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BRK-A vs CIA

BRK-A
Berkshire Hathaway Inc.
BEARISH
Price
$718921.00
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
65%
CIA
Citizens, Inc.
NEUTRAL
Price
$5.71
Market Cap
$287.2M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BRK-A
15.45
CIA
20.39
Forward P/E
BRK-A
22.3
CIA
16.31
P/B Ratio
BRK-A
1.44
CIA
1.22
P/S Ratio
BRK-A
2.78
CIA
1.12
EV/EBITDA
BRK-A
7.21
CIA
15.0

Profitability

Gross Margin
BRK-A
26.15%
CIA
27.58%
Operating Margin
BRK-A
32.96%
CIA
10.91%
Profit Margin
BRK-A
18.03%
CIA
5.71%
ROE
BRK-A
9.81%
CIA
6.55%
ROA
BRK-A
5.11%
CIA
0.64%

Growth

Revenue Growth
BRK-A
-0.7%
CIA
13.5%
Earnings Growth
BRK-A
-2.5%
CIA
99.5%

Financial Health

Debt/Equity
BRK-A
0.19
CIA
0.03
Current Ratio
BRK-A
7.07
CIA
0.68
Quick Ratio
BRK-A
6.62
CIA
0.35

Dividends

Dividend Yield
BRK-A
--
CIA
--
Payout Ratio
BRK-A
0.0%
CIA
0.0%

AI Verdict

BRK-A BEARISH

BRK-A shows bearish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Concerns include weak profitability or high valuation.

Strengths
Low debt with D/E ratio of 0.19
Risks
Weak financial trend (Piotroski F-Score: 3/9)
Declining revenue (-0.7%)
CIA NEUTRAL

CIA exhibits a stable financial foundation with a Piotroski F-Score of 4/9 and an exceptionally low Debt/Equity ratio of 0.03. The stock is currently trading at $5.71, which is slightly above its Graham Number ($5.43) but significantly below its growth-based intrinsic value of $8.26. While explosive year-over-year earnings growth (99.5%) and consistent earnings beats provide a strong fundamental catalyst, the outlook is tempered by a heavily bearish technical trend (10/100) and a lack of dividend yield. The company is essentially a growth-oriented small-cap insurance play with strong momentum in earnings surprises but weak price action trends.

Strengths
Exceptional leverage profile with Debt/Equity at 0.03
Explosive YoY earnings growth of 99.50%
Trading at a significant discount to intrinsic value ($8.26)
Risks
Severely bearish technical trend (10/100)
Low liquidity ratios (Current Ratio 0.68, Quick Ratio 0.35)
Very low Return on Assets (ROA 0.64%)

Compare Another Pair

BRK-A vs CIA: Head-to-Head Comparison

This page compares Berkshire Hathaway Inc. (BRK-A) and Citizens, Inc. (CIA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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