WallStSmart

Berkshire Hathaway Inc (BRK-B)vsEssent Group Ltd (ESNT)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 29671% more annual revenue ($375.39B vs $1.26B). ESNT leads profitability with a 54.7% profit margin vs 19.3%. ESNT appears more attractively valued with a PEG of 0.84. ESNT earns a higher WallStSmart Score of 67/100 (B-).

BRK-B

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

ESNT

Strong Buy

67

out of 100

Grade: B-

Growth: 4.0Profit: 8.0Value: 7.7Quality: 5.3
Piotroski: 2/9Altman Z: 3.68

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.02T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

ESNT6 strengths · Avg: 9.7/10
P/E RatioValuation
8.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
54.7%10/10

Keeps 55 of every $100 in revenue as profit

Operating MarginProfitability
61.7%10/10

Strong operational efficiency at 61.7%

Altman Z-ScoreHealth
3.6810/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.848/10

Growing faster than its price suggests

Areas to Watch

BRK-B3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

ESNT3 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.9%4/10

0.9% earnings growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-0.8%2/10

Revenue declined 0.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-B

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

Bull Case : ESNT

The strongest argument for ESNT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 54.7% and operating margin at 61.7%. PEG of 0.84 suggests the stock is reasonably priced for its growth.

Bear Case : BRK-B

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

Bear Case : ESNT

The primary concerns for ESNT are EPS Growth, Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

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

ESNT carries more volatility with a beta of 0.87 — expect wider price swings.

BRK-B is growing revenue faster at 4.4% — sustainability is the question.

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

Bottom Line

ESNT scores higher overall (67/100 vs 62/100), backed by strong 54.7% 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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Essent Group Ltd

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

Essent Group Ltd., provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. The company is headquartered in Hamilton, Bermuda.

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