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Side-by-side financial comparison of El Pollo Loco Holdings, Inc. (LOCO) and Repay Holdings Corp (RPAY). 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 $78.6M, roughly 1.6× Repay Holdings Corp). El Pollo Loco Holdings, Inc. runs the higher net margin — 5.3% vs -178.3%, a 183.6% gap on every dollar of revenue. On growth, El Pollo Loco Holdings, Inc. posted the faster year-over-year revenue change (8.1% vs 0.4%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $5.1M). Over the past eight quarters, El Pollo Loco Holdings, Inc.'s revenue compounded faster (3.1% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
LOCO vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $123.5M | $78.6M |
| Net Profit | $6.5M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 8.3% | -182.2% |
| Net Margin | 5.3% | -178.3% |
| Revenue YoY | 8.1% | 0.4% |
| Net Profit YoY | 9.9% | -3304.1% |
| EPS (diluted) | $0.22 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $121.5M | $77.7M | ||
| Q2 25 | $125.8M | $75.6M | ||
| Q1 25 | $119.2M | $77.3M | ||
| Q4 24 | $114.3M | $78.3M | ||
| Q3 24 | $120.4M | $79.1M | ||
| Q2 24 | $122.2M | $74.9M | ||
| Q1 24 | $116.2M | $80.7M |
| Q4 25 | $6.5M | $-140.1M | ||
| Q3 25 | $7.4M | $-6.4M | ||
| Q2 25 | $7.1M | $-102.3M | ||
| Q1 25 | $5.5M | $-7.9M | ||
| Q4 24 | $6.0M | $-4.1M | ||
| Q3 24 | $6.2M | $3.2M | ||
| Q2 24 | $7.6M | $-4.1M | ||
| Q1 24 | $5.9M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 8.3% | -182.2% | ||
| Q3 25 | 9.4% | -3.9% | ||
| Q2 25 | 9.0% | -138.7% | ||
| Q1 25 | 7.5% | -4.7% | ||
| Q4 24 | 7.9% | -1.5% | ||
| Q3 24 | 8.4% | -0.9% | ||
| Q2 24 | 10.1% | -4.6% | ||
| Q1 24 | 8.3% | -3.1% |
| Q4 25 | 5.3% | -178.3% | ||
| Q3 25 | 6.1% | -8.3% | ||
| Q2 25 | 5.6% | -135.2% | ||
| Q1 25 | 4.6% | -10.3% | ||
| Q4 24 | 5.2% | -5.3% | ||
| Q3 24 | 5.1% | 4.1% | ||
| Q2 24 | 6.2% | -5.4% | ||
| Q1 24 | 5.1% | -6.5% |
| Q4 25 | $0.22 | $-1.68 | ||
| Q3 25 | $0.25 | $-0.08 | ||
| Q2 25 | $0.24 | $-1.15 | ||
| Q1 25 | $0.19 | $-0.09 | ||
| Q4 24 | $0.21 | $-0.04 | ||
| Q3 24 | $0.21 | $0.03 | ||
| Q2 24 | $0.25 | $-0.04 | ||
| Q1 24 | $0.19 | $-0.06 |
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 | $115.7M |
| Total DebtLower is stronger | $51.0M | $280.1M |
| Stockholders' EquityBook value | $291.1M | $484.4M |
| Total Assets | $606.6M | $1.2B |
| Debt / EquityLower = less leverage | 0.18× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $6.2M | $115.7M | ||
| Q3 25 | $10.9M | $95.7M | ||
| Q2 25 | $9.0M | $162.6M | ||
| Q1 25 | $4.3M | $165.5M | ||
