services segment

 

 

(10.0

)

Holding company receivable from a subsidiary within the title insurance and services segment

 

 

(45.0

)

 

 

$

(149.8

)

v3.25.4
Segment Financial Information (Schedule of Information About Revenues by Segment) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting Information [Line Items]      
Total revenues $ 7,452.2 $ 6,128.1 $ 6,003.5
Direct premiums and escrow fees 2,762.7 2,446.0 2,252.1
Agent premiums 2,959.4 2,561.9 2,449.3
Information and other 1,088.2 960.8 938.5
Net investment income 621.0 561.0 570.0
Net investment gains (losses) (11.4) (335.1) (80.9)
Operating Segments      
Segment Reporting Information [Line Items]      
Total revenues 7,452.3 [1] 6,129.6 [2] 6,004.8 [3]
Direct premiums and escrow fees 2,762.7 2,446.0 2,252.1
Agent premiums 2,959.4 2,561.9 2,449.3
Information and other 1,088.2 960.8 938.5
Net investment income 621.0 561.0 570.0
Net investment gains (losses) 20.9 (401.6) (206.4)
Operating Segments | Title Insurance and Services      
Segment Reporting Information [Line Items]      
Total revenues 6,977.7 [1] 5,737.3 [2] 5,724.8 [3]
Direct premiums and escrow fees 2,347.5 2,048.3 1,856.4
Agent premiums 2,959.4 2,561.9 2,449.3
Information and other 1,050.5 938.2 917.1
Net investment income 594.8 534.3 540.2
Net investment gains (losses) 25.5 (345.4) (38.2)
Operating Segments | Home Warranty      
Segment Reporting Information [Line Items]      
Total revenues 442.9 [1] 425.7 [2] 417.2 [3]
Direct premiums and escrow fees 415.2 397.8 395.6
Agent premiums 0.0 0.0 0.0
Information and other 23.0 22.5 21.7
Net investment income 5.0 4.0 5.9
Net investment gains (losses) (0.3) 1.4 (6.0)
Operating Segments | Corporate and Eliminations      
Segment Reporting Information [Line Items]      
Total revenues 31.6 (34.9) (138.5)
Direct premiums and escrow fees 0.0 (0.1) 0.1
Agent premiums 0.0 0.0 0.0
Information and other 14.7 0.1 (0.3)
Net investment income 21.2 22.7 23.9
Net investment gains (losses) (4.3) (57.6) (162.2)
Operating Segments | Corporate      
Segment Reporting Information [Line Items]      
Total revenues 31.7 [1] (33.4) [2] (137.2) [3]
Eliminations      
Segment Reporting Information [Line Items]      
Total revenues $ (0.1) $ (1.5) $ (1.3)
[1] Intersegment revenue is included within amounts shown.
[2] Intersegment revenue is included within amounts shown.
[3] Intersegment revenue is included within amounts shown.
v3.25.4
Segment Financial Information (Schedule of Total Revenues From External Customers And Long-Lived Assets) (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Revenues From External Customers And Long Lived Assets [Line Items]      
Revenues from external customers $ 7,452.2 $ 6,128.1 $ 6,003.5
Domestic | Title Insurance and Services      
Revenues From External Customers And Long Lived Assets [Line Items]      
Revenues from external customers 6,450.3 5,314.6 5,351.6
Long-lived assets 950.5 961.5 977.2
Foreign | Title Insurance and Services      
Revenues From External Customers And Long Lived Assets [Line Items]      
Revenues from external customers 527.5 421.4 372.2
Long-lived assets $ 52.5 $ 55.5 $ 53.0
v3.25.4
Schedule I - Summary Of Investments - Other Than Investments In Related Parties (Detail)
$ in Millions
Dec. 31, 2025
USD ($)
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost $ 9,609.3
Market value 9,430.1
Amount at which shown in the balance sheet 9,430.0
Short-term Investments  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 78.5
Market value 78.2
Amount at which shown in the balance sheet 78.5
U.S. Treasury bonds  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 244.2
Market value 243.6
Amount at which shown in the balance sheet 243.6
