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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and El Pollo Loco Holdings, Inc. (LOCO). Click either name above to swap in a different company.
COASTAL FINANCIAL CORP is the larger business by last-quarter revenue ($138.0M vs $123.5M, roughly 1.1× El Pollo Loco Holdings, Inc.). On growth, El Pollo Loco Holdings, Inc. posted the faster year-over-year revenue change (8.1% vs -5.8%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $5.1M). Over the past eight quarters, El Pollo Loco Holdings, Inc.'s revenue compounded faster (3.1% CAGR vs -3.6%).
Fidelity National Financial, Inc., is an American provider of title insurance and settlement services to the real estate and mortgage industries. A Fortune 500 company, Fidelity National Financial generated approximately $8.469 billion in annual revenue in 2019 from its title and real estate-related operations. The company was the first instance of an attorney licensed by a Native American Tribe being certified as "authorized house counsel" in the state of Florida.
El Pollo Loco, Inc., is a restaurant chain based in the United States, specializing in Mexican-style grilled chicken. Restaurant service consists of dine-in and take-out, with some locations offering drive-through options. The company is headquartered in Costa Mesa, California, and operates about 500 company-owned and franchised restaurants in the Southwestern United States.
CCB vs LOCO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $123.5M |
| Net Profit | — | $6.5M |
| Gross Margin | — | — |
| Operating Margin | 12.4% | 8.3% |
| Net Margin | — | 5.3% |
| Revenue YoY | -5.8% | 8.1% |
| Net Profit YoY | — | 9.9% |
| EPS (diluted) | $0.84 | $0.22 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $138.0M | $123.5M | ||
| Q3 25 | $144.7M | $121.5M | ||
| Q2 25 | $119.4M | $125.8M | ||
| Q1 25 | $139.5M | $119.2M | ||
| Q4 24 | $146.5M | $114.3M | ||
| Q3 24 | $151.1M | $120.4M | ||
| Q2 24 | $135.3M | $122.2M | ||
| Q1 24 | $148.4M | $116.2M |
| Q4 25 | — | $6.5M | ||
| Q3 25 | $13.6M | $7.4M | ||
| Q2 25 | $11.0M | $7.1M | ||
| Q1 25 | $9.7M | $5.5M | ||
| Q4 24 | — | $6.0M | ||
| Q3 24 | $13.5M | $6.2M | ||
| Q2 24 | $11.6M | $7.6M | ||
| Q1 24 | $6.8M | $5.9M |
| Q4 25 | 12.4% | 8.3% | ||
| Q3 25 | 12.4% | 9.4% | ||
| Q2 25 | 12.0% | 9.0% | ||
| Q1 25 | 8.4% | 7.5% | ||
| Q4 24 | 11.7% | 7.9% | ||
| Q3 24 | 10.8% | 8.4% | ||
| Q2 24 | 11.1% | 10.1% | ||
| Q1 24 | 5.9% | 8.3% |
| Q4 25 | — | 5.3% | ||
| Q3 25 | 9.4% | 6.1% | ||
| Q2 25 | 9.2% | 5.6% | ||
| Q1 25 | 7.0% | 4.6% | ||
| Q4 24 | — | 5.2% | ||
| Q3 24 | 8.9% | 5.1% | ||
| Q2 24 | 8.6% | 6.2% | ||
| Q1 24 | 4.6% | 5.1% |
| Q4 25 | $0.84 | $0.22 | ||
| Q3 25 | $0.88 | $0.25 | ||
| Q2 25 | $0.71 | $0.24 | ||
| Q1 25 | $0.63 | $0.19 | ||
| Q4 24 | $0.95 | $0.21 | ||
| Q3 24 | $0.97 | $0.21 | ||
| Q2 24 | $0.84 | $0.25 | ||
| Q1 24 | $0.50 | $0.19 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $6.2M |
| Total DebtLower is stronger | — | $51.0M |
| Stockholders' EquityBook value | $491.0M | $291.1M |
