Berkshire Hathaway Inc (BRK-A)vsCitizens Inc (CIA)
BRK-A
Berkshire Hathaway Inc
$712,064.33
-0.13%
FINANCIAL SERVICES · Cap: $1.01T
CIA
Citizens Inc
$5.40
-2.35%
FINANCIAL SERVICES · Cap: $287.21M
Smart Verdict
WallStSmart Research — data-driven comparison
Berkshire Hathaway Inc generates 145213% more annual revenue ($371.44B vs $255.62M). BRK-A leads profitability with a 18.0% profit margin vs 5.7%. CIA appears more attractively valued with a PEG of 1.21. CIA earns a higher WallStSmart Score of 60/100 (C+).
BRK-A
Buy53
out of 100
Grade: C-
CIA
Buy60
out of 100
Grade: C+
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
Reasonable price relative to book value
Earnings expanding 99.5% YoY
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Revenue declined 0.7%
Earnings declined 2.5%
Smaller company, higher risk/reward
ROE of 6.5% — below average capital efficiency
5.7% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : BRK-A
The strongest argument for BRK-A centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 18.0% and operating margin at 33.0%.
Bull Case : CIA
The strongest argument for CIA centers on Price/Book, EPS Growth. Revenue growth of 13.5% demonstrates continued momentum. PEG of 1.21 suggests the stock is reasonably priced for its growth.
Bear Case : BRK-A
The primary concerns for BRK-A are Piotroski F-Score, PEG Ratio, Revenue Growth.
Bear Case : CIA
The primary concerns for CIA are Market Cap, Return on Equity, Profit Margin.
Key Dynamics to Monitor
BRK-A profiles as a declining stock while CIA is a value play — different risk/reward profiles.
BRK-A carries more volatility with a beta of 0.70 — expect wider price swings.
CIA is growing revenue faster at 13.5% — sustainability is the question.
BRK-A generates stronger free cash flow (5.0B), providing more financial flexibility.
Bottom Line
CIA scores higher overall (60/100 vs 53/100) and 13.5% 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%).
Visit Website →Citizens Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Citizens, Inc., offers life insurance products in the United States and internationally. The company is headquartered in Austin, Texas.
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