Arcos Dorados Holdings Inc. (ARCO)

NYSE: ARCO · Retail-Eating Places · Montevideo, UY · filing with the SEC since 2011

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Grade6.1

◀ Past 5.6● Present 6.4▶ Future 5.9

1 est.

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The grade of Arcos Dorados Holdings Inc.

Nine metrics read from its own filings, by tense

Headline grade

6.1/10

◀ Past5.625% of the headline

● Present6.445% of the headline

▶ Future5.930% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.6/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed

7.6/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 76th percentile among 43 sector filers · read for itself

From the record

Arcos Dorados Holdings Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

3.8/10

What has it actually done, year after year?

+5.3% a year over 10 filed years; profitable in 9 of 10.

weight 33% of this tense · 38th percentile among 42 sector filers · read for its customers

From the record

Arcos Dorados Holdings Inc.'s 10 filed years say what it did: revenue went from $2.9 billion in fiscal 2016 to $4.7 billion in fiscal 2025, up 5.3% a year; it rose in 6 of 9 years; the deepest fall was 40% from fiscal 2017 to fiscal 2020; net income was positive in 9 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span5.3%bottom 42% of its family
the share of years revenue rosebottom 35% of its family
the share of filed years with a profittop 31% of its family
the deepest fall from a revenue peak40.2%bottom 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

4.0/10

How has it treated the people who own it?

Share count steady. 15% of cash flow returned. Insiders: 4 sales, 0 purchases.

weight 22% of this tense · 40th percentile among 37 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Arcos Dorados Holdings Inc.'s diluted share count held steady, and dividends and buybacks returned about 15% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 4 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearsbottom 44% of its family
cash returned against operating cash flowbottom 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.4/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

6.8/10

Is it financially healthy right now?

ROE 28%: 28¢ of profit per shareholder dollar. Leverage 80%: owes 80¢ per asset dollar.

weight 45% of this tense · 68th percentile among 41 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Arcos Dorados Holdings Inc. earned about 28 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 118 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 80 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 46% of its family
return on equitytop 22% of its family
gross profit against assetstop 3% of its family
the share count against the year beforetop 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

6.9/10

How strong is its position in its industry?

top 31% of 43 in its family; net margin 4.5%.

weight 33% of this tense · 69th percentile among 43 sector filers · read for its customers

From the record

Arcos Dorados Holdings Inc.'s standing among 43 graded names in its industry family: revenue of $4.7 billion in fiscal 2025 ranks in the top 23% by size; a net margin of 4.5% ranks in the top 31%; revenue growth of 8.9% a year over the last 3 filed years ranks in the top 38% (its annual reports).

What it rests on

revenue against the family$4.68Btop 23% of its family
net margin4.5%top 31% of its family
three-year revenue growth8.9%top 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 34 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 34 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 34 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Arcos Dorados Holdings Inc.'s leadership is put at 5.0 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 34 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.9/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

5.6/10

How much room does it have to grow?

top 44% of 41 in its family for room to expand.

weight 22% of this tense · 56th percentile among 41 sector filers · read for itself

From the record

Arcos Dorados Holdings Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $373 million against debt of $1.1 billion leaves -19.4% of its assets as net cash, bottom 38% of its family; cash from operations less capital spending is 0.3% of revenue (bottom 35%); a gross margin of 98.1% (top 3%) (its annual report).

What it rests on

cash less debt against assets-19.4%bottom 38% of its family
cash from operations less capital spending against revenue0.3%bottom 35% of its family
gross margin98.1%top 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

5.9/10

What could actually drive growth from here?

top 41% of 42 in its family for growth drivers.

weight 45% of this tense · 59th percentile among 42 sector filers · read for its customers

From the record

Arcos Dorados Holdings Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 8.9% a year over the last three filed years against 5.3% over all 10, speeding up (top 20% of its family); the newest year grew 4.7% (bottom 46%); capital spending grew 9% a year (top 49%) (its annual reports). Arcos Dorados Holdings Inc. reported 4 product lines in fiscal 2025: Product at $4.5 billion (95%), Franchise Rental Income at $212 million (5%), Franchise Initial Fees at $469 thousand (0%), and 1 more; 3 of 4 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span+3.6 points a yeartop 20% of its family
the newest year's revenue growth4.7%bottom 46% of its family
three-year growth of capital spending9.0%top 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

6.1/10

Did its newest year beat what its own record pointed to?

top 39% of 39 in its family for expectations against reality.

weight 33% of this tense · 61st percentile among 39 sector filers · read for its shareholders

From the record

Arcos Dorados Holdings Inc.'s newest year against its own record: revenue of $4.7 billion in fiscal 2025 came in 5.8% below the $5.0 billion its prior three years' pace pointed to (bottom 32% of its family); net income of $212 million against a prior three-year average of $157 million (top 19%); a net margin of 4.5% against 3.8% before (top 29%) (its annual reports).

What it rests on

revenue against the prior three years' pace-5.8%bottom 32% of its family
net income against the prior three years' average+35%top 19% of its family
net margin against its prior average+0.7 pointstop 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton ARCO · research, not advice