Berkshire Hathaway Inc (BRK-B)vsExzeo Group, Inc. (XZO)
BRK-B
Berkshire Hathaway Inc
$479.33
-0.14%
FINANCIAL SERVICES · Cap: $1.04T
XZO
Exzeo Group, Inc.
$14.54
-1.82%
FINANCIAL SERVICES · Cap: $1.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Berkshire Hathaway Inc generates 167760% more annual revenue ($371.44B vs $221.28M). XZO leads profitability with a 37.4% profit margin vs 18.0%. XZO trades at a lower P/E of 14.7x. XZO earns a higher WallStSmart Score of 61/100 (C+).
BRK-B
Buy54
out of 100
Grade: C-
XZO
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-134.4%
Fair Value
$210.94
Current Price
$479.33
$268.39 premium
Margin of Safety
+65.9%
Fair Value
$46.33
Current Price
$14.54
$31.79 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 33.0%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Generating 5.0B in free cash flow
Every $100 of equity generates 61 in profit
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 52.1%
Earnings expanding 71.4% YoY
Attractively priced relative to earnings
Revenue surging 23.7% year-over-year
Areas to Watch
Expensive relative to growth rate
Revenue declined 0.7%
Earnings declined 2.5%
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull 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 : XZO
The strongest argument for XZO centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 37.4% and operating margin at 52.1%. Revenue growth of 23.7% demonstrates continued momentum.
Bear Case : BRK-B
The primary concerns for BRK-B are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : XZO
The primary concerns for XZO are Market Cap.
Key Dynamics to Monitor
BRK-B profiles as a declining stock while XZO is a growth play — different risk/reward profiles.
XZO is growing revenue faster at 23.7% — sustainability is the question.
BRK-B generates stronger free cash flow (5.0B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
XZO scores higher overall (61/100 vs 54/100), backed by strong 37.4% margins and 23.7% 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%).
Exzeo Group, Inc.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Exzeo Group, Inc. provides turnkey insurance technology and operations solutions to insurance carriers and agents. The company is headquartered in Tampa, Florida.
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