PBF Fundamental Analysis - PBF ENERGY INC-CLASS A

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to PBF. PBF was compared to 211 industry peers in the Oil, Gas & Consumable Fuels industry. Both the profitability and financial health of PBF have multiple concerns. PBF is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

PBF had negative earnings in the past year.

PBF had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: PBF reported negative net income in multiple years.

PBF had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

PBF has a worse Return On Assets (-7.57%) than 80.09% of its industry peers.

PBF has a Return On Equity of -19.31%. This is in the lower half of the industry: PBF underperforms 79.15% of its industry peers.

		Industry Rank	Sector Rank
ROA	-7.57%
ROE	-19.31%
ROIC	N/A

ROA(3y)10.64%

ROA(5y)4.13%

ROE(3y)27.24%

ROE(5y)1.79%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

PBF has a Gross Margin of 7.39%. This is in the lower half of the industry: PBF underperforms 71.56% of its industry peers.

In the last couple of years the Gross Margin of PBF has declined.

PBF does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	7.39%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-11.89%

GM growth 5Y-7.33%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PBF does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, PBF has less shares outstanding

PBF has less shares outstanding than it did 5 years ago.

PBF has a worse debt/assets ratio than last year.

2.2 Solvency

An Altman-Z score of 2.68 indicates that PBF is not a great score, but indicates only limited risk for bankruptcy at the moment.

With a decent Altman-Z score value of 2.68, PBF is doing good in the industry, outperforming 77.25% of the companies in the same industry.

PBF has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.48, PBF is in line with its industry, outperforming 49.76% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.48
Debt/FCF	N/A
Altman-Z	2.68

ROIC/WACCN/A

WACC8.42%

2.3 Liquidity

PBF has a Current Ratio of 1.31. This is a normal value and indicates that PBF is financially healthy and should not expect problems in meeting its short term obligations.

PBF has a Current ratio of 1.31. This is in the better half of the industry: PBF outperforms 60.66% of its industry peers.

A Quick Ratio of 0.55 indicates that PBF may have some problems paying its short term obligations.

Looking at the Quick ratio, with a value of 0.55, PBF is doing worse than 79.62% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.31
Quick Ratio	0.55

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

PBF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -229.65%.

PBF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.73%.

PBF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.20% yearly.

EPS 1Y (TTM)-229.65%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-90.74%

Revenue 1Y (TTM)-18.73%

Revenue growth 3Y6.71%

Revenue growth 5Y6.2%

Sales Q2Q%-14.43%

3.2 Future

Based on estimates for the next years, PBF will show a very strong growth in Earnings Per Share. The EPS will grow by 23.47% on average per year.

Based on estimates for the next years, PBF will show a decrease in Revenue. The Revenue will decrease by -0.31% on average per year.

EPS Next Y-46.52%

EPS Next 2Y47.6%

EPS Next 3Y33.94%

EPS Next 5Y23.47%

Revenue Next Year-11.56%

Revenue Next 2Y-4.05%

Revenue Next 3Y-0.31%

Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for PBF. In the last year negative earnings were reported.

PBF is valuated quite expensively with a Price/Forward Earnings ratio of 43.31.

Compared to the rest of the industry, the Price/Forward Earnings ratio of PBF indicates a slightly more expensive valuation: PBF is more expensive than 63.51% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of PBF to the average of the S&P500 Index (23.32), we can say PBF is valued expensively.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	43.31

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as PBF's earnings are expected to grow with 33.94% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y47.6%

EPS Next 3Y33.94%

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5. Dividend

5.1 Amount

PBF has a Yearly Dividend Yield of 3.65%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 6.07, PBF has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.44, PBF pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.65%

5.2 History

The dividend of PBF decreases each year by -3.33%.

PBF has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of PBF decreased in the last 3 years.

Dividend Growth(5Y)-3.33%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

The earnings of PBF are negative and hence is the payout ratio. PBF will probably not be able to sustain this dividend level.

