Berkshire Hathaway (B)

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ISIN: US0846707026

Ticker: BRK.B

US0846707026

BRK.B

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Discussão sobre BRK.B

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215

Kai

@Kai_

10H·

Berkshire's biggest moat: the insurance float 💰

The biggest moat of Berkshire Hathaway ($BRK.B) (-1,88%) is the insurance float, a stream of capital that provides additional investment power year after year.

1. what is behind the float? 🏦

Insurance companies collect premiums today, but often do not have to settle claims for years. During this time, Berkshire can invest the capital.

Normal companies have to pay interest on capital. Berkshire, on the other hand, even gets paid for holding capital through solid underwriting.

The float has grown from a few million dollars in the 70s to over 170 billion USD today.

2. why this is so strong 🔄

Structural advantage: The float is not a random product, but an integral part of the insurance model.

Independent of individuals: Buffett and Munger made the concept great, but it lives on through the strength of insurance subsidiaries like GEICO or General Re.

Investment freedom: Capital flows continuously and can be flexibly invested in shares, bonds or entire companies.

3. opportunities for investors 📈

Stability: The float remains in place even after a change of management.

Crisis strength: In market downturns, Berkshire remains liquid while other companies experience capital problems.

Growth: The larger the insurance division, the more capital is available for new investments.

4. conclusion 👉

Buffett and Munger were the architects, but the float is the foundation.

For investors, this means that the float is the silent engine in the background and ensures that Berkshire retains its enormous investment power in the future.

4 Comentários

Soprano@Soprano

What is that horrible latently anti-Semitic AI picture again? 😭

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PatitosFortune

@dividend_master_pf

4D·

PatitosFortune Mag7 (August 31, 2025)

The flock’s flying high again — with the top 7 positions now making up ~40% of the portfolio! That’s 6 points over last month showing how conviction is compounding 📈🪶

🏆 Top 7 Gainers August 2025:

$3679 (-0,32%) — Japan's quiet beast Zigexn is back on top with +18.6%, still among Patito's favorite conviction plays (6.60% of the nest).

$GRLA — Groenlandsbanken holds strong with +10.7%, proof you don’t need hype to win.

$WCP (-2,26%) — Our favorite dividend dripper slows slightly but keeps marching with +10.5%, and making up for largest holding (10.65%) as we have progressively added to the position. It doesn't show there but we have already received another full 1% in dividends since our start in February that have been fully reinvested to the portfolio. Did we mention it's a monthly dividend payer?

$CALM (-0,64%) — A new protein-powered entry: Cal-Maine cracks into the top 7 with +10.1%. 🍳

$HME (-2,44%) — Small Canadian energy keeps climbing, also +10.1% and currently holding the title for our top dividend score in our scoring system

$RBW (-0,24%) — Polish pick surprises with +8.84%, diversifying with promise.

$2330 — Taiwan Semi still making chips and making gains: +8.35%, and holding 6.03%.

🔁 Returning Leaders:

✅ $3679, $GRLA, $WCP, $HME, $2330

💪 These are not one-hit quacks — they’re holding their spots through volatility and growing stronger.

Our stronghold gold ETF $4GLD (+0,33%) has been pushed down the top ladder which is good news!

🍳 New Cracks in the Shell:

Welcome to $CALM (Cal-Maine) and $RBW! Both breaking into the leaderboard with solid performance and strong fundamentals.

🎯 Strategy Update:

Patito's top 7 holdings now represent nearly half the portfolio — a clear sign of rising conviction and performance concentration.

We continue to prioritize:

🏅 High Patito Score picks (Elite + Excellent)
🧠 High WB Score conviction
🌍 Global diversification from Japan to Canada to Poland
🧈 Stable dividends and strong capital efficiency

🐣 Patito's holding steady, sleeping well, and reinvesting smart. August was golden.

Onward to September — let’s fluff up more feathers and hope for our other half of the portfolio to wake up (yes we're looking at you $BRK.B (-1,88%) , $SIGA , and $WRB (-1,95%) ).

fionn

@8fionn

1Semana·

Growth and quality stocks wanted

I am currently restructuring my portfolio and would like to keep the ACWI as the core and have a mix of growth and quality individual stocks with a long investment horizon as satellites. I have currently selected the following stocks:

However, this selection is very tech and USA focused. Do you have any suggestions or alternatives? For example, I have $LIN (-1,13%) , $SAP (-1,73%) , $SIE (-1,8%) and $CAT (+0,56%) or $DE (+0,12%) on the watchlist. What do you think?

