WallStSmart

Berkshire Hathaway Inc (BRK-B)vsDonegal Group A Inc (DGICA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 37879% more annual revenue ($371.44B vs $978.01M). BRK-B leads profitability with a 18.0% profit margin vs 8.1%. DGICA appears more attractively valued with a PEG of 1.38. BRK-B earns a higher WallStSmart Score of 54/100 (C-).

BRK-B

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.60

DGICA

Buy

53

out of 100

Grade: C-

Growth: 2.7Profit: 5.5Value: 7.0Quality: 6.0
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.03T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.0%10/10

Strong operational efficiency at 33.0%

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$4.99B8/10

Generating 5.0B in free cash flow

DGICA3 strengths · Avg: 10.0/10
P/E RatioValuation
8.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0510/10

Conservative balance sheet, low leverage

Areas to Watch

BRK-B4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

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%

DGICA4 concerns · Avg: 2.5/10
Market CapQuality
$656.06M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-3.9%2/10

Revenue declined 3.9%

EPS GrowthGrowth
-33.3%2/10

Earnings declined 33.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-B

The strongest argument for BRK-B centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 18.0% and operating margin at 33.0%.

Bull Case : DGICA

The strongest argument for DGICA centers on P/E Ratio, Price/Book, Debt/Equity. PEG of 1.38 suggests the stock is reasonably priced for its growth.

Bear Case : BRK-B

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

Bear Case : DGICA

The primary concerns for DGICA are Market Cap, Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

BRK-B profiles as a declining stock while DGICA is a value play — different risk/reward profiles.

BRK-B carries more volatility with a beta of 0.70 — expect wider price swings.

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

BRK-B generates stronger free cash flow (5.0B), providing more financial flexibility.

Bottom Line

BRK-B scores higher overall (54/100 vs 53/100), backed by strong 18.0% 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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Donegal Group A Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Donegal Group Inc., an insurance company, offers personal and commercial property and casualty lines of insurance to businesses and individuals in the Mid-Atlantic, Midwest, New England and southern states. The company is headquartered in Marietta, Pennsylvania.

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