Washington, D.C. 20549

(Exact name of Registrant as Specified in its Charter)

Delaware		16-1725106
(State or Other Jurisdiction of Incorporation or Organization)		(IRS Employer Identification Number)

(Addresses of Principal Executive Offices)

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
o		Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o		Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o		Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o		Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Exhibit		Description
99.1		Press release announcing Fidelity National Financial, Inc. Reports Fourth Quarter 2008 Earnings.

Exhibit		Description
99.1		Press release announcing Fidelity National Financial, Inc. Reports Fourth Quarter 2008 Earnings.

Exhibit 99.1

		PRESS RELEASE

Fidelity National Financial, Inc. Reports Fourth Quarter 2008 EPS of ($0.01)

Jacksonville, Fla. — (February 4, 2009) — Fidelity National Financial, Inc. (NYSE:FNF), a leading provider of title insurance, specialty insurance, claims management services and information services, today reported operating results for the three-month and twelve-month periods ended December 31, 2008. These reported results include the impact of Commonwealth Land Title Insurance Company, Lawyers Title Insurance Corporation and United Capital Title Insurance Company from their acquisition date of December 22, 2008.

Three Months

Three Months

Three Months

Ended

Ended

Ended

December 31,

December 31,

December 31,

2008

2008*

2007

Total revenue

$1.02 billion

$978.8 million

$1.30 billion

Net earnings (loss)

$(1.7 million)

$1.2 million

$(44.9 million)

Net earnings (loss) per diluted share

$

(0.01

)

$

0.01

$

(0.21

)

Cash flow from operations

$60.5 million

N/A

$37.4 million

		Twelve Months Ended				Twelve Months Ended
		December 31, 2008				December 31, 2007
Total revenue		$4.33 billion				$5.52 billion
Net earnings (loss)		$(165.8 million)				$129.8 million
Net earnings (loss) per diluted share		$	(0.79	)		$	0.59
Cash flow from operations		$4.6 million				$341.9 million

     The following are summary financial and operational results for the operating segments of FNF for the three-month and twelve-month periods ended December 31, 2008 and 2007:

     Fidelity National Title Group (“FNT”)

		Three Months Ended				Three Months Ended
		December 31, 2008				December 31, 2007
Total revenue		$898.6 million				$1.17 billion
Pre-tax earnings (loss)		$7.0 million				$(66.4 million)
Pre-tax margin			0.8	%			N/A

		Twelve Months Ended				Twelve Months Ended
		December 31, 2008				December 31, 2007
Total revenue		$3.82 billion				$5.00 billion
Pre-tax earnings (loss)		$(214.3 million)				$183.5 million
Pre-tax margin			N/A				3.7	%

Month**		Direct Orders Opened				Direct Orders Closed				Closing %
October 2008			122,700				89,300				73	%
November 2008			101,400				66,800				66	%
December 2008			204,100				89,100				44	%
Fourth Quarter 2008			428,200				245,200				57	%

Month		Direct Orders Opened				Direct Orders Closed				Closing %
October 2007			172,000				105,500				61	%
November 2007			155,700				92,700				60	%
December 2007			134,300				98,400				73	%
Fourth Quarter 2007			462,000				296,600				64	%

		Open				Closed				Commercial
		Commercial				Commercial				Revenue				Commercial
		Orders				Orders				(In thousands)				Fee Per File
4th Quarter 2008**			13,800				8,000			$	39,200			$	4,900
4th Quarter 2007			17,100				11,200			$	107,000			$	9,500

     Specialty Insurance

		Three Months Ended				Three Months Ended
		December 31, 2008				December 31, 2007
Total revenue		$97.3 million				$92.9 million
Pre-tax earnings		$18.2 million				$3.4 million
Pre-tax margin			18.7	%			3.7	%

		Twelve Months Ended				Twelve Months Ended
		December 31, 2008				December 31, 2007
Total revenue		$383.3 million				$402.7 million
Pre-tax earnings		$35.0 million				$53.0 million
Pre-tax margin			9.1	%			13.2	%

     “We continued to operate in challenging markets during the fourth quarter as low order volumes in October and November caused us to continue to aggressively reduce expenses in our title operations,” said Chairman William P. Foley, II. “However, there were two positive events which occurred during the month of December that provide momentum and renewed optimism as we enter 2009.

