WallStSmart

CVR Energy Inc (CVI)vsPhillips 66 (PSX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Phillips 66 generates 1694% more annual revenue ($134.49B vs $7.50B). PSX leads profitability with a 3.1% profit margin vs -0.6%. CVI appears more attractively valued with a PEG of 0.71. PSX earns a higher WallStSmart Score of 54/100 (C-).

CVI

Hold

47

out of 100

Grade: D+

Growth: 4.0Profit: 2.5Value: 6.3Quality: 5.5
Piotroski: 7/9Altman Z: 2.11

PSX

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 5.0Value: 4.7Quality: 6.5
Piotroski: 5/9Altman Z: 3.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVIUndervalued (+11.7%)

Margin of Safety

+11.7%

Fair Value

$27.68

Current Price

$33.15

$5.47 discount

UndervaluedFair: $27.68Overvalued
PSXSignificantly Overvalued (-65.2%)

Margin of Safety

-65.2%

Fair Value

$110.02

Current Price

$184.13

$74.11 premium

UndervaluedFair: $110.02Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVI2 strengths · Avg: 8.0/10
PEG RatioValuation
0.718/10

Growing faster than its price suggests

Revenue GrowthGrowth
20.3%8/10

Revenue surging 20.3% year-over-year

PSX3 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
3.2010/10

Safe zone — low bankruptcy risk

Market CapQuality
$73.19B9/10

Large-cap with strong market position

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

CVI4 concerns · Avg: 1.5/10
Return on EquityProfitability
-7.8%2/10

ROE of -7.8% — below average capital efficiency

EPS GrowthGrowth
-68.1%2/10

Earnings declined 68.1%

Profit MarginProfitability
-0.6%1/10

Currently unprofitable

Operating MarginProfitability
-7.3%1/10

Operating margin of -7.3%

PSX4 concerns · Avg: 2.5/10
Profit MarginProfitability
3.1%3/10

3.1% margin — thin

Operating MarginProfitability
0.6%3/10

Operating margin of 0.6%

EPS GrowthGrowth
-56.8%2/10

Earnings declined 56.8%

Free Cash FlowQuality
$-2.85B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CVI

The strongest argument for CVI centers on PEG Ratio, Revenue Growth. Revenue growth of 20.3% demonstrates continued momentum. PEG of 0.71 suggests the stock is reasonably priced for its growth.

Bull Case : PSX

The strongest argument for PSX centers on Altman Z-Score, Market Cap, Price/Book. PEG of 1.02 suggests the stock is reasonably priced for its growth.

Bear Case : CVI

The primary concerns for CVI are Return on Equity, EPS Growth, Profit Margin. Debt-to-equity of 3.35 is elevated, increasing financial risk.

Bear Case : PSX

The primary concerns for PSX are Profit Margin, Operating Margin, EPS Growth. Thin 3.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

CVI profiles as a growth stock while PSX is a value play — different risk/reward profiles.

CVI carries more volatility with a beta of 0.79 — expect wider price swings.

CVI is growing revenue faster at 20.3% — sustainability is the question.

CVI generates stronger free cash flow (17M), providing more financial flexibility.

Bottom Line

PSX scores higher overall (54/100 vs 47/100). Both earn "Buy" 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.

Phillips 66

ENERGY · OIL & GAS REFINING & MARKETING · USA

The Phillips 66 Company is an American multinational energy company headquartered in Westchase, Houston, Texas.

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