PAGPenske Automotive Group, Inc.

Consumer Cyclical

$196.30+14% 1Y

$196.30

$139.3952 weeks$219.84

Is it safe?

Mixed

Solid, nothing alarming. Balance sheet to watch, no accounting flags, quality moderate.

2 good, 3 neutral, 1 without data

SurvivalGrey zone

Mixed, watch the balance sheet Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.

Honest booksLow risk

Reported earnings show no manipulation flags Beneish M-score, a forensic model that detects earnings-manipulation patterns (receivables outrunning sales, margins slipping, accrual-heavy profit).

Quality5 / 9

Mixed fundamental signals Piotroski F-score, nine pass/fail tests of year-over-year financial health across profitability, balance sheet and efficiency. 7 to 9 is strong, 0 to 3 weak.

Credit gradeAAderived · Jun 30, 2026

Rock-solid balance sheet, low leverage. A rule of thumb on leverage, not a credit rating.

Drawdown risk27% volderived · Oct 9, 2026

Moderate price swings, typical volatility. Worst drawdown -60% · now 11% below its 52-week high.

Unless marked, from SEC EDGAR, as of Dec 31, 2025.

Against the whole market›

Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.

Volatilitybetter than 83% of the market

Max drawdownmiddle of the market

Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.

Can PAG take a bad year?

Penske Automotive Group, Inc. carries $2.43B of net debt at 1.70× EBITDA: a load its earnings can carry.

$2.43B

Net debt · as at Q2 2026 · under two and a half years of EBITDA, comfortable

Net debt / EBITDA: 1.70×
Net debt / EBITDA · 1.04× a year ago · the load is going up
Altman Z-score: 3.10
Altman Z-score · safe zone, above 3
Interest cover: 11.4×
Interest cover · operating profit covers the interest bill several times over