WallStSmart

Berkshire Hathaway Inc (BRK-A)vsInternational General Insurance Holdings Ltd (IGIC)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 71760% more annual revenue ($371.44B vs $516.90M). IGIC leads profitability with a 24.6% profit margin vs 18.0%. IGIC trades at a lower P/E of 7.8x. IGIC earns a higher WallStSmart Score of 61/100 (C+).

BRK-A

Buy

53

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 4.7Quality: 8.0
Piotroski: 3/9Altman Z: 2.46

IGIC

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 8.0Value: 8.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BRK-ASignificantly Overvalued (-134.1%)

Margin of Safety

-134.1%

Fair Value

$316589.98

Current Price

$718250.00

$401660.02 premium

UndervaluedFair: $316589.98Overvalued
IGICUndervalued (+73.8%)

Margin of Safety

+73.8%

Fair Value

$95.49

Current Price

$23.57

$71.92 discount

UndervaluedFair: $95.49Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.04T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.4x10/10

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
15.5x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$4.99B8/10

Generating 5.0B in free cash flow

IGIC4 strengths · Avg: 9.3/10
P/E RatioValuation
7.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.6%9/10

Keeps 25 of every $100 in revenue as profit

Operating MarginProfitability
26.7%8/10

Strong operational efficiency at 26.7%

Areas to Watch

BRK-A4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
9.682/10

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%

IGIC2 concerns · Avg: 2.5/10
Market CapQuality
$971.08M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-6.5%2/10

Revenue declined 6.5%

Comparative Analysis Report

WallStSmart Research

Bull 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 : IGIC

The strongest argument for IGIC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.6% and operating margin at 26.7%.

Bear Case : BRK-A

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

Bear Case : IGIC

The primary concerns for IGIC are Market Cap, Revenue Growth.

Key Dynamics to Monitor

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

BRK-A is growing revenue faster at -0.7% — sustainability is the question.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

IGIC scores higher overall (61/100 vs 53/100), backed by strong 24.6% 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.

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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International General Insurance Holdings Ltd

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

International General Insurance Holdings Ltd. provides specialized insurance and reinsurance solutions globally. The company is headquartered in Amman, Jordan.

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