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Biglari (BH_A) - 2024 Q3 - Quarterly Report
BH_ABiglari (BH_A)2024-11-08 21:09

Financial Performance - Net earnings attributable to Biglari Holdings Inc. shareholders for Q3 2024 were 32,125,comparedtoalossof32,125, compared to a loss of 56,514 in Q3 2023, marking a significant recovery [100]. - Net sales for Q3 2024 were 39,660,anincreaseof39,660, an increase of 465 or 1.2% compared to Q3 2023, driven by a 5.4% increase in same-store sales at Steak n Shake [107]. - Total revenue for Q3 2024 was 62,384,upfrom62,384, up from 61,886 in Q3 2023, reflecting growth in both company-operated and franchise operations [106]. - Investment partnership gains for Q3 2024 were 26,447,asignificantrecoveryfromalossof26,447, a significant recovery from a loss of 68,377 in Q3 2023, contributing positively to overall earnings [100]. - Net sales for the third quarter of 2024 were 82,553,upfrom82,553, up from 81,780 in 2023, while net sales for the first nine months of 2024 reached 246,811comparedto246,811 compared to 242,741 in 2023 [118]. Cost and Expenses - Franchise partner fees decreased to 17,157inQ32024from17,157 in Q3 2024 from 17,622 in Q3 2023, attributed to higher food and labor expenses for franchise partners [109]. - The cost of food at company-operated units was 12,218or30.812,218 or 30.8% of net sales in Q3 2024, compared to 11,888 or 30.3% in Q3 2023, indicating a slight increase in food costs [111]. - Labor costs at company-operated restaurants rose to 13,158or33.213,158 or 33.2% of net sales in Q3 2024, up from 12,192 or 31.1% in Q3 2023, primarily due to an increase in store-level management [112]. - General and administrative expenses for Q3 2024 were 10,355or16.610,355 or 16.6% of total revenue, down from 10,720 or 17.3% in Q3 2023, reflecting improved cost management [113]. - Cost of food as a percentage of net sales increased to 30.4% in Q3 2024 from 28.8% in Q3 2023, while labor costs rose to 27.2% from 26.6% [118]. Operational Metrics - The company operated 468 restaurants as of September 30, 2024, a decrease from 492 restaurants at the end of 2023, due to closures and transitions to franchise operations [102]. - The company recorded no impairment charges in Q3 2024, compared to 752inQ32023,indicatingimprovedperformanceofitsassets[114].InsuranceOperationsUnderwritinggainforFirstGuardinQ32024was752 in Q3 2023, indicating improved performance of its assets [114]. Insurance Operations - Underwriting gain for First Guard in Q3 2024 was 1,366, down from 2,362inQ32023,withanetunderwritinggainof2,362 in Q3 2023, with a net underwriting gain of 1,800 compared to 1,735inthesameperiod[120].PremiumswrittenbySouthernPioneerincreasedby1,735 in the same period [120]. - Premiums written by Southern Pioneer increased by 1,817 (9.0%) in 2024 compared to 2023, with a loss ratio of 47.9% in Q3 2024 versus 60.5% in Q3 2023 [126]. - Total other income for the insurance operations was 845inQ32024,downfrom845 in Q3 2024, down from 1,155 in Q3 2023 [123]. - Net investment income for the insurance operations was 645inQ32024,comparedto645 in Q3 2024, compared to 658 in Q3 2023 [128]. - Pre-tax underwriting gain for the first nine months of 2024 was 3,683,downfrom3,683, down from 6,651 in the same period of 2023 [123]. Cash Flow and Investments - Total cash and investments as of September 30, 2024, amounted to 624,382million,anincreasefrom624,382 million, an increase from 592,717 million at the end of 2023 [147]. - Net cash provided by operating activities for the first nine months of 2024 was 31,665million,down34.931,665 million, down 34.9% from 48,676 million in the same period of 2023 [149]. - Cash used in investing activities decreased by 21,310millionin2024comparedto2023,primarilyduetoadecreaseininvestments[150].DebtandCreditInterestexpenseonnotespayableforQ32024was21,310 million in 2024 compared to 2023, primarily due to a decrease in investments [150]. Debt and Credit - Interest expense on notes payable for Q3 2024 was 275 million, a slight increase from 262millioninQ32023[144].BiglariHoldingslineofcreditwasincreasedto262 million in Q3 2023 [144]. - Biglari Holdings' line of credit was increased to 35 million as of September 13, 2024, maturing on September 13, 2026 [151]. - The balance of the line of credit was 9milliononSeptember30,2024,withnobalanceonDecember31,2023[151].Theinterestratesonthelineofcreditwere7.719 million on September 30, 2024, with no balance on December 31, 2023 [151]. - The interest rates on the line of credit were 7.71% and 8.06% as of September 30, 2024, and December 31, 2023, respectively [151]. - Western Sizzlin had an available line of credit of 500,000 with no debt outstanding as of September 30, 2024, and December 31, 2023 [152]. Accounting and Controls - There have been no material changes to critical accounting policies since the annual report for the year ended December 31, 2023 [153]. - No recently issued accounting pronouncements were applicable for the Quarterly Report on Form 10-Q [154]. - Disclosure controls and procedures were deemed effective as of September 30, 2024 [158]. - There were no changes in internal control over financial reporting that materially affected the company during the quarter ended September 30, 2024 [159]. - There have been no material changes in risk factors since the previous annual report for the year ended December 31, 2023 [160]. Oil and Gas Operations - Oil and gas revenues for Q3 2024 were 9,574million,down21.19,574 million, down 21.1% from 12,159 million in Q3 2023 [131]. - Oil and gas production costs increased to 4,425millioninQ32024from4,425 million in Q3 2024 from 3,771 million in Q3 2023, representing a 17.3% rise [131]. - Contribution to net earnings for Q3 2024 was 599million,asignificantdecreaseof95.9599 million, a significant decrease of 95.9% compared to 14,631 million in Q3 2023 [131]. - Abraxas Petroleum recorded a gain of 16,700millionfromsellingundevelopedreservesduringthefirstninemonthsof2024[132].InvestmentgainsnetoftaxforQ32024were16,700 million from selling undeveloped reserves during the first nine months of 2024 [132]. - Investment gains net of tax for Q3 2024 were 3,706 million, compared to losses of $3,710 million in Q3 2023 [138].