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BRK-B vs LPRO

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
LPRO
Open Lending Corporation
NEUTRAL
Price
$1.54
Market Cap
$182.0M
Sector
Financial Services
AI Confidence
70%

Valuation

P/E Ratio
BRK-B
15.46
LPRO
--
Forward P/E
BRK-B
22.06
LPRO
8.56
P/B Ratio
BRK-B
0.0
LPRO
2.42
P/S Ratio
BRK-B
2.79
LPRO
1.95
EV/EBITDA
BRK-B
-2.12
LPRO
14.7

Profitability

Gross Margin
BRK-B
26.15%
LPRO
76.88%
Operating Margin
BRK-B
32.96%
LPRO
3.91%
Profit Margin
BRK-B
18.03%
LPRO
-4.54%
ROE
BRK-B
9.81%
LPRO
-5.54%
ROA
BRK-B
5.11%
LPRO
1.41%

Growth

Revenue Growth
BRK-B
-0.7%
LPRO
--
Earnings Growth
BRK-B
-2.5%
LPRO
--

Financial Health

Debt/Equity
BRK-B
0.19
LPRO
1.17
Current Ratio
BRK-B
7.07
LPRO
4.52
Quick Ratio
BRK-B
6.62
LPRO
4.17

Dividends

Dividend Yield
BRK-B
--
LPRO
--
Payout Ratio
BRK-B
0.0%
LPRO
0.0%

AI Verdict

BRK-B NEUTRAL

The deterministic health profile is weak, highlighted by a Piotroski F-Score of 3/9, indicating deteriorating operational efficiency and profitability trends. While the company maintains a fortress balance sheet with a Debt/Equity ratio of 0.19 and a Current Ratio of 7.07, the stock is trading at a significant premium to its growth-based intrinsic value of $217.21. Negative YoY revenue and earnings growth, coupled with a bearish technical trend, offset the positive analyst sentiment and long-term historical performance.

Strengths
Exceptional liquidity with a Current Ratio of 7.07
Very low leverage (Debt/Equity 0.19)
Strong operating margins at 32.96%
Risks
Significant overvaluation relative to intrinsic value ($479.75 vs $217.21)
Negative YoY earnings growth (-2.50%) and revenue growth (-0.70%)
Weak Piotroski F-Score (3/9) suggesting declining financial health trends
LPRO NEUTRAL

LPRO presents a complex profile with a Piotroski F-Score of 4/9, indicating stable but mediocre financial health. While the company maintains strong liquidity (Current Ratio 4.52) and high gross margins (76.88%), it is plagued by negative net profit margins and a catastrophic 5-year price decline of 96%. The low Forward P/E of 8.56 and bullish analyst targets suggest a potential recovery play, but extreme earnings volatility and negative ROE temper the outlook.

Strengths
Strong liquidity position with a Current Ratio of 4.52
High Gross Margin of 76.88% indicating strong core product value
Attractive Forward P/E of 8.56 relative to sector averages
Risks
Negative Profit Margin (-4.54%) and negative ROE (-5.54%)
Extreme earnings volatility, including a massive miss in March 2025
Severe long-term value destruction (-96% over 5 years)

Compare Another Pair

BRK-B vs LPRO: Head-to-Head Comparison

This page compares Berkshire Hathaway Inc. (BRK-B) and Open Lending Corporation (LPRO) 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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