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Side-by-side financial comparison of El Pollo Loco Holdings, Inc. (LOCO) and OCTAVE SPECIALTY GROUP INC (OSG). Click either name above to swap in a different company.
El Pollo Loco Holdings, Inc. is the larger business by last-quarter revenue ($123.5M vs $66.9M, roughly 1.8× OCTAVE SPECIALTY GROUP INC). El Pollo Loco Holdings, Inc. runs the higher net margin — 5.3% vs -73.8%, a 79.1% gap on every dollar of revenue. On growth, El Pollo Loco Holdings, Inc. posted the faster year-over-year revenue change (8.1% vs 2.6%). Over the past eight quarters, OCTAVE SPECIALTY GROUP INC's revenue compounded faster (16.2% CAGR vs 3.1%).
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.
Octave Specialty Group Inc. is a specialty insurance holding company that provides tailored property and casualty insurance products. Its core business focuses on excess and surplus lines, catering to commercial and individual clients across primary North American markets with customized risk coverage solutions.
LOCO vs OSG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $123.5M | $66.9M |
| Net Profit | $6.5M | $-29.7M |
| Gross Margin | — | — |
| Operating Margin | 8.3% | -76.7% |
| Net Margin | 5.3% | -73.8% |
| Revenue YoY | 8.1% | 2.6% |
| Net Profit YoY | 9.9% | -41.7% |
| EPS (diluted) | $0.22 | $-0.82 |
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 | $66.9M | ||
| Q3 25 | $121.5M | $66.6M | ||
| Q2 25 | $125.8M | $55.0M | ||
| Q1 25 | $119.2M | $62.8M | ||
| Q4 24 | $114.3M | $65.2M | ||
| Q3 24 | $120.4M | $70.0M | ||
| Q2 24 | $122.2M | $51.0M | ||
| Q1 24 | $116.2M | $49.6M |
| Q4 25 | $6.5M | $-29.7M | ||
| Q3 25 | $7.4M | $-112.6M | ||
| Q2 25 | $7.1M | $-72.7M | ||
| Q1 25 | $5.5M | $-44.7M | ||
| Q4 24 | $6.0M | $-20.9M | ||
| Q3 24 | $6.2M | $-27.5M | ||
| Q2 24 | $7.6M | $-750.0K | ||
| Q1 24 | $5.9M | $20.8M |
| Q4 25 | 8.3% | -76.7% | ||
| Q3 25 | 9.4% | -48.2% | ||
| Q2 25 | 9.0% | -41.8% | ||
| Q1 25 | 7.5% | -24.1% | ||
| Q4 24 | 7.9% | -55.5% | ||
| Q3 24 | 8.4% | -29.7% | ||
| Q2 24 | 10.1% | -28.9% | ||
| Q1 24 | 8.3% | -6.5% |
| Q4 25 | 5.3% | -73.8% | ||
| Q3 25 | 6.1% | -169.1% | ||
| Q2 25 | 5.6% | -132.3% | ||
| Q1 25 | 4.6% | -71.3% | ||
| Q4 24 | 5.2% | -55.1% | ||
| Q3 24 | 5.1% | -39.3% | ||
| Q2 24 | 6.2% | -1.5% | ||
| Q1 24 | 5.1% | 41.9% |
| Q4 25 | $0.22 | $-0.82 | ||
| Q3 25 | $0.25 | $-2.35 | ||
| Q2 25 | $0.24 | $-1.54 | ||
| Q1 25 | $0.19 | $-1.22 | ||
| Q4 24 | $0.21 | $-11.75 | ||
| Q3 24 | $0.21 | $-0.63 | ||
| Q2 24 | $0.25 | $-0.02 | ||
| Q1 24 | $0.19 | $0.44 |
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 | $146.4M |
| Total DebtLower is stronger | $51.0M | $117.6M |
| Stockholders' EquityBook value | $291.1M | $715.8M |
| Total Assets | $606.6M | $2.2B |
