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Compare Stocks › BRK-B vs CI

Berkshire Hathaway Inc. (BRK-B) vs The Cigna Group (CI)

BRK-B
Berkshire Hathaway Inc.
$481.48
VS
CI
The Cigna Group
$264.57

Rewards

BRK-B
  • ★Each dollar of retained earnings has created $1.66 of market value — management is creating shareholder value.
  • ★Net debt/EBITDA of -2.2x means the company holds more cash than debt — a net cash position.
CI
  • ★Share count has been reduced by 12% over the past 4 years through buybacks, increasing each share's claim on earnings.
  • ★Dividend yield of 2.36% with a consistent or growing payout over the past 4 years.
  • ★FCF yield of 13.8% is historically attractive — the business generates significant cash relative to its price.

Risks

BRK-B
  • ⚠Berkshire Hathaway Inc. scores only 16/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
  • ⚠Trailing P/E of 15.5x is 75% above the historical average of 8.9x — the stock trades at a premium to its own history.
CI
  • ⚠Gross margin of 9.3% is low, suggesting a competitive or commodity-like market with limited pricing power.

Key Valuation Metrics

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BRK-B
CI
Valuation
$36.80B
Free Cash Flow
$9.77B
3.54%
FCF Yield
13.82%
15.50
Trailing P/E
11.93
22.11
Forward P/E
7.90
Quality & Moat
11.31%
ROIC
10.45%
9.30%
ROE
14.23%
26.15%
Gross Margin
9.30%
N/A
PEG Ratio
N/A
Balance Sheet Safety
0.19
Debt / Equity
0.75
N/A
Interest Coverage
N/A
-2.15
Net Debt / EBITDA
1.89
N/A
Dividend Yield
2.36%
BRK-B: 5Ties: 1CI: 4
BRK-BCI

Historical Fundamentals

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BRK-B

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

CI

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

$1 Retained Earnings Test

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BRK-B
$1.66
created per $1 retained over 3 years
Value Creator
Σ Retained
$252.19B
Δ Market Cap
+$417.98B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
CI
$-2.66
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$9.93B
Δ Market Cap
$-26.45B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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BRK-B
31.1% Margin of Safety
Price is 31.1% below estimated fair value
Current Price: $481.48
Fair Value: $699.14
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
CI
44.1% Margin of Safety
Price is 44.1% below estimated fair value
Current Price: $264.57
Fair Value: $473.23
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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BRK-B

What growth rate is the market pricing in at $481?

+0.7%
Market-Implied Owner Earnings Growth
Standard FCF implies +8.8%

The market implies +0.7% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +8.8%, reflecting heavy growth investment.

CI

What growth rate is the market pricing in at $265?

+4.4%
Market-Implied Owner Earnings Growth
Standard FCF implies -2.5%

The market implies +4.4% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding -2.5%, reflecting heavy growth investment.

Economic Moat Score

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BRK-B
16/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
CI
34/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

Forensic Accounting

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BRK-B
-2.41
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
CI
-2.49
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Ownership Breakdown

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BRK-B
Insiders 0.3%Institutions 66.2%Retail & Other 33.5%
No. of Institutional Holders5,852
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
CI
Insiders 1.4%Institutions 91.6%Retail & Other 6.9%
No. of Institutional Holders2,182
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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BRK-B
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
CI
0
Buys (3M)
1
Buys (12M)
Total value (12M): $999,916
CORDANI DAVID M
Chief Executive Officer
$999,916
@ $241.88 · 2025-11-03
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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BRK-B
0
Sells (3M)
0
Sells (12M)
No open market insider sales found.
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
CI
2
Sells (3M)
4
Sells (12M)
Total value (12M): $11.33M
NEVILLE EVERETT
Officer
$496,636
@ $288.91 · 2026-03-02
JONES NICOLE S.
Officer
$666,515
@ $288.91 · 2026-03-02
EVANKO BRIAN C
President
$1.61M
@ $300.00 · 2025-10-03
JONES NICOLE S.
General Counsel
$8.56M
@ $300.00 · 2025-08-15
GRANGER ELDER
Director
$737,392
@ $310.35 · 2025-03-14
EDER NOELLE K
Officer
$3.18M
@ $320.00 · 2025-03-07
CORDANI DAVID M
Chief Executive Officer
$8.17M
@ $308.12 · 2025-03-03
JONES NICOLE S.
Officer
$1.51M
@ $308.12 · 2025-03-03
DELANEY WILLIAM J.
Director
$922,152
@ $342.68 · 2024-08-19
JONES NICOLE S.
General Counsel
$7.29M
@ $330.96 · 2024-08-12
TRIPLETT MICHAEL W
Officer
$2.25M
@ $329.94 · 2024-08-12
EVANKO BRIAN C
Officer
$1.65M
@ $345.01 · 2024-06-24
GRANGER ELDER
Director
$181,265
@ $331.38 · 2024-06-17
GRANGER ELDER
Director
$338,080
@ $338.08 · 2024-06-12
EDER NOELLE K
Officer
$3.73M
@ $348.47 · 2024-05-14
AGOGLIA HOELTZEL MARY T
Officer
$2.07M
@ $348.71 · 2024-05-14
CORDANI DAVID M
Chief Executive Officer
$14.15M
@ $355.15 · 2024-03-25
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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BRK-B
FearGreed
😐Neutral(48/100)

"Market is pricing this stock without strong emotion in either direction"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
CI
FearGreed
😨Fear(37/100)

"Market is pessimistic — investigate whether fears are temporary or structural"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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BRK-B
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Neutral (48)
CI
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Fear (37)
View BRK-B Full AnalysisView CI Full Analysis
Berkshire Hathaway Inc. (BRK-B) vs The Cigna Group (CI) Stock Comparison | SafetyMargin.io