8 Comentários

Tenbagger2024@Tenbagger2024

1Semana

$WM $RSG $CW $HEI $TDG $CTAS $UFPT $LIN $8001 $PGR $VRTX $CORT $EXLS $BMI $DOL $CPRT

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mr_capital

@mr_capital

1Semana·

A nearly one year review

Hi everyone!

I’ve been building this portfolio for almost a year now, following a long-term growth approach rather than chasing short-term explosive gains. So far, it’s up +5.30%. I’ve focused more on the italian and american markets with stoks such as $ISP (-1,43%)
$KO (-1,01%)
$BRK.B (-1,88%) that make more than half my portfolio. What do you think about my strategy and approach?

$VOW3 (+0,57%)
$PLTR (-1,68%)
$FCT (-1,08%)
$LDO (-0,33%)
$RHM (+1,29%)
$INTC (-0,75%)
$CPR (+0,07%)
$AXP (-1,72%)
$BMPS (+0,63%)
$FBK (-0,79%)
$G (-0,57%)
$GS (-1,64%)
$MCD (-1,69%)
$SL (+2,42%)
$ENI (-2,08%)
$BBAI (+2,34%)
$PRY (+0,33%)

34Posições

5,30%

2 Comentários

Niccolò@Niccocesa

1Semana

Portfolio as interesting as it is peculiar, having intesa as the main share is not exactly a move I agree with but I understand that high dividends attract. If I were you I would increase the weighting of etf over individual stocks so that you have a steady growth and not too volatile (which is exactly what I am trying to do as well).
Otherwise I've noticed a lot of interesting stocks and also a small exposure on cryptos, I haven't ventured into them yet but a small percentage on the portfolio I would share.

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wealth.builder101

@wealth_builder101

2Semana·

My core principles - Which stock to trim?

I am looking to sharpen my knife and trim my portfolio down to only 15 stocks. Which stocks would you suggest I cut/sell and which ones would you put more emphasis on? Let me know in the comments!

Over the years, I’ve sharpened my strategy down to a focused portfolio built on true compounders. Here’s what guides my stock picking:

High Capital Returns – I only want companies with top-tier ROIC & ROCE, not just “good” but best in class.
Predictable Growth – earnings and free cash flow need to grow steadily, not in cycles.
Strong Margins – wide gross margins, healthy operating margins, and high free cash flow conversion.
Global Megatrends – every holding should profit from long-term, accelerating trends.
Quality over Quantity – I’d rather own ~20 world-class businesses than chase diversification for its own sake.
Long-Term Horizon – 5+ years minimum. Buy, hold, and compound.

here’s my current holdings:

1 Comentar

2Semana

No real advice. $MC is trying to set a bottom. Location wise it's about pre corona level witch maybe interesting.

$ASML is under value, short term 680 seems to be fair. Probably more potential.

On your other holding's I don't have a opinion.

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Der Spekulant

@Derspekulant1

2Semana·

My depot for discussion: Looking for honest feedback!

Hello community,

I would like to present my revised portfolio strategy to you today and am looking forward to your opinions and constructive feedback. I am pursuing a core-satellite approach.

The core (approx. 40%):

My foundation for long-term and stable asset accumulation. Here I rely on the MSCI World and the Nasdaq 100 in order to participate in global economic growth in a broadly diversified manner. Simple, cost-effective and proven.

The satellites (approx. 60%):

Here I pursue clear, thesis-based investments in individual stocks. These can be divided into six thematic clusters:

1. the AI infrastructure (cloud, data & security):

My biggest bet. I believe that the real winners of the AI revolution are the companies that provide the foundation.

Positions:

Cloudflare, CrowdStrike, Snowflake, Datadog.

2. the fintech revolution in emerging markets:

The disruption of traditional banking in populous and digitally savvy regions.

Positions:

MercadoLibre, Nu Holdings.

3. global champions & turnarounds:

Here I bundle global market leaders that I consider undervalued or that are on the verge of a comeback.

Positions:

Alibaba, BYD. For me, these are not speculative gambles, but counter-cyclical bets on dominance in their respective markets.

4. industrial excellence & luxury brands:

A bet on undisputed market leaders in highly profitable niches with strong moats - from armor to high-tech automation to luxury sports cars and one of the best investors of all time.

