WallStSmart

Berkshire Hathaway Inc (BRK-A)vsTFS Financial Corporation (TFSL)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 110688% more annual revenue ($384.69B vs $347.23M). TFSL leads profitability with a 29.4% profit margin vs 22.3%. BRK-A appears more attractively valued with a PEG of 9.68. 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

TFSL

Buy

64

out of 100

Grade: C+

Growth: 9.3Profit: 7.0Value: 3.7Quality: 3.0
Piotroski: 4/9Altman Z: -0.46

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

TFSL5 strengths · Avg: 8.6/10
Operating MarginProfitability
45.4%10/10

Strong operational efficiency at 45.4%

Profit MarginProfitability
29.4%9/10

Keeps 29 of every $100 in revenue as profit

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.2%8/10

15.2% revenue growth

EPS GrowthGrowth
42.5%8/10

Earnings expanding 42.5% YoY

Areas to Watch

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

Expensive relative to growth rate

TFSL4 concerns · Avg: 2.3/10
Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

PEG RatioValuation
72.622/10

Expensive relative to growth rate

P/E RatioValuation
47.3x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
-0.462/10

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, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.6%.

Bull Case : TFSL

The strongest argument for TFSL centers on Operating Margin, Profit Margin, Price/Book. Profitability is solid with margins at 29.4% and operating margin at 45.4%. Revenue growth of 15.2% demonstrates continued momentum.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : TFSL

The primary concerns for TFSL are Return on Equity, PEG Ratio, P/E Ratio. A P/E of 47.3x leaves little room for execution misses. Debt-to-equity of 2.97 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

TFSL carries more volatility with a beta of 0.73 — expect wider price swings.

TFSL is growing revenue faster at 15.2% — 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 64/100), backed by strong 22.3% margins. 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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TFS Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

TFS Financial Corporation, provides retail banking services for consumers in the United States.

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