WallStSmart

Aflac Incorporated (AFL)vsBerkshire Hathaway Inc (BRK-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 1973% more annual revenue ($375.39B vs $18.11B). AFL leads profitability with a 25.6% profit margin vs 19.3%. AFL appears more attractively valued with a PEG of 1.18. AFL earns a higher WallStSmart Score of 81/100 (A-).

AFL

Exceptional Buy

81

out of 100

Grade: A-

Growth: 6.7Profit: 8.5Value: 6.3Quality: 5.5
Piotroski: 3/9

BRK-B

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AFL6 strengths · Avg: 8.8/10
EPS GrowthGrowth
3860.0%10/10

Earnings expanding 3860.0% YoY

Market CapQuality
$57.84B9/10

Large-cap with strong market position

Return on EquityProfitability
20.7%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
25.6%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
13.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.02T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

Areas to Watch

AFL1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

BRK-B3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : AFL

The strongest argument for AFL centers on EPS Growth, Market Cap, Return on Equity. Profitability is solid with margins at 25.6% and operating margin at 29.6%. Revenue growth of 27.9% demonstrates continued momentum.

Bull Case : BRK-B

The strongest argument for BRK-B centers on Market Cap, Price/Book, EPS Growth. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bear Case : AFL

The primary concerns for AFL are Piotroski F-Score.

Bear Case : BRK-B

The primary concerns for BRK-B are Revenue Growth, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

AFL profiles as a growth stock while BRK-B is a value play — different risk/reward profiles.

BRK-B carries more volatility with a beta of 0.62 — expect wider price swings.

AFL is growing revenue faster at 27.9% — sustainability is the question.

BRK-B generates stronger free cash flow (5.5B), providing more financial flexibility.

Bottom Line

AFL scores higher overall (81/100 vs 62/100), backed by strong 25.6% margins and 27.9% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Aflac Incorporated

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Aflac Inc. (American Family Life Assurance Company) is an American insurance company and is the largest provider of supplemental insurance in the United States.

Berkshire Hathaway Inc

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Berkshire Hathaway Inc. is an American multinational conglomerate holding company headquartered in Omaha, Nebraska, United States. The company wholly owns GEICO, Duracell, Dairy Queen, BNSF, Lubrizol, Fruit of the Loom, Helzberg Diamonds, Long & Foster, FlightSafety International, Pampered Chef, Forest River, and NetJets, and also owns 38.6% of Pilot Flying J; and significant minority holdings in public companies Kraft Heinz Company (26.7%), American Express (18.8%), The Coca-Cola Company (9.32%), Bank of America (11.9%), and Apple (6.3%).

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