BRK-B vs CSX vs AFL Stock Comparison

Berkshire Hathaway, Csx and Aflac Prices as of Oct 27, 2026 Peers: Industry group
BRK-B Berkshire Hathaway Inc
$543.06 +7.4% 1M +11.3% 1Y
Market cap
$1.17T
P/E
0.0x
Revenue (TTM)
$384.69B
Div. yield
–
Property and Casualty Insurance Financial Services
4 wins
CSX Csx Corp
$52.27 +11.7% 1M +45.2% 1Y
Market cap
$96.35B
P/E
27.0x
Revenue (TTM)
$14.95B
Div. yield
1.05%
Railroads Industrials
3 wins
AFL Aflac Inc
$122.00 +7.3% 1M +13.4% 1Y
Market cap
$61.28B
P/E
12.6x
Revenue (TTM)
$18.07B
Div. yield
1.98%
Property and Casualty Insurance Financial Services
5 wins

Head to Head

12 decided of 12

Aflac leads on 5 of the 12 questions below (Aflac 5, Berkshire Hathaway 4, Csx 3). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionBRK-BCSXAFLLeader
Larger companyMarket capitalisation $1.17T $96.35B $61.28B BRK-B
Cheaper on earningsLower P/E, profitable companies only 0.0x 27.0x 12.6x BRK-B
Cheaper on forward earningsLower price / next fiscal year consensus EPS — 26.7x 16.8x AFL
Faster revenue growthRevenue growth, trailing twelve months +3.9% +5.9% +10.9% AFL
More profitableNet margin, trailing twelve months 22.3% 24.0% 26.9% AFL
Better return on capitalReturn on invested capital -10.4% 12.6% -2.7% CSX
Less leveragedLower net debt / EBITDA 2.4x 2.4x — BRK-B
Higher dividend yieldTrailing dividend yield — 1.05% 1.98% AFL
Better 1-year returnPrice return, last 12 months +11.3% +45.2% +13.4% CSX
Better 5-year returnAnnualised price return, 5 years +13.4%/yr +7.6%/yr +17.1%/yr AFL
Less volatileAnnualised volatility, 1 year 14.7% 22.5% 17.6% BRK-B
Higher overall scoreMean of the five percentile scores vs peers 28/100 47/100 44/100 CSX

Percentile Scorecard

BRK-BCSXAFL

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisBRK-BCSXAFL
Valuation 14 #103 of 119 10 #122 of 136 13 #104 of 119
Growth 29 #81 of 114 59 #50 of 121 41 #68 of 114
Profitability 32 #75 of 110 83 #20 of 115 47 #59 of 110
Financial Health 56 #49 of 110 29 #102 of 143 36 #71 of 110
Shareholder Returns 10 #96 of 106 53 #39 of 82 86 #16 of 106
Overall 28 47 44
  • BRK-B ranked among 126 companies in Insurance
  • CSX ranked among 150 companies in Transportation
  • AFL ranked among 126 companies in Insurance

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodBRK-BCSXAFLSPY
1 month +7.4%+11.7%+7.3% -0.2%
3 months +6.0%+2.8%-5.8% +3.9%
6 months +13.6%+15.6%+4.9% +8.2%
Year to date +8.0%+44.2%+10.6% +12.9%
1 year +11.3%+45.2%+13.4% +12.3%
3 years +63.7%+78.8%+59.5% +87.4%
3 years, per year +17.9%+21.4%+16.9% +23.3%
5 years +87.4%+44.2%+120.4% +67.9%
5 years, per year +13.4%+7.6%+17.1% +10.9%
10 years +276.0%+417.5%+247.6% +261.1%
10 years, per year +14.2%+17.9%+13.3% +13.7%

