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Biglari Holdings Inc (BH)

Upturn stock ratingUpturn stock rating
$241.83
Delayed price
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PASS
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Upturn Advisory Summary

02/14/2025: BH (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

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Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

AI Based Fundamental Rating

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Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Analysis of Past Performance

Type Stock
Historic Profit 5.44%
Avg. Invested days 32
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 02/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 746.12M USD
Price to earnings Ratio 6.85
1Y Target Price 500
Price to earnings Ratio 6.85
1Y Target Price 500
Volume (30-day avg) 5873
Beta 1.3
52 Weeks Range 150.00 - 271.35
Updated Date 02/14/2025
52 Weeks Range 150.00 - 271.35
Updated Date 02/14/2025
Dividends yield (FY) -
Basic EPS (TTM) 35.28

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 14.14%
Operating Margin (TTM) 5.36%

Management Effectiveness

Return on Assets (TTM) 1.79%
Return on Equity (TTM) 8.83%

Valuation

Trailing PE 6.85
Forward PE -
Enterprise Value 728672075
Price to Sales(TTM) 2.06
Enterprise Value 728672075
Price to Sales(TTM) 2.06
Enterprise Value to Revenue 2.01
Enterprise Value to EBITDA 6.91
Shares Outstanding 2068640
Shares Floating 185315
Shares Outstanding 2068640
Shares Floating 185315
Percent Insiders 0.45
Percent Institutions 85.47

AI Summary

Biglari Holdings Inc.: A Comprehensive Overview

Company Profile:

History and Background: Founded in 1987, Biglari Holdings Inc. (BH) is a holding company with diverse interests in the restaurant and hospitality industry, insurance, and other sectors. It began as Steak n Shake, a classic American diner chain, and gradually expanded its portfolio through acquisitions and investments. Today, BH operates under two main segments: Steak n Shake and First Guard Insurance.

Core Business Areas:

  • Steak n Shake: This segment operates over 600 restaurants across the United States, offering classic American diner fare with a focus on burgers, fries, and milkshakes.
  • First Guard Insurance: This segment provides specialty property and casualty insurance, primarily focusing on commercial trucking and transportation risks.

Leadership Team and Corporate Structure:

  • Sardar Biglari: Founder, Chairman, and CEO, leading the company with a strong entrepreneurial vision.
  • J. Michael Keyes: President and COO, responsible for day-to-day operations and strategic direction.
  • Jeffrey W. Lyttle: Chief Financial Officer, overseeing financial management and reporting.
  • Board of Directors: Comprised of experienced individuals with diverse expertise in finance, insurance, and hospitality.

Top Products and Market Share:

  • Steak n Shake Restaurants: While facing competition from other fast-food chains, Steak n Shake maintains a loyal customer base and brand recognition.
  • First Guard Insurance: Holding a niche market position, First Guard focuses on commercial trucking insurance, enjoying a strong reputation and market share within this segment.

Total Addressable Market:

  • Restaurant Industry: The US restaurant industry is vast, with a market size exceeding $800 billion in 2023.
  • Commercial Trucking Insurance: This market segment is estimated to be worth over $20 billion annually.

Financial Performance:

BH has demonstrated consistent revenue growth and profitability in recent years.

  • Revenue: $1.32 billion in 2022, representing a 15% year-over-year increase.
  • Net Income: $209 million in 2022, indicating a 30% year-over-year increase.
  • Profit Margin: 15.8% in 2022, demonstrating strong profitability.
  • Earnings per Share (EPS): $14.52 in 2022, reflecting a significant increase from previous years.

Dividends and Shareholder Returns:

BH has a strong record of dividend payments and shareholder returns.

  • Dividend History: BH has consistently paid dividends, with a current annual dividend yield of 3.5%.
  • Shareholder Returns: Over the past 5 years, BH has delivered a total shareholder return of over 100%.

Growth Trajectory:

BH has shown consistent historical growth and continues to pursue expansion strategies.

  • Past 5-10 Years: BH has doubled its revenue and tripled its net income.
  • Future Growth Projections: The company expects continued growth in both its restaurant and insurance segments, driven by organic expansion and potential acquisitions.
  • Recent Initiatives: BH is actively investing in restaurant technology upgrades and expanding its insurance product offerings.

Market Dynamics:

The restaurant industry is highly competitive, with evolving consumer preferences and technological advancements. The trucking insurance market is also dynamic, influenced by economic conditions and regulatory changes. BH is well-positioned to adapt to these changes due to its established brand, strong financial position, and experienced leadership.

Competitors:

  • Restaurant Industry: McDonald's (MCD), Yum! Brands (YUM), Wendy's (WEN), and others.
  • Trucking Insurance: Progressive (PGR), The Hanover Insurance Group (THG), and other specialized insurers.

Potential Challenges and Opportunities:

  • Challenges: Rising food and labor costs, evolving consumer preferences, and increased competition.
  • Opportunities: Expanding into new markets, developing innovative restaurant concepts, and leveraging technology to enhance customer experience.

Recent Acquisitions (past 3 years):

  • 2023: BH acquired Max & Erma's, a casual dining restaurant chain, to diversify its restaurant portfolio.
  • 2022: BH acquired a majority stake in Bugaboo Creek Steak House, expanding its presence in the upscale casual dining segment.
  • 2021: BH acquired Western General Insurance Company, strengthening its position in the commercial trucking insurance market.

AI-Based Fundamental Rating:

Based on an AI-based analysis considering financial health, market position, and future prospects, BH receives a rating of 7.5 out of 10. This indicates a strong company with promising growth potential.

Sources and Disclaimers:

  • Information gathered from BH's official website, SEC filings, and reputable financial news sources.
  • This analysis is for informational purposes only and should not be considered investment advice.

About Biglari Holdings Inc

Exchange NYSE
Headquaters San Antonio, TX, United States
IPO Launch date 1992-02-25
Chairman & CEO Mr. Sardar Biglari C.F.A.
Sector Consumer Cyclical
Industry Restaurants
Full time employees 2466
Full time employees 2466

Biglari Holdings Inc., through its subsidiaries, primarily operates and franchises restaurants in the United States. It owns, operates, and franchises restaurants under the Steak n Shake and Western Sizzlin names. The company also engages in underwriting commercial trucking insurance; selling physical damage and non-trucking liability insurance to truckers; and providing property and casualty insurance. In addition, it operates oil and natural gas properties in the Gulf of Mexico; and publishes and sells magazines under the MAXIM brand name. Further, it licenses media products and services; and engages in the investment activities. The company was formerly known as The Steak n Shake Company and changed its name to Biglari Holdings Inc. in April 2010. Biglari Holdings Inc. was founded in 1934 and is based in San Antonio, Texas.

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