PAG vs. TJX: Penske Automotive vs. TJX Stock Comparison

November 11, 2026

How do Penske Automotive (PAG) and TJX (TJX) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Penske Automotive (PAG) and TJX (TJX) both belong to the Specialty Retail industry, though PAG is classified under Automotive Retail while TJX falls under Apparel Retail.

Company profile comparison for Penske Automotive (PAG) and TJX (TJX)
Profile Item	PAG	TJX
Name	Penske Automotive Group Inc.	The TJX Companies, Inc.
Country/Region	United States	United States
GICS Sector	Consumer Discretionary	Consumer Discretionary
GICS Industry Group	Consumer Discretionary Distribution & Retail	Consumer Discretionary Distribution & Retail
GICS Industry	Specialty Retail	Specialty Retail
GICS Sub-Industry	Automotive Retail	Apparel Retail
Market Capitalization	13.94 billion USD	148.83 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	October 23, 1996	June 26, 1987
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

PAG

TJX

GSPC

Penske Automotive (PAG) vs. TJX (TJX), with S&P 500 (GSPC) for reference: 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 TJX (TJX). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Penske Automotive (PAG) and TJX (TJX)
Metric	PAG	TJX
Total Return (1Y)	39.10%	-3.30%
Total Return (3Y, Annualized)	16.11%	16.27%
Total Return (5Y, Annualized)	16.74%	16.25%

Risk Profile

Drawdown History

PAG

TJX

GSPC

Penske Automotive (PAG) vs. TJX (TJX), with S&P 500 (GSPC) for reference: 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 TJX (TJX). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Penske Automotive (PAG) and TJX (TJX)
Metric	PAG	TJX
Volatility (1Y, Annualized)	27.55%	22.76%
Beta (5Y)	0.90	0.59
Max Drawdown (5Y)	-24.03%	-27.68%
Avg. Volume (3M)	450.08K	7.57M

Risk-Adjusted Performance

Risk-Return Positioning

PAG and TJX are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Penske Automotive (PAG) and TJX (TJX)
Metric	PAG	TJX
Sharpe Ratio (1Y)	1.26	-0.33
Sortino Ratio (1Y)	2.27	-0.48

Profitability

ROE (TTM)

TJX (TJX) at 62.17% sits in the top ROE quartile, while Penske Automotive (PAG) at 15.47% is closer to the peer norm — stronger capital efficiency for TJX.

PAG

Consumer Discretionary Distribution & Retail industry group

15.47%

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

TJX

Consumer Discretionary Distribution & Retail industry group

62.17%

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

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their ROE against the Consumer Discretionary Distribution & Retail industry group benchmark.

Net Margin (TTM)

TJX (TJX) at 9.73% retains a top-quartile share of revenue as profit, ahead of Penske Automotive (PAG) at 2.77%, which keeps about the industry-typical share.

PAG

Consumer Discretionary Distribution & Retail industry group

2.77%

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

TJX

Consumer Discretionary Distribution & Retail industry group

9.73%

Max: 16.94%
TJX: 9.73%
Q3: 8.69%
Median: 3.55%
Q1: 1.14%
Min: -9.41%

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their net margin against the Consumer Discretionary Distribution & Retail industry group benchmark.

Operating Margin (TTM)

TJX (TJX) at 10.91% operates in the top operating margin quartile, ahead of Penske Automotive (PAG) at 3.60%, which runs around its industry’s norm.

PAG

Consumer Discretionary Distribution & Retail industry group

3.60%

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

TJX

Consumer Discretionary Distribution & Retail industry group

10.91%

Max: 21.45%
TJX: 10.91%
Q3: 10.89%
Median: 5.57%
Q1: 2.28%
Min: -7.12%

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their operating margin against the Consumer Discretionary Distribution & Retail industry group benchmark.

Profitability Metrics

Profitability metrics for Penske Automotive (PAG) and TJX (TJX)
Metric	PAG	TJX
ROE (TTM)	15.47%	62.17%
ROA (TTM)	4.25%	13.54%
Net Margin (TTM)	2.77%	9.73%
Operating Margin (TTM)	3.60%	10.91%
Gross Margin (TTM)	16.05%	31.47%

Growth

Revenue Growth

TJX (TJX) at 7.12% is around its peer norm for revenue growth, while Penske Automotive (PAG) at -0.18% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Penske Automotive (PAG) at 2.84% and TJX (TJX) at 14.32% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Penske Automotive (PAG) and TJX (TJX)
Metric	PAG	TJX
Revenue Growth (YoY)	-0.18%	7.12%
Revenue Growth (3Y CAGR)	4.57%	6.53%
EPS Growth (YoY)	2.84%	14.32%
EPS Growth (3Y CAGR)	-8.67%	17.92%

Financial Strength

Current Ratio (MRQ)

TJX (TJX) at 1.15 keeps current ratio within its industry’s typical mid-range, while Penske Automotive (PAG) at 0.98 runs in the tighter-liquidity quartile — a thinner cushion against current liabilities for PAG.

