Penske Automotive (PAG) Stock Analysis

November 11, 2026

This is a peer-relative look at Penske Automotive (PAG): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Consumer Discretionary Distribution & Retail peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Penske Automotive (PAG)
Profile Item	PAG
Name	Penske Automotive Group Inc.
Country/Region	United States
GICS Sector	Consumer Discretionary
GICS Industry Group	Consumer Discretionary Distribution & Retail
GICS Industry	Specialty Retail
GICS Sub-Industry	Automotive Retail
Market Capitalization	13.94 billion USD
Currency	USD
Exchange	NYSE
Listing Date	October 23, 1996
Security Type	Common Stock

Price Performance

Cumulative Growth

PAG

GSPC

Penske Automotive (PAG) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Penske Automotive (PAG) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Penske Automotive (PAG) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Penske Automotive (PAG) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: PAG	Industry group median
Total Return (1Y)	39.10%	9.80%
Total Return (3Y, Annualized)	16.11%	9.74%
Total Return (5Y, Annualized)	16.74%	-0.72%

Risk Profile

Drawdown History

PAG

GSPC

Penske Automotive (PAG) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Penske Automotive (PAG) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Penske Automotive (PAG) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: PAG	Industry group median
Volatility (1Y, Annualized)	27.55%	48.29%
Beta (5Y)	0.90	1.08
Max Drawdown (5Y)	-24.03%	-68.45%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. PAG is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Penske Automotive (PAG) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: PAG	Industry group median
Sharpe Ratio (1Y)	1.26	0.10
Sortino Ratio (1Y)	2.27	0.16

Profitability

ROE (TTM)

Penske Automotive (PAG) posts ROE of 15.47%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

PAG

Consumer Discretionary Distribution & Retail industry group

15.47%

Group distribution

Max: 62.17%
Q3: 29.44%
Median: 15.69%
PAG: 15.47%
Q1: 6.73%
Min: -12.16%

Largest peers

HD: 104.30%
TJX: 62.17%
AMZN: 27.42%
PDD: 22.75%
PAG: 15.47%
BABA: 6.36%
LOW: --

Where Penske Automotive (PAG) stands on ROE within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Penske Automotive (PAG) keeps 2.77% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

PAG

Consumer Discretionary Distribution & Retail industry group

2.77%

Group distribution

Max: 16.94%
Q3: 8.69%
Median: 3.55%
PAG: 2.77%
Q1: 1.14%
Min: -9.41%

Largest peers

PDD: 20.43%
AMZN: 16.90%
TJX: 9.73%
HD: 8.41%
LOW: 7.35%
BABA: 7.04%
PAG: 2.77%

Where Penske Automotive (PAG) stands on net margin within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Penske Automotive (PAG) turns 3.60% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

PAG

Consumer Discretionary Distribution & Retail industry group

3.60%

Group distribution

Max: 21.45%
Q3: 10.89%
Median: 5.57%
PAG: 3.60%
Q1: 2.28%
Min: -7.12%

Largest peers

PDD: 24.71%
AMZN: 13.90%
LOW: 13.37%
HD: 12.86%
TJX: 10.91%
BABA: 7.30%
PAG: 3.60%

Where Penske Automotive (PAG) stands on operating margin within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Penske Automotive (PAG) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: PAG	Industry group median
ROE (TTM)	15.47%	15.69%
ROA (TTM)	4.25%	5.18%
Net Margin (TTM)	2.77%	3.55%
Operating Margin (TTM)	3.60%	5.57%
Gross Margin (TTM)	16.05%	38.87%

Growth

Revenue Growth

Penske Automotive (PAG) grew revenue -0.18%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

Penske Automotive (PAG): Revenue Growth across different time periods, set against Consumer Discretionary Distribution & Retail industry-group medians.

EPS Growth

Penske Automotive (PAG) grew earnings per share 2.84%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Penske Automotive (PAG): EPS Growth across different time periods, set against Consumer Discretionary Distribution & Retail industry-group medians.

Growth Metrics

Penske Automotive (PAG) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: PAG	Industry group median
Revenue Growth (YoY)	-0.18%	5.64%
Revenue Growth (3Y CAGR)	4.57%	3.32%
EPS Growth (YoY)	2.84%	0.28%
EPS Growth (3Y CAGR)	-8.67%	-5.08%

Financial Strength

Current Ratio (MRQ)

Penske Automotive (PAG) has current ratio of 0.98, in the tighter-liquidity quartile for its industry. The short-term cushion is thinner than most peers carry, even if the absolute comfort level still depends on the business model.

