Based on the aggregated intelligence of 170,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, oil refining giant Valero Energy (NYSE: VLO) has earned a coveted five-star ranking.

With that in mind, let's take a closer look at Valero's business and see what CAPS investors are saying about the stock right now.

Valero facts

Headquarters (Founded) San Antonio, Texas (1955)
Market Cap $15.2 billion
Industry Oil and gas refining and marketing
Trailing-12-Month Revenue $89.15 billion
Management

Chairman/CEO William Klesse

CFO Michael Ciskowski

Return on Equity (Average, Past 3 Years) (0.9%)
Cash/Debt $4.13 billion / $7.83 billion
Dividend Yield 0.8%
Competitors

BP (NYSE: BP)

Chevron (NYSE: CVX)

ExxonMobil (NYSE: XOM)

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 96% of the 4,538 members who have rated Valero believe the stock will outperform the S&P 500 going forward. These bulls include All-Stars Grijandel and Staka, both of whom are ranked in the top 16% of our community.

Earlier this year, Grijandel tapped Valero as a particularly cheap pick: "The company is selling at an attractive price compared to cycle-average results and for the long term demand pressure and regulations against new facilities should help keeping the crack spread at high average levels."

In fact, Valero currently sports a paltry price-to-cash flow of 3.7. That represents a clear discount to integrated oil giants like BP (16.4), Chevron (6.1), and Exxon (7.8).

CAPS All-Star Staka offers a balanced look at the stock:

Positive:
- Inexpensive, close to tangible book value
- Next years P/E is an estimated 8
- Capacity reductions in the industry might keep crack spreads high for longer
- A small improvement in profit margins back to historical averages will go a long way to further bring down the P/E (or up the stock price)

Negative:
- Chart looks like roling over
- Cyclical, dependent on crack spreads

What do you think about Valero, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. Motley Fool newsletter services have recommended Chevron. Try any of our Foolish newsletter services free for 30 days.

We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Fool's disclosure policy always gets a perfect score.