PBF · CIK 0001534504 · FY2025 live · 2025-12-31

PBF Energy Inc.

SafeSEC 10-KClassic ZEnergyHighest score in Energy · 17 names

View as

Model

Classic Z

FY2025

3.07

Zone

Safe

Prior

—

Market DD

—

1y PD

—

3.07

Z″ 1.89

−21.83.08+

Score 3.07 · distress below 1.80, grey to 2.99, safe at 3.00 and above.

Classic Z factor contributions

X1 Working capital / assets
Short-term liquidity versus the size of the balance sheet.
0.06
1.2 × = 0.07
X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
0.24
1.4 × = 0.34
X3 EBIT / assets
Operating return on assets. Highest weight in the original model.
−0.00
3.3 × = −0.01
X4 Book equity / liabilities
Book equity versus the liability stack. Mega-caps often look greyer here than they would if X4 used market cap.
0.70
0.6 × = 0.42
X5 Sales / assets
Asset turnover — how much revenue the asset base supports.
2.25
1 × = 2.25

Five-year path

Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings rather than invent a series.

Overview

rule-v1

PBF Energy Inc. is on classic Z at 3.07 (safe) for FY2025, from an SEC 10-K. Sales / assets is the line that sets the print. This is the first live year on the desk. No market tape loaded. Classic Z was fit on manufacturers; buybacks can send retained earnings negative at otherwise healthy issuers, and X4 is book equity, not market cap.

Book screen Safe; market PD —. Tape not priced — not a single default call.

Market DD · naive Merton

No market tape yet.

Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.

Sector peers

Closest Classic Z scores · Highest score in Energy.

KPI widgets

Current assets

$4.5B

Total assets

$13.0B

Current liabilities

$3.7B

Total liabilities

$7.6B

Working capital

$783M

Retained earnings

$3.1B

EBIT

−$54M

Total sales

$29.3B

Book equity

$5.3B

Accession 0001534504-26-000010. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-12-31). Classic Z is the live score. View as does not rewrite the live rank. X4 is book equity. Pulled 13 Sept 2026.