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:
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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 Third Quarter 2008 Earnings.

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

Exhibit 99.1

		PRESS RELEASE

Fidelity National Financial, Inc. Reports Third Quarter 2008 EPS of ($0.95); Results Include
a $261.6 Million Charge to Strengthen Reserve for Claim Losses

Jacksonville, Fla. — (October 22, 2008) — 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 nine-month periods ended September 30, 2008.

		Three Months Ended				Three Months Ended
		September 30, 2008				September 30, 2007
Total revenue		$989.7 million				$1.36 billion
Net earnings (loss)		($198.3 million)				$6.5 million
Net earnings (loss) per diluted share			($0.95	)		$	0.03
Cash flow from operations		$6.2 million				$72.1 million

		Nine Months Ended				Nine Months Ended
		September 30, 2008				September 30, 2007
Total revenue		$3.31 billion				$4.22 billion
Net earnings (loss)		($164.1 million)				$174.7 million
Net earnings (loss) per diluted share			($0.78	)		$	0.79
Cash flow from (used in) operations		($55.9 million)				$299.9 million

     The following are summary financial and operational results for the operating segments of FNF for the three-month and nine-month periods ended September 30, 2008 and 2007:

     Fidelity National Title Group (“FNT”)

		Three Months Ended				Three Months Ended
		September 30, 2008				September 30, 2007
Total revenue		$872.6 million				$1.23 billion
Pre-tax earnings (loss)		($279.4 million)				$5.7 million
Pre-tax margin			N/A				0.5	%

		Three Months Ended September 30, 2008
Pre-tax loss		($279.4 million)
Charge to strengthen reserves		$261.6 million
Realized losses and impairments		$27.6 million
Accelerated lease expense		$12.5 million
Adjusted pre-tax earnings*		$22.3 million
Adjusted pre-tax margin*		2.6%

		Nine Months Ended				Nine Months Ended
		September 30, 2008				September 30, 2007
Total revenue		$2.92 billion				$3.83 billion
Pre-tax earnings (loss)		($221.3 million)				$249.9 million
Pre-tax margin			N/A				6.5	%

Month		Direct Orders Opened		Direct Orders Closed		Closing %
July 2008		135,500		90,600			67	%
August 2008		128,900		87,300			68	%
September 2008		143,000		82,700			58	%
Third Quarter 2008		407,400		260,600			64	%

Month		Direct Orders Opened		Direct Orders Closed		Closing %
July 2007		189,200		123,800			65	%
August 2007		186,100		120,700			65	%
September 2007		148,000		94,600			64	%
Third Quarter 2007		523,300		339,100			65	%

		Open				Closed				Commercial
		Commercial				Commercial				Revenue				Commercial
		Orders				Orders				(In thousands)				Fee Per File
3rd Quarter 2008			14,800				9,200			$	60,200			$	6,600
3rd Quarter 2007			18,200				11,600			$	90,000			$	7,800

- The preceding table only includes commercial activity from FNF’s commercial offices in the national commercial division and does not attempt to capture potential commercial activity in our local offices.

     Specialty Insurance

		Three Months Ended		Three Months Ended
		September 30, 2008		September 30, 2007
Total revenue		$100.4 million		$107.0 million
Pre-tax earnings (loss)		($5.8 million)		$10.3 million
Pre-tax margin		N/A		9.6%

		Nine Months Ended		Nine Months Ended
		September 30, 2008		September 30, 2007
Total revenue		$286.0 million		$309.8 million
Pre-tax earnings		$16.8 million		$49.6 million
Pre-tax margin		5.9%		16.0%

     “We continue to operate our businesses in an extremely difficult economic environment,” said Chairman William P. Foley, II. “Order counts in the title business continued to be weak in July and August, with a short-lived increase in early September that lasted only a few weeks. We remain focused on cost and expense management throughout the company, as we eliminated approximately 1,000 additional positions in the third quarter. The majority of those eliminations came later in the quarter, so our reported results do not reflect any significant benefit from those late quarter staffing reductions. Additionally, on October 1, we instituted a 10% company-wide pay reduction that will most likely remain in place through the first quarter of 2009. We also continued to close title and escrow offices during the third quarter, closing more than 115 offices at a total accelerated lease expense of $12.5 million. The significant

weakness in the capital markets also required us to record $42 million in realized losses during the quarter, with $7 million in actual realized losses from securities sold and $35 million in impairments from corporate bonds and equity securities. We continue to manage our investment portfolio in a conservative fashion, as the average rating remains Aa1/AA+ and the duration remains approximately three years. The $35 million in impairments are other than temporary accounting impairments, not actual cash losses. The final material event during the quarter was the $261.6 million reserve strengthening charge. Based on continued adverse reported and paid claims trends over the last six quarters, we made the decision in the third quarter to more heavily weight the three most recent full year’s data on loss experience in the actuarial model and incorporate that data into the assumptions and factors that determine ultimate expected loss experience for all prior calendar years. This particular change was the primary driver in requiring a significant increase in the level of our balance sheet reserve position. We believe this update to the actuarial model better reflects the expected loss experience that we will ultimately record because of this very difficult market.

