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BRK-A vs HRTG

BRK-A
Berkshire Hathaway Inc.
BEARISH
Price
$718921.00
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
65%
HRTG
Heritage Insurance Holdings, Inc.
NEUTRAL
Price
$29.90
Market Cap
$918.6M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BRK-A
15.45
HRTG
4.73
Forward P/E
BRK-A
22.3
HRTG
6.08
P/B Ratio
BRK-A
1.44
HRTG
1.74
P/S Ratio
BRK-A
2.78
HRTG
1.08
EV/EBITDA
BRK-A
7.21
HRTG
1.48

Profitability

Gross Margin
BRK-A
26.15%
HRTG
42.5%
Operating Margin
BRK-A
32.96%
HRTG
41.65%
Profit Margin
BRK-A
18.03%
HRTG
23.08%
ROE
BRK-A
9.81%
HRTG
49.14%
ROA
BRK-A
5.11%
HRTG
7.16%

Growth

Revenue Growth
BRK-A
-0.7%
HRTG
2.4%
Earnings Growth
BRK-A
-2.5%
HRTG
226.0%

Financial Health

Debt/Equity
BRK-A
0.19
HRTG
0.2
Current Ratio
BRK-A
7.07
HRTG
0.83
Quick Ratio
BRK-A
6.62
HRTG
0.42

Dividends

Dividend Yield
BRK-A
--
HRTG
--
Payout Ratio
BRK-A
0.0%
HRTG
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%)
HRTG NEUTRAL

HRTG presents a stark contradiction between extreme valuation attractiveness and deteriorating fundamental health, evidenced by a weak Piotroski F-Score of 3/9. While the stock trades at a very low P/E of 4.73 and well below its Graham Number ($49.47), the combination of heavy insider selling and a low current ratio (0.83) suggests significant underlying risk. Explosive earnings growth is not currently supported by organic revenue growth (2.40%), indicating potential non-recurring gains or aggressive accounting. The technical trend is heavily bearish, offsetting the bullish analyst recommendations.

Strengths
Extremely low P/E ratio (4.73) relative to sector averages
Exceptional Return on Equity (ROE) of 49.14%
Strong recent earnings track record with significant beats
Risks
Weak Piotroski F-Score (3/9) indicating poor fundamental health
Aggressive insider selling (15 sell transactions, 0 buys)
Liquidity concerns with a Current Ratio of 0.83 and Quick Ratio of 0.42

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-A) and Heritage Insurance Holdings, Inc. (HRTG) 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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