PBF Energy Inc. (PBF) stock analysis

P/E below its 5-year median

PBF Energy's P/E of 3.1 is below its own 5-year median of 3.2.

P/E below the industry

PBF Energy's P/E of 3.1 is below the Petroleum Refining median of 13.9.

EV/EBITDA below its 5-year median

PBF Energy's EV/EBITDA of 2.1 is below its 5-year median of 2.9.

P/B below the industry

PBF Energy's price-to-book of 1.06 is below the Petroleum Refining median of 2.75.

Trading below fair value

The share price of $69.73 is below our fair value estimate of $171.39.

Margin of safety over 20%

The price is 59.3% below fair value, more than the 20% cushion we look for.

Revenue growing under 10% a year

Revenue grew -14.4% a year over the last three fiscal years, short of the 10% we look for.

EPS growth over 3 years

Needs positive EPS three years ago and today.

Earnings acceleration

Needs positive net income now, a year ago and five years ago.

Growing faster than the industry

Revenue grew 31.5% over the last twelve months; the Petroleum Refining median is 18.4%.

Guidance lowered

PBF Energy lowered its third quarter Renewable diesel production outlook on Jul 30, 2026.

Gross margin improving

Gross margin was 8.9% over the last twelve months, against -2.5% a year earlier.

Return on equity over 15%

Return on equity was 41.1% over the last twelve months and averaged 24.5% over five years.

Return on capital over 10%

Return on invested capital was 39.1%, above the 10% that usually covers the cost of capital.

Return on equity above the industry

PBF Energy's return on equity of 41.1% is above the Petroleum Refining median of 17.7%.

Earnings over 5 years

Needs positive net income five years ago and in the latest year.

Net margin above its 5-year average

Net margin was 7.0% over the last twelve months, against a 5-year average of 2.1%.

Net margin below the industry

PBF Energy's net margin of 7.0% is below the Petroleum Refining median of 7.0%.

Low debt

Debt is 26.6% of shareholders' equity, under the 40% we consider low.

Debt falling against equity

Debt to equity fell from 284% five years ago to 26.6%.

Debt covered by cash flow

Operating cash flow over the last twelve months equals 166% of total debt.

Interest well covered

Operating income covers interest expense 25.0 times.

Short-term assets cover short-term debts

Current assets are 1.59 times current liabilities.

Low bankruptcy risk

The Altman Z-score is 4.21; above 3 is the safe zone and below 1.8 the distress zone.

Pays a dividend

PBF Energy paid dividends worth 1.6% of the share price over the last twelve months.

Yield below Treasuries

The 1.6% yield is below the 4.4% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 3.8% or more; PBF Energy yields 1.6%.

Dividend stability

Fewer than five years of dividend history.

Earnings cover

Needs dividends paid and net income.

Cash-flow cover

Needs dividends paid and free cash flow.