WallStSmart

Berkshire Hathaway Inc (BRK-A)vsPalomar Holdings Inc (PLMR)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 35148% more annual revenue ($384.69B vs $1.09B). BRK-A leads profitability with a 22.3% profit margin vs 18.6%. BRK-A trades at a lower P/E of 12.8x. BRK-A earns a higher WallStSmart Score of 74/100 (B).

BRK-A

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.59

PLMR

Strong Buy

66

out of 100

Grade: B-

Growth: 9.3Profit: 7.5Value: 6.0Quality: 5.3
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.7/10
Market CapQuality
$1.09T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

EPS GrowthGrowth
107.8%10/10

Earnings expanding 107.8% YoY

Profit MarginProfitability
22.3%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

PLMR4 strengths · Avg: 8.8/10
Revenue GrowthGrowth
54.7%10/10

Revenue surging 54.7% year-over-year

Return on EquityProfitability
20.6%9/10

Every $100 of equity generates 21 in profit

P/E RatioValuation
17.9x8/10

Attractively priced relative to earnings

Operating MarginProfitability
23.8%8/10

Strong operational efficiency at 23.8%

Areas to Watch

BRK-A1 concerns · Avg: 2.0/10
PEG RatioValuation
9.682/10

Expensive relative to growth rate

PLMR0 concerns · Avg: 0/10

No major concerns identified

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 22.3% and operating margin at 32.6%.

Bull Case : PLMR

The strongest argument for PLMR centers on Revenue Growth, Return on Equity, P/E Ratio. Profitability is solid with margins at 18.6% and operating margin at 23.8%. Revenue growth of 54.7% demonstrates continued momentum.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : PLMR

No major red flags identified for PLMR, but monitor valuation.

Key Dynamics to Monitor

BRK-A profiles as a mature stock while PLMR is a growth play — different risk/reward profiles.

BRK-A carries more volatility with a beta of 0.60 — expect wider price swings.

PLMR is growing revenue faster at 54.7% — sustainability is the question.

BRK-A generates stronger free cash flow (5.6B), providing more financial flexibility.

Bottom Line

BRK-A scores higher overall (74/100 vs 66/100), backed by strong 22.3% margins. Both earn "Strong Buy" and "Strong 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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Palomar Holdings Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Palomar Holdings, Inc., an insurance holding company, offers specialized property insurance to residential and commercial clients. The company is headquartered in La Jolla, California.

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