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BRK-B vs OPFI

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
OPFI
OppFi Inc.
NEUTRAL
Price
$9.51
Market Cap
$818.9M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BRK-B
15.46
OPFI
9.61
Forward P/E
BRK-B
22.06
OPFI
4.68
P/B Ratio
BRK-B
0.0
OPFI
4.44
P/S Ratio
BRK-B
2.79
OPFI
2.4
EV/EBITDA
BRK-B
-2.12
OPFI
--

Profitability

Gross Margin
BRK-B
26.15%
OPFI
100.0%
Operating Margin
BRK-B
32.96%
OPFI
40.59%
Profit Margin
BRK-B
18.03%
OPFI
7.7%
ROE
BRK-B
9.81%
OPFI
53.86%
ROA
BRK-B
5.11%
OPFI
20.96%

Growth

Revenue Growth
BRK-B
-0.7%
OPFI
9.2%
Earnings Growth
BRK-B
-2.5%
OPFI
--

Financial Health

Debt/Equity
BRK-B
0.19
OPFI
1.08
Current Ratio
BRK-B
7.07
OPFI
5.71
Quick Ratio
BRK-B
6.62
OPFI
5.32

Dividends

Dividend Yield
BRK-B
--
OPFI
--
Payout Ratio
BRK-B
0.0%
OPFI
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
OPFI NEUTRAL

OPFI presents a dichotomy between strong operational efficiency and bearish sentiment indicators. While the Piotroski F-Score of 4/9 indicates stable financial health and the company boasts an exceptional ROE of 53.86%, the stock is currently trading at a premium to its Graham Number ($6.91) and Intrinsic Value ($6.93). Despite a very low forward P/E of 4.68 and a consistent track record of earnings beats, the analysis is tempered by a 0/100 technical trend and bearish insider activity, including sales by the CFO and Directors.

Strengths
Exceptional profitability metrics with ROE at 53.86% and ROA at 20.96%
Strong short-term liquidity with a Current Ratio of 5.71
Consistent earnings performance with 3/4 recent beats and high average surprises
Risks
Trading at a ~37% premium to defensive fair value (Graham Number)
Bearish insider sentiment with multiple sales by executives and directors
High exposure to underserved credit markets, increasing sensitivity to macroeconomic downturns

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and OppFi Inc. (OPFI) 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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