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Compare Stocks › BRK-B vs CPAY

Berkshire Hathaway Inc. (BRK-B) vs Corpay, Inc. (CPAY)

BRK-B
Berkshire Hathaway Inc.
$481.48
VS
CPAY
Corpay, Inc.
$284.38

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.
CPAY
  • ★Corpay, Inc. has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
  • ★Gross margin of 79.7% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Corpay, Inc. scores 93/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.

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.
CPAY
  • ⚠PEG ratio of 2.10 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
  • ⚠High leverage (2.43x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
  • ⚠Altman Z-Score of 1.50 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.

Key Valuation Metrics

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BRK-B
CPAY
Valuation
$36.80B
Free Cash Flow
$1.89B
3.54%
FCF Yield
9.49%
15.50
Trailing P/E
18.91
22.11
Forward P/E
9.59
Quality & Moat
11.31%
ROIC
14.08%
9.30%
ROE
25.30%
26.15%
Gross Margin
79.68%
N/A
PEG Ratio
2.10
Balance Sheet Safety
0.19
Debt / Equity
2.43
N/A
Interest Coverage
N/A
-2.15
Net Debt / EBITDA
3.23
N/A
Dividend Yield
N/A
BRK-B: 4Ties: 1CPAY: 5
BRK-BCPAY

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.

CPAY

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
CPAY
$2.32
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$3.06B
Δ Market Cap
+$7.10B
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
CPAY
25.3% Margin of Safety
Price is 25.3% below estimated fair value
Current Price: $284.38
Fair Value: $380.86
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.

CPAY

What growth rate is the market pricing in at $284?

+11.2%
Market-Implied Owner Earnings Growth
Standard FCF implies +3.5%

The market implies +11.2% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +3.5%, 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.
CPAY
93/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. Revenue Predictability is the standout factor.

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.
CPAY
-2.52
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.
CPAY
Insiders 3.7%Institutions 97.3%
No. of Institutional Holders984
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
CPAY
0
Buys (3M)
1
Buys (12M)
Total value (12M): $2.52M
STULL STEVEN T
Director
$2.52M
@ $314.98 · 2025-12-12
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
CPAY
2
Sells (3M)
2
Sells (12M)
Total value (12M): $1.85M
SLOAN JEFFREY STEVEN
Director
$1.24M
@ $343.62 · 2026-02-17
VICKERY ALISSA B
Officer
$610,067
@ $358.65 · 2026-02-10
MACCHIA RICHARD
Director
$910,683
@ $375.23 · 2025-02-10
KING ALAN
Officer
$8.13M
@ $381.97 · 2024-11-26
VICKERY ALISSA B
Officer
$2.96M
@ $370.04 · 2024-11-20
NETTO ARMANDO LINS
President
$25.50M
@ $363.42 · 2024-11-19
FARRELLY JOSEPH W.
Director
$1.12M
@ $375.18 · 2024-11-13
NETTO ARMANDO LINS
Officer
$19.70M
@ $307.33 · 2024-09-10
CLARKE RONALD F
Chief Executive Officer
$49.52M
@ $309.50 · 2024-09-03
FARRELLY JOSEPH W.
Director
$1.00M
@ $310.14 · 2024-08-29
VICKERY ALISSA B
Officer
$1.54M
@ $292.38 · 2024-08-16
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.
CPAY
FearGreed
😨Fear(36/100)

"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)
CPAY
⚪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 (36)
View BRK-B Full AnalysisView CPAY Full Analysis
Berkshire Hathaway Inc. (BRK-B) vs Corpay, Inc. (CPAY) Stock Comparison | SafetyMargin.io