WallStSmart

Darden Restaurants Inc (DRI)vsEl Pollo Loco Holdings Inc (LOCO)

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Smart Verdict

WallStSmart Research — data-driven comparison

Darden Restaurants Inc generates 2538% more annual revenue ($13.21B vs $500.79M). DRI leads profitability with a 9.1% profit margin vs 7.0%. LOCO appears more attractively valued with a PEG of 1.16. DRI earns a higher WallStSmart Score of 67/100 (B-).

DRI

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 7.0Value: 4.0Quality: 4.0
Piotroski: 6/9Altman Z: 1.40

LOCO

Buy

65

out of 100

Grade: C+

Growth: 6.0Profit: 5.5Value: 7.3Quality: 5.5
Piotroski: 6/9Altman Z: 1.55
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Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DRISignificantly Overvalued (-86.7%)

Margin of Safety

-86.7%

Fair Value

$113.99

Current Price

$209.89

$95.90 premium

UndervaluedFair: $113.99Overvalued
LOCOUndervalued (+20.3%)

Margin of Safety

+20.3%

Fair Value

$13.43

Current Price

$15.18

$1.75 discount

UndervaluedFair: $13.43Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DRI2 strengths · Avg: 9.0/10
Return on EquityProfitability
54.7%10/10

Every $100 of equity generates 55 in profit

EPS GrowthGrowth
36.0%8/10

Earnings expanding 36.0% YoY

LOCO3 strengths · Avg: 9.3/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
79.2%10/10

Earnings expanding 79.2% YoY

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

Areas to Watch

DRI4 concerns · Avg: 3.0/10
PEG RatioValuation
1.944/10

Expensive relative to growth rate

Price/BookValuation
10.8x4/10

Trading at 10.8x book value

Free Cash FlowQuality
$-159.50M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
1.402/10

Distress zone — elevated risk

LOCO4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

Altman Z-ScoreHealth
1.554/10

Distress zone — elevated risk

Market CapQuality
$456.83M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.0%3/10

7.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : DRI

The strongest argument for DRI centers on Return on Equity, EPS Growth. Revenue growth of 13.7% demonstrates continued momentum.

Bull Case : LOCO

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

Bear Case : DRI

The primary concerns for DRI are PEG Ratio, Price/Book, Free Cash Flow. Debt-to-equity of 2.74 is elevated, increasing financial risk.

Bear Case : LOCO

The primary concerns for LOCO are Revenue Growth, Altman Z-Score, Market Cap.

Key Dynamics to Monitor

LOCO carries more volatility with a beta of 0.69 — expect wider price swings.

DRI is growing revenue faster at 13.7% — sustainability is the question.

LOCO generates stronger free cash flow (23M), providing more financial flexibility.

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

Bottom Line

DRI scores higher overall (67/100 vs 65/100) and 13.7% revenue growth. LOCO offers better value entry with a 20.3% margin of safety. 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.

Darden Restaurants Inc

CONSUMER CYCLICAL · RESTAURANTS · USA

Darden Restaurants, Inc. is an American multi-brand restaurant operator headquartered in Orlando.

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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