PBFPBF Energy Inc.
Is it safe?
Mixed picture: comfortable debt (AA), but quality weak and big price swings.
Mixed, watch the balance sheet Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Weak, deteriorating fundamentals 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.
Insiders were net sellers (-$312.9M, 90 days to Oct 8, 2026), selling is often routine.
Rock-solid balance sheet, low leverage. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -92% · now 6% 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.
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 PBF take a bad year?
PBF Energy Inc. carries $855M of net debt at 0.37× EBITDA: a load its earnings can carry.
Net debt · as at Q2 2026 · under two and a half years of EBITDA, comfortable
- Net debt / EBITDA
- 0.37×
Net debt / EBITDA
- Altman Z-score
- 3.05
Altman Z-score · safe zone, above 3
- Interest cover
- 11.3×
Interest cover · operating profit covers the interest bill several times over
Details›
- Total debtQ2 2026
- $1.75B
- Cash and short-term investments
- $894M
- Net debt
- $855M
- EBITDA, trailing twelve months
- $2.31B
- Operating profit, trailing twelve months
- $1.99B
- Debt / equity
- 0.27×
- Total debt / EBITDA
- 0.76×
- Annualised volatilitytwo years of daily moves
- 65%
- Worst drawdown on file
- −92%
- Below its 52-week high
- 5.7%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Oil & Gas Refining & Marketing
Ranks #6 of 9 by RyuScore