Biglari Holdings Inc.
Biglari Holdings Inc. is classed by the SEC under Retail-Eating Places (industry code 5812), based in San Antonio, TX. Its filings are on EDGAR under CIK 1726173; the figures the desk reads are not on file yet.
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a retail business: prior from its industry code (SEC 5812, Retail-Eating Places); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.9 out of ten, 7 of 9 metrics filed and 2 estimated: past 3.9 out of ten, present 4.7 out of ten, future 5.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.6 out of ten. No warning events in its filings since 2017. 76th percentile among 43 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 0.8 out of ten. -9.2% a year over 8 filed years; profitable in 4 of 8. 8th percentile among 42 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 1.1 out of ten. CrossAssetData estimate 1.1/10, confidence 35 of 100 (one part). 12th percentile among 42 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Financial health (present): 4.5 out of ten. ROE -7%: lost 7¢ per shareholder dollar. Leverage 49%: owes 49¢ per asset dollar. 46th percentile among 41 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 2.7 out of ten. bottom 27% of 43 in its family; net margin -9.5%. 27th percentile among 43 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 8.2 out of ten. CrossAssetData estimate 8.2/10, confidence 35 of 100 (one part). 82nd percentile among 36 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Room to expand (future): 7.0 out of ten. top 30% of 41 in its family for room to expand. 70th percentile among 41 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 6.8 out of ten. top 32% of 42 in its family for growth drivers. 68th percentile among 42 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.7 out of ten. bottom 37% of 39 in its family for expectations against reality. 37th percentile among 39 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-02 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-07 (on EDGAR). Newest filing: Form 4, 2026-08-11. Filings on record since 2017. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Restaurant Operations 71%, Insurance Operations 19%, Oil and Gas 8%, Gift Cards 1%, Advertising 1%, Franchise under 1%. As tagged in its annual report (Form 10-K, filed 2026-03-02).
Who runs it
Biglari,, Sardar (Chairman and CEO). 1 officer or director has filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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