Company Analysis

El Pollo Loco Holdings, Inc. (LOCO)

Nasdaq: LOCO · Retail-Eating Places · Costa Mesa, CA · filing with the SEC since 2014
Grade5.1
◀ Past 4.6● Present 5.2▶ Future 5.5

The grade of El Pollo Loco Holdings, Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.1/10
◀ Past4.625% of the headline
● Present5.245% of the headline
▶ Future5.530% of the headline

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

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

4.6/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed
2.4/10

Has it survived what it has been through?

1 warning event since 2017; the latest 2017-04-05.

weight 45% of this tense · 24th percentile among 43 sector filers · read for itself

From the record

El Pollo Loco Holdings, Inc.'s filings since 2017 show 1 warning event: a notice about its exchange listing (8-K item 3.01, the latest 2017-04-05) (its current reports).

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

Track record

as filed
5.1/10

What has it actually done, year after year?

+1.7% a year over 8 filed years; profitable in 7 of 8.

weight 33% of this tense · 51st percentile among 42 sector filers · read for its customers

From the record

El Pollo Loco Holdings, Inc.'s 8 filed years say what it did: revenue went from $436 million in fiscal 2018 to $490 million in fiscal 2025, up 1.7% a year; it rose in 5 of 7 years; the deepest fall was 4% from fiscal 2019 to fiscal 2020; net income was positive in 7 of 8 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span1.7%bottom 23% of its family
  • the share of years revenue rosebottom 42% of its family
  • the share of filed years with a profittop 37% of its family
  • the deepest fall from a revenue peak3.7%top 23% of its family

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

Shareholder treatment

as filed
8.3/10

How has it treated the people who own it?

Share count shrank 7.0% a year. 60% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 22% of this tense · 83rd percentile among 37 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, El Pollo Loco Holdings, Inc.'s diluted share count shrank about 7.0% a year, and dividends and buybacks returned about 60% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-11-06 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 9% of its family
  • cash returned against operating cash flowtop 24% 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?

5.2/1045% of the headline grade · 3 of 3 filed

Financial health

as filed
7.1/10

Is it financially healthy right now?

ROE 9%: 9¢ of profit per shareholder dollar. Leverage 52%: owes 52¢ per asset dollar.

weight 45% of this tense · 71st percentile among 41 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, El Pollo Loco Holdings, Inc. earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 52 cents per dollar of assets, and net share issuance: its share count shrank 2.1% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 20% of its family
  • return on equitytop 40% of its family
  • the share count against the year beforetop 27% of its family

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

Industry position

as filed
4.3/10

How strong is its position in its industry?

bottom 44% of 43 in its family; net margin 5.4%.

weight 33% of this tense · 44th percentile among 43 sector filers · read for its customers

From the record

El Pollo Loco Holdings, Inc.'s standing among 43 graded names in its industry family: revenue of $490 million in fiscal 2025 ranks in the bottom 33% by size; a net margin of 5.4% ranks in the top 27%; revenue growth of 1.4% a year over the last 3 filed years ranks in the bottom 24% (its annual reports).

What it rests on

  • revenue against the family$490Mbottom 33% of its family
  • net margin5.4%top 27% of its family
  • three-year revenue growth1.4%bottom 24% of its family

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

Leadership

as filed
2.4/10

What are the people in charge doing?

bottom 24% of 30 in its family for leadership; chief executive since 2024.

weight 22% of this tense · 24th percentile among 30 sector filers · read for its shareholders

From the record

El Pollo Loco Holdings, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Williams, Elizabeth Goodman (Chief Executive Officer, as filed), filing under that title since 2024-05-20, 2.5 years (bottom 47% of its family); the 9 officers and directors filing in the last fifteen months have been on the record a median of 2.5 years (bottom 12%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 9 people in charge now (bottom 13%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge9 in three years among 9 peoplebottom 13% of its family
  • the median years the people in charge have filed2.5 yearsbottom 12% of its family
  • the chief executive's years on the record2.5 yearsbottom 47% of its family

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

▶ Future

What are they set up to do next?

5.5/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed
5.7/10

How much room does it have to grow?

top 43% of 41 in its family for room to expand.

weight 22% of this tense · 57th percentile among 41 sector filers · read for itself

From the record

El Pollo Loco Holdings, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $6 million against debt of $51 million leaves -7.4% of its assets as net cash, top 48% of its family; cash from operations less capital spending is 5.2% of revenue (top 39%) (its annual report).

What it rests on

  • cash less debt against assets-7.4%top 48% of its family
  • cash from operations less capital spending against revenue5.2%top 39% of its family

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

Growth drivers

as filed
4.2/10

What could actually drive growth from here?

bottom 42% of 42 in its family for growth drivers.

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

From the record

El Pollo Loco Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 1.4% a year over the last three filed years against 1.7% over all 8, slowing (bottom 42% of its family); the newest year grew 3.5% (bottom 39%); capital spending grew 4.3% a year (bottom 44%) (its annual reports). El Pollo Loco Holdings, Inc. reported 3 product lines in fiscal 2025: Service at $406 million (83%), Franchise at $52 million (11%), Franchise Advertising Fee at $32 million (7%); 3 of 3 grew against the year before (its annual report).

What it rests on

  • three-year growth against the whole span-0.3 points a yearbottom 42% of its family
  • the newest year's revenue growth3.5%bottom 39% of its family
  • three-year growth of capital spending4.3%bottom 44% 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
7.2/10

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

top 28% of 39 in its family for expectations against reality.

weight 33% of this tense · 72nd percentile among 39 sector filers · read for its shareholders

From the record

El Pollo Loco Holdings, Inc.'s newest year against its own record: revenue of $490 million in fiscal 2025 came in 3.3% above the $475 million its prior three years' pace pointed to (top 12% of its family); net income of $26 million against a prior three-year average of $24 million (top 40%); a net margin of 5.4% against 5.1% before (top 32%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace3.3%top 12% of its family
  • net income against the prior three years' average+10%top 40% of its family
  • net margin against its prior average+0.3 pointstop 32% 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 LOCO · research, not advice