WallStSmart

Berkshire Hathaway Inc (BRK-B)vsING Group NV ADR (ING)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 1425% more annual revenue ($375.39B vs $24.61B). ING leads profitability with a 34.2% profit margin vs 19.3%. ING appears more attractively valued with a PEG of 2.00. ING 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

ING

Strong Buy

67

out of 100

Grade: B-

Growth: 5.3Profit: 7.5Value: 5.7Quality: 3.3
Piotroski: 3/9

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
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

ING5 strengths · Avg: 9.4/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
34.2%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
41.7%10/10

Strong operational efficiency at 41.7%

Market CapQuality
$88.96B9/10

Large-cap with strong market position

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

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

ING4 concerns · Avg: 3.0/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

Revenue GrowthGrowth
2.9%4/10

2.9% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Debt/EquityHealth
3.601/10

Elevated debt levels

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 : ING

The strongest argument for ING centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.2% and operating margin at 41.7%.

Bear Case : BRK-B

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

Bear Case : ING

The primary concerns for ING are PEG Ratio, Revenue Growth, Piotroski F-Score. Debt-to-equity of 3.60 is elevated, increasing financial risk.

Key Dynamics to Monitor

ING carries more volatility with a beta of 0.90 — expect wider price swings.

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

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

Bottom Line

ING scores higher overall (67/100 vs 62/100), backed by strong 34.2% 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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ING Group NV ADR

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

ING Groep NV, a financial institution, offers various banking products and services to individuals, small and medium-sized businesses and medium-sized businesses. The company is headquartered in Amsterdam, the Netherlands.

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