WallStSmart

CVR Energy Inc (CVI)vsPBF Energy Inc (PBF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PBF Energy Inc generates 310% more annual revenue ($29.33B vs $7.16B). CVI leads profitability with a 38.0% profit margin vs -54.0%. CVI appears more attractively valued with a PEG of 0.71. CVI earns a higher WallStSmart Score of 47/100 (D+).

CVI

Hold

47

out of 100

Grade: D+

Growth: 2.0Profit: 5.5Value: 4.7Quality: 6.3
Piotroski: 6/9Altman Z: 1.89

PBF

Hold

39

out of 100

Grade: F

Growth: 2.0Profit: 2.0Value: 4.0Quality: 6.3
Piotroski: 4/9Altman Z: 3.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVISignificantly Overvalued (-1227.7%)

Margin of Safety

-1227.7%

Fair Value

$1.84

Current Price

$32.46

$30.62 premium

UndervaluedFair: $1.84Overvalued

Intrinsic value data unavailable for PBF.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVI2 strengths · Avg: 9.0/10
Profit MarginProfitability
38.0%10/10

Keeps 38 of every $100 in revenue as profit

PEG RatioValuation
0.718/10

Growing faster than its price suggests

PBF2 strengths · Avg: 10.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.0210/10

Safe zone — low bankruptcy risk

Areas to Watch

CVI4 concerns · Avg: 2.5/10
Altman Z-ScoreHealth
1.894/10

Grey zone — moderate risk

P/E RatioValuation
125.3x2/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
-7.0%2/10

Revenue declined 7.0%

EPS GrowthGrowth
-68.1%2/10

Earnings declined 68.1%

PBF4 concerns · Avg: 2.0/10
PEG RatioValuation
2.512/10

Expensive relative to growth rate

Return on EquityProfitability
-2.9%2/10

ROE of -2.9% — below average capital efficiency

Revenue GrowthGrowth
-2.9%2/10

Revenue declined 2.9%

EPS GrowthGrowth
-69.9%2/10

Earnings declined 69.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : CVI

The strongest argument for CVI centers on Profit Margin, PEG Ratio. Profitability is solid with margins at 38.0% and operating margin at -5.2%. PEG of 0.71 suggests the stock is reasonably priced for its growth.

Bull Case : PBF

The strongest argument for PBF centers on Price/Book, Altman Z-Score.

Bear Case : CVI

The primary concerns for CVI are Altman Z-Score, P/E Ratio, Revenue Growth. A P/E of 125.3x leaves little room for execution misses.

Bear Case : PBF

The primary concerns for PBF are PEG Ratio, Return on Equity, Revenue Growth.

Key Dynamics to Monitor

CVI profiles as a declining stock while PBF is a turnaround play — different risk/reward profiles.

CVI carries more volatility with a beta of 1.14 — expect wider price swings.

PBF is growing revenue faster at -2.9% — sustainability is the question.

CVI generates stronger free cash flow (89M), providing more financial flexibility.

Bottom Line

CVI scores higher overall (47/100 vs 39/100), backed by strong 38.0% margins. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

CVR Energy Inc

ENERGY · OIL & GAS REFINING & MARKETING · USA

CVR Energy, Inc., is engaged in petroleum refining and nitrogen fertilizer manufacturing activities in the United States. The company is headquartered in Sugar Land, Texas.

PBF Energy Inc

ENERGY · OIL & GAS REFINING & MARKETING · USA

PBF Energy Inc., is dedicated to refining and supplying petroleum products. The company is headquartered in Parsippany, New Jersey.

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