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LOCO · Nasdaq · United States · Retail-Eating Places
In shortEl Pollo Loco Holdings, Inc. is profitable, generates cash and carries moderate debt, with revenue growing (+3.6% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 8.6% | 45/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 5.4% | 42/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 9.6% | 48/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 8.7% | 58/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 0.32× | 0/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.18× | 100/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 0.77× | 92/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 9.41× | 75/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 1.09 | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 5.2% | 41/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.96× | 83/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 2.7% | 100/100 |
| Operating margin volatility | 1.1% | 99/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 1.4% | 24/100 |
|---|---|---|
| EPS growth, 3-year average | 16.4% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 454 | 470 | 469 | 473 | 490 |
| Operating income | 41 | 30 | 40 | 41 | 42 |
| Interest expense | 1.8 | 1.7 | 4.8 | 5.9 | 4.5 |
| Pre-tax income | 39 | 29 | 35 | 35 | 38 |
| Income tax | 10 | 8.1 | 9.3 | 9.6 | 11 |
| Net income | 29 | 21 | 26 | 26 | 26 |
| Diluted EPS | $0.80 | $0.57 | $0.74 | $0.86 | $0.90 |
| Diluted shares (millions) | 36 | 37 | 34 | 30 | 29 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of El Pollo Loco Holdings, Inc. are included in the Investor plan. Try free for 7 days →
1.09 Distress zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
8/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jul 1, 2026 · Data updated Aug 7, 2026