WallStSmart

American Coastal Insurance Corp (ACIC)vsBerkshire Hathaway Inc (BRK-B)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 112138% more annual revenue ($375.39B vs $334.46M). ACIC leads profitability with a 31.3% profit margin vs 19.3%. ACIC appears more attractively valued with a PEG of 3.21. BRK-B earns a higher WallStSmart Score of 62/100 (C+).

ACIC

Buy

60

out of 100

Grade: C+

Growth: 4.0Profit: 9.5Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 1.03

BRK-B

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACIC5 strengths · Avg: 9.6/10
P/E RatioValuation
4.8x10/10

Attractively priced relative to earnings

Return on EquityProfitability
31.6%10/10

Every $100 of equity generates 32 in profit

Profit MarginProfitability
31.3%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
39.2%10/10

Strong operational efficiency at 39.2%

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

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

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.6x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

Areas to Watch

ACIC4 concerns · Avg: 2.3/10
Market CapQuality
$493.85M3/10

Smaller company, higher risk/reward

PEG RatioValuation
3.212/10

Expensive relative to growth rate

Revenue GrowthGrowth
-1.4%2/10

Revenue declined 1.4%

EPS GrowthGrowth
-9.9%2/10

Earnings declined 9.9%

BRK-B3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : ACIC

The strongest argument for ACIC centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 31.3% and operating margin at 39.2%.

Bull Case : BRK-B

The strongest argument for BRK-B centers on Market Cap, Price/Book, EPS Growth. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bear Case : ACIC

The primary concerns for ACIC are Market Cap, PEG Ratio, Revenue Growth.

Bear Case : BRK-B

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

Key Dynamics to Monitor

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

BRK-B carries more volatility with a beta of 0.61 — expect wider price swings.

BRK-B is growing revenue faster at 4.4% — sustainability is the question.

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

Bottom Line

BRK-B scores higher overall (62/100 vs 60/100), 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.

American Coastal Insurance Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Atlas Crest Investment Corp. The company is headquartered in New York, New York.

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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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