| Total Assets | $4.7B | $606.6M |
| Debt / EquityLower = less leverage | — | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $6.2M | ||
| Q3 25 | — | $10.9M | ||
| Q2 25 | — | $9.0M | ||
| Q1 25 | — | $4.3M | ||
| Q4 24 | — | $2.5M | ||
| Q3 24 | — | $7.9M | ||
| Q2 24 | — | $10.5M | ||
| Q1 24 | — | $9.1M |
| Q4 25 | — | $51.0M | ||
| Q3 25 | — | $61.0M | ||
| Q2 25 | — | $69.0M | ||
| Q1 25 | — | $73.0M | ||
| Q4 24 | — | $71.0M | ||
| Q3 24 | — | $76.0M | ||
| Q2 24 | — | $87.0M | ||
| Q1 24 | — | $80.0M |
| Q4 25 | $491.0M | $291.1M | ||
| Q3 25 | $475.3M | $282.9M | ||
| Q2 25 | $461.7M | $274.2M | ||
| Q1 25 | $449.9M | $265.7M | ||
| Q4 24 | $438.7M | $260.7M | ||
| Q3 24 | $331.9M | $255.2M | ||
| Q2 24 | $316.7M | $248.6M | ||
| Q1 24 | $303.7M | $256.3M |
| Q4 25 | $4.7B | $606.6M | ||
| Q3 25 | $4.6B | $602.7M | ||
| Q2 25 | $4.5B | $596.8M | ||
| Q1 25 | $4.3B | $590.5M | ||
| Q4 24 | $4.1B | $592.0M | ||
| Q3 24 | $4.1B | $590.0M | ||
| Q2 24 | $4.0B | $593.8M | ||
| Q1 24 | $3.9B | $598.0M |
| Q4 25 | — | 0.18× | ||
| Q3 25 | — | 0.22× | ||
| Q2 25 | — | 0.25× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.27× | ||
| Q3 24 | — | 0.30× | ||
| Q2 24 | — | 0.35× | ||
| Q1 24 | — | 0.31× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $254.6M | $13.9M |
| Free Cash FlowOCF − Capex | $246.1M | $5.1M |
| FCF MarginFCF / Revenue | 178.3% | 4.1% |
| Capex IntensityCapex / Revenue | 6.1% | 7.1% |
| Cash ConversionOCF / Net Profit | — | 2.13× |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | $25.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $13.9M | ||
| Q3 25 | $59.0M | $15.3M | ||
| Q2 25 | $66.0M | $14.1M | ||
| Q1 25 | $71.7M | $4.7M | ||
| Q4 24 | $259.8M | $5.6M | ||
| Q3 24 | $62.6M | $13.0M | ||
| Q2 24 | $72.1M | $17.0M | ||
| Q1 24 | $56.8M | $11.2M |
| Q4 25 | $246.1M | $5.1M | ||
| Q3 25 | $57.4M | $9.9M | ||
| Q2 25 | $64.0M | $9.1M | ||
| Q1 25 | $68.9M | $1.3M | ||
| Q4 24 | $249.9M | $1.1M | ||
| Q3 24 | $60.2M | $9.1M | ||
| Q2 24 | $69.5M | $10.4M | ||
| Q1 24 | $55.0M | $7.0M |
| Q4 25 | 178.3% | 4.1% | ||
| Q3 25 | 39.7% | 8.2% | ||
| Q2 25 | 53.6% | 7.2% | ||
| Q1 25 | 49.4% | 1.1% | ||
| Q4 24 | 170.6% | 1.0% | ||
| Q3 24 | 39.8% | 7.6% | ||
| Q2 24 | 51.3% | 8.5% | ||
| Q1 24 | 37.1% | 6.0% |
| Q4 25 | 6.1% | 7.1% | ||
| Q3 25 | 1.2% | 4.4% | ||
| Q2 25 | 1.7% | 4.0% | ||
| Q1 25 | 2.0% | 2.8% | ||
| Q4 24 | 6.8% | 3.9% | ||
| Q3 24 | 1.6% | 3.2% | ||
| Q2 24 | 1.9% | 5.3% | ||
| Q1 24 | 1.2% | 3.6% |
| Q4 25 | — | 2.13× | ||
| Q3 25 | 4.34× | 2.08× | ||
| Q2 25 | 5.99× | 1.99× | ||
| Q1 25 | 7.37× | 0.86× | ||
| Q4 24 | — | 0.95× | ||
| Q3 24 | 4.65× | 2.11× | ||
| Q2 24 | 6.22× | 2.22× | ||
| Q1 24 | 8.35× | 1.89× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CCB
| Other | $74.7M | 54% |
| Baa S Credit Enhancements | $47.3M | 34% |
| Baa S Program Income | $8.4M | 6% |
| Transaction Fees | $4.9M | 4% |
| Servicing And Other Baa S Fees | $1.6M | 1% |
| Baa S Fraud Enhancements | $1.1M | 1% |
LOCO
| Services | $102.4M | 83% |
| Franchise | $13.0M | 11% |
| Franchise Advertising Fee | $8.1M | 7% |
