WallStSmart

El Pollo Loco Holdings Inc (LOCO)vsYum! Brands Inc (YUM)

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Smart Verdict

WallStSmart Research — data-driven comparison

Yum! Brands Inc generates 1607% more annual revenue ($8.49B vs $497.05M). YUM leads profitability with a 20.5% 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-).

LOCO

Strong Buy

67

out of 100

Grade: B-

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

YUM

Buy

65

out of 100

Grade: C+

Growth: 8.0Profit: 8.0Value: 4.0Quality: 4.5
Piotroski: 2/9Altman Z: 0.92
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOCOUndervalued (+2.4%)

Margin of Safety

+2.4%

Fair Value

$10.97

Current Price

$13.82

$2.85 discount

UndervaluedFair: $10.97Overvalued
YUMSignificantly Overvalued (-88.7%)

Margin of Safety

-88.7%

Fair Value

$84.31

Current Price

$150.87

$66.56 premium

UndervaluedFair: $84.31Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

YUM5 strengths · Avg: 9.4/10
Operating MarginProfitability
31.1%10/10

Strong operational efficiency at 31.1%

EPS GrowthGrowth
72.2%10/10

Earnings expanding 72.2% YoY

Debt/EquityHealth
-1.6410/10

Conservative balance sheet, low leverage

Profit MarginProfitability
20.5%9/10

Keeps 21 of every $100 in revenue as profit

Revenue GrowthGrowth
15.2%8/10

15.2% revenue growth

Areas to Watch

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

YUM4 concerns · Avg: 3.0/10
PEG RatioValuation
1.914/10

Expensive relative to growth rate

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.922/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : YUM

The strongest argument for YUM centers on Operating Margin, EPS Growth, Debt/Equity. Profitability is solid with margins at 20.5% and operating margin at 31.1%. Revenue growth of 15.2% demonstrates continued momentum.

Bear Case : LOCO

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

Bear Case : YUM

The primary concerns for YUM are PEG Ratio, Return on Equity, Piotroski F-Score.

Key Dynamics to Monitor

LOCO profiles as a value stock while YUM is a growth play — different risk/reward profiles.

LOCO carries more volatility with a beta of 0.71 — expect wider price swings.

YUM is growing revenue faster at 15.2% — sustainability is the question.

YUM generates stronger free cash flow (341M), providing more financial flexibility.

Bottom Line

LOCO scores higher overall (67/100 vs 65/100). 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.

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.

Yum! Brands Inc

CONSUMER CYCLICAL · RESTAURANTS · USA

Yum! Brands, Inc. is an American fast food corporation listed on the Fortune 1000. Yum! operates the brands KFC, Pizza Hut, Taco Bell, The Habit Burger Grill, and WingStreet worldwide, except in China, where the brands are operated by a separate company, Yum China.

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