Chipotle (CMG) Stock Concentration Calculator
Calculator · free · no signup · CMGQuantify Chipotle concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Chipotle
Chipotle (CMG) is a public Restaurant company, headquartered in Newport Beach, CA.
Equity grants at Chipotle typically include restricted stock units (RSUs).
Chipotle Mexican Grill, Inc., also known simply as Chipotle, is an American multinational chain of fast casual restaurants specializing in bowls, tacos, and Mission burritos made to order in front of the customer. As of December 2025, Chipotle has 4,000 locations. Its name derives from chipotle, the Nahuatl name for a smoked and dried jalapeño chili pepper.
Source: Wikipedia (CC BY-SA 4.0)
Steve Ells opened the first restaurant near the University of Denver in 1993, funded partly by his father, and McDonald's held a majority stake from 1998 until a 2006 separation. The model is unusual for fast casual: no franchising, all company-operated restaurants, ingredients prepared in each kitchen. E. coli and norovirus outbreaks in 2015 cut sales sharply and took years to recover from. Digital ordering and second make-lines for pickup drove the following expansion. Headquarters are in Newport Beach, California.
Sources: chipotle.com · en.wikipedia.org
Equity comp at Chipotle
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-08-17.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Chipotle.
If a meaningful share of your net worth sits in CMG, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with CMG's option-implied volatility.
All Chipotle tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Chipotle equity questions
- How much CMG stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your CMG position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Chipotle grant ISOs, NSOs, or RSUs?
- Equity compensation at Chipotle typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Chipotle RSUs use double-trigger vesting?
- No. Chipotle restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
One piece of the puzzle.
OptionsAhoy plans your Chipotle equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.