WallStSmart

HF Sinclair Corp (DINO)vsPBF Energy Inc (PBF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PBF Energy Inc generates 10% more annual revenue ($34.37B vs $31.23B). DINO leads profitability with a 6.1% profit margin vs 3.9%. DINO appears more attractively valued with a PEG of 1.75. DINO earns a higher WallStSmart Score of 78/100 (B+).

DINO

Strong Buy

78

out of 100

Grade: B+

Growth: 7.3Profit: 6.5Value: 8.0Quality: 8.0
Piotroski: 4/9Altman Z: 3.15

PBF

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 5.5Value: 6.0Quality: 6.0
Piotroski: 3/9Altman Z: 2.86
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DINOUndervalued (+56.7%)

Margin of Safety

+56.7%

Fair Value

$135.67

Current Price

$107.84

$27.83 discount

UndervaluedFair: $135.67Overvalued
PBFUndervalued (+2.8%)

Margin of Safety

+2.8%

Fair Value

$36.78

Current Price

$78.30

$41.52 discount

UndervaluedFair: $36.78Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DINO6 strengths · Avg: 9.5/10
P/E RatioValuation
10.3x10/10

Attractively priced relative to earnings

Revenue GrowthGrowth
53.2%10/10

Revenue surging 53.2% year-over-year

EPS GrowthGrowth
350.2%10/10

Earnings expanding 350.2% YoY

Altman Z-ScoreHealth
3.1510/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

PBF4 strengths · Avg: 9.5/10
P/E RatioValuation
6.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
56.2%10/10

Revenue surging 56.2% year-over-year

Free Cash FlowQuality
$1.46B8/10

Generating 1.5B in free cash flow

Areas to Watch

DINO2 concerns · Avg: 3.5/10
PEG RatioValuation
1.754/10

Expensive relative to growth rate

Profit MarginProfitability
6.1%3/10

6.1% margin — thin

PBF4 concerns · Avg: 2.5/10
Profit MarginProfitability
3.9%3/10

3.9% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
2.512/10

Expensive relative to growth rate

EPS GrowthGrowth
-69.9%2/10

Earnings declined 69.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : DINO

The strongest argument for DINO centers on P/E Ratio, Revenue Growth, EPS Growth. Revenue growth of 53.2% demonstrates continued momentum.

Bull Case : PBF

The strongest argument for PBF centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 56.2% demonstrates continued momentum.

Bear Case : DINO

The primary concerns for DINO are PEG Ratio, Profit Margin.

Bear Case : PBF

The primary concerns for PBF are Profit Margin, Piotroski F-Score, PEG Ratio. Thin 3.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

DINO carries more volatility with a beta of 0.69 — expect wider price swings.

PBF is growing revenue faster at 56.2% — sustainability is the question.

PBF generates stronger free cash flow (1.5B), providing more financial flexibility.

Monitor OIL & GAS REFINING & MARKETING industry trends, competitive dynamics, and regulatory changes.

Bottom Line

DINO scores higher overall (78/100 vs 62/100) and 53.2% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

HF Sinclair Corp

ENERGY · OIL & GAS REFINING & MARKETING · USA

HF Sinclair Corporation is an independent energy company. The company is headquartered in Dallas, 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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