Phillips 66 PSX

equity

Price History

2012-04 · DCA start$34.05

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

2012-042026-08 · 0.0%

Worst drawdown: −62%, peaking Jul 2018 and bottoming Oct 2020 — 64 months below the prior high before recovering.

DCA Backtest

Start month

Monthly amount (USD)

Invested: $17,300
Value today: $46,469
Return: +168.6%
Months invested: 173

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $21,846 today, so the real (inflation-adjusted) return is +112.7%.

Lump sum instead — $17,300 all at once in Apr 2012: $114,612 (+562.5%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Jul 2026): $206.57 on $200 invested (+3.3%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

	J	F	M	A	M	J	J	A	S	O	N	D
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 2012-04: +168.6%

About Phillips 66

The Phillips 66 Company is an American multinational energy company headquartered in Westchase, Houston, Texas. Its name, dating back to 1927 as a trademark of the Phillips Petroleum Company, assisted in establishing the newly reconfigured Phillips 66. The company today was formed ten years after Phillips merged with Conoco to form ConocoPhillips. The merged company spun off its refining, chemical, and retail assets – known in the oil industry as downstream operations – into a new company bearing the Phillips 66 name. (Wikipedia)

It's a listed company categorised under energy and oil & gas refining & marketing, with a market cap of about $90.0B.

It rates High Risk at 2.8/5, meaning several rated factors score badly, so this carries materially more risk than a typical holding.

What pushes the score up: earnings quality (5.0/5) and market / volatility (3.0/5).

Scoring well: liquidity at 1.0/5.

Not yet researched: concentration, governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

High Risk(2.8/5)80% rated

How these ratings work

Market / Volatility3.0/5 · weight 20%

Annualised volatility (3yr)3/530.0
Max drawdown from ATH3/562.2
Beta vs S&P 5003/51.2

Liquidity1.0/5 · weight 15%

Avg daily $ volume1/5472.5m
Float % of shares outstandingnot yet researched

Leverage / Financial2.0/5 · weight 20%

Debt / equity2/50.65
Interest coverage (EBIT / interest)not yet researched

Earnings Quality5.0/5 · weight 15%

3yr EPS volatility5/5130

Concentrationunrated · weight 10%

Largest customer, % of revenuenot yet researched
Geographic revenue concentrationnot yet researched

Governanceunrated · weight 10%

Board independence %not yet researched
Share structurenot yet researched
Litigation / audit historynot yet researched

Sector / Regulatory3.0/5 · weight 10%

Sector regulatory exposure3/5elevated

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.