WallStSmart

Berkshire Hathaway Inc (BRK-A)vsING Group NV ADR (ING)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 1419% more annual revenue ($371.44B vs $24.46B). ING leads profitability with a 34.0% profit margin vs 18.0%. ING appears more attractively valued with a PEG of 1.56. ING earns a higher WallStSmart Score of 79/100 (B+).

BRK-A

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.46

ING

Strong Buy

79

out of 100

Grade: B+

Growth: 8.7Profit: 8.0Value: 6.3Quality: 3.3
Piotroski: 3/9

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
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.0%10/10

Strong operational efficiency at 33.0%

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$4.99B8/10

Generating 5.0B in free cash flow

ING6 strengths · Avg: 10.0/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
34.0%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
62.8%10/10

Strong operational efficiency at 62.8%

Revenue GrowthGrowth
118.2%10/10

Revenue surging 118.2% year-over-year

EPS GrowthGrowth
3978.0%10/10

Earnings expanding 3978.0% YoY

Areas to Watch

BRK-A4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
9.682/10

Expensive relative to growth rate

Revenue GrowthGrowth
-0.7%2/10

Revenue declined 0.7%

EPS GrowthGrowth
-2.5%2/10

Earnings declined 2.5%

ING4 concerns · Avg: 2.5/10
PEG RatioValuation
1.564/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-6.73B2/10

Negative free cash flow — burning cash

Debt/EquityHealth
3.411/10

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 18.0% and operating margin at 33.0%.

Bull Case : ING

The strongest argument for ING centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.0% and operating margin at 62.8%. Revenue growth of 118.2% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : ING

The primary concerns for ING are PEG Ratio, Piotroski F-Score, Free Cash Flow. Debt-to-equity of 3.41 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

ING carries more volatility with a beta of 0.87 — expect wider price swings.

ING is growing revenue faster at 118.2% — sustainability is the question.

BRK-A generates stronger free cash flow (5.0B), providing more financial flexibility.

Bottom Line

ING scores higher overall (79/100 vs 51/100), backed by strong 34.0% margins and 118.2% 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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ING Group NV ADR

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

ING Groep NV, a financial institution, offers various banking products and services to individuals, small and medium-sized businesses and medium-sized businesses. The company is headquartered in Amsterdam, the Netherlands.

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