Berkshire Hathaway Inc. (BRK.B) vs Exzeo Group, Inc. (XZO)

Berkshire Hathaway Inc. and Exzeo Group, Inc. are both Insurance Diversified companies. Berkshire Hathaway Inc. is the larger, with a market value of $974.3B against $1.4B — 691.0× the size. Berkshire Hathaway Inc. trades at the lower P/E: 12.7× against 15.5×. Exzeo Group, Inc. has the higher net margin (39.5% vs 22.3%) and the higher return on invested capital (44.4% vs 9.01%). Across the 19 metrics below, Exzeo Group, Inc. leads on 12 and Berkshire Hathaway Inc. on 7.

Valuation

Metric BRK.B XZO Insurance Diversified median
P/E 12.71 15.52 11.30
P/S 2.83 6.05 1.47
P/B 1.45 4.66 1.45
Price to free cash flow 45.01 16.46 5.78
EV/EBITDA 6.25 10.90 6.62
EV/Sales 3.06 5.43 1.82
Earnings yield 7.87% 6.44% 7.87%
Free cash flow yield 2.22% 6.08% 17.30%

Profitability

Metric BRK.B XZO Insurance Diversified median
Gross margin 79.27% 62.32% 53.26%
Operating margin 45.36% 48.51% 18.04%
Net margin 22.30% 39.45% 15.94%
Free cash flow margin 6.29% 36.76% 20.02%
Return on equity 12.08% 57.63% 12.08%
Return on assets 7.07% 45.36% 5.06%
Return on invested capital 9.01% 44.41% 9.01%

Growth

Metric BRK.B XZO Insurance Diversified median
Revenue growth (TTM) 3.93% — (1.11%)
EPS growth (last fiscal year) (24.79%) 69.29% —
Revenue growth, 5-year CAGR 8.63% — 8.63%
Net income growth, 5-year CAGR 9.51% — 10.84%

Health

Metric BRK.B XZO Insurance Diversified median
Debt to equity 0.17 0.00 0.22
Current ratio 0.32 1.85 0.48
Net debt to EBITDA 0.50 (2.80) 0.17

Dividend

Metric BRK.B XZO Insurance Diversified median
Dividend yield — — 2.08%
Payout ratio 0.00 — 0.02

Size

Metric BRK.B XZO Insurance Diversified median
Market cap 974.33b 1.41b 13.12b

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