WallStSmart

Berkshire Hathaway Inc (BRK-A)vsHCI Group Inc (HCI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 40378% more annual revenue ($375.39B vs $927.39M). HCI leads profitability with a 32.6% profit margin vs 19.3%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 77/100 (B+).

BRK-A

Buy

59

out of 100

Grade: C

Growth: 6.7Profit: 6.5Value: 5.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.46

HCI

Strong Buy

77

out of 100

Grade: B+

Growth: 6.7Profit: 9.5Value: 7.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.03T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

HCI6 strengths · Avg: 9.3/10
P/E RatioValuation
6.5x10/10

Attractively priced relative to earnings

Return on EquityProfitability
38.5%10/10

Every $100 of equity generates 39 in profit

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
47.9%10/10

Strong operational efficiency at 47.9%

PEG RatioValuation
0.978/10

Growing faster than its price suggests

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

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

4.4% revenue growth

PEG RatioValuation
9.952/10

Expensive relative to growth rate

HCI2 concerns · Avg: 3.5/10
EPS GrowthGrowth
1.7%4/10

1.7% earnings growth

Market CapQuality
$1.90B3/10

Smaller company, higher risk/reward

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 : HCI

The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 32.6% and operating margin at 47.9%. Revenue growth of 12.2% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : HCI

The primary concerns for HCI are EPS Growth, Market Cap.

Key Dynamics to Monitor

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

HCI carries more volatility with a beta of 1.09 — expect wider price swings.

HCI is growing revenue faster at 12.2% — sustainability is the question.

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

Bottom Line

HCI scores higher overall (77/100 vs 59/100), backed by strong 32.6% margins and 12.2% 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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HCI Group Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.

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