Risk

MeasureBRK-BCSXAFLSPY
Volatility, 1Y 14.7%22.5%17.6% 12.7%
Downside volatility, 1Y 14.4%20.9%17.1% 12.7%
Beta vs S&P 500, 1Y -0.020.38-0.22 1.00
Return / volatility, 1Y 0.772.010.76 0.97
Max drawdown, 5Y -26.6%-30.5%-20.4% -25.4%
From 52-week high -1.0%-1.8%-5.8% -1.2%
52-week high $548.72$53.23$129.53 $779.14
52-week low $465.40$33.68$105.70 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleBRK-BCSXAFL
P/E now vs peer median 0.0xmedian 10.5x 27.0xmedian 16.3x 12.6xmedian 10.5x
P/S now vs peer median 3.0xmedian 1.4x 6.4xmedian 1.0x 3.4xmedian 1.4x
EV/EBITDA now vs peer median -9.6xmedian 7.6x 16.0xmedian 8.7x —median 7.6x
P/FCF now vs peer median 48.3xmedian 8.5x 30.0xmedian 11.4x 23.1xmedian 8.5x
P/B now vs peer median 1.6xmedian 1.5x 6.7xmedian 1.2x 2.0xmedian 1.5x
PEG now vs peer median —median 0.53 27.60median 0.82 1.94median 0.53

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsBRK-BCSXAFL
Revenue $384.69B $14.95B $18.07B
Gross profit $215.64B – $11.05B
Operating income -$111.18B $5.44B -$1.24B
Net income $86.08B $3.58B $4.86B
Free cash flow $24.22B $3.21B $2.65B
EPS (diluted) – $1.93 $9.62
Cash & equivalents $40.61B $1.22B $6.12B
Total debt $128.60B $18.80B $8.73B
Shares (diluted) – 1.85B 505.58M
Enterprise value -$247.37B $91.58B $36.49B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricBRK-BCSXAFL
P/E 0.0x 27.0x 12.6x
P/FCF 48.3x 30.0x 23.1x
P/Operating cash flow 25.1x 17.2x 23.1x
P/S 3.0x 6.4x 3.4x
P/B 1.6x 6.7x 2.0x
P/Tangible book 1.6x 6.7x 2.0x
EV/EBITDA -9.6x 16.0x –
EV/EBIT -8.4x 20.9x -51.7x
EV/Revenue 2.4x 7.6x 3.5x
EV/FCF 38.6x 35.3x 24.1x
EV/Operating cash flow 20.0x 20.3x 24.1x
PEG (3Y EPS CAGR) – 27.60 1.94

Growth

14 metrics
MetricBRK-BCSXAFL
Revenue growth (1Y) 3.9% 5.9% 10.9%
Revenue CAGR (3Y) 4.9% 0.5% -1.0%
Gross profit growth (1Y) 2.1% – 25.3%
Gross profit CAGR (3Y) 1.0% – 2.5%
Operating income growth (1Y) -4.9% 20.4% 68.3%
Operating income CAGR (3Y) -8.5% -0.8% 28.2%
Net income growth (1Y) 35.9% 23.4% 99.5%
Net income CAGR (3Y) -0.5% -1.5% 0.4%
EPS growth (1Y) – 24.3% 112.5%
EPS CAGR (3Y) – 1.0% 6.5%
Operating cash flow growth (1Y) 70.1% 21.4% 2.2%
Operating cash flow CAGR (3Y) 2.6% 1.9% -8.4%
Free cash flow growth (1Y) 194.4% 107.0% 2.2%
Free cash flow CAGR (3Y) -2.5% 1.8% -8.4%

Profitability

14 metrics
MetricBRK-BCSXAFL
Gross margin 56.1% – 61.1%
EBITDA margin -25.3% 47.4% –
Operating margin -28.9% 36.4% -6.8%
Pretax margin 29.2% 31.6% 32.0%
Net margin 22.3% 24.0% 26.9%
FCF margin 6.3% 21.5% 14.6%
Operating cash flow margin 12.1% 37.5% 14.6%
Return on equity 11.6% 25.4% 16.1%
Return on assets 6.8% 8.0% 4.2%
Return on invested capital -10.4% 12.6% -2.7%
Return on capital employed – 13.4% –
Asset turnover 0.3x 0.3x 0.2x
Cash conversion (OCF / net income) 0.5x 1.6x 0.5x
Stock comp / revenue – – –

