WallStSmart

HF Sinclair Corp (DINO)vsPhillips 66 (PSX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Phillips 66 generates 387% more annual revenue ($134.49B vs $27.62B). DINO leads profitability with a 4.5% profit margin vs 3.1%. PSX appears more attractively valued with a PEG of 0.98. DINO earns a higher WallStSmart Score of 72/100 (B).

DINO

Strong Buy

72

out of 100

Grade: B

Growth: 6.0Profit: 5.5Value: 8.7Quality: 7.5
Piotroski: 4/9Altman Z: 3.15

PSX

Buy

56

out of 100

Grade: C

Growth: 3.3Profit: 5.0Value: 6.0Quality: 6.5
Piotroski: 5/9Altman Z: 3.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DINOUndervalued (+51.0%)

Margin of Safety

+51.0%

Fair Value

$119.92

Current Price

$71.39

$48.53 discount

UndervaluedFair: $119.92Overvalued
PSXSignificantly Overvalued (-56.3%)

Margin of Safety

-56.3%

Fair Value

$110.02

Current Price

$184.13

$74.11 premium

UndervaluedFair: $110.02Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DINO4 strengths · Avg: 9.5/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.1510/10

Safe zone — low bankruptcy risk

EPS GrowthGrowth
38.9%8/10

Earnings expanding 38.9% YoY

PSX5 strengths · Avg: 8.6/10
Altman Z-ScoreHealth
3.2010/10

Safe zone — low bankruptcy risk

Market CapQuality
$69.47B9/10

Large-cap with strong market position

PEG RatioValuation
0.988/10

Growing faster than its price suggests

P/E RatioValuation
17.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

DINO1 concerns · Avg: 3.0/10
Profit MarginProfitability
4.5%3/10

4.5% margin — thin

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 : DINO

The strongest argument for DINO centers on P/E Ratio, Price/Book, Altman Z-Score. Revenue growth of 11.8% demonstrates continued momentum. PEG of 1.07 suggests the stock is reasonably priced for its growth.

Bull Case : PSX

The strongest argument for PSX centers on Altman Z-Score, Market Cap, PEG Ratio. PEG of 0.98 suggests the stock is reasonably priced for its growth.

Bear Case : DINO

The primary concerns for DINO are Profit Margin. Thin 4.5% margins leave little buffer for downturns.

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

DINO carries more volatility with a beta of 0.71 — expect wider price swings.

DINO is growing revenue faster at 11.8% — sustainability is the question.

DINO generates stronger free cash flow (355M), providing more financial flexibility.

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

Bottom Line

DINO scores higher overall (72/100 vs 56/100) and 11.8% 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.

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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