Berkshire Hathaway Inc. BRK.B owns more than 90 subsidiaries, spanning insurance, railroads, utilities, manufacturing, services, retail, and homebuilding. This diversification generates substantial recurring cash flows, improves resilience across economic cycles and reduces dependence on equity market performance.

Insurance is the cornerstone of Berkshire’s business model. As one of the world’s largest property and casualty insurers, the company generates significant float — premiums collected before claims are paid. This low-cost investable capital, combined with Berkshire’s fortress balance sheet, provides exceptional flexibility to acquire businesses, invest in securities, repurchase shares, or preserve liquidity until attractive opportunities arise.

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