Financial Health

11 metrics
MetricBRK-BCSXAFL
Debt / assets 10.2% 41.6% 7.5%
Debt / equity 0.2x 1.3x 0.3x
Net debt / EBITDA 2.4x 2.4x –
Debt / FCF 5.3x 5.9x 3.3x
Liabilities / assets 40.6% 68.2% 73.9%
Equity / assets 59.4% 31.8% 26.1%
Interest coverage -21.4x 6.4x -5.1x
Current ratio – 0.8x –
Quick ratio – 0.7x –
Cash ratio – 0.4x –
Altman Z-score – 2.95 –

Shareholder Returns

7 metrics
MetricBRK-BCSXAFL
Dividend yield – 1.1% 2.0%
Net buyback yield 0.4% 1.2% 6.2%
Shareholder yield 0.4% 2.3% 8.1%
Payout ratio (earnings) – 28.5% –
Payout ratio (FCF) – 31.8% –
Dividend growth (1Y) – 6.4% –
Dividend CAGR (3Y) – 5.4% –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusBRK-BCSXAFL
Forward P/E – 26.7xFY2026 16.8xFY2026
EPS, next fiscal year – $1.96FY2026 $7.27FY2026
EPS growth, next FY – +21.7%FY2026 -2.9%FY2026
EPS growth, the year after – +26.0% +8.3%
Revenue, next fiscal year – $14.54BFY2026 $17.70BFY2026
Revenue growth, next FY – +3.2%FY2026 +3.2%FY2026
Revenue growth, the year after – +14.2% -0.7%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersBRK-BCSXAFL
Held by institutions 65.8% 79.3% 68.2%
Institutions holding 4,923 1,996 1,699
Change in shares held, QoQ +1.8% +4.0% +0.6%
Institutions buying 2,236 1,000 741
Institutions selling 1,988 627 580
Buyers to sellers 1.12 1.59 1.28

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

BRK-BCSXAFL
BRK-B 1.00 0.12 0.45
CSX 0.12 1.00 0.25
AFL 0.45 0.25 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, BRK-B, CSX and AFL?

Berkshire Hathaway (BRK-B) is the largest by market capitalisation: Berkshire Hathaway (BRK-B) $1.17T, Csx (CSX) $96.35B, Aflac (AFL) $61.28B.

Which stock is cheaper, BRK-B, CSX and AFL?

Berkshire Hathaway (BRK-B) trades on the lowest price-to-earnings ratio (Berkshire Hathaway (BRK-B) 0.0x, Csx (CSX) 27.0x, Aflac (AFL) 12.6x). On next year's consensus earnings, Aflac (AFL) is cheapest (Csx (CSX) 26.7x, Aflac (AFL) 16.8x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Aflac (AFL) grew revenue fastest over the trailing twelve months: Berkshire Hathaway (BRK-B) +3.9%, Csx (CSX) +5.9%, Aflac (AFL) +10.9%.

Which company is more profitable?

Aflac (AFL) has the highest net margin (Berkshire Hathaway (BRK-B) 22.3%, Csx (CSX) 24.0%, Aflac (AFL) 26.9%). On return on invested capital, Csx (CSX) leads (Berkshire Hathaway (BRK-B) -10.4%, Csx (CSX) 12.6%, Aflac (AFL) -2.7%).

Which stock has performed better?

Over the past year Csx (CSX) returned the most: Berkshire Hathaway (BRK-B) +11.3%, Csx (CSX) +45.2%, Aflac (AFL) +13.4%. Over five years, Aflac (AFL) compounded fastest (Berkshire Hathaway (BRK-B) +13.4%/yr, Csx (CSX) +7.6%/yr, Aflac (AFL) +17.1%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Aflac (AFL) has the highest dividend yield: Csx (CSX) 1.05%, Aflac (AFL) 1.98%. Berkshire Hathaway (BRK-B) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Berkshire Hathaway (BRK-B) has been the steadiest (Berkshire Hathaway (BRK-B) 14.7%, Csx (CSX) 22.5%, Aflac (AFL) 17.6%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, BRK-B, CSX and AFL?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Aflac (AFL) leads on 5. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.