BFH vs BH-A

Comparison between Bread Financial Holdings Inc (BFH, Company) and Biglari Holdings Inc - Class A (BH-A, Company).

BFH is from the Financial Services sector, while BH-A is from the Consumer Cyclical sector.

5-Year PerformanceBH-A has outperformed BFH, delivering a return of +16.3% compared to +10.6%

BFH vs BH-A - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BFH(COMPANY)	BH-A(COMPANY)
Market Cap	$4.28B	$4.28B
Max Drawdown	92.70%	77.48%
Sharpe Ratio	1.75	0.84
5Y Beta	1.40	0.51
Industry	Credit Services	Restaurants
P/E Ratio	8.25	192.33
Forward P/E	10.05	N/A
PEG Ratio	0.14	N/A
Dividend Yield	0.83%	N/A
5Y Dividends CAGR	6.07%	N/A
5Y EPS CAGR	27.69%	N/A
Debt to Equity	0.00%	40.64%
Free Cash Flow Yield	51.26%	1.90%
P/S Ratio	N/A	3.32
P/B Ratio	N/A	1.70

Market Cap

BFH

$4.28B

Winner

BH-A

$4.28B

Max Drawdown

BFH

92.70%

Winner

BH-A

77.48%

Sharpe Ratio

Winner

BFH

1.75

BH-A

0.84

5Y Beta

BFH

1.40

Winner

BH-A

0.51

Industry

BFH

Credit Services

BH-A

Restaurants

P/E Ratio

Winner

BFH

8.25

BH-A

192.33

Forward P/E

BFH

10.05

BH-A

N/A

PEG Ratio

BFH

0.14

BH-A

N/A

Dividend Yield

BFH

0.83%

BH-A

N/A

5Y Dividends CAGR

BFH

6.07%

BH-A

N/A

5Y EPS CAGR

BFH

27.69%

BH-A

N/A

Debt to Equity

Winner

BFH

0.00%

BH-A

40.64%

Free Cash Flow Yield

Winner

BFH

51.26%

BH-A

1.90%

P/S Ratio

BFH

N/A

BH-A

3.32

P/B Ratio

BFH

N/A

BH-A

1.70

BFH vs BH-A - Historical Returns

Returns include dividend reinvestment.

Period	BFH	BH-A
1 month	+14.86%	-4.43%
3 months	+34.20%	+41.76%
6 months	+55.14%	-5.32%
1 year	+84.51%	+37.60%
5 years(CAGR)	+10.59%	+16.26%
10 years(CAGR)	-2.92%	+6.06%
Max(CAGR)	+10.62%	+6.06%

Winner

BFH

+14.86%

BH-A

-4.43%

BFH

+34.20%

Winner

BH-A

+41.76%

Winner

BFH

+55.14%

BH-A

-5.32%

Winner

BFH

+84.51%

BH-A

+37.60%

5Y(CAGR)

BFH

+10.59%

Winner

BH-A

+16.26%

10Y(CAGR)

BFH

-2.92%

Winner

BH-A

+6.06%

Max(CAGR)

Winner

BFH

+10.62%

BH-A

+6.06%

BFH vs BH-A - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	BFH	BH-A
2026	+49.10%	+5.37%
2025	+24.24%	+37.01%
2024	+88.60%	+60.59%
2023	-10.91%	+14.88%
2022	-44.18%	-1.08%
2021	+18.69%	+20.87%
2020	-32.82%	-0.68%
2019	-26.40%	-5.44%
2018	-40.61%	-50.01%
2017	+9.77%	N/A
2016	-15.69%	N/A
2015	-3.08%	N/A
2014	+9.04%	N/A
2013	+76.42%	N/A
2012	+40.87%	N/A
2011	+43.19%	N/A
2010	+7.80%	N/A
2009	+35.69%	N/A
2008	-37.27%	N/A
2007	+17.06%	N/A
2006	+69.02%	N/A
2005	-23.70%	N/A
2004	+69.57%	N/A
2003	+53.78%	N/A
2002	+1.20%	N/A
2001	+48.91%	N/A

BFH vs BH-A Drawdown Comparison

The maximum drawdown for BFH was -92.35%, occurring on Mar 18, 2020. This drawdown has not yet recovered.

The maximum drawdown for BH-A was -77.48%, occurring on May 15, 2020. Recovery took 1668 trading sessions.

The current BFH drawdown is -47.46%. The current BH-A drawdown is -22.30%.

Rank	BFH	BH-A
#1	-92.35% Apr 23, 2015 - Mar 18, 2020	-77.48% May 1, 2018 - Dec 16, 2024
#2	-70.54% Oct 24, 2007 - Mar 4, 2011	-45.84% Jan 21, 2026 - May 11, 2026
#3	-46.63% Apr 1, 2002 - Jul 8, 2003	-24.85% Dec 26, 2024 - Jun 18, 2025
#4	-32.42% Dec 29, 2004 - Apr 20, 2006	-22.73% Oct 27, 2025 - Dec 23, 2025
#5	-32.24% Jul 18, 2001 - Nov 19, 2001	-13.54% Jul 23, 2025 - Aug 15, 2025
#6	-20.86% Jul 3, 2006 - Oct 19, 2006	-8.99% Dec 17, 2024 - Dec 26, 2024
#7	-20.59% Mar 20, 2014 - Jan 21, 2015	-7.47% Dec 23, 2025 - Jan 6, 2026
#8	-18.67% Jul 26, 2011 - Oct 24, 2011	-5.99% Aug 28, 2025 - Oct 2, 2025
#9	-15.88% Jan 31, 2007 - May 17, 2007	-5.15% Aug 15, 2025 - Aug 27, 2025
#10	-15.43% Jun 30, 2004 - Oct 14, 2004	-3.02% Oct 9, 2025 - Oct 13, 2025
#11	-15.18% Jan 30, 2002 - Mar 4, 2002	-2.74% Jun 23, 2025 - Jul 8, 2025
#12	-11.77% Dec 1, 2003 - Jan 29, 2004	-2.20% Jan 16, 2026 - Jan 21, 2026
#13	-11.33% Oct 28, 2011 - Dec 5, 2011	-2.01% Jul 9, 2025 - Jul 17, 2025
#14	-11.19% Jan 3, 2014 - Feb 7, 2014	-1.31% Oct 15, 2025 - Oct 17, 2025
#15	-10.81% Aug 29, 2003 - Nov 26, 2003	-1.00% Oct 2, 2025 - Oct 7, 2025