BH-A vs BFH

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

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

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

BH-A vs BFH - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

BH-A

$4.28B

BFH

$4.28B

Max Drawdown

Winner

BH-A

77.48%

BFH

92.70%

Sharpe Ratio

BH-A

0.84

Winner

BFH

1.75

5Y Beta

Winner

BH-A

0.51

BFH

1.40

Industry

BH-A

Restaurants

BFH

Credit Services

P/E Ratio

BH-A

192.33

Winner

BFH

8.25

Forward P/E

BH-A

N/A

BFH

10.05

PEG Ratio

BH-A

N/A

BFH

0.14

Dividend Yield

BH-A

N/A

BFH

0.83%

5Y Dividends CAGR

BH-A

N/A

BFH

6.07%

5Y EPS CAGR

BH-A

N/A

BFH

27.69%

Debt to Equity

BH-A

40.64%

Winner

BFH

0.00%

Free Cash Flow Yield

BH-A

1.90%

Winner

BFH

51.26%

P/S Ratio

BH-A

3.32

BFH

N/A

P/B Ratio

BH-A

1.70

BFH

N/A

BH-A vs BFH - Historical Returns

Returns include dividend reinvestment.

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

BH-A

-4.43%

Winner

BFH

+14.86%

Winner

BH-A

+41.76%

BFH

+34.20%

BH-A

-5.32%

Winner

BFH

+55.14%

BH-A

+37.60%

Winner

BFH

+84.51%

5Y(CAGR)

Winner

BH-A

+16.26%

BFH

+10.59%

10Y(CAGR)

Winner

BH-A

+6.06%

BFH

-2.92%

Max(CAGR)

BH-A

+6.06%

Winner

BFH

+10.62%

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

Returns include dividend reinvestment.

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

BH-A vs BFH Drawdown Comparison

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

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

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

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