WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Valero Energy Corporation generates 291% more annual revenue ($117.84B vs $30.17B). VLO leads profitability with a 3.6% profit margin vs 1.5%. PBF appears more attractively valued with a PEG of 2.51. VLO earns a higher WallStSmart Score of 59/100 (C).

PBF

Buy

53

out of 100

Grade: C-

Growth: 3.3Profit: 3.5Value: 5.3Quality: 5.5
Piotroski: 3/9Altman Z: 2.86

VLO

Buy

59

out of 100

Grade: C

Growth: 6.0Profit: 6.0Value: 4.3Quality: 7.5
Piotroski: 5/9Altman Z: 4.17
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PBFOvervalued (-12.4%)

Margin of Safety

-12.4%

Fair Value

$31.83

Current Price

$42.50

$10.67 premium

UndervaluedFair: $31.83Overvalued

Intrinsic value data unavailable for VLO.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PBF2 strengths · Avg: 10.0/10
P/E RatioValuation
11.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

VLO4 strengths · Avg: 9.3/10
EPS GrowthGrowth
317.9%10/10

Earnings expanding 317.9% YoY

Altman Z-ScoreHealth
4.1710/10

Safe zone — low bankruptcy risk

Market CapQuality
$76.69B9/10

Large-cap with strong market position

Free Cash FlowQuality
$1.23B8/10

Generating 1.2B in free cash flow

Areas to Watch

PBF4 concerns · Avg: 2.5/10
Profit MarginProfitability
1.5%3/10

1.5% 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%

VLO2 concerns · Avg: 2.5/10
Profit MarginProfitability
3.6%3/10

3.6% margin — thin

PEG RatioValuation
4.082/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : PBF

The strongest argument for PBF centers on P/E Ratio, Price/Book. Revenue growth of 11.9% demonstrates continued momentum.

Bull Case : VLO

The strongest argument for VLO centers on EPS Growth, Altman Z-Score, Market Cap.

Bear Case : PBF

The primary concerns for PBF are Profit Margin, Piotroski F-Score, PEG Ratio. Thin 1.5% margins leave little buffer for downturns.

Bear Case : VLO

The primary concerns for VLO are Profit Margin, PEG Ratio. Thin 3.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

VLO carries more volatility with a beta of 0.57 — expect wider price swings.

PBF is growing revenue faster at 11.9% — sustainability is the question.

VLO generates stronger free cash flow (1.2B), providing more financial flexibility.

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

Bottom Line

VLO scores higher overall (59/100 vs 53/100). 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.

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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