     “Our specialty insurance business earnings were negatively impacted by the numerous hurricanes that hit during this summer, as we incurred homeowner’s losses during the quarter, but we won’t see the benefit of the increased flood claim processing revenue until the fourth quarter. Finally, our two major minority-owned investments, Sedgwick and Ceridian, both continue to generate consistent EBITDA margins, despite the tough operating environment. Overall, we are focused on continuing to navigate our way through these challenging times, maintaining profitability in our title insurance operation, providing significant liquidity and ensuring the strength of our balance sheet.”

     Fidelity National Financial, Inc. (NYSE:FNF), is a leading provider of title insurance, specialty insurance, claims management services and information services. FNF is one of the nation’s largest title insurance companies through its title insurance underwriters — Fidelity National Title, Chicago Title, Ticor Title, Security Union Title and Alamo Title — that issue approximately 27 percent of all title insurance policies 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: changes in general economic, business and political conditions, including changes in the financial markets; continued 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								Nine months ended
		September 30,								September 30,
		2008				2007				2008				2007
		(Unaudited)								(Unaudited)
Direct title premiums		$	286,551			$	391,065			$	912,370			$	1,258,166
Agency title premiums			323,769				537,598				1,171,120				1,677,606
Total title premiums			610,320				928,663				2,083,490				2,935,772
Escrow, title-related and other fees			290,613				280,024				857,072				836,480
Total title and escrow			900,933				1,208,687				2,940,562				3,772,252
Specialty insurance			99,902				102,844				278,890				297,573
Interest and investment income			30,878				47,709				102,951				141,014
Realized gains and losses			(42,030	)			2,168				(15,762	)			12,449
Total revenue			989,683				1,361,408				3,306,641				4,223,288
Personnel costs			337,809				427,683				1,065,941				1,315,695
Other operating expenses			309,052				283,928				896,778				814,590
Agent commissions			254,883				415,307				911,692				1,298,340
Depreciation and amortization			35,068				32,348				106,679				92,894
Claim loss expense			359,664				189,426				547,596				413,495
Interest expense			16,081				12,782				50,935				37,194
Total expenses			1,312,557				1,361,474				3,579,621				3,972,208
Earnings before income taxes			(322,874	)			(66	)			(272,980	)			251,080
Income tax expense			(125,488	)			(4,075	)			(112,146	)			81,441
Earnings (loss) before equity investments and minority interest			(197,386	)			4,009				(160,834	)			169,639
Earnings (losses) from equity investments			(2,717	)			2,761				(7,385	)			4,620
Minority interest			(1,801	)			298				(4,087	)			(447	)
Net earnings (loss)		$	(198,302	)		$	6,472			$	(164,132	)		$	174,706
Net earnings (loss) per share — basic		$	(0.95	)		$	0.03			$	(0.78	)		$	0.80
Net (loss) earnings per share — diluted		$	(0.95	)		$	0.03			$	(0.78	)		$	0.79
Weighted average shares — basic			208,710				216,325				210,206				218,006
Weighted average shares — diluted			208,710				219,548				210,206				221,797
Direct operations orders opened			407,400				523,300				1,432,200				1,797,800
Direct operations orders closed			260,600				339,100				875,900				1,138,200
Fee per file		$	1,636			$	1,683			$	1,516			$	1,620
Actual title claims paid		$	84,668			$	79,398			$	227,831			$	207,611

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

Three Months Ended											Specialty				Corporate
September 30, 2008		Consolidated					FNT				Insurance				and Other
Gross operating revenue		$	1,000,835				$	872,855			$	99,901			$	28,079
Interest and investment income			30,878					27,354				3,263				261
Realized gains and losses			(42,030	)				(27,562	)			(2,750	)			(11,718	)
Total revenue			989,683					872,647				100,414				16,622
Personnel costs			337,809					311,856				11,766				14,187
Other operating expenses			309,052					242,993				46,952				19,107
Agent commissions			254,883					254,883				—				—
Depreciation and amortization			35,068					27,523				1,207				6,338
Claim loss expense			359,664					313,483				46,181				—
Interest expense			16,081					1,321				124				14,636
Total expenses			1,312,557					1,152,059				106,230				54,268
Earnings (loss) before income taxes			(322,874	)				(279,412	)			(5,816	)			(37,646	)
Income tax expense			(125,488	)				(104,888	)			297				(20,897	)
Earnings (loss) before equity investments and minority interest			(197,386	)				(174,524	)			(6,113	)			(16,749	)
Earnings (loss) from equity investments			(2,717	)				1,548				—				(4,265	)
Minority interest			(1,801	)				159				—				(1,960	)
Net earnings (loss)		$	(198,302	)			$	(173,135	)		$	(6,113	)		$	(19,054	)
Open orders			407,400					407,400				—				—
Closed orders			260,600					260,600				—				—

