BH-A vs PFSI

Comparison between Biglari Holdings Inc - Class A (BH-A, Company) and PennyMac Financial Services Inc (PFSI, Company).

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

5-Year PerformanceBH-A has outperformed PFSI, delivering a return of +16.6% compared to +7.0%

BH-A vs PFSI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BH-A(COMPANY)	PFSI(COMPANY)
Market Cap	$4.28B	$4.28B
Max Drawdown	77.48%	56.63%
Sharpe Ratio	0.71	-0.05
5Y Beta	0.53	0.64
Industry	Restaurants	Mortgage Finance
P/E Ratio	192.33	8.43
Forward P/E	N/A	5.43
PEG Ratio	N/A	0.19
Dividend Yield	N/A	1.44%
5Y Dividends CAGR	N/A	11.38%
5Y EPS CAGR	N/A	-2.16%
Debt to Equity	40.64%	144.02%
Free Cash Flow Yield	1.90%	-95.24%
P/S Ratio	3.32	N/A
P/B Ratio	1.70	N/A

Market Cap

Winner

BH-A

$4.28B

PFSI

$4.28B

Max Drawdown

BH-A

77.48%

Winner

PFSI

56.63%

Sharpe Ratio

Winner

BH-A

0.71

PFSI

-0.05

5Y Beta

Winner

BH-A

0.53

PFSI

0.64

Industry

BH-A

Restaurants

PFSI

Mortgage Finance

P/E Ratio

BH-A

192.33

Winner

PFSI

8.43

Forward P/E

BH-A

N/A

PFSI

5.43

PEG Ratio

BH-A

N/A

PFSI

0.19

Dividend Yield

BH-A

N/A

PFSI

1.44%

5Y Dividends CAGR

BH-A

N/A

PFSI

11.38%

5Y EPS CAGR

BH-A

N/A

PFSI

-2.16%

Debt to Equity

Winner

BH-A

40.64%

PFSI

144.02%

Free Cash Flow Yield

Winner

BH-A

1.90%

PFSI

-95.24%

P/S Ratio

BH-A

3.32

PFSI

N/A

P/B Ratio

BH-A

1.70

PFSI

N/A

BH-A vs PFSI - Historical Returns

Returns include dividend reinvestment.

Period	BH-A	PFSI
1 month	+19.72%	-4.73%
3 months	+6.43%	-5.21%
6 months	+1.17%	-37.36%
1 year	+28.11%	-11.93%
5 years(CAGR)	+16.55%	+6.96%
10 years(CAGR)	+4.80%	+21.19%
Max(CAGR)	+4.80%	+12.67%

Winner

BH-A

+19.72%

PFSI

-4.73%

Winner

BH-A

+6.43%

PFSI

-5.21%

Winner

BH-A

+1.17%

PFSI

-37.36%

Winner

BH-A

+28.11%

PFSI

-11.93%

5Y(CAGR)

Winner

BH-A

+16.55%

PFSI

+6.96%

10Y(CAGR)

BH-A

+4.80%

Winner

PFSI

+21.19%

Max(CAGR)

BH-A

+4.80%

Winner

PFSI

+12.67%

BH-A vs PFSI - Annual Returns (2013 - 2026)

Returns include dividend reinvestment.

Year	BH-A	PFSI
2026	-5.26%	-36.94%
2025	+37.01%	+33.53%
2024	+60.59%	+17.54%
2023	+14.88%	+54.87%
2022	-1.08%	-17.98%
2021	+20.87%	+13.59%
2020	-0.68%	+98.91%
2019	-5.44%	+59.37%
2018	-50.01%	-6.84%
2017	N/A	+33.43%
2016	N/A	+10.05%
2015	N/A	-10.28%
2014	N/A	-2.43%
2013	N/A	-8.12%

BH-A vs PFSI 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 PFSI was -56.49%, occurring on Mar 19, 2020. Recovery took 88 trading sessions.

The current BH-A drawdown is -30.14%. The current PFSI drawdown is -47.99%.

Rank	BH-A	PFSI
#1	-77.48% May 1, 2018 - Dec 16, 2024	-56.49% Feb 7, 2020 - Jun 15, 2020
#2	-45.84% Jan 21, 2026 - May 11, 2026	-51.85% May 21, 2013 - Jan 2, 2018
#3	-24.85% Dec 26, 2024 - Jun 18, 2025	-49.77% Jan 16, 2026 - Jun 8, 2026
#4	-22.73% Oct 27, 2025 - Dec 23, 2025	-43.27% Dec 30, 2021 - Feb 2, 2023
#5	-13.54% Jul 23, 2025 - Aug 15, 2025	-23.92% Oct 15, 2020 - Dec 22, 2020
#6	-8.99% Dec 17, 2024 - Dec 26, 2024	-22.97% Sep 16, 2024 - Sep 4, 2025
#7	-7.47% Dec 23, 2025 - Jan 6, 2026	-22.94% Feb 16, 2018 - Feb 22, 2019
#8	-5.99% Aug 28, 2025 - Oct 2, 2025	-22.83% Feb 2, 2023 - Jul 12, 2023
#9	-5.15% Aug 15, 2025 - Aug 27, 2025	-22.69% Jul 26, 2023 - Dec 12, 2023
#10	-3.02% Oct 9, 2025 - Oct 13, 2025	-18.65% Dec 22, 2020 - Aug 6, 2021
#11	-2.74% Jun 23, 2025 - Jul 8, 2025	-15.70% Feb 22, 2019 - Aug 2, 2019
#12	-2.20% Jan 16, 2026 - Jan 21, 2026	-13.02% Aug 6, 2021 - Dec 8, 2021
#13	-2.01% Jul 9, 2025 - Jul 17, 2025	-10.50% Jan 5, 2018 - Feb 16, 2018
#14	-1.31% Oct 15, 2025 - Oct 17, 2025	-10.35% Dec 14, 2023 - Feb 2, 2024
#15	-1.00% Oct 2, 2025 - Oct 7, 2025	-9.88% Sep 18, 2025 - Oct 22, 2025