| Q4 24 | $2.5M | $189.5M | ||
| Q3 24 | $7.9M | $168.7M | ||
| Q2 24 | $10.5M | $147.1M | ||
| Q1 24 | $9.1M | $128.3M |
| Q4 25 | $51.0M | $280.1M | ||
| Q3 25 | $61.0M | $279.5M | ||
| Q2 25 | $69.0M | $279.0M | ||
| Q1 25 | $73.0M | $497.6M | ||
| Q4 24 | $71.0M | $496.8M | ||
| Q3 24 | $76.0M | $496.2M | ||
| Q2 24 | $87.0M | $435.6M | ||
| Q1 24 | $80.0M | $434.9M |
| Q4 25 | $291.1M | $484.4M | ||
| Q3 25 | $282.9M | $616.9M | ||
| Q2 25 | $274.2M | $633.7M | ||
| Q1 25 | $265.7M | $755.7M | ||
| Q4 24 | $260.7M | $761.3M | ||
| Q3 24 | $255.2M | $754.7M | ||
| Q2 24 | $248.6M | $815.4M | ||
| Q1 24 | $256.3M | $813.8M |
| Q4 25 | $606.6M | $1.2B | ||
| Q3 25 | $602.7M | $1.3B | ||
| Q2 25 | $596.8M | $1.4B | ||
| Q1 25 | $590.5M | $1.5B | ||
| Q4 24 | $592.0M | $1.6B | ||
| Q3 24 | $590.0M | $1.6B | ||
| Q2 24 | $593.8M | $1.5B | ||
| Q1 24 | $598.0M | $1.5B |
| Q4 25 | 0.18× | 0.58× | ||
| Q3 25 | 0.22× | 0.45× | ||
| Q2 25 | 0.25× | 0.44× | ||
| Q1 25 | 0.27× | 0.66× | ||
| Q4 24 | 0.27× | 0.65× | ||
| Q3 24 | 0.30× | 0.66× | ||
| Q2 24 | 0.35× | 0.53× | ||
| Q1 24 | 0.31× | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $5.1M | $23.2M |
| FCF MarginFCF / Revenue | 4.1% | 29.6% |
| Capex IntensityCapex / Revenue | 7.1% | 0.1% |
| Cash ConversionOCF / Net Profit | 2.13× | — |
| TTM Free Cash FlowTrailing 4 quarters | $25.4M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $13.9M | $23.3M | ||
| Q3 25 | $15.3M | $32.2M | ||
| Q2 25 | $14.1M | $33.1M | ||
| Q1 25 | $4.7M | $2.5M | ||
| Q4 24 | $5.6M | $34.3M | ||
| Q3 24 | $13.0M | $60.1M | ||
| Q2 24 | $17.0M | $31.0M | ||
| Q1 24 | $11.2M | $24.8M |
| Q4 25 | $5.1M | $23.2M | ||
| Q3 25 | $9.9M | $32.1M | ||
| Q2 25 | $9.1M | $33.0M | ||
| Q1 25 | $1.3M | $2.4M | ||
| Q4 24 | $1.1M | $34.0M | ||
| Q3 24 | $9.1M | $59.8M | ||
| Q2 24 | $10.4M | $30.5M | ||
| Q1 24 | $7.0M | $24.7M |
| Q4 25 | 4.1% | 29.6% | ||
| Q3 25 | 8.2% | 41.3% | ||
| Q2 25 | 7.2% | 43.6% | ||
| Q1 25 | 1.1% | 3.0% | ||
| Q4 24 | 1.0% | 43.5% | ||
| Q3 24 | 7.6% | 75.6% | ||
| Q2 24 | 8.5% | 40.7% | ||
| Q1 24 | 6.0% | 30.6% |
| Q4 25 | 7.1% | 0.1% | ||
| Q3 25 | 4.4% | 0.2% | ||
| Q2 25 | 4.0% | 0.1% | ||
| Q1 25 | 2.8% | 0.2% | ||
| Q4 24 | 3.9% | 0.3% | ||
| Q3 24 | 3.2% | 0.3% | ||
| Q2 24 | 5.3% | 0.6% | ||
| Q1 24 | 3.6% | 0.1% |
| Q4 25 | 2.13× | — | ||
| Q3 25 | 2.08× | — | ||
| Q2 25 | 1.99× | — | ||
| Q1 25 | 0.86× | — | ||
| Q4 24 | 0.95× | — | ||
| Q3 24 | 2.11× | 18.52× | ||
| Q2 24 | 2.22× | — | ||
| Q1 24 | 1.89× | — |
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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