PAG

Consumer Discretionary Distribution & Retail industry group

0.98

Group distribution

Max: 2.62
Q3: 1.75
Median: 1.35
Q1: 1.00
PAG: 0.98
Min: 0.48

Largest peers

PDD: 2.62
BABA: 1.36
TJX: 1.15
LOW: 1.11
HD: 1.08
AMZN: 0.99
PAG: 0.98

Where Penske Automotive (PAG) stands on current ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Debt / Equity (MRQ)

Penske Automotive (PAG) has debt-to-equity ratio of 1.53, roughly in line with the peer group’s normal leverage range. Its mix of debt and equity looks typical for the industry.

PAG

Consumer Discretionary Distribution & Retail industry group

1.53

Group distribution

Max: 3.93
Q3: 2.14
PAG: 1.53
Median: 1.25
Q1: 0.73
Min: 0.01

Largest peers

HD: 3.80
PAG: 1.53
TJX: 1.34
AMZN: 0.50
BABA: 0.24
PDD: 0.01
LOW: --

Where Penske Automotive (PAG) stands on debt-to-equity ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Financial Strength Metrics

Penske Automotive (PAG) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: PAG	Industry group median
Current Ratio (MRQ)	0.98	1.35
Debt / Equity (MRQ)	1.53	1.25
Net Debt / EBITDA	6.53	2.50

Dividends

Dividend Yield (TTM)

Penske Automotive (PAG) has dividend yield of 2.70%, in the upper peer-yield quartile while still inside the industry range. The dividend offers more cash income per dollar of share price than most peers, though payout coverage still matters.

PAG

Consumer Discretionary Distribution & Retail industry group

2.70%

Group distribution

Max: 5.84%
PAG: 2.70%
Q3: 2.50%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Largest peers

BABA: 6.70%
PAG: 2.70%
LOW: 2.13%
HD: 1.32%
TJX: 1.31%
AMZN: 0.00%
PDD: 0.00%

Where Penske Automotive (PAG) stands on dividend yield within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Penske Automotive (PAG) has payout ratio of 41.11%, above the industry’s usual payout band. A larger share of earnings is going to dividends, so the cushion narrows if profit weakens.

PAG

Consumer Discretionary Distribution & Retail industry group

41.11%

Group distribution

Max: 72.73%
PAG: 41.11%
Q3: 32.44%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Largest peers

HD: 64.80%
PAG: 41.11%
LOW: 41.00%
TJX: 32.50%
BABA: 25.44%
AMZN: 0.00%
PDD: 0.00%

Where Penske Automotive (PAG) stands on payout ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Penske Automotive (PAG) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: PAG	Industry group median
Dividend Yield (TTM)	2.70%	0.00%
Dividend Payout Ratio (TTM)	41.11%	0.00%

Valuation

P/E Ratio (TTM)

Penske Automotive (PAG) trades at P/E ratio of 14.80, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

PAG

Consumer Discretionary Distribution & Retail industry group

14.80

Group distribution

Max: 40.50
Q3: 24.26
Median: 19.23
PAG: 14.80
Q1: 12.64
Min: 4.67

Largest peers

BABA: 26.50
TJX: 25.06
HD: 24.04
AMZN: 20.96
LOW: 18.98
PAG: 14.80
PDD: 9.34

Where Penske Automotive (PAG) stands on P/E ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Penske Automotive (PAG) trades at 0.43 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

PAG

Consumer Discretionary Distribution & Retail industry group

0.43

Group distribution

Max: 4.32
Q3: 1.99
Median: 0.70
PAG: 0.43
Q1: 0.26
Min: 0.03

Largest peers

AMZN: 3.52
TJX: 2.39
HD: 2.03
LOW: 1.39
PAG: 0.43
PDD: 0.26
BABA: 0.26

Where Penske Automotive (PAG) stands on P/S ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Penske Automotive (PAG) trades at 2.35 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

PAG

Consumer Discretionary Distribution & Retail industry group

2.35

Group distribution

Max: 10.96
Q3: 5.26
PAG: 2.35
Median: 2.16
Q1: 1.08
Min: -4.45

Largest peers

HD: 20.63
TJX: 13.99
AMZN: 4.57
PAG: 2.35
PDD: 1.74
BABA: 1.63
LOW: -16.94

Where Penske Automotive (PAG) stands on P/B ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Penske Automotive (PAG) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: PAG	Industry group median
P/E Ratio (TTM)	14.80	19.23
P/S Ratio (TTM)	0.43	0.70
P/B Ratio (MRQ)	2.35	2.16
Free Cash Flow Yield (TTM)	0.69%	3.57%