Positions: Rheinmetall, Ferrari, Berkshire Hathaway, Keyence.

5. future technologies & energy:

The thesis here is clear: more AI and more data centers require massively more energy.

Positions:

The Uranium ETF, Iris Energy, American Lithium.

6. megatrends: health & sustainability:

Investments in global market leaders that benefit from two unstoppable social developments: demographic change and the need for a circular economy.

PositionsNovo Nordisk, Tomra Systems.

My question to the Getquin community:

What is your opinion on this strategy and allocation?

#DepotCheck #PortfolioReview #Feedback #CoreSatellite #Strategy

$NET (+1,17%)
$CRWD (+0,44%)
$NOVO B (-2,19%)
$1211 (-0,2%)
$BABA (+2,49%)
$IREN (-0,14%)
$NLR (+0,1%)
$ACWI
$WSML (+0,03%)
$RACE (-1,35%)
$BRK.B (-1,88%)
$RHM (+1,29%)
$6861 (-1,16%)
$DDOG (+2,38%)
$MELI (-2,29%)
$SNOW (+0,79%)
$NU (-2%)
$TOM (+2,41%)

14 Comentários

2Semana

I have 2 comments on this. In which area of your satellite strategy do you see the 2 largest positions $RHM and $BRK.B? And why do you see $1211 as an anti-cyclical position? Personally, the software sector would be too big for me, but that's a matter of taste and probably also due to the fact that you couldn't really decide between all the great companies? Otherwise, I think it is well diversified, as many stocks that are missing at first glance are represented in the core ETF.

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Konstantin Harrer

@MozartTrading

2Semana·

Aug 15 / Alaska Summit, Warren Buffett and FinTech

Trump Meets Putin in Alaska – A Meaningless PR Stunt?

Finally, after weeks of speculation, President Trump has arrived in Alaska to supposedly discuss how to end the war in Ukraine. This is the first face-to-face meeting in several years for the two presidents.

Trump warned of “very severe consequences” if a ceasefire can’t be reached – whatever that’s supposed to mean. Hopefully, it has nothing to do with the ballistic submarines stationed near Russia after Trump and a Russian official engaged in a verbal sparring match on social media. Let’s see where this goes.

UnitedHealth – The Stock Has Found Its Savior

Berkshire Hathaway sold shares in Apple and added to a new, very attractively valued position: UnitedHealth Group. Warren Buffett is known to buy when others are fearful, and speculation surrounded his latest pick until it was finally announced yesterday.

I can gladly say that I’m apparently not the only one who sees great potential in the unloved giant. The company has faced major headwinds – including the vicious and brutal killing of its CEO, higher medical costs, and controversies over its business practices. However, let’s not forget: UnitedHealth is the 9th-largest employer in the U.S. and the largest health insurer worldwide. 1 in 6 Americans is covered by UnitedHealth.

Warren Buffett finally gave the stock the spark it so badly deserved. UnitedHealth is a great company that – and quote me on this – will climb back to all-time highs. The insurer has a massive moat, strong fundamentals, and generates cash like King Midas. This is one of the positions in my portfolio I’m least worried about. I’ll let it sit there and take profits in two years.

Dlocal vs. Adyen – I Suppose I Chose Correctly

Investor’s reaction to the earnings of these two fintech companies couldn’t have been more different. One stock fell 20% after the report, while the other jumped more than 40%. Dlocal and Adyen both operate as international payment processors – Dlocal primarily in South America and other emerging markets, and Adyen across global markets.

Dlocal raised its guidance, beat expectations, and impressed with excellent execution, while Adyen struck a cautious tone and predicted a soft outlook. I find both companies highly interesting, but I decided to invest in Dlocal a few weeks ago due to its superior expansion potential, more attractive valuation, and strong leadership.

I feel proven right after the recent reports, though I wouldn’t be opposed to opening a position in Adyen if the stock drops further.

$UNH (+1,35%)
$BRK.A (-2,1%)
$BRK.B (-1,88%)
$AAPL (-0,49%)
$DLO
$ADYEN (-1,58%)
$ADYEN (-1,58%)
$BRNT (-2,28%)
$CRUD (-2,24%)

1 Comentar

TomTurboInvest@TomTurboInvest

2Semana

I’m in favor of Adyen because of its strong global presence and coverage. If you’re looking for a truly global payment processor, Adyen is the clear choice.
Additionally, after last week’s dip, Adyen has already rebounded by approximately 20% 😁

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BamBamInvest

@BamBamInvest

3Semana·

Buffet further increases ?