Municipal bonds  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 1,003.5
Market value 960.1
Amount at which shown in the balance sheet 960.1
Foreign government bonds  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 239.4
Market value 235.2
Amount at which shown in the balance sheet 235.2
Governmental agency bonds  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 268.3
Market value 261.0
Amount at which shown in the balance sheet 261.0
Governmental agency mortgage-backed securities  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 5,401.9
Market value 5,260.8
Amount at which shown in the balance sheet 5,260.8
U.S. corporate debt securities  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 1,032.8
Market value 1,034.8
Amount at which shown in the balance sheet 1,034.8
Foreign corporate debt securities  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 466.6
Market value 471.2
Amount at which shown in the balance sheet 471.2
Debt Securities  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 8,656.7
Market value 8,466.7
Amount at which shown in the balance sheet 8,466.7
Equity Securities, Investment Summary  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 838.4 [1]
Market value 849.1 [1]
Amount at which shown in the balance sheet 849.1 [1]
Notes Receivable  
Summary Of Investments Other Than Investments In Related Parties Reportable Data [Line Items]  
Cost 35.7
Market value 36.1
Amount at which shown in the balance sheet $ 35.7
[1] Included in equity securities are non-marketable equity securities and equity method investments, at carrying amount. Estimates of fair value for these investments could not be made without incurring excessive costs.
v3.25.4
Schedule II - Condensed Balance Sheets Parent Company (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
ASSETS        
Cash and cash equivalents $ 1,387.3 $ 1,718.1    
Income taxes receivable 65.0 61.3    
Equity securities 849.1 691.3    
Deferred income taxes 9.4 43.8    
Other assets 460.1 414.8    
Total assets 16,228.8 14,908.6 $ 16,802.8  
LIABILITIES AND EQUITY        
Accounts payable and other accrued liabilities 1,002.7 943.3    
Pension costs and other retirement plans 444.5 425.2    
Income taxes payable 42.7 27.0    
Deferred income taxes 312.7 139.1    
Notes and contracts payable 1,545.4 1,546.6    
Total liabilities 10,704.5 9,981.6    
Commitments and contingencies    
Stockholders’ equity:        
Preferred stock, $0.00001 par value; Authorized—0.5 shares; Outstanding—none 0.0 0.0    
Common stock, $0.00001 par value; Authorized-300.0 shares; Outstanding-102.0 shares and 103.0 shares 0.0 0.0    
Additional paid-in capital 1,744.4 1,787.6    
Retained earnings 4,011.8 3,617.3    
Accumulated other comprehensive loss (256.7) (496.4)    
Total stockholders’ equity 5,499.5 4,908.5    
Noncontrolling interests 24.8 18.5    
Total equity 5,524.3 4,927.0 $ 4,862.8 $ 4,681.2
Total liabilities and equity 16,228.8 14,908.6    
Parent Company        
ASSETS        
Cash and cash equivalents 338.9 196.2    
Due from subsidiaries, net 10.2 7.6    
Income taxes receivable 65.0 61.3    
Investment in subsidiaries 7,224.3 6,529.5    
Equity securities 6.2 14.6    
Deferred income taxes 9.4 43.8    
Other assets 171.4 162.1    
Total assets 7,825.4 7,015.1    
LIABILITIES AND EQUITY        
Accounts payable and other accrued liabilities 40.5 32.0    
Pension costs and other retirement plans 367.6 354.4    
Income taxes payable 42.7 27.0    
Deferred income taxes 312.7 139.1    
Notes and contracts payable 1,537.6 1,535.6    
Total liabilities 2,301.1 2,088.1    
Commitments and contingencies 0.0 0.0    
Stockholders’ equity:        
