WallStSmart

Berkshire Hathaway Inc (BRK-A)vsCitigroup Inc. (C)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 371% more annual revenue ($384.69B vs $81.71B). BRK-A leads profitability with a 22.3% profit margin vs 21.8%. C appears more attractively valued with a PEG of 0.63. C earns a higher WallStSmart Score of 82/100 (A-).

BRK-A

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.59

C

Exceptional Buy

82

out of 100

Grade: A-

Growth: 8.7Profit: 7.0Value: 7.0Quality: 3.0
Piotroski: 4/9Altman Z: -0.10

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.7/10
Market CapQuality
$1.09T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

EPS GrowthGrowth
107.8%10/10

Earnings expanding 107.8% YoY

Profit MarginProfitability
22.3%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

C6 strengths · Avg: 9.5/10
Market CapQuality
$232.86B10/10

Mega-cap, among the largest globally

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.2%10/10

Strong operational efficiency at 36.2%

EPS GrowthGrowth
61.0%10/10

Earnings expanding 61.0% YoY

Profit MarginProfitability
21.8%9/10

Keeps 22 of every $100 in revenue as profit

PEG RatioValuation
0.638/10

Growing faster than its price suggests

Areas to Watch

BRK-A1 concerns · Avg: 2.0/10
PEG RatioValuation
9.682/10

Expensive relative to growth rate

C3 concerns · Avg: 1.7/10
Free Cash FlowQuality
$-25.63B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.102/10

Distress zone — elevated risk

Debt/EquityHealth
3.841/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.6%.

Bull Case : C

The strongest argument for C centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 21.8% and operating margin at 36.2%. Revenue growth of 15.5% demonstrates continued momentum.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : C

The primary concerns for C are Free Cash Flow, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.84 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

C carries more volatility with a beta of 1.10 — expect wider price swings.

C is growing revenue faster at 15.5% — sustainability is the question.

BRK-A generates stronger free cash flow (5.6B), providing more financial flexibility.

Bottom Line

C scores higher overall (82/100 vs 74/100), backed by strong 21.8% margins and 15.5% revenue growth. Both earn "Exceptional Buy" and "Strong 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.

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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Citigroup Inc.

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.

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