WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 38195% more annual revenue ($375.39B vs $980.27M). PLMR leads profitability with a 20.1% profit margin vs 19.3%. BRK-B trades at a lower P/E of 14.1x. PLMR earns a higher WallStSmart Score of 64/100 (C+).

BRK-B

Buy

62

out of 100

Grade: C+

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

PLMR

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 7.5Value: 6.0Quality: 7.3
Piotroski: 4/9

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

PLMR6 strengths · Avg: 8.7/10
Revenue GrowthGrowth
59.7%10/10

Revenue surging 59.7% year-over-year

Return on EquityProfitability
20.6%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
20.1%9/10

Keeps 20 of every $100 in revenue as profit

P/E RatioValuation
16.0x8/10

Attractively priced relative to earnings

Price/BookValuation
3.0x8/10

Reasonable price relative to book value

Operating MarginProfitability
20.3%8/10

Strong operational efficiency at 20.3%

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

PLMR1 concerns · Avg: 4.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

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 : PLMR

The strongest argument for PLMR centers on Revenue Growth, Return on Equity, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 20.3%. Revenue growth of 59.7% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : PLMR

The primary concerns for PLMR are EPS Growth.

Key Dynamics to Monitor

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

BRK-B carries more volatility with a beta of 0.62 — expect wider price swings.

PLMR is growing revenue faster at 59.7% — sustainability is the question.

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

Bottom Line

PLMR scores higher overall (64/100 vs 62/100), backed by strong 20.1% margins and 59.7% revenue growth. 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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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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