WallStSmart

Berkshire Hathaway Inc (BRK-B)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 1209% more annual revenue ($371.44B vs $28.38B). BRK-B leads profitability with a 18.0% profit margin vs 13.5%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 81/100 (A-).

BRK-B

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 4.7Quality: 8.5
Piotroski: 4/9Altman Z: 2.49

HIG

Exceptional Buy

81

out of 100

Grade: A-

Growth: 7.3Profit: 7.0Value: 10.0Quality: 8.3
Piotroski: 6/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BRK-BSignificantly Overvalued (-134.4%)

Margin of Safety

-134.4%

Fair Value

$211.00

Current Price

$480.94

$269.94 premium

UndervaluedFair: $211.00Overvalued
HIGUndervalued (+77.4%)

Margin of Safety

+77.4%

Fair Value

$629.46

Current Price

$132.65

$496.81 discount

UndervaluedFair: $629.46Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.06T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

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
15.9x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$4.99B8/10

Generating 5.0B in free cash flow

HIG6 strengths · Avg: 9.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
9.9x10/10

Attractively priced relative to earnings

Return on EquityProfitability
21.7%9/10

Every $100 of equity generates 22 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Operating MarginProfitability
20.0%8/10

Strong operational efficiency at 20.0%

Areas to Watch

BRK-B3 concerns · Avg: 2.0/10
PEG RatioValuation
10.062/10

Expensive relative to growth rate

Revenue GrowthGrowth
-70.0%2/10

Revenue declined 70.0%

EPS GrowthGrowth
-2.5%2/10

Earnings declined 2.5%

HIG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-B

The strongest argument for BRK-B centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 18.0% and operating margin at 33.0%.

Bull Case : HIG

The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.

Bear Case : BRK-B

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

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Key Dynamics to Monitor

BRK-B profiles as a declining stock while HIG is a value play — different risk/reward profiles.

BRK-B carries more volatility with a beta of 0.69 — expect wider price swings.

HIG is growing revenue faster at 6.7% — sustainability is the question.

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

Bottom Line

HIG scores higher overall (81/100 vs 54/100). Both earn "Exceptional 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%).

Hartford Financial Services Group

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.

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