WallStSmart

Par Pacific Holdings Inc (PARR)vsPhillips 66 (PSX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Phillips 66 generates 1683% more annual revenue ($134.49B vs $7.54B). PARR leads profitability with a 6.0% profit margin vs 3.1%. PARR trades at a lower P/E of 6.5x. PARR earns a higher WallStSmart Score of 62/100 (C+).

PARR

Buy

62

out of 100

Grade: C+

Growth: 6.0Profit: 6.5Value: 7.7Quality: 6.5
Piotroski: 5/9Altman Z: 3.04

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

PARRUndervalued (+18.2%)

Margin of Safety

+18.2%

Fair Value

$51.86

Current Price

$55.66

$3.80 discount

UndervaluedFair: $51.86Overvalued
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

PARR5 strengths · Avg: 9.4/10
P/E RatioValuation
6.5x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
3869.0%10/10

Earnings expanding 3869.0% YoY

Altman Z-ScoreHealth
3.0410/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
30.0%9/10

Every $100 of equity generates 30 in profit

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

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

PARR4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.5%4/10

4.5% revenue growth

Profit MarginProfitability
6.0%3/10

6.0% margin — thin

Operating MarginProfitability
3.3%3/10

Operating margin of 3.3%

Debt/EquityHealth
1.083/10

Elevated debt levels

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 : PARR

The strongest argument for PARR centers on P/E Ratio, EPS Growth, Altman Z-Score.

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 : PARR

The primary concerns for PARR are Revenue Growth, Profit Margin, Operating Margin.

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

PARR carries more volatility with a beta of 0.91 — expect wider price swings.

PSX is growing revenue faster at 6.9% — sustainability is the question.

PARR generates stronger free cash flow (-210M), providing more financial flexibility.

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

Bottom Line

PARR scores higher overall (62/100 vs 54/100). Both earn "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.

Par Pacific Holdings Inc

ENERGY · OIL & GAS REFINING & MARKETING · USA

Par Pacific Holdings, Inc. owns and operates energy and infrastructure businesses. The company is headquartered in Houston, 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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