     First, we closed on the acquisition of Commonwealth Land Title, Lawyers Title and United Capital Title on December 22, 2008. The acquisition of these underwriters makes FNF the nation’s largest title insurer by market share. We now have reserve for claim losses of more than $2.6 billion, which are approximately twice that of any other title company, reserves plus stockholders’ equity of approximately $5.4 billion and a cash and investment portfolio of more than $4.7 billion. In the first month since the acquisition, we have been very aggressive on reducing costs in those underwriters. Through the end of January, we have eliminated approximately 1,500 of the 5,500 employees that we inherited at closing, a reduction of approximately 27 percent of the existing workforce. We have also closed about 125 offices in

the first month of ownership. In total, we have eliminated run-rate savings of approximately $180 million. We will continue to evaluate the cost structure of the acquired underwriters in the first quarter, but we believe the largest costs have been taken out in the first month of ownership.

     The second positive event was the significant increase in open order counts in the months of December and January. Absolute total open order counts more than doubled in December versus their November level, with per day open orders of 9,300 increasing by approximately 65 percent. January open order counts improved further from the significant December increase, as we opened approximately 14,200 orders per day in the month of January, more than a fifty percent increase over December. The significantly stronger order count levels and the acquisition of Commonwealth Land Title, Lawyers Title and United Capital Title both provide significant opportunities for our title business as we move into 2009.”

     Fidelity National Financial, Inc. (NYSE:FNF), is a leading provider of title insurance, specialty insurance, claims management services and information services. FNF is the nation’s largest title insurance company through its title insurance underwriters — Fidelity National Title, Chicago Title, Commonwealth Land Title, Lawyers Title, Ticor Title, Security Union Title and Alamo Title — that collectively issue more title insurance policies than any other title company in the United States. FNF also provides flood insurance, personal lines insurance and home warranty insurance through its specialty insurance business. FNF also is a leading provider of outsourced claims management services to large corporate and public sector entities through its minority-owned subsidiary, Sedgwick CMS. FNF is also a leading information services company in the human resource, retail and transportation markets through another minority-owned subsidiary, Ceridian Corporation. More information about FNF can be found at www.fnf.com.

     This press release contains forward-looking statements that involve a number of risks and uncertainties. Statements that are not historical facts, including statements about our beliefs and expectations, are forward-looking statements. Forward-looking statements are based on management’s beliefs, as well as assumptions made by, and information currently available to, management. Because such statements are based on expectations as to future economic

performance and are not statements of fact, actual results may differ materially from those projected. We undertake no obligation to update any forward-looking statements, whether as a result of new information, future events or otherwise. The risks and uncertainties which forward-looking statements are subject to include, but are not limited to: the possibility that the increased volume of open orders will not continue; the possibility that the acquisition of Commonwealth Land Title, Lawyers Title and United Capital Title will have unforeseen negative effects, including if those companies have undisclosed liabilities, if we are not successful in retaining key producers or if we are not able to reach desired levels of cost savings; changes in general economic, business and political conditions, including changes in the financial markets; weakness or adverse changes in the level of real estate activity, which may be caused by, among other things, high or increasing interest rates, a limited supply of mortgage funding or a weak U. S. economy; our potential inability to find suitable acquisition candidates, acquisitions in lines of business that will not necessarily be limited to our traditional areas of focus, or difficulties in integrating acquisitions; our dependence on operating subsidiaries as a source of cash flow; significant competition that our operating subsidiaries face; compliance with extensive government regulation of our operating subsidiaries; and other risks detailed in the “Statement Regarding Forward-Looking Information,” “Risk Factors” and other sections of the Company’s Form 10-K and other filings with the Securities and Exchange Commission.

SOURCE: Fidelity National Financial, Inc.

CONTACT: Daniel Kennedy Murphy, Senior Vice President and Treasurer, 904-854-8120, dkmurphy@fnf.com

FIDELITY NATIONAL FINANCIAL, INC.
SUMMARY OF EARNINGS
(In thousands, except per share amounts and order information)

