PENSKE AUTOMOTIVE GROUP INC (PAG) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PAG • US70959W1036

161.9 USD
-3.51 (-2.12%)
At close: Feb 5, 2026
161.9 USD
0 (0%)
After Hours: 2/5/2026, 8:04:00 PM
Fundamental Rating

5

PAG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 121 industry peers in the Specialty Retail industry. PAG has an average financial health and profitability rating. PAG is not valued too expensively and it also shows a decent growth rate. PAG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • PAG had positive earnings in the past year.
  • In the past year PAG had a positive cash flow from operations.
  • PAG had positive earnings in each of the past 5 years.
  • Each year in the past 5 years PAG had a positive operating cash flow.
PAG Yearly Net Income VS EBIT VS OCF VS FCFPAG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

  • PAG's Return On Assets of 5.51% is fine compared to the rest of the industry. PAG outperforms 71.90% of its industry peers.
  • The Return On Equity of PAG (16.53%) is better than 74.38% of its industry peers.
  • PAG has a better Return On Invested Capital (6.49%) than 62.81% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PAG is below the industry average of 12.09%.
Industry RankSector Rank
ROA 5.51%
ROE 16.53%
ROIC 6.49%
ROA(3y)7.33%
ROA(5y)6.98%
ROE(3y)24.4%
ROE(5y)23.77%
ROIC(3y)7.78%
ROIC(5y)7.29%
PAG Yearly ROA, ROE, ROICPAG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • PAG's Profit Margin of 3.08% is fine compared to the rest of the industry. PAG outperforms 67.77% of its industry peers.
  • In the last couple of years the Profit Margin of PAG has grown nicely.
  • Looking at the Operating Margin, with a value of 4.22%, PAG is in the better half of the industry, outperforming 62.81% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PAG has grown nicely.
  • With a Gross Margin value of 16.54%, PAG is not doing good in the industry: 81.82% of the companies in the same industry are doing better.
  • In the last couple of years the Gross Margin of PAG has grown nicely.
Industry RankSector Rank
OM 4.22%
PM (TTM) 3.08%
GM 16.54%
OM growth 3Y-6.61%
OM growth 5Y8.95%
PM growth 3Y-13.41%
PM growth 5Y9.91%
GM growth 3Y-1.79%
GM growth 5Y2%
PAG Yearly Profit, Operating, Gross MarginsPAG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAG is destroying value.
  • The number of shares outstanding for PAG has been reduced compared to 1 year ago.
  • The number of shares outstanding for PAG has been reduced compared to 5 years ago.
  • PAG has a worse debt/assets ratio than last year.
PAG Yearly Shares OutstandingPAG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
PAG Yearly Total Debt VS Total AssetsPAG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • An Altman-Z score of 3.09 indicates that PAG is not in any danger for bankruptcy at the moment.
  • PAG has a better Altman-Z score (3.09) than 70.25% of its industry peers.
  • PAG has a debt to FCF ratio of 7.32. This is a slightly negative value and a sign of low solvency as PAG would need 7.32 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 7.32, PAG is in the better half of the industry, outperforming 60.33% of the companies in the same industry.
  • A Debt/Equity ratio of 0.92 indicates that PAG is somewhat dependend on debt financing.
  • PAG has a Debt to Equity ratio (0.92) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.92
Debt/FCF 7.32
Altman-Z 3.09
ROIC/WACC0.71
WACC9.09%
PAG Yearly LT Debt VS Equity VS FCFPAG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.3 Liquidity