Three Months Ended											Specialty				Corporate
September 30, 2007		Consolidated					FNT				Insurance				and Other
Gross operating revenue		$	1,311,531				$	1,184,291			$	102,844			$	24,396
Interest and investment income			47,709					42,414				4,178				1,117
Realized gains and losses			2,168					(1,152	)			25				3,295
Total revenue			1,361,408					1,225,553				107,047				28,808
Personnel costs			427,683					400,020				10,834				16,829
Other operating expenses			283,928					217,640				45,891				20,397
Agent commissions			415,307					415,307				—				—
Depreciation and amortization			32,348					31,589				1,353				(594	)
Claim loss expense			189,426					151,128				38,299				(1	)
Interest expense			12,782					4,183				343				8,256
Total expenses			1,361,474					1,219,867				96,720				44,887
Earnings (loss) before income taxes			(66	)				5,686				10,327				(16,079	)
Income tax expense			(4,075	)				(2,905	)			3,197				(4,367	)
Earnings (loss) before equity investments and minority interest			4,009					8,591				7,130				(11,712	)
Earnings from equity investments			2,761					248				—				2,513
Minority interest			298					423				—				(125	)
Net earnings (loss)		$	6,472				$	8,416			$	7,130			$	(9,074	)
Open orders			523,300					523,300				—				—
Closed orders			339,100					339,100				—				—

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

Nine Months Ended											Specialty				Corporate
September 30, 2008		Consolidated					FNT				Insurance				and Other
Gross operating revenue		$	3,219,452				$	2,856,645			$	278,889			$	83,918
Interest and investment income			102,951					91,179				10,267				1,505
Realized gains and losses			(15,762	)				(27,523	)			(3,109	)			14,870
Total revenue			3,306,641					2,920,301				286,047				100,293
Personnel costs			1,065,941					986,698				34,453				44,790
Other operating expenses			896,778					711,727				121,181				63,870
Agent commissions			911,692					911,692				—				—
Depreciation and amortization			106,679					87,670				4,225				14,784
Claim loss expense			547,596					438,701				108,895				—
Interest expense			50,935					5,076				463				45,396
Total expenses			3,579,621					3,141,564				269,217				168,840
Earnings (loss) before income taxes			(272,980	)				(221,263	)			16,830				(68,547	)
Income tax expense			(112,146	)				(87,311	)			7,743				(32,578	)
Earnings (loss) before equity investments and minority interest			(160,834	)				(133,952	)			9,087				(35,969	)
Earnings (loss) from equity investments			(7,385	)				2,983				—				(10,368	)
Minority interest			(4,087	)				559				—				(4,646	)
Net earnings (loss)		$	(164,132	)			$	(131,528	)		$	9,087			$	(41,691	)
Open orders			1,432,200					1,432,200				—				—
Closed orders			875,900					875,900				—				—

Nine Months Ended											Specialty				Corporate
September 30, 2007		Consolidated					FNT				Insurance				and Other
Gross operating revenue		$	4,069,825				$	3,705,968			$	297,573			$	66,284
Interest and investment income			141,014					125,183				12,252				3,579
Realized gains and losses			12,449					2,146				(3	)			10,306
Total revenue			4,223,288					3,833,297				309,822				80,169
Personnel costs			1,315,695					1,236,300				34,247				45,148
Other operating expenses			814,590					649,372				108,508				56,710
Agent commissions			1,298,340					1,298,210				—				130
Depreciation and amortization			92,894					86,678				4,423				1,793
Claim loss expense			413,495					301,662				111,834				(1	)
Interest expense			37,194					11,215				1,197				24,782
Total expenses			3,972,208					3,583,437				260,209				128,562
Earnings (loss) before income taxes			251,080					249,860				49,613				(48,393	)
Income tax expense			81,441					80,200				18,106				(16,865	)
Earnings (loss) before equity investments and minority interest			169,639					169,660				31,507				(31,528	)
Earnings from equity investments			4,620					1,947				—				2,673
Minority interest			(447	)				1,355				—				(1,802	)
Net earnings (loss)		$	174,706				$	170,252			$	31,507			$	(27,053	)
Open orders			1,797,800					1,797,800				—				—
Closed orders			1,138,200					1,138,200				—				—

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

		September 30,				December 31,
		2008				2007
		(Unaudited)
Cash and investment portfolio		$	4,196,274			$	4,671,383
Goodwill			1,351,106				1,339,705
Title Plant			342,599				331,888
Total assets			7,313,864				7,587,853
Notes payable			1,356,023				1,167,739
Reserve for claim losses			1,634,557				1,419,910
Secured trust deposits			589,476				689,935
Total stockholders’ equity			2,820,748				3,244,088
Book value per share			13.36				15.23

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