		Three months ended								Twelve months ended
		December 31,								December 31,
		2008				2007				2008				2007
		(Unaudited)								(Unaudited)
Direct title premiums		$	227,896			$	343,602			$	1,140,266			$	1,601,768
Agency title premiums			383,623				521,084				1,554,743				2,198,690
Total title premiums			611,519				864,686				2,695,009				3,800,458
Escrow, title-related and other fees			291,467				295,935				1,148,539				1,132,415
Total title and escrow			902,986				1,160,621				3,843,548				4,932,873
Specialty insurance			94,502				88,854				373,392				386,427
Interest and investment income			31,419				44,403				134,370				185,417
Realized gains and losses			(4,062	)			6,009				(19,824	)			18,458
Total revenue			1,024,845				1,299,887				4,331,486				5,523,175
Personnel costs			289,904				385,240				1,355,845				1,700,935
Other operating expenses			297,599				294,848				1,194,377				1,109,438
Agent commissions			306,352				399,875				1,218,044				1,698,215
Depreciation and amortization			34,449				37,198				141,128				130,092
Claim loss expense			82,808				240,381				630,404				653,876
Interest expense			14,416				17,747				65,351				54,941
Total expenses			1,025,528				1,375,289				4,605,149				5,347,497
Earnings (loss) before income taxes			(683	)			(75,402	)			(273,663	)			175,678
Income tax expense			(5,529	)			(34,665	)			(117,675	)			46,776
Earnings (loss) before equity investments and minority interest			4,846				(40,737	)			(155,988	)			128,902
Earnings (loss) from equity investments			(5,990	)			(3,785	)			(13,375	)			835
Minority interest			513				415				(3,574	)			(32	)
Net earnings (loss)		$	(1,657	)		$	(44,937	)		$	(165,789	)		$	129,769
Net earnings (loss) per share — basic		$	(0.01	)		$	(0.21	)		$	(0.79	)		$	0.60
Net (loss) earnings per share — diluted		$	(0.01	)		$	(0.21	)		$	(0.79	)		$	0.59
Weighted average shares — basic			209,283				212,363				209,974				216,583
Weighted average shares — diluted			209,283				212,363				209,974				219,989
Direct operations orders opened			428,200				462,000				1,860,400				2,259,800
Direct operations orders closed			245,200				296,600				1,121,200				1,434,800
Fee per file		$	1,455			$	1,693			$	1,503			$	1,635
Actual title claims paid		$	50,331			$	95,450			$	278,162			$	303,061

FIDELITY NATIONAL FINANCIAL, INC.
SEGMENT INFORMATION
(In thousands)
(Unaudited)

Three Months Ended											Specialty				Corporate
December 31, 2008		Consolidated					FNT				Insurance				and Other
Gross operating revenue		$	997,488				$	872,614			$	94,502			$	30,372
Interest and investment income			31,419					28,978				2,662				(221	)
Realized gains and losses			(4,062	)				(2,975	)			102				(1,189	)
Total revenue			1,024,845					898,617				97,266				28,962
Personnel costs			289,904					266,865				10,775				12,264
Other operating expenses			297,599					238,279				37,088				22,232
Agent commissions			306,352					306,352				—				—
Depreciation and amortization			34,449					27,319				671				6,459
Claim loss expense			82,808					52,251				30,557				—
Interest expense			14,416					581				24				13,811
Total expenses			1,025,528					891,647				79,115				54,766
Earnings (loss) before income taxes			(683	)				6,970				18,151				(25,804	)
Income tax expense			(5,529	)				(97	)			3,915				(9,347	)
Earnings (loss) before equity investments and minority interest			4,846					7,067				14,236				(16,457	)
Earnings (loss) from equity investments			(5,990	)				(1,910	)			—				(4,080	)
Minority interest			513					959				—				(446	)
Net earnings (loss)		$	(1,657	)			$	4,198			$	14,236			$	(20,091	)
Open orders			428,200					428,200				—				—
Closed orders			245,200					245,200				—				—

Three Months Ended											Specialty				Corporate
December 31, 2007		Consolidated					FNT				Insurance				and Other
Gross operating revenue		$	1,249,475				$	1,129,064			$	88,854			$	31,557
Interest and investment income			44,403					39,691				3,979				733
Realized gains and losses			6,009					2,934				26				3,049
Total revenue			1,299,887					1,171,689				92,859				35,339
Personnel costs			385,240					358,216				11,252				15,772
Other operating expenses			294,848					242,466				36,484				15,898
Agent commissions			399,875					399,875				—				—
Depreciation and amortization			37,198					33,545				1,623				2,030
Claim loss expense			240,381					200,588				39,793				—
Interest expense			17,747					3,382				281				14,084
Total expenses			1,375,289					1,238,072				89,433				47,784
Earnings (loss) before income taxes			(75,402	)				(66,383	)			3,426				(12,445	)
Income tax expense			(34,665	)				(30,925	)			1,165				(4,905	)
Earnings (loss) before equity investments and minority interest			(40,737	)				(35,458	)			2,261				(7,540	)
Earnings from equity investments			(3,785	)				520				—				(4,305	)
Minority interest			415					1,534				—				(1,119	)
Net earnings (loss)		$	(44,937	)			$	(36,472	)		$	2,261			$	(10,726	)
Open orders			462,000					462,000				—				—
Closed orders			296,600					296,600				—				—

