Invesight

Berkshire Hathaway

BRK-BFY2025 · Based on 10-K

Diversified holding company led by Warren Buffett. Insurance, energy, manufacturing.

Market Cap

Revenue Growth

+0.0%

Operating Margin

0.1%

Revenue Structure

Insurance
32.5%+0.045% YoY
BNSF Railway
5.5%+0% YoY
Berkshire Hathaway Energy
9.4%+0.067% YoY
Manufacturing
18.6%+0.016% YoY
Service & Retailing
32.1%-0.02% YoY
Revenue Structure
SegmentRevenuePercentYoY Growth
Insurance$137.5B32.5%0.045%
BNSF Railway$23.4B5.5%0%
Berkshire Hathaway Energy$39.8B9.4%0.067%
Manufacturing$78.5B18.6%0.016%
Service & Retailing$135.8B32.1%-0.02%

Customer Concentration

EstimatedNot explicitly stated in 10-K filing

Customer Concentration
CustomerRevenue %Estimated
Walmart17.2%No
7-Eleven13.3%No
Yum! Brands13.3%No
Toyota/Lexus18%Yes
General Motors18%Yes
Ford Motor Company18%Yes
Nissan/Infiniti18%Yes
Honda/Acura18%Yes

Value Chain Related Stocks

#1
Occidental Petroleum CorporationOXYSupplier

Oil and gas supplier; Berkshire acquired the OxyChem business in January 2026.

High impact on chemical manufacturing segment via acquisition.

Source: Item 1, Manufacturing

#2
General MotorsGMSupplier

Partner with Pilot Travel Centers for EV charging network and part of fuel supply chain.

Strategic partnership for infrastructure development.

Source: Item 1, Service Businesses

#3
Ace HardwareSupplier

Major distribution channel for Benjamin Moore products.

Critical sales channel for paint division.

Source: Item 1, Manufacturing

#4
TextronTXTSupplier

Joint venture partner with FlightSafety for aviation training and simulator manufacturing.

Enables high-tech training services globally.

Source: Item 1, Service Businesses

#5
Insurance Australia Group LimitedIAG.AXSupplier

Major customer/partner providing reinsurance contracts to BHRG.

Significant premium volume from quota-share agreement.

Source: Item 1, Insurance Operations

#6
WalmartWMTCustomer

Primary customer for wholesale grocery and non-food distribution via McLane Company.

Represents 17.2% of total consolidated revenue.

Source: Item 7, MD&A

#7
7-Eleven7-ELEVENCustomer

Primary customer for convenience store wholesale distribution via McLane Company.

Represents 13.3% of total consolidated revenue.

Source: Item 7, MD&A

#8
Yum! BrandsYUMCustomer

Primary customer for restaurant wholesale distribution via McLane Company.

Represents 13.3% of total consolidated revenue.

Source: Item 7, MD&A

#9
Toyota/LexusTMCustomer

Primary vehicle brand sold through Berkshire Hathaway Automotive dealerships.

Approximately 18% of automotive retail revenue.

Source: Item 1, Business Description

#10
General MotorsGMCustomer

Primary vehicle brand sold through Berkshire Hathaway Automotive dealerships.

Approximately 18% of automotive retail revenue.

Source: Item 1, Business Description

#11
Ford Motor CompanyFCustomer

Primary vehicle brand sold through Berkshire Hathaway Automotive dealerships.

Approximately 18% of automotive retail revenue.

Source: Item 1, Business Description

#12
Nissan/InfinitiNSANYCustomer

Primary vehicle brand sold through Berkshire Hathaway Automotive dealerships.

Approximately 18% of automotive retail revenue.

Source: Item 1, Business Description

#13
Honda/AcuraHMCCustomer

Primary vehicle brand sold through Berkshire Hathaway Automotive dealerships.

Approximately 18% of automotive retail revenue.

Source: Item 1, Business Description

#14
General MotorsGMPartner

Strategic partner with Pilot Travel Centers to develop a nationwide EV fast charger network.

Expanding service offerings and future revenue streams.