$UNH (+1,35%)
$BRK.B (-1,88%)
$BRK.A (-2,1%)

Buffett has probably bought far more than the stated 5 million shares of $UNH (+1,35%) probably much more.

This can be concluded from the fact that Berkshire Hathaway no longer requires a confidentiality note for the current quarter.

Today's 13F only covers transactions through June 30, we don't know how much he bought after that.

The closing price on this day for $UNH (+1,35%) was $311.97.

In between there are another 45 days where the price has mostly fallen further.

Therefore, confidential treatment of $BRK.B (-1,88%) is no longer necessary.

We will find out exactly how much he has collected in 3 months, but I believe that he was not satisfied with the initial purchase with the share price continuing to fall and so much cash on hand 💪

Other buyers:

Tepper
Burry
Simons - Renaissance

$CNC (+0,29%)
$OSCR
$CVS (-0,47%)
$CI (+0,08%)
$ELV (+1,76%)

+ 1

2 Comentários

RankSquid@RankSquid

2Semana

Great breakdown. Where could you find this chart or information?

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ThemenmitKopf

@topicswithhead

3Semana·

Buffet

Someone must have $UNH (+1,35%) bought. Contra indicator or is the bull run coming now? $BRK.B (-1,88%)

39 Comentários

Tenbagger2024@Tenbagger2024

3Semana

When will he buy Novo 🙈😂 . Buffet probably follows the getquin community

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BamBamInvest

@BamBamInvest

3Semana·

Lemonade trades above 60$ - FOMO is slowly emerging

$LMND (-1,26%)

over 90% in the last 3 months
just under 50% in the last month

Short quota just under 30% 🫣

The market is slowly recognizing the potential, momentum continues

Currently, 98% of all onboarding and 55% of all claims processing is handled by native AI agents without human interaction

This means that scaling is possible without an increase in personnel.

This means an increase in efficiency and operational leverage.

AI-centric design also reduces costs.

The majority of costs in the insurance industry arise from claims settlement.

This is because humans used to be heavily involved in this.

As $LMND (-1,26%) now handling this with the help of AI, their loss ratio is also falling.

Lower costs lead to lower prices.

Some of these cost savings are passed on to customers in the form of lower prices.

Currently, prices are on average 68% lower than those of the competition.

This creates a positive feedback cycle:

- Operating leverage reduces costs.

- Reduced costs increase efficiency.

- This allows $LMND (-1,26%) charge lower prices.

- Lower prices attract more customers.

- Larger scale increases operating leverage again.

A cycle of growth 🚀

$ALV (-0,87%)
$MUV2 (-1,37%)
$ALL (-3,75%)
$PGR (-2,76%)
$BRO (-1,38%)
$ZURN (-0,27%)
$CS (-1,43%)
$BRK.B (-1,88%)

+ 1

BamBamInvest

@BamBamInvest

2Mês·

Lemonade Potential 🚀- Disruption in the insurance industry ? Brief company presentation

$LMND (-1,26%)

History:

$LMND (-1,26%) is an insurance company that was founded as a public benefit corporation and has its headquarters in New York and its European branch in Amsterdam. Lemonade has been traded as a public company on the New York Stock Exchange since July 2020.

$LMND (-1,26%) Insurance was founded in 2015 by Daniel Schreiber and Shai Wininger with the goal of revolutionizing the insurance industry through technology. The company started by providing home insurance and relies heavily on artificial intelligence and chatbots for claims processing and customer service.

$LMND (-1,26%) has experienced rapid expansion, including an IPO in 2020 and expansion into Germany

business model:

Lemonade, Inc. offers renters, homeowners, auto, pet and life insurance.

Current market capitalization 3 billion

The company's full-stack, artificial intelligence-powered insurance carriers in the United States and European Union replace brokers and bureaucracy with bots and machine learning. The company's digital substrate enables it to integrate marketing and onboarding with underwriting and claims processing, and to collect and utilize data.

Its technology includes Data Advantage,

AI Maya, AI Jim, CX.AI, Forensic Graph, Blender and Cooper.

AI Maya, the onboarding and customer experience bot, uses natural language to assist customers in the onboarding process.