  • PAG has a Current Ratio of 0.97. This is a bad value and indicates that PAG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.97, PAG is doing worse than 76.86% of the companies in the same industry.
  • PAG has a Quick Ratio of 0.97. This is a bad value and indicates that PAG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of PAG (0.21) is worse than 85.95% of its industry peers.
Industry RankSector Rank
Current Ratio 0.97
Quick Ratio 0.21
PAG Yearly Current Assets VS Current LiabilitesPAG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • PAG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.05%.
  • The Earnings Per Share has been growing by 20.82% on average over the past years. This is a very strong growth
  • PAG shows a small growth in Revenue. In the last year, the Revenue has grown by 2.25%.
  • Measured over the past years, PAG shows a small growth in Revenue. The Revenue has been growing by 5.61% on average per year.
EPS 1Y (TTM)2.05%
EPS 3Y-3.27%
EPS 5Y20.82%
EPS Q2Q%-4.72%
Revenue 1Y (TTM)2.25%
Revenue growth 3Y6.02%
Revenue growth 5Y5.61%
Sales Q2Q%1.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.93% on average over the next years.
  • PAG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.66% yearly.
EPS Next Y-0.47%
EPS Next 2Y1.22%
EPS Next 3Y2.57%
EPS Next 5Y5.93%
Revenue Next Year0.84%
Revenue Next 2Y1.97%
Revenue Next 3Y2.59%
Revenue Next 5Y3.66%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PAG Yearly Revenue VS EstimatesPAG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B
PAG Yearly EPS VS EstimatesPAG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.61, which indicates a very decent valuation of PAG.
  • 83.47% of the companies in the same industry are more expensive than PAG, based on the Price/Earnings ratio.
  • PAG is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 11.49 indicates a reasonable valuation of PAG.
  • Based on the Price/Forward Earnings ratio, PAG is valued cheaper than 84.30% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.20. PAG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.61
Fwd PE 11.49
PAG Price Earnings VS Forward Price EarningsPAG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

  • 68.59% of the companies in the same industry are more expensive than PAG, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAG indicates a somewhat cheap valuation: PAG is cheaper than 76.03% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.09
EV/EBITDA 8.47
PAG Per share dataPAG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

4.3 Compensation for Growth

  • The decent profitability rating of PAG may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.56
EPS Next 2Y1.22%
EPS Next 3Y2.57%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • PAG has a Yearly Dividend Yield of 3.31%. Purely for dividend investing, there may be better candidates out there.
  • PAG's Dividend Yield is rather good when compared to the industry average which is at 2.19. PAG pays more dividend than 88.43% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, PAG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.31%

5.2 History

  • The dividend of PAG is nicely growing with an annual growth rate of 21.07%!
  • PAG has paid a dividend for at least 10 years, which is a reliable track record.
  • PAG has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)21.07%
Div Incr Years4
Div Non Decr Years4
PAG Yearly Dividends per sharePAG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

5.3 Sustainability

  • 35.22% of the earnings are spent on dividend by PAG. This is a low number and sustainable payout ratio.
  • The dividend of PAG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP35.22%
EPS Next 2Y1.22%
EPS Next 3Y2.57%
PAG Yearly Income VS Free CF VS DividendPAG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
PAG Dividend Payout.PAG Dividend Payout, showing the Payout Ratio.PAG Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PENSKE AUTOMOTIVE GROUP INC

NYSE:PAG (2/5/2026, 8:04:00 PM)

After market: 161.9 0 (0%)

