WallStSmart

Berkshire Hathaway Inc (BRK-A)vsKestrel Group, Ltd. (KG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 1090810% more annual revenue ($371.44B vs $34.05M). KG leads profitability with a 137.2% profit margin vs 18.0%. KG trades at a lower P/E of 1.2x. KG earns a higher WallStSmart Score of 62/100 (C+).

BRK-A

Buy

51

out of 100

Grade: C-

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

KG

Buy

62

out of 100

Grade: C+

Growth: 5.3Profit: 6.5Value: 6.7Quality: 4.5
Piotroski: 6/9Altman Z: -155.06

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

KG5 strengths · Avg: 10.0/10
P/E RatioValuation
1.2x10/10

Attractively priced relative to earnings

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Return on EquityProfitability
74.6%10/10

Every $100 of equity generates 75 in profit

Profit MarginProfitability
137.2%10/10

Keeps 137 of every $100 in revenue as profit

Revenue GrowthGrowth
737.0%10/10

Revenue surging 737.0% year-over-year

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%

KG4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$94.39M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.213/10

Elevated debt levels

Free Cash FlowQuality
$-67.67M2/10

Negative free cash flow — burning cash

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 : KG

The strongest argument for KG centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 137.2% and operating margin at -28.7%. Revenue growth of 737.0% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : KG

The primary concerns for KG are EPS Growth, Market Cap, Debt/Equity.

Key Dynamics to Monitor

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

KG is growing revenue faster at 737.0% — sustainability is the question.

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

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

KG scores higher overall (62/100 vs 51/100), backed by strong 137.2% margins and 737.0% revenue growth. Both earn "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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Kestrel Group, Ltd.

FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA

Kestrel Group Ltd engages in providing fronting services to insurance program managers, MGAs, reinsurers, and reinsurance brokers. The company is headquartered in Hamilton, Bermuda.

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