Fitch Ratings’ 2009 U.S. title insurance industry’s risk-adjusted capital (RAC) ratio of
133% was a significant improvement over the 2008 RAC ratio of 105%. However, from a
historical perspective, 2009’s ratio is the second lowest since Fitch began calculating
the ratio in 1997. Fitch calculates the industry RAC ratio on a weighted average basis,
thus Fidelity National Financial, Inc. (Fidelity) and First American Financial Corp (First
American), whose market shares are 42% and 27%, respectively, have a great influence
on the industry ratio.
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Continuing Ed for Title Agents
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