161.9

-3.51 (-2.12%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)10-29
Earnings (Next)02-11
Inst Owners78.27%
Inst Owner Change0.1%
Ins Owners0.86%
Ins Owner Change0.09%
Market Cap10.66B
Revenue(TTM)30.68B
Net Income(TTM)943.70M
Analysts74.67
Price Target184.67 (14.06%)
Short Float %4.56%
Short Ratio9.97
Dividend
Industry RankSector Rank
Dividend Yield 3.31%
Yearly Dividend4.1
Dividend Growth(5Y)21.07%
DP35.22%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.82%
Min EPS beat(2)-6.69%
Max EPS beat(2)5.05%
EPS beat(4)3
Avg EPS beat(4)1.91%
Min EPS beat(4)-6.69%
Max EPS beat(4)6.57%
EPS beat(8)4
Avg EPS beat(8)-0.13%
EPS beat(12)7
Avg EPS beat(12)0.67%
EPS beat(16)11
Avg EPS beat(16)3.31%
Revenue beat(2)0
Avg Revenue beat(2)-2.8%
Min Revenue beat(2)-4.32%
Max Revenue beat(2)-1.29%
Revenue beat(4)1
Avg Revenue beat(4)-1.69%
Min Revenue beat(4)-4.32%
Max Revenue beat(4)0.87%
Revenue beat(8)2
Avg Revenue beat(8)-1.19%
Revenue beat(12)6
Avg Revenue beat(12)0.55%
Revenue beat(16)9
Avg Revenue beat(16)0.88%
PT rev (1m)0%
PT rev (3m)0.57%
EPS NQ rev (1m)-3.24%
EPS NQ rev (3m)-9.02%
EPS NY rev (1m)-0.28%
EPS NY rev (3m)-3.12%
Revenue NQ rev (1m)-1.02%
Revenue NQ rev (3m)-2.15%
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)-0.4%
Valuation
Industry RankSector Rank
PE 11.61
Fwd PE 11.49
P/S 0.35
P/FCF 14.09
P/OCF 9.97
P/B 1.87
P/tB 4.76
EV/EBITDA 8.47
EPS(TTM)13.94
EY8.61%
EPS(NY)14.09
Fwd EY8.7%
FCF(TTM)11.49
FCFY7.1%
OCF(TTM)16.24
OCFY10.03%
SpS465.87
BVpS86.66
TBVpS34.01
PEG (NY)N/A
PEG (5Y)0.56
Graham Number164.86
Profitability
Industry RankSector Rank
ROA 5.51%
ROE 16.53%
ROCE 11.87%
ROIC 6.49%
ROICexc 6.52%
ROICexgc 8.52%
OM 4.22%
PM (TTM) 3.08%
GM 16.54%
FCFM 2.47%
ROA(3y)7.33%
ROA(5y)6.98%
ROE(3y)24.4%
ROE(5y)23.77%
ROIC(3y)7.78%
ROIC(5y)7.29%
ROICexc(3y)7.84%
ROICexc(5y)7.34%
ROICexgc(3y)10.17%
ROICexgc(5y)9.53%
ROCE(3y)14.2%
ROCE(5y)13.12%
ROICexgc growth 3Y-7.25%
ROICexgc growth 5Y13.31%
ROICexc growth 3Y-7.29%
ROICexc growth 5Y12.13%
OM growth 3Y-6.61%
OM growth 5Y8.95%
PM growth 3Y-13.41%
PM growth 5Y9.91%
GM growth 3Y-1.79%
GM growth 5Y2%
F-Score8
Asset Turnover1.79
Health
Industry RankSector Rank
Debt/Equity 0.92
Debt/FCF 7.32
Debt/EBITDA 3.58
Cap/Depr 188.43%
Cap/Sales 1.02%
Interest Coverage 4.83
Cash Conversion 73.16%
Profit Quality 80.22%
Current Ratio 0.97
Quick Ratio 0.21
Altman-Z 3.09
F-Score8
WACC9.09%
ROIC/WACC0.71
Cap/Depr(3y)240.48%
Cap/Depr(5y)217.45%
Cap/Sales(3y)1.17%
Cap/Sales(5y)1.08%
Profit Quality(3y)80.57%
Profit Quality(5y)103.28%
High Growth Momentum
Growth
EPS 1Y (TTM)2.05%
EPS 3Y-3.27%
EPS 5Y20.82%
EPS Q2Q%-4.72%
EPS Next Y-0.47%
EPS Next 2Y1.22%
EPS Next 3Y2.57%
EPS Next 5Y5.93%
Revenue 1Y (TTM)2.25%
Revenue growth 3Y6.02%
Revenue growth 5Y5.61%
Sales Q2Q%1.38%
Revenue Next Year0.84%
Revenue Next 2Y1.97%
Revenue Next 3Y2.59%
Revenue Next 5Y3.66%
EBIT growth 1Y0.53%
EBIT growth 3Y-0.98%
EBIT growth 5Y15.06%
EBIT Next Year16.48%
EBIT Next 3Y6.45%
EBIT Next 5Y3.35%
FCF growth 1Y-17.19%
FCF growth 3Y-8.08%
FCF growth 5Y24.3%
OCF growth 1Y-15.98%
OCF growth 3Y-3.02%
OCF growth 5Y17.87%

PENSKE AUTOMOTIVE GROUP INC / PAG FAQ

What is the ChartMill fundamental rating of PENSKE AUTOMOTIVE GROUP INC (PAG) stock?

ChartMill assigns a fundamental rating of 5 / 10 to PAG.


What is the valuation status for PAG stock?

ChartMill assigns a valuation rating of 6 / 10 to PENSKE AUTOMOTIVE GROUP INC (PAG). This can be considered as Fairly Valued.


What is the profitability of PAG stock?

PENSKE AUTOMOTIVE GROUP INC (PAG) has a profitability rating of 6 / 10.


Can you provide the expected EPS growth for PAG stock?

The Earnings per Share (EPS) of PENSKE AUTOMOTIVE GROUP INC (PAG) is expected to decline by -0.47% in the next year.


Can you provide the dividend sustainability for PAG stock?

The dividend rating of PENSKE AUTOMOTIVE GROUP INC (PAG) is 7 / 10 and the dividend payout ratio is 35.22%.