| Debt / EquityLower = less leverage | 0.18× | 0.16× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $6.2M | $146.4M | ||
| Q3 25 | $10.9M | $27.5M | ||
| Q2 25 | $9.0M | $22.5M | ||
| Q1 25 | $4.3M | $34.1M | ||
| Q4 24 | $2.5M | $157.2M | ||
| Q3 24 | $7.9M | $40.8M | ||
| Q2 24 | $10.5M | $14.6M | ||
| Q1 24 | $9.1M | $13.8M |
| Q4 25 | $51.0M | $117.6M | ||
| Q3 25 | $61.0M | — | ||
| Q2 25 | $69.0M | — | ||
| Q1 25 | $73.0M | — | ||
| Q4 24 | $71.0M | $0 | ||
| Q3 24 | $76.0M | $518.0M | ||
| Q2 24 | $87.0M | $515.0M | ||
| Q1 24 | $80.0M | $512.0M |
| Q4 25 | $291.1M | $715.8M | ||
| Q3 25 | $282.9M | $843.4M | ||
| Q2 25 | $274.2M | $859.8M | ||
| Q1 25 | $265.7M | $852.2M | ||
| Q4 24 | $260.7M | $798.4M | ||
| Q3 24 | $255.2M | $1.5B | ||
| Q2 24 | $248.6M | $1.4B | ||
| Q1 24 | $256.3M | $1.4B |
| Q4 25 | $606.6M | $2.2B | ||
| Q3 25 | $602.7M | $2.1B | ||
| Q2 25 | $596.8M | $8.5B | ||
| Q1 25 | $590.5M | $8.3B | ||
| Q4 24 | $592.0M | $8.1B | ||
| Q3 24 | $590.0M | $9.3B | ||
| Q2 24 | $593.8M | $8.2B | ||
| Q1 24 | $598.0M | $8.4B |
| Q4 25 | 0.18× | 0.16× | ||
| Q3 25 | 0.22× | — | ||
| Q2 25 | 0.25× | — | ||
| Q1 25 | 0.27× | — | ||
| Q4 24 | 0.27× | 0.00× | ||
| Q3 24 | 0.30× | 0.35× | ||
| Q2 24 | 0.35× | 0.38× | ||
| Q1 24 | 0.31× | 0.38× |
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 | $-52.3M |
| Free Cash FlowOCF − Capex | $5.1M | — |
| FCF MarginFCF / Revenue | 4.1% | — |
| Capex IntensityCapex / Revenue | 7.1% | — |
| Cash ConversionOCF / Net Profit | 2.13× | — |
| TTM Free Cash FlowTrailing 4 quarters | $25.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $13.9M | $-52.3M | ||
| Q3 25 | $15.3M | $-41.2M | ||
| Q2 25 | $14.1M | $2.1M | ||
| Q1 25 | $4.7M | $-12.6M | ||
| Q4 24 | $5.6M | $762.0K | ||
| Q3 24 | $13.0M | $48.9M | ||
| Q2 24 | $17.0M | $20.4M | ||
| Q1 24 | $11.2M | $7.1M |
| Q4 25 | $5.1M | — | ||
| Q3 25 | $9.9M | — | ||
| Q2 25 | $9.1M | — | ||
| Q1 25 | $1.3M | — | ||
| Q4 24 | $1.1M | — | ||
| Q3 24 | $9.1M | — | ||
| Q2 24 | $10.4M | — | ||
| Q1 24 | $7.0M | — |
| Q4 25 | 4.1% | — | ||
| Q3 25 | 8.2% | — | ||
| Q2 25 | 7.2% | — | ||
| Q1 25 | 1.1% | — | ||
| Q4 24 | 1.0% | — | ||
| Q3 24 | 7.6% | — | ||
| Q2 24 | 8.5% | — | ||
| Q1 24 | 6.0% | — |
| Q4 25 | 7.1% | — | ||
| Q3 25 | 4.4% | — | ||
| Q2 25 | 4.0% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 3.9% | — | ||
| Q3 24 | 3.2% | — | ||
| Q2 24 | 5.3% | — | ||
| Q1 24 | 3.6% | — |
| Q4 25 | 2.13× | — | ||
| Q3 25 | 2.08× | — | ||
| Q2 25 | 1.99× | — | ||
| Q1 25 | 0.86× | — | ||
| Q4 24 | 0.95× | — | ||
| Q3 24 | 2.11× | — | ||
| Q2 24 | 2.22× | — | ||
| Q1 24 | 1.89× | 0.34× |
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% |
OSG
| Other | $28.7M | 43% |
| Specialty Property Casualty Program | $23.1M | 34% |
| Accident Health | $9.6M | 14% |
| Specialty Automobile | $3.1M | 5% |
| Niche Specialty Risks | $2.4M | 4% |
