# PHINIA Inc. (PHIN) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services. Price $69.04, market value $2.5 billion.

## Valuation
- **P/E (trailing): 19.8×** (5-yr avg 19.7×, 3-yr avg 19.7×). PHINIA Inc. trades at 19.8× trailing earnings, close to its own five-year average of 19.7×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.12**. A PEG of 0.12 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.7×**. Each dollar of revenue is priced at 0.7×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 7.6×**. Enterprise value is 7.6× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 9.9%** (5-yr avg 8.2%). Free cash flow equals 9.9% of the market value, above its five-year average of 8.2%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 5.1%**. The inverse of the P/E: 5.1% of the price is earned each year.

## Profitability
- **Gross margin: 22.0%**. PHINIA Inc. keeps 22.0% of revenue after the direct cost of what it sells, a thin margin typical of retail, distribution and commodity businesses.
- **Operating margin: 7.0%**. 7.0% of revenue is left after running the business.
- **Net margin: 3.7%**. 3.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.2%**. 8.2% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: 9.1%**. Return on all capital, debt included, is 9.1%.
- **Return on assets: 3.5%**. Each dollar of assets produces 3.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 2.4%** (3-yr 1.3%/yr). Revenue grew 2.4% over the last year.
- **EPS growth (1 yr): 84.1%** (3-yr -16.5%/yr). Earnings per share rose 84.1%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -1.4%/yr**. Free cash flow has compounded at -1.4% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: $359 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.74%** ($1.14 per share, trailing). PHINIA Inc. yields 1.74%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 32%** (17% of free cash flow). 32% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 3**. 3 straight years of increases.

## Analyst view
- **Analyst consensus: buy** (5 analysts). 5 analysts cover PHINIA Inc.; the consensus is buy, with an average price target of $94.00 (+36% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 19.5%** (YTD 11.0%, 3-mo -12.8%). The shares are up 19.5% over twelve months including dividends.
- **From 52-week high: -20.6%** (35.9% above the low). Trading 21% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 40**. An RSI of 40 is neutral.
- **Beta (1 yr): 1.04** (volatility 34%). Beta of 1.04 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PHIN · Page: https://foliofundamentals.com/stocks/phin

Not investment advice.