Preferred stock, $0.00001 par value; Authorized—0.5 shares; Outstanding—none 0.0 0.0    
Common stock, $0.00001 par value; Authorized-300.0 shares; Outstanding-102.0 shares and 103.0 shares 0.0 0.0    
Additional paid-in capital 1,744.4 1,787.6    
Retained earnings 4,011.8 3,617.3    
Accumulated other comprehensive loss (256.7) (496.4)    
Total stockholders’ equity 5,499.5 4,908.5    
Noncontrolling interests 24.8 18.5    
Total equity 5,524.3 4,927.0    
Total liabilities and equity $ 7,825.4 $ 7,015.1    
v3.25.4
Schedule II - Condensed Balance Sheets Parent Company (Parenthetical) (Detail) - $ / shares
shares in Millions
Dec. 31, 2025
Dec. 31, 2024
Condensed Balance Sheet Statements Captions [Line Items]    
Preferred stock, par value $ 0.00001 $ 0.00001
Preferred stock, shares authorized 0.5 0.5
Preferred stock, outstanding 0.0 0.0
Common stock, par value $ 0.00001 $ 0.00001
Common stock, shares authorized 300.0 300.0
Common stock, shares outstanding 102.0 103.0
Parent Company    
Condensed Balance Sheet Statements Captions [Line Items]    
Preferred stock, par value $ 0.00001 $ 0.00001
Preferred stock, shares authorized 0.5 0.5
Preferred stock, outstanding 0.0 0.0
Common stock, par value $ 0.00001 $ 0.00001
Common stock, shares authorized 300.0 300.0
Common stock, shares outstanding 102.0 103.0
v3.25.4
Schedule II - Condensed Statements of Income Parent Company (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Revenues:      
Information and other $ 1,088.2 $ 960.8 $ 938.5
Net investment (losses) gains (11.4) (335.1) (80.9)
Total revenues 7,452.2 6,128.1 6,003.5
Expenses:      
Income taxes 201.0 32.8 58.9
Net income 625.2 132.6 215.5
Less: Net income (loss) attributable to noncontrolling interests 3.4 1.5 (1.3)
Net income attributable to the Company 621.8 131.1 216.8
Parent Company      
Revenues:      
Information and other 14.8 0.0 0.0
Dividends from subsidiaries 585.9 172.5 411.3
Other income 17.9 20.2 22.5
Net investment (losses) gains (6.4) (37.9) 12.5
Total revenues 612.2 154.8 446.3
Expenses:      
Other expenses 111.1 88.6 97.8
Income before income taxes and equity in undistributed earnings of subsidiaries 501.1 66.2 348.5
Income taxes 121.9 13.2 74.8
Equity in undistributed earnings (losses) of subsidiaries 246.0 79.6 (58.2)
Net income 625.2 132.6 215.5
Less: Net income (loss) attributable to noncontrolling interests 3.4 1.5 (1.3)
Net income attributable to the Company $ 621.8 $ 131.1 $ 216.8
v3.25.4
Schedule II - Condensed Statements of Comprehensive Income Parent Company (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Condensed Statement Of Income Captions [Line Items]      
Net income $ 625.2 $ 132.6 $ 215.5
Other comprehensive income (loss), net of tax:      
Change in unrealized losses on debt securities 206.1 199.9 198.0
Change in foreign currency translation adjustment 34.7 (46.1) 17.2
Change in pension benefit adjustment (1.1) 5.6 (2.1)
Total other comprehensive income, net of tax 239.7 159.4 213.1
Comprehensive income 864.9 292.0 428.6
Less: Comprehensive income (loss) attributable to noncontrolling interests 3.4 1.5 (1.3)
Comprehensive income attributable to the Company 861.5 290.5 429.9
Parent Company      
Condensed Statement Of Income Captions [Line Items]      
Net income 625.2 132.6 215.5
Other comprehensive income (loss), net of tax:      
Change in unrealized losses on debt securities 206.1 199.9 198.0
Change in foreign currency translation adjustment 34.7 (46.1) 17.2
Change in pension benefit adjustment (1.1) 5.6 (2.1)
Total other comprehensive income, net of tax 239.7 159.4 213.1
Comprehensive income 864.9 292.0 428.6
Less: Comprehensive income (loss) attributable to noncontrolling interests 3.4 1.5 (1.3)
Comprehensive income attributable to the Company $ 861.5 $ 290.5 $ 429.9
