WallStSmart

PBF Energy Inc (PBF)vsValero Energy Corporation (VLO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Valero Energy Corporation generates 295% more annual revenue ($115.94B vs $29.33B). VLO leads profitability with a 2.0% profit margin vs -54.0%. PBF appears more attractively valued with a PEG of 2.51. VLO earns a higher WallStSmart Score of 53/100 (C-).

PBF

Hold

42

out of 100

Grade: D

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

VLO

Buy

53

out of 100

Grade: C-

Growth: 4.7Profit: 5.5Value: 7.3Quality: 7.0
Piotroski: 6/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for PBF.

VLOUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$353.81

Current Price

$240.03

$113.78 discount

UndervaluedFair: $353.81Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PBF2 strengths · Avg: 10.0/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.0210/10

Safe zone — low bankruptcy risk

VLO3 strengths · Avg: 9.0/10
EPS GrowthGrowth
317.9%10/10

Earnings expanding 317.9% YoY

Market CapQuality
$70.94B9/10

Large-cap with strong market position

Free Cash FlowQuality
$1.81B8/10

Generating 1.8B in free cash flow

Areas to Watch

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%

VLO4 concerns · Avg: 2.8/10
P/E RatioValuation
30.8x4/10

Premium valuation, high expectations priced in

Profit MarginProfitability
2.0%3/10

2.0% margin — thin

PEG RatioValuation
4.172/10

Expensive relative to growth rate

Revenue GrowthGrowth
-2.1%2/10

Revenue declined 2.1%

Comparative Analysis Report

WallStSmart Research

Bull Case : PBF

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

Bull Case : VLO

The strongest argument for VLO centers on EPS Growth, Market Cap, Free Cash Flow.

Bear Case : PBF

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

Bear Case : VLO

The primary concerns for VLO are P/E Ratio, Profit Margin, PEG Ratio. Thin 2.0% margins leave little buffer for downturns.

Key Dynamics to Monitor

PBF profiles as a turnaround stock while VLO is a value play — different risk/reward profiles.

VLO carries more volatility with a beta of 0.73 — expect wider price swings.

VLO is growing revenue faster at -2.1% — sustainability is the question.

VLO generates stronger free cash flow (1.8B), providing more financial flexibility.

Bottom Line

VLO scores higher overall (53/100 vs 42/100). 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.

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.

Valero Energy Corporation

ENERGY · OIL & GAS REFINING & MARKETING · USA

Valero Energy Corporation is a Fortune 500 international manufacturer and marketer of transportation fuels, other petrochemical products, and power. It is headquartered in San Antonio, Texas, United States.

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