Source: Item 1, Service Businesses

#15
TextronTXTPartner

Global aviation training partner through joint venture FlightSafety Textron Aviation Training.

Enhances training capabilities and market reach.

Source: Item 1, Service Businesses

#16
Ace HardwarePartner

Preferred supplier of Benjamin Moore sharing an extensive retail network.

Critical distribution channel for paint products.

Source: Item 1, Manufacturing

Competitors

State FarmProgressive CorporationPGRAllstate CorporationALLUSAAUnion Pacific Railroad CompanyUNPSherwin-WilliamsSHWThe Home DepotHDLowe's CompaniesLOWSandvikSAND.STKennametal Inc.KMTLove's Travel StopsTravelCenters of AmericaTA

Risk Factors

Climate Change and Regulatory Risks

High

BNSF and BHE face significant costs and asset value risks due to greenhouse gas emission regulations.

Impact: Non-compliance or regulatory reinterpretation could have a material adverse effect on financial results, requiring increased capital expenditures for carbon capture technologies.

Reinsurance Losses and Uncertainty

High

Unpaid loss liabilities totaling $151.8 billion, driven by long-tail claims like asbestos and environmental issues, mean even small increases could materially reduce earnings.

Impact: Adjustments to loss estimates directly impact net income, exacerbated by inflation and social inflation trends increasing litigation costs.

Key Person Risk and Succession

Medium

The success of successor Gregory Abel and failure to recruit key talent could severely impair operations.

Impact: Delays in decision-making or strategic errors during the succession period could lead to a decline in corporate value.

Investment Portfolio Volatility

Medium

High concentration in equity securities and market price volatility directly impact shareholder equity and statutory surplus ratings.

Impact: Stock price declines can significantly reduce net income and erode market confidence in the insurer's financial strength.

Regulation in Energy and Transportation

Medium

BNSF and BHE are subject to various government regulations regarding rates, safety, and environment, with risks that costs may not be recoverable.

Impact: Disallowed costs will negatively impact operating results, while freight demand reduction or fuel price volatility could squeeze profitability.

Growth Drivers

Expansion of Renewable Energy and Clean Power Investments

BHE has cumulatively invested $38.0 billion in renewable generation/storage through Dec 2025, reducing GHG emissions by 30% vs. 2005 levels.

Outlook: Plans include continued investment in low-carbon generation and further coal unit retirements to strengthen long-term growth and compliance.

Increased Demand for Aviation Services and Data Center Infrastructure

NetJets and FlightSafety saw revenue growth from increased aircraft hours and rates, while IPS recorded 24.2% growth in life sciences and data center sectors.

Outlook: Global aviation travel recovery and accelerated digital transformation driving data center construction demand are expected to lead service sector growth.

EV Charging Infrastructure Build-out

Pilot is partnering with General Motors to develop a nationwide EV fast charger network with up to 2,000 stalls at 500 locations.

Outlook: Increasing EV adoption will make charging services a new growth driver, creating synergies with existing fuel sales.

Competitive Position: Market share GEICO is the 3rd largest private passenger auto insurer (~11.6% share); Forest River holds ~36% RV market share; BNSF is one of North America's largest freight rail systems., Decentralized management structure, massive float ($176B), strong brand franchises (See's, GEICO, BNSF), and diversified portfolio across uncorrelated industries.

Investment Insights

FY2025 · Based on 10-K

Berkshire Hathaway reported net earnings of $67 billion in 2025, down from the previous year due to volatility in investment gains and adjustments to insurance loss reserves. While GEICO saw premium growth, margins were compressed by rising claim severities. BNSF and BHE maintained stable performance through operational efficiencies and effective regulatory navigation, with BHE expanding its renewable energy investments to secure long-term growth momentum. Berkshire's primary competitive advantage lies in its decentralized management structure and the ability to leverage its massive float ($176 billion) for low-cost capital deployment. This provides a robust defensive moat, allowing the company to acquire quality assets during market downturns. However, structural risks such as climate change regulations, social inflation, and succession planning remain critical factors to monitor. Future growth is likely to be driven by expansion into EV charging infrastructure and surging demand for data center services.

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