WallStSmart

Berkshire Hathaway Inc (BRK-A)vsSafety Insurance Group Inc (SAFT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 29297% more annual revenue ($375.39B vs $1.28B). BRK-A leads profitability with a 19.3% profit margin vs 4.9%. SAFT appears more attractively valued with a PEG of 0.95. SAFT earns a higher WallStSmart Score of 61/100 (C+).

BRK-A

Buy

61

out of 100

Grade: C+

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

SAFT

Buy

61

out of 100

Grade: C+

Growth: 7.3Profit: 3.5Value: 7.0Quality: 7.5
Piotroski: 4/9Altman Z: 1.37

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.07T10/10

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
14.7x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

SAFT5 strengths · Avg: 9.2/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
153.2%10/10

Earnings expanding 153.2% YoY

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.958/10

Growing faster than its price suggests

P/E RatioValuation
17.0x8/10

Attractively priced relative to earnings

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

SAFT4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Market CapQuality
$1.05B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.4%3/10

ROE of 7.4% — below average capital efficiency

Profit MarginProfitability
4.9%3/10

4.9% margin — thin

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 : SAFT

The strongest argument for SAFT centers on Price/Book, EPS Growth, Debt/Equity. PEG of 0.95 suggests the stock is reasonably priced for its growth.

Bear Case : BRK-A

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

Bear Case : SAFT

The primary concerns for SAFT are Revenue Growth, Market Cap, Return on Equity. Thin 4.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

BRK-A carries more volatility with a beta of 0.62 — expect wider price swings.

SAFT is growing revenue faster at 4.4% — sustainability is the question.

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

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

Bottom Line

BRK-A scores higher overall (61/100 vs 61/100), backed by strong 19.3% margins. 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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Safety Insurance Group Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Safety Insurance Group, Inc. offers private passenger and commercial auto and homeowners insurance in the United States. The company is headquartered in Boston, Massachusetts.

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