WallStSmart

Berkshire Hathaway Inc (BRK-B)vsSezzle Inc. (SEZL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 82392% more annual revenue ($371.44B vs $450.28M). SEZL leads profitability with a 29.6% profit margin vs 18.0%. SEZL appears more attractively valued with a PEG of 0.07. SEZL earns a higher WallStSmart Score of 77/100 (B+).

BRK-B

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.60

SEZL

Strong Buy

77

out of 100

Grade: B+

Growth: 10.0Profit: 10.0Value: 7.0Quality: 8.3
Piotroski: 6/9Altman Z: 3.90

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.03T10/10

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
0.199/10

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

SEZL6 strengths · Avg: 10.0/10
PEG RatioValuation
0.0710/10

Growing faster than its price suggests

Return on EquityProfitability
103.3%10/10

Every $100 of equity generates 103 in profit

Operating MarginProfitability
60.8%10/10

Strong operational efficiency at 60.8%

Revenue GrowthGrowth
32.2%10/10

Revenue surging 32.2% year-over-year

EPS GrowthGrowth
66.8%10/10

Earnings expanding 66.8% YoY

Altman Z-ScoreHealth
3.9010/10

Safe zone — low bankruptcy risk

Areas to Watch

BRK-B4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

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%

SEZL1 concerns · Avg: 4.0/10
Price/BookValuation
15.9x4/10

Trading at 15.9x book value

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 : SEZL

The strongest argument for SEZL centers on PEG Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 60.8%. Revenue growth of 32.2% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : SEZL

The primary concerns for SEZL are Price/Book.

Key Dynamics to Monitor

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

SEZL carries more volatility with a beta of 8.18 — expect wider price swings.

SEZL is growing revenue faster at 32.2% — sustainability is the question.

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

Bottom Line

SEZL scores higher overall (77/100 vs 54/100), backed by strong 29.6% margins and 32.2% 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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Sezzle Inc.

FINANCIAL SERVICES · CREDIT SERVICES · USA

Sezzle Inc. is a technology-enabled payments company primarily in the United States and Canada. The company is headquartered in Minneapolis, Minnesota.

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