Stock Ratings / Consumer Discretionary / BH / dividends

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Biglari Holdings Inc. (Class B) (BH) Dividend Safety Gauge & 10-Year DRIP Compounder

$390.32 +1.47% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $390.61

Biglari Holdings Inc. (Class B) (BH) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $908.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BH Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Biglari Holdings Inc. (Class B) (NYSE: BH) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $390.32 (+1.47% 1D, market cap $908.1M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 11/20. Across 1011 tracked Consumer Discretionary issuers, BH ranks #327 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BH compare to BLMN and FWRG in the Consumer Discretionary sector?

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Within the Consumer Discretionary sector (Restaurants), BH carries a Roarable C- (61/100 RQD), trailing P/E of N/A, gross margin of 59.2%, and ROIC of -7.2%. By comparison, BLMN (Bloomin' Brands Inc.) holds a C- grade (60/100 RQD, P/E 111.1x, ROIC 10.7%, cap $915.3M) and FWRG (First Watch Restaurant Group Inc.) posts a D- grade (37/100 RQD, P/E 39.7x, ROIC 3.6%, cap $772.0M). Among the 5-stock peer group, FWRG leads on earnings multiple (39.7x) while BLMN leads on capital efficiency (10.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BH?

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Per BH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001726173), Biglari Holdings Inc. (Class B) generated $395.3M in revenue (+9.2% YoY), -$37.5M in net income, and $76.6M in free cash flow against $1.03B in total assets and $213.9M in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $390.59 (+0.07%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 19.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+1.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BH)Realized 20D OHLCV Swing Band: ±8.2%

Deterministic 5-Pillar Attribution (61/100 Composite)

🔍 WHY BH SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Macro Regime Fit+13/20 pts (21% of score)

FRED Regime × Technicals: 62% of 52W Range • RSI-14 at 50.9 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution11/20 pts (-9 pt drag)

Cannibal Buyback (-0.96% YoY Shares) & executive Form 4 sales trim 9 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$365.54+23% Next Q

Q2 (-2Q)

Grade C$449.78-13.5% Next Q

Q3 (-1Q)

Grade C$389.11+0.3% Next Q

Current

Grade C-$390.32+0.5% Hist 90D α

Trajectory: C- (53) → C- (61)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, BH faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 56.7% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($376.42) or 200D SMA ($357.01) invalidates the momentum regime and cuts Target Base ($395.59) toward Bear Floor ($308.56).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 61%NO 39%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.9% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,488

Est. Year-10 Shareholder Yield: $351/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.1K

Yr 4

$14.0K

Yr 5

$14.9K

Yr 6

$16.0K

Yr 7

$17.1K

Yr 8

$18.2K

Yr 9

$19.5K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in BH & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on BH and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

BH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +36.95%📐 HORIZONTAL RANGE

2026-11-02O $384.7H $390.3L $384.7C $390.3VOL 48.0K

RES: $470.1SUP: $323.7SMA50: $376.4SMA200: $357.0

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BH Butterfly Map → + Track BH →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +9.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BH)

Consumer Discretionary Rank #327 of 1011 ⚔️ BLMN vs BH Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (BH vs. BLMN, FWRG, CNNE, HDL)

Industry: Restaurants (51 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Biglari Holdings Inc. (Class B) (BH) ranks #327 by composite RQD confidence (61/100, grade C-) and #525 by equity capitalization ($908.1M). Within this direct 5-issuer industry benchmark cohort, FWRG leads on earnings valuation at 39.7x trailing P/E, while BLMN leads on capital efficiency and profitability with 10.7% ROIC and 70.2% gross margin. BH currently leads its immediate peer cohort in composite quantitative strength at 61/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BH ACTIVE Biglari Holdings Inc. (Class B)	C-	61/100	—	59.2%	-7.2%	+1.47%	$908.1M	Benchmark Subject
BLMN Bloomin' Brands Inc.	C-	60/100	111.1x	70.2%	10.7%	+7.01%	$915.3M	/blmn-vs-bh →
FWRG First Watch Restaurant Group Inc.	D-	37/100	39.7x	—	3.6%	+8.31%	$772.0M	/fwrg-vs-bh →
CNNE Cannae Holdings Inc.	E	34/100	—	15.5%	-10.6%	+1.78%	$743.9M	/cnne-vs-bh →
HDL SUPER HI INTERNATIONAL HOLDING LTD.	D	46/100	—	—	—	0.00%	$643.8M	/hdl-vs-bh →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001726173

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Biglari Holdings Inc. (Class B) (BH) reported GAAP revenue of $395.3M (+9.2% vs. FY2024 revenue of $362.1M , and +8.2% cumulative change since FY2023) , GAAP net income of -$37.5M, operating cash flow of $107.0M, and free cash flow of $76.6M (+301.8% YoY). On the balance sheet, BH closed FY2025 with $1.03B in total assets against $213.9M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$395.3M	-$37.5M	$107.0M	$76.6M	$1.03B	$213.9M
FY2024 (FY)	2024-12-31	$362.1M	-$3.8M	$49.7M	$19.1M	$866.1M	$10.0M
FY2023 (FY)	2023-12-31	$365.3M	$54.9M	$73.0M	$73.0M	—	—

3. BH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does BH compare to BLMN and FWRG in the Consumer Discretionary sector?

What are the biggest fundamental strengths and SEC risk factors for BH?

Where is BH trading relative to its 50-day, 200-day, and 52-week technical levels?

BH last traded at $390.32 (+1.47% on volume of 47,961 shares), positioning the stock +3.69% above its 50-day simple moving average ($376.42) and +9.33% above its 200-day simple moving average ($357.01). Across its 52-week range of $234.92 to $483.60, BH sits at the 62.5% percentile with a 14-day RSI of 50.9 (NEUTRAL RANGE) and an implied next-earnings move of ±8.2% ($358.31 to $422.33).

BH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does BH pay a dividend and is it safe?

Biglari Holdings Inc. (Class B) (BH) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: BH RQD Cockpit BH 12M Forecast BH Earnings & Move BH Dividends & DRIP BH Insiders & 13F BH Whale Options BH Profit Sankey BH News & Why