WallStSmart

Chipotle Mexican Grill Inc (CMG)vsEl Pollo Loco Holdings Inc (LOCO)

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Smart Verdict

WallStSmart Research — data-driven comparison

Chipotle Mexican Grill Inc generates 2342% more annual revenue ($12.14B vs $497.05M). CMG leads profitability with a 12.0% profit margin vs 5.9%. LOCO appears more attractively valued with a PEG of 1.16. LOCO earns a higher WallStSmart Score of 67/100 (B-).

CMG

Buy

54

out of 100

Grade: C-

Growth: 5.3Profit: 7.5Value: 5.0Quality: 4.5
Piotroski: 4/9Altman Z: 2.47

LOCO

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 5.5Value: 6.7Quality: 5.5
Piotroski: 6/9Altman Z: 1.55
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Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CMG.

LOCOUndervalued (+2.4%)

Margin of Safety

+2.4%

Fair Value

$10.97

Current Price

$13.82

$2.85 discount

UndervaluedFair: $10.97Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CMG1 strengths · Avg: 10.0/10
Return on EquityProfitability
60.3%10/10

Every $100 of equity generates 60 in profit

LOCO3 strengths · Avg: 8.7/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
43.3%8/10

Earnings expanding 43.3% YoY

Areas to Watch

CMG4 concerns · Avg: 3.5/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

P/E RatioValuation
29.6x4/10

Moderate valuation

Price/BookValuation
15.7x4/10

Trading at 15.7x book value

EPS GrowthGrowth
-17.9%2/10

Earnings declined 17.9%

LOCO3 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.554/10

Distress zone — elevated risk

Market CapQuality
$426.07M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
5.9%3/10

5.9% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : CMG

The strongest argument for CMG centers on Return on Equity.

Bull Case : LOCO

The strongest argument for LOCO centers on Price/Book, P/E Ratio, EPS Growth. PEG of 1.16 suggests the stock is reasonably priced for its growth.

Bear Case : CMG

The primary concerns for CMG are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.18 is elevated, increasing financial risk.

Bear Case : LOCO

The primary concerns for LOCO are Altman Z-Score, Market Cap, Profit Margin.

Key Dynamics to Monitor

CMG carries more volatility with a beta of 0.98 — expect wider price swings.

CMG is growing revenue faster at 7.4% — sustainability is the question.

CMG generates stronger free cash flow (471M), providing more financial flexibility.

Monitor RESTAURANTS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LOCO scores higher overall (67/100 vs 54/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Chipotle Mexican Grill Inc

CONSUMER CYCLICAL · RESTAURANTS · USA

Chipotle Mexican Grill, Inc., often known simply as Chipotle, is an American chain of fast casual restaurants in the United States, United Kingdom, Canada, Germany, and France, specializing in tacos and Mission burritos that are made to order in front of the customer.

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El Pollo Loco Holdings Inc

CONSUMER CYCLICAL · RESTAURANTS · USA

El Pollo Loco Holdings, Inc., through its subsidiary El Pollo Loco, Inc., develops, franchises, licenses and operates quick service restaurants under the name El Pollo Loco. The company is headquartered in Costa Mesa, California.

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