v3.25.4
Schedule II - Condensed Statements of Cash Flows Parent Company (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:      
Cash provided by operating activities $ 950.8 $ 897.5 $ 354.3
CASH FLOWS FROM INVESTING ACTIVITIES:      
Acquisitions/dispositions, net of cash acquired/divested (2.5) (16.4) (24.7)
Purchases of equity securities (115.2) (44.7) (170.7)
Proceeds from insurance settlement 2.8 4.0 2.2
Cash (used for) provided by investing activities (1,455.9) (458.7) 599.5
CASH FLOWS FROM FINANCING ACTIVITIES:      
Net proceeds from issuance of unsecured senior notes 0.0 444.0 0.0
Repayment of senior unsecured notes 0.0 (300.0) (250.0)
Net activity related to noncontrolling interests (3.2) 2.5 (7.1)
Net proceeds in connection with share-based compensation 7.0 6.9 0.4
Repurchases of Company shares (122.3) (68.5) (72.7)
Payments of cash dividends (223.0) (220.7) (216.6)
Cash provided by (used for) financing activities 161.2 (2,309.4) 1,423.1
Net increase (decrease) in cash and cash equivalents (330.8) (1,887.2) 2,381.8
Cash and cash equivalents—Beginning of year 1,718.1 3,605.3 1,223.5
Cash and cash equivalents—End of year 1,387.3 1,718.1 3,605.3
Parent Company      
CASH FLOWS FROM OPERATING ACTIVITIES:      
Cash provided by operating activities 631.9 221.8 309.0
CASH FLOWS FROM INVESTING ACTIVITIES:      
Acquisitions/dispositions, net of cash acquired/divested 0.0 0.0 (2.5)
Net payments to subsidiaries (150.9) (70.8) (160.8)
Purchases of equity securities 0.0 0.0 (25.0)
Proceeds from insurance settlement 0.0 4.0 0.0
Cash (used for) provided by investing activities (150.9) (66.8) (188.3)
CASH FLOWS FROM FINANCING ACTIVITIES:      
Net proceeds from issuance of unsecured senior notes 0.0 444.0 0.0
Repayment of senior unsecured notes 0.0 (300.0) (250.0)
Net activity related to noncontrolling interests 0.0 0.2 0.3
Net proceeds in connection with share-based compensation 7.0 6.9 0.4
Repurchases of Company shares (122.3) (68.5) (72.7)
Payments of cash dividends (223.0) (220.7) (216.6)
Cash provided by (used for) financing activities (338.3) (138.1) (538.6)
Net increase (decrease) in cash and cash equivalents 142.7 16.9 (417.9)
Cash and cash equivalents—Beginning of year 196.2 179.3 597.2
Cash and cash equivalents—End of year $ 338.9 $ 196.2 $ 179.3
v3.25.4
Schedule II - Notes to Condensed Financial Statements Parent Company (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]      
Cash dividends received from subsidiaries $ 581.7 $ 148.3 $ 355.6
v3.25.4
Schedule III - Balance Sheet Captions (Detail) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Supplementary Insurance Information By Segment [Line Items]    
Deferred policy acquisition costs $ 26.3 $ 21.7
Claims reserves 1,169.6 1,193.4
Deferred revenues 214.0 210.4
Title Insurance and Services    
Supplementary Insurance Information By Segment [Line Items]    
Deferred policy acquisition costs 0.0 0.0
Claims reserves 1,150.5 1,164.7
Deferred revenues 3.7 4.0
Home Warranty    
Supplementary Insurance Information By Segment [Line Items]    
Deferred policy acquisition costs 26.3 21.7
Claims reserves 13.5 15.4
Deferred revenues 210.3 206.4
Corporate and Eliminations    
Supplementary Insurance Information By Segment [Line Items]    
Deferred policy acquisition costs 0.0 0.0
Claims reserves 5.6 13.3
Deferred revenues $ 0.0 $ 0.0
v3.25.4
Schedule III - Income Statement Captions (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Supplementary Insurance Information By Segment [Line Items]      
Premiums and escrow fees $ 5,722.1 $ 5,007.9 $ 4,701.4
Net investment income (1) [1] 641.9 159.4 363.6
Loss provision 326.6 320.0 336.3
Amortization of deferred policy acquisition costs (credits) (4.6) (1.4) (0.2)
