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Side-by-side financial comparison of El Pollo Loco Holdings, Inc. (LOCO) and OFG BANCORP (OFG). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $123.5M, roughly 1.5× El Pollo Loco Holdings, Inc.). OFG BANCORP runs the higher net margin — 30.3% vs 5.3%, a 25.0% gap on every dollar of revenue. On growth, El Pollo Loco Holdings, Inc. posted the faster year-over-year revenue change (8.1% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $5.1M). Over the past eight quarters, El Pollo Loco Holdings, Inc.'s revenue compounded faster (3.1% CAGR vs 2.8%).
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.
OFG Bancorp, founded in 1964, is the financial holding company for Oriental Bank, located in San Juan, Puerto Rico. OFG offers a wide range of retail and commercial banking, lending and wealth management products, services and technology, primarily in Puerto Rico and the U.S. Virgin Islands through its principal subsidiaries: Oriental Bank, Oriental Financial Services LLC, and Oriental Insurance LLC. Its headquarters are located at Oriental Center, 254 Muñoz Rivera Avenue, San Juan, PR 00918....
LOCO vs OFG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $123.5M | $184.3M |
| Net Profit | $6.5M | $55.9M |
| Gross Margin | — | — |
| Operating Margin | 8.3% | 25.7% |
| Net Margin | 5.3% | 30.3% |
| Revenue YoY | 8.1% | 0.9% |
| Net Profit YoY | 9.9% | 11.0% |
| EPS (diluted) | $0.22 | $1.27 |
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 | $123.5M | $184.3M | ||
| Q3 25 | $121.5M | $186.2M | ||
| Q2 25 | $125.8M | $182.4M | ||
| Q1 25 | $119.2M | $178.6M | ||
| Q4 24 | $114.3M | $182.7M | ||
| Q3 24 | $120.4M | $174.7M | ||
| Q2 24 | $122.2M | $179.8M | ||
| Q1 24 | $116.2M | $174.4M |
| Q4 25 | $6.5M | $55.9M | ||
| Q3 25 | $7.4M | $51.8M | ||
| Q2 25 | $7.1M | $51.8M | ||
| Q1 25 | $5.5M | $45.6M | ||
| Q4 24 | $6.0M | $50.3M | ||
| Q3 24 | $6.2M | $47.0M | ||
| Q2 24 | $7.6M | $51.1M | ||
| Q1 24 | $5.9M | $49.7M |
| Q4 25 | 8.3% | 25.7% | ||
| Q3 25 | 9.4% | 33.0% | ||
| Q2 25 | 9.0% | 36.1% | ||
| Q1 25 | 7.5% | 33.3% | ||
| Q4 24 | 7.9% | 28.9% | ||
| Q3 24 | 8.4% | 35.4% | ||
| Q2 24 | 10.1% | 39.6% | ||
| Q1 24 | 8.3% | 38.9% |
| Q4 25 | 5.3% | 30.3% | ||
| Q3 25 | 6.1% | 27.8% | ||
| Q2 25 | 5.6% | 28.4% | ||
| Q1 25 | 4.6% | 25.5% | ||
| Q4 24 | 5.2% | 27.6% | ||
| Q3 24 | 5.1% | 26.9% | ||
| Q2 24 | 6.2% | 28.4% | ||
| Q1 24 | 5.1% | 28.5% |
| Q4 25 | $0.22 | $1.27 | ||
| Q3 25 | $0.25 | $1.16 | ||
| Q2 25 | $0.24 | $1.15 | ||
| Q1 25 | $0.19 | $1.00 | ||
| Q4 24 | $0.21 | $1.10 | ||
| Q3 24 | $0.21 | $1.00 | ||
| Q2 24 | $0.25 | $1.08 | ||
| Q1 24 | $0.19 | $1.05 |
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 | $1.0B |
