WallStSmart

Berkshire Hathaway Inc (BRK-A)vsEnova International Inc (ENVA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 23656% more annual revenue ($375.39B vs $1.58B). ENVA leads profitability with a 20.7% profit margin vs 19.3%. BRK-A trades at a lower P/E of 14.0x. ENVA earns a higher WallStSmart Score of 69/100 (B-).

BRK-A

Buy

61

out of 100

Grade: C+

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

ENVA

Strong Buy

69

out of 100

Grade: B-

Growth: 8.7Profit: 8.0Value: 6.0Quality: 3.5
Piotroski: 4/9Altman Z: 1.28

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

ENVA6 strengths · Avg: 8.3/10
Return on EquityProfitability
23.3%9/10

Every $100 of equity generates 23 in profit

Profit MarginProfitability
20.7%9/10

Keeps 21 of every $100 in revenue as profit

P/E RatioValuation
15.4x8/10

Attractively priced relative to earnings

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Revenue GrowthGrowth
25.8%8/10

Revenue surging 25.8% year-over-year

EPS GrowthGrowth
28.6%8/10

Earnings expanding 28.6% YoY

Areas to Watch

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

ENVA2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
1.282/10

Distress zone — elevated risk

Debt/EquityHealth
3.471/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-A

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

Bull Case : ENVA

The strongest argument for ENVA centers on Return on Equity, Profit Margin, P/E Ratio. Profitability is solid with margins at 20.7% and operating margin at 26.6%. Revenue growth of 25.8% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : ENVA

The primary concerns for ENVA are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.47 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

ENVA carries more volatility with a beta of 1.30 — expect wider price swings.

ENVA is growing revenue faster at 25.8% — sustainability is the question.

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

Bottom Line

ENVA scores higher overall (69/100 vs 61/100), backed by strong 20.7% margins and 25.8% revenue growth. 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.

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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Enova International Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

Enova International, Inc., a technology and analytics company, offers online financial services in the United States, Brazil, Australia, and Canada. The company is headquartered in Chicago, Illinois.

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