AI Jim, the claims reporting bot, receives the customer's first claim and pays the claimant or rejects the claim without human intervention.

The company offers pet insurance policies that cover diagnoses, procedures, medication, accidents or illnesses. Even the basic pet insurance covers blood tests, urinalysis, laboratory tests and CT scans.

What is the Lemonade $LMND (-1,26%)
Giveback?

Giveback is at the heart of Lemonade. This core element of the business model enables customers to use their Lemonade insurance policies to support causes that are close to their hearts.

Since 2017, Lemonade has $LMND (-1,26%) donated over 10 million US dollars to help build new homes, provide clean water, improve education, promote animal rights and much more.

Here's how it works:

When a customer purchases a $LMND (-1,26%) renters, homeowners, auto or pet insurance, charges a flat fee to cover $LMND (-1,26%) a flat fee to support and grow the business. A portion of the premiums goes towards claims settlement and the balance goes directly to one of their Giveback Partners - non-profit organizations selected by our customers.

$LMND (-1,26%) is a non-profit corporation:

$LMND (-1,26%) is a Public Benefit Corporation and a certified B Corp, which means they are legally committed to making a positive social impact. B Corp certification is awarded to companies that demonstrate that they balance profit and purpose while putting people and the planet at the center.

Every three years, they undergo a comprehensive assessment of their entire organization.

Number of employees: 1 258 (end of 2024)

Profitability:

$LMND (-1,26%) Approaching a turning point, possibly offering a promising investment opportunity.

Profitability increases with size, as costs do not rise due to additional premiums, as is normally the case with conventional insurance companies.

Management expects EBITDA profitability in 2026 and net profit profitability in 2027.

They see an extremely clear path to profitability:

They also have a clear path to profitability :

- Loss ratio from 92% to 73

- Net profit margin -123% to -20.2%

- Continued increase in sales growth rates

Growth:

Growth is currently still controlled, but the real growth is yet to come, with sales growth rates continuing to rise in the last two quarters.

They have been able to achieve these growth rates without an expansive expansion (both in existing and additional potential states) of automobile insurance, which represents a huge opportunity for $LMND (-1,26%) represents a huge opportunity.

Car insurance

$LMND (-1,26%) currently has around 2.3 million customers who use renters, pet and other insurance products. These customers use $LMND (-1,26%) for one reason: favorable price and convenience.

The share of car insurance is currently still very small and has a lot of room for expansion, so if we were to assume that only 30% of them become car insurance customers with an average annual turnover of USD 1,800, that would be an additional USD 1.24 billion in turnover per year ... just by cross-selling 30% (without any other new customers)

Pet insurance:

The pet insurance market was a $5 billion market in the US last year. It is expected to reach 6 billion dollars in 2025 and 15.7 billion dollars by 2030, growing by 22% annually.

$LMND (-1,26%) - Total annual premiums recently surpassed the $1 billion mark. So if you were to capture 50% of the pet insurance market, premiums would increase eightfold in just five years (800% assuming the projected growth above)

Trupanion (green line) has a 25% market share today. $LMND (blue line) is around 5%.

However, the search trend will continue to have a positive effect for $LMND (-1,26%) especially as it is only just beginning to expand further into all states. (This also applies to the other insurance segments)

Opportunities/long-term potential:

I think the future possibilities and opportunities for $LMND (-1,26%) a supposedly boring industry are enormous.

The insurance market has one of the largest TAMs of all.

The global insurance market was worth around USD 8 trillion in 2024. The USA and China are the largest insurance markets worldwide, with the USA leading the way with a market share of around 45% and China with around 10%.

Slight international expansion (online)
Product expansion (additional lines)
Enormous cross-selling potential
Decreasing dependence on reinsurance
Simple and fast premium calculation, conclusion and claims settlement (through AI)
Already tested/calculated in-house: https://www.lemonade.com
10-fold sales opportunity

$ALV (-0,87%)
$MUV2 (-1,37%) , $HNR1 (-1,33%) , $PGR (-2,76%) , $GEC , $ALL (-3,75%) , $AIG (-3,73%) , $UNH (+1,35%) , $CVS (-0,47%) , $UQA (-0,33%) , $G (-0,57%) , $VIG (+0,11%)

+ 3

13 Comentários

Das Portfoliopferd@Portfoliopferd

3Semana

https://www.secform4.com/insider-trading/1691421.htm

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