| Total DebtLower is stronger | $51.0M | — |
| Stockholders' EquityBook value | $291.1M | $1.4B |
| Total Assets | $606.6M | $12.5B |
| Debt / EquityLower = less leverage | 0.18× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $6.2M | $1.0B | ||
| Q3 25 | $10.9M | $740.3M | ||
| Q2 25 | $9.0M | $851.8M | ||
| Q1 25 | $4.3M | $710.6M | ||
| Q4 24 | $2.5M | $591.1M | ||
| Q3 24 | $7.9M | $680.6M | ||
| Q2 24 | $10.5M | $740.4M | ||
| Q1 24 | $9.1M | $754.4M |
| 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 | $291.1M | $1.4B | ||
| Q3 25 | $282.9M | $1.4B | ||
| Q2 25 | $274.2M | $1.3B | ||
| Q1 25 | $265.7M | $1.3B | ||
| Q4 24 | $260.7M | $1.3B | ||
| Q3 24 | $255.2M | $1.3B | ||
| Q2 24 | $248.6M | $1.2B | ||
| Q1 24 | $256.3M | $1.2B |
| Q4 25 | $606.6M | $12.5B | ||
| Q3 25 | $602.7M | $12.2B | ||
| Q2 25 | $596.8M | $12.2B | ||
| Q1 25 | $590.5M | $11.7B | ||
| Q4 24 | $592.0M | $11.5B | ||
| Q3 24 | $590.0M | $11.5B | ||
| Q2 24 | $593.8M | $11.3B | ||
| Q1 24 | $598.0M | $11.2B |
| 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 | $13.9M | $217.7M |
| Free Cash FlowOCF − Capex | $5.1M | $199.3M |
| FCF MarginFCF / Revenue | 4.1% | 108.1% |
| Capex IntensityCapex / Revenue | 7.1% | 10.0% |
| Cash ConversionOCF / Net Profit | 2.13× | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | $25.4M | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $13.9M | $217.7M | ||
| Q3 25 | $15.3M | $39.5M | ||
| Q2 25 | $14.1M | $35.9M | ||
| Q1 25 | $4.7M | $83.1M | ||
| Q4 24 | $5.6M | $252.5M | ||
| Q3 24 | $13.0M | $58.1M | ||
| Q2 24 | $17.0M | $95.1M | ||
| Q1 24 | $11.2M | $61.0M |
| Q4 25 | $5.1M | $199.3M | ||
| Q3 25 | $9.9M | $35.5M | ||
| Q2 25 | $9.1M | $31.8M | ||
| Q1 25 | $1.3M | $78.7M | ||
| Q4 24 | $1.1M | $231.2M | ||
| Q3 24 | $9.1M | $51.8M | ||
| Q2 24 | $10.4M | $90.4M | ||
| Q1 24 | $7.0M | $54.8M |
| Q4 25 | 4.1% | 108.1% | ||
| Q3 25 | 8.2% | 19.1% | ||
| Q2 25 | 7.2% | 17.4% | ||
| Q1 25 | 1.1% | 44.1% | ||
| Q4 24 | 1.0% | 126.5% | ||
| Q3 24 | 7.6% | 29.6% | ||
| Q2 24 | 8.5% | 50.3% | ||
| Q1 24 | 6.0% | 31.4% |
| Q4 25 | 7.1% | 10.0% | ||
| Q3 25 | 4.4% | 2.1% | ||
| Q2 25 | 4.0% | 2.3% | ||
| Q1 25 | 2.8% | 2.4% | ||
| Q4 24 | 3.9% | 11.7% | ||
| Q3 24 | 3.2% | 3.6% | ||
| Q2 24 | 5.3% | 2.6% | ||
| Q1 24 | 3.6% | 3.5% |
| Q4 25 | 2.13× | 3.90× | ||
| Q3 25 | 2.08× | 0.76× | ||
| Q2 25 | 1.99× | 0.69× | ||
| Q1 25 | 0.86× | 1.82× | ||
| Q4 24 | 0.95× | 5.02× | ||
| Q3 24 | 2.11× | 1.24× | ||
| Q2 24 | 2.22× | 1.86× | ||
| Q1 24 | 1.89× | 1.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOCO
| Services | $102.4M | 83% |
| Franchise | $13.0M | 11% |
| Franchise Advertising Fee | $8.1M | 7% |
OFG
Segment breakdown not available.