FIDELITY NATIONAL FINANCIAL, INC.
SEGMENT INFORMATION
(In thousands)
(Unaudited)

Twelve Months Ended											Specialty				Corporate
December 31, 2008		Consolidated					FNT				Insurance				and Other
Gross operating revenue		$	4,216,940				$	3,729,259			$	373,392			$	114,289
Interest and investment income			134,370					120,157				12,929				1,284
Realized gains and losses			(19,824	)				(30,498	)			(3,007	)			13,681
Total revenue			4,331,486					3,818,918				383,314				129,254
Personnel costs			1,355,845					1,253,563				45,228				57,054
Other operating expenses			1,194,377					950,006				158,269				86,102
Agent commissions			1,218,044					1,218,044				—				—
Depreciation and amortization			141,128					114,989				4,896				21,243
Claim loss expense			630,404					490,952				139,452				—
Interest expense			65,351					5,657				487				59,207
Total expenses			4,605,149					4,033,211				348,332				223,606
Earnings (loss) before income taxes			(273,663	)				(214,293	)			34,982				(94,352	)
Income tax expense			(117,675	)				(87,408	)			11,658				(41,925	)
Earnings (loss) before equity investments and minority interest			(155,988	)				(126,885	)			23,324				(52,427	)
Earnings (loss) from equity investments			(13,375	)				1,073				—				(14,448	)
Minority interest			(3,574	)				1,518				—				(5,092	)
Net earnings (loss)		$	(165,789	)			$	(127,330	)		$	23,324			$	(61,783	)
Open orders			1,860,400					1,860,400				—				—
Closed orders			1,121,200					1,121,200				—				—

Twelve Months Ended											Specialty				Corporate
December 31, 2007		Consolidated					FNT				Insurance				and Other
Gross operating revenue		$	5,319,300				$	4,835,032			$	386,427			$	97,841
Interest and investment income			185,417					164,874				16,231				4,312
Realized gains and losses			18,458					5,080				23				13,355
Total revenue			5,523,175					5,004,986				402,681				115,508
Personnel costs			1,700,935					1,594,516				45,499				60,920
Other operating expenses			1,109,438					891,838				144,992				72,608
Agent commissions			1,698,215					1,698,085				—				130
Depreciation and amortization			130,092					120,223				6,046				3,823
Claim loss expense			653,876					502,250				151,626				—
Interest expense			54,941					14,597				1,478				38,866
Total expenses			5,347,497					4,821,509				349,641				176,347
Earnings (loss) before income taxes			175,678					183,477				53,040				(60,839	)
Income tax expense			46,776					49,275				19,271				(21,770	)
Earnings (loss) before equity investments and minority interest			128,902					134,202				33,769				(39,069	)
Earnings from equity investments			835					2,467				—				(1,632	)
Minority interest			(32	)				2,889				—				(2,921	)
Net earnings (loss)		$	129,769				$	133,780			$	33,769			$	(37,780	)
Open orders			2,259,800					2,259,800				—				—
Closed orders			1,434,800					1,434,800				—				—

FIDELITY NATIONAL FINANCIAL, INC.
SUMMARY BALANCE SHEET INFORMATION
(In thousands, except per share amounts)

		December 31,				December 31,
		2008*				2007
		(unaudited)
Cash and investment portfolio		$	4,705,227			$	4,671,383
Goodwill			1,355,250				1,339,705
Title Plant			427,971				331,888
Total assets			8,257,116				7,587,853
Notes payable			1,350,849				1,167,739
Reserve for claim losses			2,607,180				1,419,910
Secured trust deposits			474,073				689,935
Total stockholders’ equity			2,816,842				3,244,088
Book value per share			13.11				15.23

###