Other operating expenses 1,210.6 1,113.4 1,067.0
Premiums written 419.0 411.3 398.4
Operating Segments | Title Insurance and Services      
Supplementary Insurance Information By Segment [Line Items]      
Premiums and escrow fees 5,306.9 4,610.2 4,305.7
Net investment income (1) [1] 620.3 188.9 502.0
Loss provision 159.2 138.3 139.9
Amortization of deferred policy acquisition costs (credits) 0.0 0.0 0.0
Other operating expenses 1,081.7 992.5 937.7
Premiums written 0.0 0.0 0.0
Operating Segments | Home Warranty      
Supplementary Insurance Information By Segment [Line Items]      
Premiums and escrow fees 415.2 397.8 395.6
Net investment income (1) [1] 4.7 5.4 (0.1)
Loss provision 171.9 184.4 193.1
Amortization of deferred policy acquisition costs (credits) (4.6) (1.4) (0.2)
Other operating expenses 90.4 86.0 82.8
Premiums written 419.0 411.3 398.4
Operating Segments | Corporate and Eliminations      
Supplementary Insurance Information By Segment [Line Items]      
Premiums and escrow fees 0.0 (0.1) 0.1
Net investment income (1) [1] 16.9 (34.9) (138.3)
Loss provision (4.5) (2.7) 3.3
Amortization of deferred policy acquisition costs (credits) 0.0 0.0 0.0
Other operating expenses 38.5 34.9 46.5
Premiums written $ (0.0) $ 0.0 $ 0.0
[1] Includes net investment income and net investment gains (losses).
v3.25.4
Schedule IV - Reinsurance (Detail) - Title Insurance and Services - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Reinsurance Premiums For Insurance Companies By Product Segment [Line Items]      
Premiums and escrow fees before reinsurance $ 5,326.6 $ 4,629.5 $ 4,321.2
Ceded to other companies 20.6 21.1 17.6
Assumed from other companies 0.9 1.8 2.1
Premiums and escrow fees $ 5,306.9 $ 4,610.2 $ 4,305.7
Percentage of amount assumed to premiums and escrow fees 0.00% 0.00% 0.00%
v3.25.4
Schedule V - Valuation And Qualifying Accounts (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Reserve Deducted From Accounts Receivable      
Valuation And Qualifying Accounts Disclosure [Line Items]      
Balance at beginning of period $ 21.5 $ 21.8 $ 21.3
Additions Charged to costs and expenses 9.5 8.7 8.1
Additions Charged to other accounts 0.0 0.0 0.0
Deductions from reserve 7.1 [1] 9.0 [2] 7.6 [3]
Balance at end of period 23.9 21.5 21.8
Reserve For Known And Incurred But Not Reported Claims      
Valuation And Qualifying Accounts Disclosure [Line Items]      
Balance at beginning of period 1,193.4 1,282.4 1,325.3
Additions Charged to costs and expenses 326.6 320.0 336.3
Additions Charged to other accounts 8.0 (11.2) 2.6
Deductions from reserve 358.4 [4] 397.8 [5] 381.8 [6]
Balance at end of period 1,169.6 1,193.4 1,282.4
Reserve deducted from notes receivable      
Valuation And Qualifying Accounts Disclosure [Line Items]      
Balance at beginning of period 2.0 0.3 6.8
Additions Charged to costs and expenses 0.0 1.7 0.0
Additions Charged to other accounts 0.0 0.0 0.0
Deductions from reserve 0.0 0.0 6.5
Balance at end of period 2.0 2.0 0.3
Reserve Deducted From Deferred Income Taxes      
Valuation And Qualifying Accounts Disclosure [Line Items]      
Balance at beginning of period 27.9 13.7 7.4
Additions Charged to costs and expenses 2.4 15.6 7.6
Additions Charged to other accounts 0.0 0.0 0.0
Deductions from reserve 0.9 1.4 1.3
Balance at end of period $ 29.4 $ 27.9 $ 13.7
[1] Amount represents accounts written off, net of recoveries.
[2] Amount represents accounts written off, net of recoveries.
[3] Amount represents accounts written off, net of recoveries.
[4] Amount represents claim payments, net of recoveries.
[5] Amount represents claim payments, net of recoveries.
[6] Amount represents claim payments, net of recoveries.