WallStSmart

Berkshire Hathaway Inc (BRK-A)vsLendingClub Corp (LC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 27258% more annual revenue ($375.39B vs $1.37B). BRK-A leads profitability with a 19.3% profit margin vs 12.8%. LC trades at a lower P/E of 12.0x. LC earns a higher WallStSmart Score of 68/100 (B-).

BRK-A

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.59

LC

Strong Buy

68

out of 100

Grade: B-

Growth: 6.7Profit: 6.0Value: 6.0Quality: 5.0
Piotroski: 4/9Altman Z: -0.66

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.02T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.0x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

LC5 strengths · Avg: 9.2/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
340.0%10/10

Earnings expanding 340.0% YoY

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.0x8/10

Attractively priced relative to earnings

Operating MarginProfitability
20.0%8/10

Strong operational efficiency at 20.0%

Areas to Watch

BRK-A2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

PEG RatioValuation
9.682/10

Expensive relative to growth rate

LC2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-644.77M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.662/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-A

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

Bull Case : LC

The strongest argument for LC centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 12.5% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : LC

The primary concerns for LC are Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

LC carries more volatility with a beta of 1.97 — expect wider price swings.

LC is growing revenue faster at 12.5% — sustainability is the question.

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

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

Bottom Line

LC scores higher overall (68/100 vs 61/100) and 12.5% 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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LendingClub Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

LendingClub Corporation, is a banking holding company for LendingClub Bank, a National Association that offers a range of financial products and services through a technology-driven platform in the United States. The company is headquartered in San Francisco, California.

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