WallStSmart

Bread Financial Holdings, Inc. (BFH)vsBerkshire Hathaway Inc (BRK-A)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 14098% more annual revenue ($375.39B vs $2.64B). BFH leads profitability with a 21.2% profit margin vs 19.3%. BFH appears more attractively valued with a PEG of 2.40. BFH earns a higher WallStSmart Score of 78/100 (B+).

BFH

Strong Buy

78

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 6.3Quality: 4.3
Piotroski: 5/9Altman Z: -0.08

BRK-A

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BFH5 strengths · Avg: 9.4/10
P/E RatioValuation
8.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
34.0%10/10

Strong operational efficiency at 34.0%

Profit MarginProfitability
21.2%9/10

Keeps 21 of every $100 in revenue as profit

EPS GrowthGrowth
49.3%8/10

Earnings expanding 49.3% YoY

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.02T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.0x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

Areas to Watch

BFH3 concerns · Avg: 3.0/10
PEG RatioValuation
2.404/10

Expensive relative to growth rate

Debt/EquityHealth
1.173/10

Elevated debt levels

Altman Z-ScoreHealth
-0.082/10

Distress zone — elevated risk

BRK-A2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

PEG RatioValuation
9.682/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : BFH

The strongest argument for BFH centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.2% and operating margin at 34.0%.

Bull Case : BRK-A

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

Bear Case : BFH

The primary concerns for BFH are PEG Ratio, Debt/Equity, Altman Z-Score.

Bear Case : BRK-A

The primary concerns for BRK-A are Revenue Growth, PEG Ratio.

Key Dynamics to Monitor

BFH profiles as a mature stock while BRK-A is a value play — different risk/reward profiles.

BFH carries more volatility with a beta of 1.17 — expect wider price swings.

BFH is growing revenue faster at 6.1% — sustainability is the question.

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

Bottom Line

BFH scores higher overall (78/100 vs 61/100), backed by strong 21.2% margins. Both earn "Strong 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.

Bread Financial Holdings, Inc.

FINANCIAL SERVICES · CREDIT SERVICES · USA

Bread Financial Holdings Inc. provides lending and payment technology solutions to customers and consumer-based industries in North America. The company is headquartered in Columbus, Ohio.

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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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