PAG

Consumer Discretionary Distribution & Retail industry group

0.98

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

TJX

Consumer Discretionary Distribution & Retail industry group

1.15

Max: 2.62
Q3: 1.75
Median: 1.35
TJX: 1.15
Q1: 1.00
Min: 0.48

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their current ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

Debt / Equity (MRQ)

Both Penske Automotive (PAG) at 1.53 and TJX (TJX) at 1.34 fund their balance sheets with roughly industry-typical debt-to-equity mixes.

PAG

Consumer Discretionary Distribution & Retail industry group

1.53

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

TJX

Consumer Discretionary Distribution & Retail industry group

1.34

Max: 3.93
Q3: 2.14
TJX: 1.34
Median: 1.25
Q1: 0.73
Min: 0.01

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their debt-to-equity ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

Financial Strength Metrics

Financial strength metrics for Penske Automotive (PAG) and TJX (TJX)
Metric	PAG	TJX
Current Ratio (MRQ)	0.98	1.15
Debt / Equity (MRQ)	1.53	1.34
Net Debt / EBITDA	6.53	0.93

Dividends

Dividend Yield (TTM)

Penske Automotive (PAG) at 2.70% delivers top-quartile income for its industry, while TJX (TJX) at 1.31% pays a more typical yield — both are credible income propositions, PAG the richer one.

PAG

Consumer Discretionary Distribution & Retail industry group

2.70%

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

TJX

Consumer Discretionary Distribution & Retail industry group

1.31%

Max: 5.84%
Q3: 2.50%
TJX: 1.31%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their dividend yield against the Consumer Discretionary Distribution & Retail industry group benchmark.

Dividend Payout Ratio (TTM)

Both Penske Automotive (PAG) at 41.11% and TJX (TJX) at 32.50% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

PAG

Consumer Discretionary Distribution & Retail industry group

41.11%

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

TJX

Consumer Discretionary Distribution & Retail industry group

32.50%

Max: 72.73%
TJX: 32.50%
Q3: 32.44%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their payout ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

Dividend Metrics

Dividend metrics for Penske Automotive (PAG) and TJX (TJX)
Metric	PAG	TJX
Dividend Yield (TTM)	2.70%	1.31%
Dividend Payout Ratio (TTM)	41.11%	32.50%

Valuation

P/E Ratio (TTM)

Penske Automotive (PAG) at 14.80 is near its industry’s usual P/E ratio, while TJX (TJX) at 25.06 sits in the richer quartile — TJX needs stronger growth or earnings quality to justify the premium.

PAG

Consumer Discretionary Distribution & Retail industry group

14.80

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

TJX

Consumer Discretionary Distribution & Retail industry group

25.06

Max: 40.50
TJX: 25.06
Q3: 24.26
Median: 19.23
Q1: 12.64
Min: 4.67

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their P/E ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

P/S Ratio (TTM)

Penske Automotive (PAG) at 0.43 is priced about in line with its industry on P/S ratio, while TJX (TJX) at 2.39 sits in the pricier quartile — TJX costs more per dollar of sales.

PAG

Consumer Discretionary Distribution & Retail industry group

0.43

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

TJX

Consumer Discretionary Distribution & Retail industry group

2.39

Max: 4.32
TJX: 2.39
Q3: 1.99
Median: 0.70
Q1: 0.26
Min: 0.03

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their P/S ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

P/B Ratio (MRQ)

Penske Automotive (PAG) at 2.35 sits near its industry’s typical P/B ratio, while TJX (TJX) at 13.99 prices above its benchmark range — TJX looks rich relative to book.

PAG

Consumer Discretionary Distribution & Retail industry group

2.35

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

TJX

Consumer Discretionary Distribution & Retail industry group

13.99

TJX: 13.99
Max: 10.96
Q3: 5.26
Median: 2.16
Q1: 1.08
Min: -4.45

Penske Automotive (PAG) vs. TJX (TJX): A comparison of their P/B ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

Valuation Metrics

Valuation metrics for Penske Automotive (PAG) and TJX (TJX)
Metric	PAG	TJX
P/E Ratio (TTM)	14.80	25.06
P/S Ratio (TTM)	0.43	2.39
P/B Ratio (MRQ)	2.35	13.99
Free Cash Flow Yield (TTM)	0.69%	2.96%