DP-12.49%

EPS Next 2Y47.6%

EPS Next 3Y33.94%

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PBF ENERGY INC-CLASS A

NYSE:PBF (10/6/2025, 3:42:54 PM)

After market: 31 0 (0%)

+0.48 (+1.57%)

Chartmill FA Rating

GICS SectorEnergy

GICS IndustryGroupEnergy

GICS IndustryOil, Gas & Consumable Fuels

Earnings (Last)07-31 2025-07-31/bmo

Earnings (Next)10-30 2025-10-30/bmo

Inst Owners85.23%

Inst Owner Change0%

Ins Owners2.15%

Ins Owner Change0.06%

Market Cap3.59B

Analysts49.52

Price Target25.91 (-16.42%)

Short Float %20.43%

Short Ratio4.48

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.65%

Yearly Dividend1.01

Dividend Growth(5Y)-3.33%

DP-12.49%

Div Incr Years2

Div Non Decr Years2

Ex-Date08-14 2025-08-14 (0.275)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.65%

Min EPS beat(2)1.89%

Max EPS beat(2)7.41%

EPS beat(4)3

Avg EPS beat(4)1.11%

Min EPS beat(4)-5.47%

Max EPS beat(4)7.41%

EPS beat(8)5

Avg EPS beat(8)-126.07%

EPS beat(12)8

Avg EPS beat(12)-82.59%

EPS beat(16)12

Avg EPS beat(16)-3.83%

Revenue beat(2)2

Avg Revenue beat(2)6.24%

Min Revenue beat(2)5.97%

Max Revenue beat(2)6.5%

Revenue beat(4)3

Avg Revenue beat(4)2.92%

Min Revenue beat(4)-2.05%

Max Revenue beat(4)6.5%

Revenue beat(8)7

Avg Revenue beat(8)3.1%

Revenue beat(12)11

Avg Revenue beat(12)6.04%

Revenue beat(16)15

Avg Revenue beat(16)8.66%

PT rev (1m)14.93%

PT rev (3m)37.64%

EPS NQ rev (1m)4.7%

EPS NQ rev (3m)-18.76%

EPS NY rev (1m)0.94%

EPS NY rev (3m)-8.82%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.77%

Revenue NY rev (1m)0.56%

Revenue NY rev (3m)-0.48%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	43.31
P/S	0.12
P/FCF	N/A
P/OCF	N/A
P/B	0.71
P/tB	0.71
EV/EBITDA	N/A

EPS(TTM)-8.44

EYN/A

EPS(NY)0.72

Fwd EY2.31%

FCF(TTM)-15.24

FCFYN/A

OCF(TTM)-7.5

OCFYN/A

SpS261.67

BVpS43.96

TBVpS43.96

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-7.57%
ROE	-19.31%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	7.39%
FCFM	N/A

ROA(3y)10.64%

ROA(5y)4.13%

ROE(3y)27.24%

ROE(5y)1.79%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-11.89%

GM growth 5Y-7.33%

F-Score2

Asset Turnover2.33

Health

		Industry Rank	Sector Rank
Debt/Equity	0.48
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	132.82%
Cap/Sales	2.96%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	1.31
Quick Ratio	0.55
Altman-Z	2.68

F-Score2

WACC8.42%

ROIC/WACCN/A

Cap/Depr(3y)181.51%

Cap/Depr(5y)138.8%

Cap/Sales(3y)2.76%

Cap/Sales(5y)2.46%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-229.65%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-90.74%

EPS Next Y-46.52%

EPS Next 2Y47.6%

EPS Next 3Y33.94%

EPS Next 5Y23.47%

Revenue 1Y (TTM)-18.73%

Revenue growth 3Y6.71%

Revenue growth 5Y6.2%

Sales Q2Q%-14.43%

Revenue Next Year-11.56%

Revenue Next 2Y-4.05%

Revenue Next 3Y-0.31%

Revenue Next 5YN/A

EBIT growth 1Y-213.14%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year102.1%

EBIT Next 3Y57.45%

EBIT Next 5Y32.67%

FCF growth 1Y-204.67%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-128.85%

OCF growth 3Y-55.03%

OCF growth 5Y-45.87%

PBF ENERGY INC-CLASS A (PBF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens