Quarterlytics / Energy / Oil & Gas Refining & Marketing / Delek US

Delek US

dk · NYSE Energy
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Ticker dk
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Sector Energy
Industry Oil & Gas Refining & Marketing
Employees 1001-5000
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FY2019 Annual Report · Delek US
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Integrated. Diversifying.           
  Expanding Midstream.       

2 0 1 9   A N N U A L   R E P O R T

About Us

Founded in 2001, Delek US Holdings, Inc. (NYSE: DK) is a 

LOGISTICS SEGMENT

downstream energy company with assets in petroleum 

refining, logistics and convenience store retailing. 

REFINING SEGMENT

Delek US’ subsidiaries own and operate refineries in Tyler 

and Big Spring, Texas, El Dorado, Arkansas and Krotz 

Springs, Louisiana with a combined nameplate crude 

throughput capacity of 302,000 barrels per day. Delek US’ 

Delek US beneficially owns approximately 63 percent 

(including 94.6 percent of the 2 percent general partner 

interest) of Delek Logistics Partners, LP. Delek Logistics 

Partners, LP (NYSE: DKL) is a growth-oriented master 

limited partnership focused on owning and operating 

midstream energy infrastructure assets. Our logistics 

segment reflects 100 percent of the performance of Delek 

Logistics Partners, LP. Adjustments for minority interest are 

refining system processes primarily light crude oil sourced 

made on a consolidated basis.

from the Permian Basin, Cushing, Oklahoma, East Texas, 

Gulf Coast and local production near the refinery locations.

RETAIL SEGMENT

The convenience store retail business operates 

approximately 250 convenience stores in central and west 

Texas and New Mexico.

Financial Highlights

TOTAL REFINING THROUGHPUTS

SEGMENT CONTRIBUTION MARGIN

Barrels Per Day

76,639

71,920

70,548

59,911

279,018

80,831

60,110

69,260

66,252

276,453

77,024

48,294 72,384

68,835

266,537

70,950

43,304 74,219

75,496

263,969

76,167

63,970

76,458

78,051

294,646

77,558

63,778

73,517

70,194

285,047

81,174

69,860

72,184

75,622

298,840

72,462

70,210

55,602 77,713

275,987

83,603

76,537

71,771

68,557

300,468

77,951

77,488

69,833

68,292

293,564

78,345

74,954

153,299

63,387

75,577

138,964

2019

2018

2017

4Q

3Q

2Q

1Q

4Q

3Q

2Q

1Q

4Q

3Q

2Q

1Q

Tyler Refinery

El Dorado Refinery

Big Spring Refinery

Krotz Springs Refinery

Dollars in Millions

Refining
Logistics
Retail

$58.9 

$58.5 

$169.8
$865.1

$173.4
$761.6

$26.8 

$121.9 
$450.7

2017

2018

2019

Note: The corporate/other segment had a contribution loss of 
($88.9) million, ($66.2 million) and ($34.7 million) in 2017, 2018 
and 2019, respectively, and is not included in the chart above.

HSD 5-3-2 GULF COAST CRACK SPREAD
Dollars Per Barrel

.

8
5
0
1
$

.

6
8
0
1
$

.

2
9
5
1
$

.

6
6
4
1
$

.

3
5
1
1
$

.

7
3
4
1
$

.

3
3
4
1
$

.

0
5
2
1
$

.

2
0
3
1
$

.

1
5
5
1
$

.

8
1
4
1
$

.

0
4
2
1
$

1Q

2Q

3Q

4Q

1Q

2Q

3Q

4Q

1Q

2Q

3Q

4Q

2017

2018

2019

EZRA UZI YEMIN
Chairman, President and  
Chief Executive Officer

Fellow  
Shareholders

In 2019, we invested in our integrated business while expanding 

our midstream platform. We made substantial progress on our 

strategic initiatives to better position the company for the future. 

On a consolidated basis in 2019, Delek US reported net income of $310.6 million, 

or $4.06 per diluted share, compared with net income of $340.1 million, or  

$3.95 per diluted share, in 2018. On an adjusted basis, Delek US reported net 

income of $252.5 million, or $3.30 per diluted share, in 2019 compared to net 

income of $416.6 million, or $4.92 per diluted share, in 2018. Adjusted EBITDA 

was $659.4 million in 2019 compared to $864.6 million in the prior year.  

As Delek has grown, we have focused on strategic priorities to support 

continuous improvement in the organization, enhance our competitive position 

and drive the free cash flow potential of our company. These priorities, centered 

on safety and investing in our people, also extend to improving our operations, 

while balancing cash returns to our shareholders. The end result is to position 

the company to create long-term value for its stakeholders. The following 

summarizes progress made during 2019 on these priorities, and how we are 

positioned for 2020.

          2 0 1 9   A N N U A L   R E P O R T          |           1

business as integral to our success as an organization, 

and we will strive to continuously improve in these areas 

in 2020. 

 ■

Broaden our winning culture. As a growing organization, 

we want to develop a culture that can support its 

success. Our core values: Safety, Integrity, Maximize 

Value, Passion for Winning & Excellence, Growth Oriented 

and Commitment are guiding factors in the way we do 

business. We are investing in our people by expanding 

our knowledge and capabilities through training, systems, 

and processes to support growth and agility.

 ■

Enhance our integrated platform. Our team is engaged 

on a path of continuous improvement in our operations. 

Our integrated platform allows us to purchase a barrel 

of crude oil at the wellhead, transport crude oil to 

our refineries to produce finished products, and then 

transport them to our retail network or third parties. In 

2019, we continued to enhance this platform. In refining, 

we completed projects such as the new alkylation unit at 

Krotz Springs, a five-year turnaround and improvement 

of the vacuum tower at El Dorado, and projects to bring 

Tyler into Tier III emissions control compliance. We 

improved our retail portfolio as 57 stores were converted 

from the 7-Eleven brand to our DK brand, with a slogan 

of “Making your day a little easier.” In logistics, we 

made midstream investments in our gathering systems 

and pipeline joint ventures that improve our crude oil 

 ■ Maintain and continue to enhance our safe operations 

and commitment to responsible corporate citizenship. 

Enhancing safety across our organization is a central 

focus. It is a core value at Delek and we work to ingrain 

this into our culture. I am proud of our team as they 

continue to make this core value part of their day-to-day 

operations. We are focused on creating a culture that 

strives to attain a goal of “Zero” recordable events in 

personal safety, process safety and environmental. This 

effort resulted in a Total Recordable Incident Rate (TRIR) 

of 0.62 and Days Away Restricted or Transferred (DART) 

of 0.32 in 2019. Both measures declined from 2018 levels, 

and compared with 2016, TRIR is down 76 percent and 

DART is down 83 percent.

In our 2018 Corporate Social Responsibility report, we 

flexibility and integration, while further diversifying our 

highlighted Environment/Health/Safety, Employee 

business mix. In 2020, we look forward to building on  

Engagement, Community Commitment, and Ethics and 

our investments.  

Governance as priorities for our company. We view 

Environmental, Social and Governance aspects of our 

As Delek has grown, we have focused on strategic priorities to support 
continuous improvement in the organization, enhance our competitive 
position and drive the free cash flow potential of our company.

2          I N T E G R A T E D .   D I V E R S I F Y I N G .   E X P A N D I N G   M I D S T R E A M .

 
DE L E K BRINGS ‘NEW ENERGY’   
TO CSR/ES G EF FORTS

As Delek’s business has expanded and diversified, our commitment to operating responsibly and making a difference 

in our communities has been reinforced. We are focused on continuous improvement in our priority areas for ESG 

(Environmental, Social, Governance) performance. We published our first corporate social responsibility (CSR) report in 

early 2019, under the theme of “A New Energy,” and we plan to publish a new ESG report in the second half of 2020. 

Environment: In environment, health and safety (EHS), we are focused on occupational safety and health, process safety 

and asset integrity, and overall environmental responsibility. 

Our focused and deliberate efforts around safety have led to improvements year-over-year, with a 76% reduction in TRIR 

and an 83% reduction in DART rates from 2016 to 2019. We are on a journey toward “Zero” recordable incidents. 

Social: Delek aims to create an environment where everyone – regardless of gender, ethnicity or other identifiers – can 

feel fully comfortable and included at work. Thirty-nine percent of our workforce is ethnically diverse, and thirty-six 

percent of jobs across our operations are held by females. 

Delek is dedicated to acting as a charitable partner in communities where we operate. Established in 2008, The Delek 

Fund for Hope actively supports 501(c)(3) charities in our communities. In 2019, the Fund for Hope raised $4.7 million for 

local organizations focused on education, environment, civic and basic human needs. 

Governance: Since Delek’s founding in 2001, operating our business in an ethical manner has been, and remains, our 

highest commitment to stakeholders. We expect our employees to always do the right thing, as defined in the Delek 

Code of Business Conduct & Ethics. We also value a strong, responsive and independent Board. Our Board of Directors 

was enhanced with the addition of two independent directors, Vicky Sutil in February 2019 and Richard Marcogliese in 

January 2020. As of January 2020, five of our seven directors are independent. 

The Board relies on four standing committees to assist in overseeing the affairs of the Company:

 ■

 ■

 ■

 ■

Audit Committee 

Compensation Committee 

Nominating and Corporate Governance Committee

Environmental, Health & Safety (EHS) Committee

TRIR AND DART PERFORMANCE – 
FULL COMPANY

2.55

1.93

1.75

Total Recordable 
Incident Rate (TRIR)

Days Away Restricted or 
Transferred (DART)

1.33

1.01

0.61

0.62

0.32

2016

2017

2018

2019

OUR CORE VALUES

          2 0 1 9   A N N U A L   R E P O R T          |         3

We expect our El Dorado refinery performance to improve 

First, we purchased a 33 percent interest in the Red River 

following work done in 2019, and a scheduled five-year 

pipeline joint venture. Our investment in this pipeline 

turnaround at our Big Spring refinery was completed 

provided midstream growth, while positioning us to 

in March 2020. Efforts in retail will continue to enhance 

enhance crude oil sourcing flexibility in our refining system. 

the store portfolio through rebranding, rationalizing 

The expected annualized EBITDA from this investment is 

underperforming locations and growing our distributor 

$13.5 million to $15.5 million. This pipeline is expected to 

network. As we make further improvements in the store 

be expanded in the first half of 2020, providing additional 

portfolio, we will look for opportunities to leverage the 

growth and increasing Delek US’ access to crude oil from 

benefit of our refining and logistics operations. We expect 

Cushing, Oklahoma to 100,000 barrels per day. Following 

to see an increased contribution from our midstream 

the expansion, the expected annualized EBITDA from this 

investments as gathering system volume increases and 

investment should increase to $20.0 million to $25.0 million.

projects are completed in our pipeline joint ventures.

Second, we invested approximately $147.0 million in our 

 ■

Diversify our business model through growth in our 

Big Spring Gathering System in West Texas during 2019, 

midstream operations. As we worked to diversify our 

bringing our total investment in this project to approximately 

earnings mix, we launched a strategic initiative to grow 

$226.0 million. In late 2019, this system began contributing 

our midstream platform in 2018, and made significant 

to performance with approximately 88,000 barrels per day 

progress in 2019 through three initiatives.

gathered in December. We expect this gathering system to 

generate $20 million to $25 million of EBITDA in 2020 with an 

ability to grow to $45 million to $55 million of EBITDA in 2022 

as it is developed. 

TH E U PSIDE O F MIDSTREAM INV ESTMENTS

Our intention is to use our cash flow and strong balance sheet to diversify our earnings mix by increasing the 

size of our more stable midstream business. During 2019, we executed several initiatives that will provide 

additional growth for our midstream platform. The combination of these midstream initiatives provides the 

foundation that moves us toward our goal of generating $370 million to $395 million of annualized EBITDA from 

our midstream platform in 2023.

INVESTMENT

CAPACITY

DELEK’S % OF 
OWNERSHIP

LOCATION

STATUS

Red River  
Pipeline JV

150,000 bpd, with 
expansion to 235,000 
bpd in 1H2020

Big Spring 
Gathering System

350,000 bpd upon 
completion by 2022

Wink to Webster 
Pipeline JV

>1 million bpd 
maximum capacity 
upon completion

33%

100%

15%

350-mile connection between 
Cushing, Oklahoma and 
Longview, Texas

Operational, with 
expansion underway

200-mile system located in 
Howard, Borden, Martin and 
Midland counties

Operational, with 
continued development

650-mile connection between 
Permian Basin and Texas Gulf 
Coast region, complementary 
to Big Spring Gathering System

Under construction, first 
phase to be completed 
in 2H2020, fully 
operational in 2021

4            I N T E G R A T E D .   D I V E R S I F Y I N G .   E X P A N D I N G   M I D S T R E A M .

Finally, we announced a 15 percent ownership interest 

in Wink to Webster Pipeline LLC. We joined a strong set 

of partners to build a 650-mile, 36-inch crude oil pipeline 

from the Permian Basin to the Texas Gulf Coast region. 

This pipeline is underpinned by a significant volume of 

long-term commitments that support solid returns on 

our investment. Delek’s contribution in this joint venture 

is expected to be $340 million to $380 million, of which 

approximately 80 percent will be project financed. We 

expect this investment will generate an internal rate of 

return well above our 15 percent minimum required rate 

for midstream projects. 

The combination of these midstream initiatives provides 

a foundation that moves us toward our goal of generating 

$370 million to $395 million of annualized EBITDA from our 

midstream platform in 2023. Our gathering system and the 

Wink to Webster pipeline are complementary and further 

support our integrated platform. We will purchase crude 

oil at the wellhead in our gathering system with the option 

to transport it to our refining system, move barrels to 

the Midland market, or deliver crude oil to the Texas Gulf 

Coast markets via the Wink to Webster pipeline. 

 ■ Maximize operational efficiencies. This extends to all 

aspects of the organization. It starts with people and ties 

together back-office processes and systems with the 

operating assets in refining, logistics and retail. These 

efforts to apply innovative technologies to maximize 

efficiencies include steps toward digital transformation 

of data in areas such as safety, business intelligence 

analytics, and operations to support decision-making 

across the organization. By safely maximizing our 

efficiencies, reliability and asset integrity, we should 

enhance our competitiveness and free cash flow 

generation potential. In a commodity-based environment 

that changes quickly, we are consistently focused on 

executing on factors that are within our control. To  

support the organization, investments in systems and 

processes are ongoing, with a focus on an Integrity 

Management System.

Our goal is to achieve a 97 percent crude oil utilization 

rate across our refining system, and we will continue to 

look for ways to leverage technology to enhance safety 

and performance. Through the implementation of an 

We expect to see an increased 
contribution from our midstream 
investments as gathering 
system volume increases and 
projects are completed in our 
pipeline joint ventures.

Integrity Management System, which creates a structured 

approach to managing all aspects of our operations, we 

want to develop a culture of continuous improvement that 

helps us achieve our goals. We are deploying process 

safety technology to allow accessible information on a 

real-time basis, normalizing maintenance/reliability and 

process optimization data to utilize it in a digitized format 

to improve operations and exploring technologies for 

autonomous operations. As I have highlighted before, the 

key to success to reduce lost profit opportunity in our 

refining system is consistent execution across utilization 

rate, reliability, safety and cost control.

In retail, utilizing back-office systems and technology to 

allow us to capture data can provide analytics to optimize 

business intelligence. These systems and processes allow 

us to better serve customers by efficiently managing 

merchandise, fuel and food programs. This also includes 

executing best-in-class processes for safety and employee 

wellness. Our logistics team is working to improve 

efficiencies through people and technology, as they  

design, construct, commission and operate assets to serve 

their customers.

          2 0 1 9   A N N U A L   R E P O R T          |       5

CAPITAL EXPENDITURES

Dollars in Millions

2020E

2019

2018

2017

$177.5

$325.7

$317.2

$428.1

CASH DIVIDENDS
Dollars Per Share

2019

2018

2017

$1.14

$0.96

$0.60

STOCK REPURCHASED
Dollars in Millions

$178.1

2019

2018

2017

$25.0

CASH POSITION

Dollars in Millions

2019

2018

2017

$955.3

$1,079.3

$931.8

$365.3

CAPITAL ALLOCATION STRATEGY FOCUSED 
ON LONG-TERM VALUE CREATION 

Our disciplined and rigorous capital allocation program consists of three 

primary elements: 1) investing in our business, 2) growing through 

acquisitions, and 3) returning cash to shareholders through dividends and 

share repurchases. Based on opportunities to create long-term shareholder 

value, we may allocate a different amount of financial resources to each 

component over time. 

In 2019, we invested $428.1 million in capital expenditures, with  

$266.6 million in refining, $9.9 million in logistics and $20.5 million in retail. 

Our corporate segment invested $131.1 million including $128.0 million* for 

the Big Spring Gathering system as part of our midstream initiative. 

During the year, we invested $128.2 million related to our 33 percent interest 

in the Red River pipeline joint venture. In addition, we contributed  

$126.7 million toward our 15 percent investment in the Wink to Webster 

pipeline joint venture. Approximately $50.0 million of this 2019 contribution 

was returned in the first quarter of 2020, through the creation of a joint 

venture that secured project financing for our Wink to Webster investment. 

As a result, our portion of the cash contribution to Wink to Webster has  

been completed based on the estimated project costs and the remaining 

portion should be project financed. These projects, combined with our  

Big Spring Gathering System, provide significant steps in our midstream 

growth initiative. 

Our Board of Directors increased the regular quarterly dividend seven times 

from $0.15 per share in December 2017 to $0.30 per share paid in December 

2019. This resulted in the regular dividend declared for 2019 increasing 

by approximately 19 percent to $1.14 per share from $0.96 per share in 

2018. In 2019, we repurchased $178.1 million of Delek US common stock or 

approximately 5.0 million shares. Through a combination of dividends and 

share repurchases, we returned $264.9 million of cash to shareholders  

in 2019. 

We ended 2019 with $955.3 million of cash and $2,067.1 million of  

long-term debt. At year end, Delek Logistics, a subsidiary of Delek US, had 

$5.5 million of cash and $833.1 million of long-term debt, which are included 

in the consolidated balance sheet. Excluding Delek Logistics, Delek US had 

$949.8 million in cash and $1,234.0 million of long-term debt, resulting in a 

net debt position of $284.2 million.  

As we began 2020, our Board of Directors approved a 3.3 percent increase in 

our regular quarterly dividend to $0.31, or an annualized regular dividend of 

$1.24 per share. This is a 9 percent increase from the 2019 regular dividend 

of $1.14 per share. We will continue to invest in our business through a 

forecasted approximately $326.0 million of capital expenditures in 2020. 

Our share repurchase authorization has $229.7 million remaining as of 

February 29, 2020, and we will continue to allocate excess cash flow to share 

repurchases in the quarter after it is earned based on available growth 

opportunities and market conditions. 

* Excludes purchase of right-of-ways in the amount of $19.1 million in 2019.

6           I N T E G R A T E D .   D I V E R S I F Y I N G .   E X P A N D I N G   M I D S T R E A M .

 
 ■

Create organizational scalability to support growth. 

 ■

Use our financial flexibility and cash flow to create 

People, processes and technology can be challenging 

shareholder value. Delek is focused on managing cash 

for a growing company, as growth sometimes comes in 

flow to support a capital allocation program that includes 

large steps, which can stretch an organization. We are 

continued growth, investing in our existing assets and 

focused on fostering our culture to develop our people, 

returning cash to shareholders, with an overarching goal 

create systems and processes to maximize efficiencies, 

of increasing long-term value. In addition to investing in 

and retain knowledge within the organization. Initiatives 

our integrated platform in 2019, we returned  

are underway to reduce expenses by utilizing our internal 

$264.9 million of cash to our shareholders through a 

competencies, developing information systems to support 

combination of dividends and share repurchases. As 

better decisions, and employing technology across the 

we invest in both our existing operations and grow our 

organization to make it safer and more efficient. The focus 

midstream platform in 2020, we will apply our capital 

of these efforts is to create a structure that is scalable as 

allocation program to balance between investments and 

we grow in the future. 

returning cash to shareholders. As we entered 2020, our 

regular quarterly dividend was increased to $0.31 per 

share and there is $229.7 million of share repurchase 

authorization remaining at February 29, 2020.

Our goal is to achieve a 97 percent crude oil utilization rate 
across our refining system, and we will continue to look for ways 
to leverage technology to enhance safety and performance. 

          2 0 1 9   A N N U A L   R E P O R T          |       7
          2 0 1 8   A N N U A L   R E P O R T          |           1 1

During 2019, the organization was aligned along the priorities described throughout this letter. 

These efforts resulted in better safety metrics and enhanced our existing asset base through 

the completion of large projects in refining, growth in midstream and improvements in the retail 

store portfolio. We look forward to 2020, as we continue to build a strong foundation and further 

diversify our integrated platform to capitalize on midstream growth. 

We remain committed to creating and sustaining long-term value for our employees, 

communities and shareholders. I want to thank our employees for your dedication and our 

shareholders for your continued support.

We look forward to new opportunities and continued growth in the year to come.

Sincerely,

EZRA UZI YEMIN

Chairman, President and Chief Executive Officer

Delek US Holdings, Inc.

OPERATIONS MAP

DELEK REFINERIES

DKL CRUDE PIPELINE

DKL TERMINAL

DKL JOINT VENTURE CRUDE PIPELINES

DELEK ASPHALT TERMINAL

THIRD-PARTY CRUDE PIPELINES

DELEK RENEWABLES

THIRD-PARTY PRODUCT PIPELINES

RETAIL CITIES

LONGVIEW, TEXAS

THIRD-PARTY TERMINAL

CORPORATE HEADQUARTERS

8         I N T E G R A T E D .   D I V E R S I F Y I N G .   E X P A N D I N G   M I D S T R E A M .

Delek US Holdings, Inc. Non-GAAP Reconciliation Tables

Reconciliation of U.S. GAAP Net Income Attributable to Delek to Adjusted Net Income

Reported net income attributable to Delek

ADJUSTMENTS AFTER TAX

Net inventory valuation (benefit) loss
Environmental indemnification proceeds
Contract termination/modification charges
Adjusted unrealized hedging loss (gain)
Transaction related expenses
Tax Cuts and Jobs Act adjustment
Impairment loss on assets held for sale
Gain on sale of the asphalt business
Loss on extinguishment of debt
Retroactive biodiesel tax credit (1)
Non-operating write-off of pre-acquisition asset
Discontinued operations (income) loss
Net income attributable to non-controlling interest of discontinued operations
Tax adjustment related to unrealizable deferred taxes created in Big Spring Asset Acquisition
Total after tax adjustments
Adjusted net income (loss)

(1) The portion of the retroactive biodiesel tax credit that was attributable to 2018 has been adjusted out of the year ended December 31, 2019, and has been added to the year ended December 31, 2018 for comparability.  
Additionally, the retroactive 2017 biodiesel tax credit that was enacted during the first quarter of 2018 has been adjusted out of the adjusted net income for the year ended December 31, 2018, also for comparability.

Reconciliation of U.S. GAAP Net Income Per Share to Adjusted Net Income Per Share

Reported diluted income per share

ADJUSTMENTS AFTER TAX (PER SHARE) (1)

Net inventory valuation (benefit) loss
Environmental indemnification proceeds
Contract termination/modification charges
Adjusted unrealized hedging loss (gain)
Transaction related expenses
Tax Cuts and Jobs Act adjustment
Impairment loss on assets held for sale
Gain on sale of the asphalt business
Loss on extinguishment of debt
Retroactive biodiesel tax credit
Non-operating write-off of pre-acquisition asset
Discontinued operations (income) loss
Net income attributable to non-controlling interest of discontinued operations
Tax adjustment related to unrealizable deferred taxes created in Big Spring Asset Acquisition
Total adjustments
Adjustment for economic benefit of note hedge related to Senior Convertible Notes (2)
Adjusted net income per share

SHARES USED IN COMPUTING NONGAAP DILUTIVE EFFECT OF CONVERTIBLE DEBT (2)

Diluted
Less: Adjustment for economic benefit of note hedge related to Senior Convertible Notes (2)
Non-GAAP Adjusted Diluted Share Count

YEAR ENDED DECEMBER 31,
YEAR ENDED DECEMBER 31,

2019

2018

(UNAUDITED)

 $310.6 

 $340.1 

 (40.9)
 -   
 -   
 20.2 
 -   
 -   
 -   
 -   
 -   
 (35.9)
 3.7 
 (5.2)
 -   
 -   
(58.1)
 $252.5 

 40.2 
 (15.5)
 4.8 
 (22.2)
 12.6 
 (0.6)
 27.0 
 (10.4)
 7.0
 11.3 
 -   
 8.7 
 8.1 
 5.5 
76.5
$416.6

YEAR ENDED DECEMBER 31,

(UNAUDITED)

2019

$4.06

 (0.53)
 -   
 -   
 0.26 
 -   
 -   
 -   
 -   
 -   
 (0.47)
 0.05 
 (0.07)
 -   
 -   
(0.76)
-
 $3.30

2018

 $3.95

 0.46 
 (0.18)
 0.06 
 (0.26)
 0.15 
 (0.01)
 0.31 
 (0.12)
 0.08 
 0.13 
 -   
0.10 
0.09 
0.07 
0.88
0.09
 $4.92

 76,574,091 
 -   
 76,574,091 

 86,768,401 
 1,525,846 
 85,242,555 

(1) The tax calculation is based on the appropriate marginal income tax rate related to each adjustment and for each respective time period, which is applied to the adjusted items in the calculation of adjusted net income in all periods. 
(2) Delek US had a convertible note hedge transaction in effect to offset the economic dilution of the additional shares from the Convertible Notes that matured on September 17, 2018.

Reconciliation of Forecasted Incremental Annualized Net Income to  
Forecasted Incremental Annualized EBITDA for the Big Spring Gathering System

(in millions) 
Forecasted Incremental Annualized Net Income

ADD FORECASTED INCREMENTAL FOR

Interest Expense, Net

Depreciation and Amortization

Forecasted Incremental EBITDA

YEAR ENDED DECEMBER 31,

2019

2018

FORECASTED RANGE
$10.0
$5.0

0.0

15.0

$20.0

0.0

15.0

$25.0

          2 0 1 9   A N N U A L   R E P O R T           |       9

 
Reconciliation of U.S. GAAP Net Income (Loss)  
to Adjusted EBITDA

Reported net income attributable to Delek

ADD

Interest expense, net
Loss on extinguishment of debt
Income tax expense (benefit) - continuing operations
Depreciation and amortization
EBITDA
ADJUSTMENTS

Net inventory valuation (benefit) loss
Environmental indemnification proceeds
Contract termination/modification charges
Adjusted unrealized hedging loss (gain)
Transaction related expenses
Impairment loss on assets held for sale
Gain on sale of the asphalt business
Retroactive biodiesel tax credit (1)
Non-operating write-off of pre-acquisition asset
Discontinued operations (income) loss

Net income attributable to non-controlling interest

Total adjustments
Adjusted EBITDA

YEAR ENDED DECEMBER 31,

2019

$310.6

 119.8 
-
 71.7 
 194.3 
 696.4 

 (52.3)
- 
- 
 26.1 
- 
- 
- 
 (36.0)
 4.8 
 (5.2)

 25.6 

 (37.0) 
 $659.4 

(UNAUDITED)

2018

$340.1

120.1 
9.1
101.9 
199.4 
770.6 

51.3 
(20.0)
 6.2 
(28.6)
16.0 
 27.5 
(13.3)
11.4 
 -   
 8.7 

34.8 

94.0
 $864.6

(1) The portion of the retroactive biodiesel tax credit that was attributable to 2018 has been adjusted out of the year ended
December 31, 2019, and has been added to the year ended December 31, 2018 for comparability. Additionally, the retroactive 
2017 biodiesel tax credit that was enacted during the first quarter of 2018 has been adjusted out of the adjusted net income for 
the year ended December 31, 2018, also for comparability.

Reconciliation of Unrealized (Gains) Losses on Economic Hedge Commodity Derivatives  
Not Designated as Hedges to Adjusted Unrealized Hedging (Gains) Losses

RECONCILIATION OF NET CASH FROM OPERATING ACTIVITIES TO DISTRIBUTABLE CASH FLOW

Unrealized loss (gain) on economic hedge commodity derivatives not designated as hedges
Less: Net effect of settlement timing differences
Portion of current period unrealized loss (gain) where the instrument has matured but has not cash settled as of period end
Less: Prior period unrealized loss (gain) where the instrument had matured but had not cash settled as of prior period end
Total net effect of settlement timing differences
Adjusted unrealized hedging losses (gains)

YEAR ENDED DECEMBER 31,
YEAR ENDED DECEMBER 31,

2019

2018

$41.0 

 6.8 
 (8.1)
 14.9 
$26.1 

($32.1)

 (8.1)
 (4.6)
 (3.5)
($28.6)

Delek Logistics Partners, LP Reconciliation of Forecasted Incremental Annualized Net Income  
to Forecasted Incremental Annualized Adjusted EBITDA for the Red River Pipeline Joint Venture  

($ in millions)

Pre-Expansion Range

Post-Expansion Range

Forecasted Incremental Annualized Net Income

ADD FORECASTED INCREMENTAL FOR

Interest Expense, Net

Depreciation and Amortization

Forecasted Incremental EBITDA
ADJUSTMENTS

$5.6

6.6

0.0

12.2

$7.6

$10.1

$15.1

6.6

0.0

14.2

7.6

0.0

17.7

7.6

0.0

22.7

2.3

Add Forecasted Incremental Distributions from operations
of non- controlled entities in excess of earnings

1.3

1.3

2.3

Forecasted Incremental Annualized Adjusted EBITDA

$13.5

$15.5

$20.0

$25.0

1 0             I N T E G R A T E D .   D I V E R S I F Y I N G . E X P A N D I N G   M I D S T R E A M

UNITED STATES
 SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

Form 10-K 

(Mark One)

ANNUAL REPORT PURSUANT TO SECTION 18 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the Fiscal Year Ended

December 31, 2019

OR

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from                      to                     

Commission file number 001-38142 

DELEK US HOLDINGS, INC. 
(Exact name of registrant as specified in its charter)

Delaware
(State or other jurisdiction of incorporation or organization)

35-2581557
(I.R.S. Employer Identification No.)

7102 Commerce Way

Brentwood

Tennessee

(Address of principal executive offices)

37027

(Zip Code)

(615) 771-6701 
(Registrant’s telephone number, including area code)
Not Applicable
(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Common Stock, par value $0.01

Trading Symbol

DK

Name of each exchange on which registered

New York Stock Exchange

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes 

 No 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.  Yes 

 No 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or 
for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  Yes 

 No 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (Section 232.405 of 
this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).  Yes  

   No 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company.  See 
the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act. 

Large accelerated filer

Accelerated filer

Non-accelerated filer 

Smaller reporting company 

Emerging growth company 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting 
standards provided pursuant to Section 13(a) of the Exchange Act. 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).  Yes 

 No 

The aggregate market value of the common stock held by non-affiliates as of June 30, 2019 was approximately $3,646,155,246, based upon the closing sale price of the registrant's common 
stock on the New York Stock Exchange on that date.  For purposes of this calculation only, all directors and officers subject to Section 16(b) of the Securities Exchange Act of 1934 are 
deemed to be affiliates.

At February 21, 2020, there were 73,414,200 shares of the registrant's common stock, $.01 par value, outstanding (excluding securities held by, or for the account of, the Company or its 
subsidiaries).

Portions of the registrant's definitive Proxy Statement to be delivered to stockholders in connection with the 2020 Annual Meeting of Stockholders, which will be filed with the Securities and 
Exchange Commission within 120 days after December 31, 2019, are incorporated by reference into Part III of this  Annual Report on Form 10-K.

Documents incorporated by reference

1 |

 
 
 
2 |

Delek US Holdings, Inc.
Annual Report on Form 10-K
For the Annual Period Ending December 31, 2019

PART I
Items 1 & 2. Business and Properties
Item 1A. Risk Factors
Item 1B. Unresolved Staff Comments
Item 3. Legal Proceedings
Item 4. Mine Safety Disclosures

PART II
Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of
Equity Securities
Item 6. Selected Financial Data
Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 7A. Quantitative and Qualitative Disclosures About Market Risk
Item 8. Financial Statements and Supplementary Data
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
Item 9A. Controls and Procedures
Item 9B. Other Information

PART III
Item 10. Directors, Executive Officers and Corporate Governance
Item 11. Executive Compensation
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder
Matters

Item 13. Certain Relationships and Related Transactions, and Director Independence

Item 14. Principal Accountant Fees and Services

PART IV
Item 15. Exhibits, Financial Statement Schedules
Item 16. Form 10-K Summary
Signatures

Table of Contents

7
30
49
50
50

51
53
54
90
92
92
92
93

94
94

94

94

94

95
101
102

3 |

 
Table of Contents

4 |

Delek US Holdings, Inc. is a registrant pursuant to the Securities Act of 1933 and is listed on the New York Stock Exchange ("NYSE") under the 
ticker symbol "DK." Effective July 1, 2017 (the "Effective Time"), we acquired the outstanding common stock of Alon USA Energy, Inc. ("Alon") (the 
"Delek/Alon  Merger",  as  further  discussed  in  Note  3  of  the  consolidated  financial  statements  included  in  Item 8,  Financial  Statements  and 
Supplementary Data, of this Annual Report on Form 10-K), resulting in a new post-combination consolidated registrant renamed as Delek US 
Holdings, Inc. (“New Delek”), with Alon and the previous Delek US Holdings, Inc. (“Old Delek”) surviving as wholly-owned subsidiaries. New Delek 
is the successor issuer to Old Delek and Alon pursuant to Rule 12g-3(c) under the Securities Exchange Act of 1934, as amended (the "Exchange 
Act"). 

Unless otherwise noted or the context requires otherwise, the disclosures and financial information included in this report for the periods prior to 
July 1, 2017 reflect that of Old Delek, and the disclosures and financial information included in this report for the periods beginning July 1, 2017 
reflect that of New Delek. The terms  "we," "our," "us," "Delek" and the "Company" are used in this report to refer to Old Delek and its consolidated 
subsidiaries for the periods prior to July 1, 2017, and New Delek and its consolidated subsidiaries for the periods on or after July 1, 2017, unless 
otherwise noted.  Our business consists of three operating segments: refining, logistics and retail.

 As of December 31, 2019, we owned a 61.4% limited partner interest in Delek Logistics Partners, LP ("Delek Logistics"), a publicly-traded master 
limited partnership that we formed in April 2012, and a 94.6% interest in Delek Logistics GP, LLC ("Logistics GP"), which owns the entire 2.0%
general partner interest in Delek Logistics. By virtue of the Delek/Alon Merger, we acquired an 81.6% limited partner interest in Alon USA Partners, 
LP (the "Alon Partnership"), then a publicly-traded limited partnership, as well as 100% interest in Alon USA Partners GP, LLC (the “Alon General 
Partner”). The Alon General Partner owns 100% of the general partner interest in the Alon Partnership, which is a non-economic interest. On 
February 7, 2018, we acquired the remaining outstanding units in the Alon Partnership.

Statements in this Annual Report on Form 10-K, other than purely historical information, including statements regarding our plans, strategies, 
objectives, beliefs, expectations and intentions are forward-looking statements. These forward-looking statements generally are identified by the 
words "may," "will," "should," "could," "would," "predicts," "intends," "believes," "expects," "plans," "scheduled," "goal," "anticipates," "estimates" 
and similar expressions. Forward-looking statements are based on current expectations and assumptions that are subject to risks and uncertainties, 
including those discussed below and in Item 1A, Risk Factors, which may cause actual results to differ materially from the forward-looking statements. 
See also "Forward-Looking Statements" included in Item 7, Management's Discussion and Analysis of Financial Condition and Results of Operations, 
of this Annual Report on Form 10-K.

See the “Glossary of Terms” beginning on page 4 of this Annual Report on Form 10-K for definitions of certain business and industry terms used 
herein.

Available Information

Our Internet website address is www.DelekUS.com.  Information contained on our website is not part of this Annual Report on Form 10-K.  Our 
reports, proxy and information statements, and any amendments to such documents are filed electronically with the Securities and Exchange 
Commission (“SEC”) and are available on our Internet website in the “Investor Relations” section, free of charge, as soon as reasonably practicable 
after we file or furnish such material to the SEC.  We also post our Governance Guidelines, Code of Business Conduct & Ethics and the charters 
of our Board of Directors’ committees in the “Corporate Governance” section of our website, accessible by navigating to the “About Us” section on 
our Internet website. We will provide any of these documents to any stockholder that makes a written request to the Secretary, Delek US Holdings, 
Inc., 7102 Commerce Way, Brentwood, Tennessee 37027.

5 |

Glossary of Terms

Glossary of Terms

The following are definitions of certain industry terms used in this Annual Report on Form 10-K:

Alkylation Unit - A refinery unit utilizing an acid catalyst to combine smaller hydrocarbon molecules to form larger molecules in the gasoline boiling 
range to produce a high octane gasoline blendstock, which is referred to as alkylate. 

Barrel - A unit of volumetric measurement equivalent to 42 U.S. gallons.

Biodiesel - A renewable fuel produced from vegetable oils or animal fats that can be blended with petroleum-derived diesel to produce biodiesel 
blends for use in diesel engines.  Pure biodiesel is referred to as B100, whereas blends of biodiesel are referenced by how much biodiesel is in 
the blend (e.g., a B5 blend contains five volume percent biodiesel and 95 volume percent ULSD).

Blendstocks - Various products or intermediate streams that are combined with other components of similar type and distillation range to produce 
finished gasoline, diesel fuel or other refined products.  Blendstocks may include natural gasoline, hydrotreated Fluid Catalytic Cracking Unit 
gasoline, alkylate, ethanol, reformate, butane, diesel, biodiesel, kerosene, light cycle oil or slurry, among others.

Bpd/bpd - Barrels per calendar day. 

Brent Crude (Brent) - A light, sweet crude oil, though not as light as WTI. Brent is the leading global price benchmark for Atlantic basin crude oil.

CBOB - Motor gasoline blending components intended for blending with oxygenates, such as ethanol, to produce finished conventional motor 
gasoline. 

CERCLA - Comprehensive Environmental Response, Compensation and Liability Act.

Colonial Pipeline - A pipeline owned and operated by the Colonial Pipeline Company that originates near Houston, Texas and terminates near 
New York, New York, connecting the U.S. refinery region of the Gulf Coast with customers throughout the southern and eastern United States.

Complexity Index - A measure of secondary conversion capacity of a refinery relative to its primary distillation capacity used to quantify and rank 
the complexity of various refineries.  Generally, more complex refineries have a higher index number.

Contribution margin - Net revenues less costs of materials and other and operating expenses, excluding depreciation and amortization.

Crack spread - The crack spread is a measure of the difference between market prices for crude oil and refined products and is commonly used 
proxy within the industry to estimate or identify trends in refining margins.

Crude Distillation Capacity, Nameplate Capacity or Production Capacity - The maximum sustainable capacity for a refinery or process unit 
for a given feedstock quality and severity level, measured in barrels per day. 

Cushing - Cushing, Oklahoma.

Delayed Coking Unit (Coker) - A refinery unit that processes ("cracks") heavy oils, such as the bottom cuts of crude oil from the crude or vacuum 
units, to produce blendstocks for light transportation fuels or feedstocks for other units and petroleum coke.

Direct operating expenses - Operating expenses attributed to the respective segment.

EISA - Energy Independence and Security Act of 2007. 

Enterprise Pipeline System - A major product pipeline transport system that reaches from the Gulf Coast into the northeastern United States. 

EPA - The Environmental Protection Agency.

Ethanol - An oxygenated blendstock that is blended with sub-grade (CBOB) or conventional gasoline to produce a finished gasoline.  

E-10 - A 90% gasoline-10% ethanol blend.

E-15 - An 85% gasoline-15% ethanol blend.

E-85 - A blend of gasoline and 70%-85% ethanol.

Feedstocks - Crude oil and petroleum products used as inputs in refining processes.

FERC - The Federal Energy Regulatory Commission.

FIFO - First-in, first-out inventory accounting method.

Fluid Catalytic Cracking Unit or FCC Unit - A refinery unit that uses fluidized catalyst at high temperatures to crack large hydrocarbon molecules 
into smaller, higher-valued molecules (LPG, gasoline, LCO, etc.).

Gulf Coast 2-1-1 crack spread  - A crack spread, expressed in dollars per barrel, reflecting the approximate gross margin resulting from processing, 
or "cracking",  one barrel of crude oil into one-half barrel of gasoline and one-half barrel of high sulfur diesel, utilizing the market prices of LLS 
crude oil, Gulf Coast Pipeline conventional gasoline and Gulf Coast Pipeline No. 2 Heating Oil. 

6 |

Glossary of Terms

Gulf Coast 3-2-1 crack spread - A crack spread, expressed in dollars per barrel, reflecting the approximate gross margin resulting from processing,  
or "cracking",  one barrel of crude oil into two-thirds barrel of gasoline and one-third barrel of ultra-low sulfur diesel, utilizing the market prices of 
WTI crude oil, Gulf Coast Pipeline conventional gasoline and Gulf Coast Pipeline ultra-low sulfur diesel. 

Gulf Coast 5-3-2 crack spread - A crack spread, expressed in dollars per barrel, reflecting the approximate gross margin resulting from processing,  
or "cracking", one barrel of crude oil into three-fifths barrel of gasoline and two-fifths barrel of high sulfur diesel, utilizing the market prices of WTI 
crude oil, Gulf Coast Pipeline CBOB and Gulf Coast Pipeline No. 2 Heating Oil.

Gulf Coast Pipeline CBOB - A grade of gasoline blendstock that must be blended with 10% biofuels in order to be marketed as Regular Unleaded 
at retail locations. 

Gulf Coast Pipeline No. 2 Heating Oil - A petroleum distillate that can be used as either a diesel fuel or a fuel oil. This is the standard by which 
other Gulf Coast distillate products (such as ultra-low sulfur diesel) are priced. 

Gulf Coast Region - Commonly referred to as PADD III, includes the states of Texas, Arkansas, Louisiana, Mississippi, Alabama and New Mexico.

HLS - Heavy Louisiana Sweet crude oil; typical API gravity of 33° and sulfur content of 0.35%.

Hydrotreating Unit - A refinery unit that removes sulfur and other contaminants from hydrocarbons at high temperatures and moderate to high 
pressure in the presence of catalysts and hydrogen.  When used to process fuels, this unit reduces the sulfur dioxide emissions from these fuels.

Isomerization Unit - A refinery unit altering the arrangement of a molecule in the presence of a catalyst and hydrogen to produce a more valuable 
molecule, typically used to increase the octane of gasoline blendstocks.

Jobbers - Retail stations owned by third parties that sell products purchased from or through us.

LIFO - Last-in, first-out inventory accounting method.

Light/Medium/Heavy Crude Oil - Terms used to describe the relative densities of crude oil, normally represented by their API gravities. Light 
crude oils (those having relatively high API gravities) may be refined into a greater number of valuable products and are typically more expensive 
than a heavier crude oil.

LLS - Louisiana Light Sweet crude oil; typical API gravity of 38° and sulfur content of 0.34%.

LPG - Liquefied petroleum gas.

LSR - Light straight run naphtha.

Mid-Continent Region -  Commonly referred to as PADD II, includes the states of North Dakota, South Dakota, Nebraska, Kansas, Oklahoma, 
Minnesota, Iowa, Missouri, Wisconsin, Illinois, Michigan, Indiana, Ohio, Kentucky and Tennessee.

Midland - Midland, Texas.

MMBTU - One Million British Thermal Units.

MSCF/d - Abbreviation for a thousand standard cubic feet per day, a common measure for volume of natural gas.

Naphtha - A hydrocarbon fraction that is used as a gasoline blending component, a feedstock for reforming and as a petrochemical feedstock.

New York Mercantile Exchange (NYMEX) - A commodities futures exchange.

NGL - Natural gas liquids.

OSHA - The Occupational Safety and Health Administration.

Petroleum Administration for Defense District (PADD) - Any of five regions in the United States as set forth by the Department of Energy and 
used throughout the oil industry for geographic reference. Our refineries operate in PADD III, commonly referred to as the Gulf Coast Region.

Petroleum Coke - A coal-like substance produced as a byproduct during the Delayed Coking refining process.

Per barrel of sales - Calculated by dividing the applicable income statement line item (operating margin or operating expenses) by the total barrels 
sold during the period.

PPB - Parts per billion.

PPM - Parts per million.

RCRA - Resource Conservation and Recovery Act.

Refining margin, refined product margin - Refining margin or refined product margin is measured as the difference between net refining revenues 
and total refining cost of materials and other and is used as a metric to assess a refinery's product margins against market crack spread trends.

7 |

Glossary of Terms

Reforming Unit - A refinery unit that uses high temperature, moderate pressure and catalyst to create petrochemical feedstocks, high octane 
gasoline blendstocks and hydrogen.

Renewable Fuels Standard 2 (RFS-2) - An EPA regulation promulgated pursuant to the EISA, which requires most refineries to blend increasing 
amounts of renewable fuels (including biodiesel and ethanol) with refined products.

Renewable Identification Number (RIN) - A renewable fuel credit used to satisfy requirements for blending renewable fuels under RFS-2.

Roofing flux - An asphalt-like product used to make roofing shingles for the housing industry.

Straight run - Product produced off of the crude or vacuum unit and not further processed.

Sweet/Sour crude oil - Terms used to describe the relative sulfur content of crude oil. Sweet crude oil is relatively low in sulfur content; sour crude 
oil is relatively high in sulfur content. Sweet crude oil requires less processing to remove sulfur and is typically more expensive than sour crude 
oil.

Throughput - The quantity of crude oil and feedstocks processed through a refinery or a refinery unit.

Turnaround - A periodic shutdown of refinery process units to perform routine maintenance to restore the operation of the equipment to its former 
level of performance.  Turnaround activities normally include cleaning, inspection, refurbishment, and repair and replacement of equipment and 
piping.  It is also common to use turnaround periods to change catalysts or to implement capital project improvements.

Ultra-Low Sulfur Diesel (ULSD) - Diesel fuel produced with a lower sulfur content (15 ppm) to reduce sulfur dioxide emissions. ULSD is the only 
diesel fuel that may be used for on-road and most other applications in the U.S.

UST - Underground storage tank.

Vacuum Distillation Unit - A refinery unit that distills heavy crude oils under deep vacuum to allow their separation without coking.

West Texas Intermediate Crude Oil (WTI) - A light, sweet crude oil characterized by an API gravity between 38° and 44° and a sulfur content of 
less than 0.4 wt% that is used as a benchmark for other crude oil. 

West Texas Sour Crude Oil (WTS) - A sour crude oil, characterized by an API gravity between 30° and 33° and a sulfur content of approximately 
1.28 wt% that is used as a benchmark for other sour crude.

8 |

Business and Properties

ITEMS 1 and 2. BUSINESS and PROPERTIES

Company Overview

PART I

We are an integrated downstream energy business focused on petroleum refining (the "Refining" segment), the transportation, storage and wholesale 
distribution of crude oil, intermediate and refined products (the "Logistics" segment) and convenience store retailing (the "Retail" segment). Delek 
US Holdings, Inc., a Delaware corporation formed in 2016 (a successor to the original Delek US Holdings, Inc. which was a Delaware corporation 
originally formed in 2001), operates through its consolidated subsidiaries, which include Delek US Energy, Inc. (and its subsidiaries) ("Delek 
Energy") and Alon USA Energy, Inc. ("Alon" as previously defined) (and its subsidiaries). 

The following map outlines the geography of our integrated downstream energy structure as of December 31, 2019: 

Refining

Logistics

Retail

302,000 barrels per day ("bpd") total capacity:

10 terminals

252 stores as of December 31, 2019

Tyler, TX

El Dorado, AR

Big Spring, TX

Krotz Springs, LA

Approximately 1,640 miles of pipeline (1)

Southwest U.S. locations

11.4 million barrels of storage capacity

Primary source of fuel is Big Spring, TX refinery

Crude oil pipeline joint ventures:

Red River Pipeline Company LLC ("Red River")

WTI primary crude oil supply - 260,000 bpd

Caddo Pipeline LLC ("CP LLC")

Biodiesel facilities with 40 million gallons total
annual capacity:

Andeavor Logistics RIO Pipeline LLC ("Andeavor
Logistics")

Crossett, AR

Cleburne, TX

New Albany, MS

(1)  Includes approximately 240 miles of leased capacity.

West Texas wholesale:

Sale of refined products through terminals

9 |

The principal activities of our Refining, Logistics and Retail segments are described below:

Refining Segment
Inputs:

Products:

crude oil and other feedstocks

transportation motor fuels, including various grades of gasoline, diesel fuel and aviation 
fuel, asphalt and other petroleum-based products

Business and Properties

Nameplate Capacity (bpd):

Primary Refinery Operations (and bpd capacity):

Tyler, Texas refinery (the "Tyler refinery")

El Dorado, Arkansas refinery (the "El Dorado refinery")

Big Spring, Texas refinery (the "Big Spring refinery")

302,000

75,000

80,000

73,000

Krotz Springs, Louisiana refinery (the "Krotz Springs refinery") 74,000

Other Refinery Operations/Assets:

Renewables facilities

approximately  40  million  gallons  of  annual  biodiesel  production  capacity  across  three 
facilities located in Crossett, Arkansas, Cleburne, Texas and New Albany, Mississippi

Bakersfield, California refinery assets

non-operating

Primary Distribution Channels:

Tyler refinery

El Dorado refinery

Big Spring refinery

Krotz Springs refinery

Logistics Segment

Primary Operations:

Fee-Based Revenue Sources:

majority of production is distributed through a refined products terminal located at the 
refinery that is owned and operated by our logistics segment to supply the local market 
in the east Texas area

majority of production is shipped into the Enterprise Pipeline System and our logistics 
segment's El Dorado Pipeline system to supply a combination of pipeline bulk sales and 
wholesale  rack  sales  at  terminal  locations  along  the  pipeline  in  Louisiana, Arkansas, 
Tennessee, Missouri and Indiana

signification portion of production is distributed across the refinery truck terminal into local 
markets and by pipeline through various terminals to supply Delek or Alon branded retail 
sites focused on Central and West Texas, Oklahoma, New Mexico and Arizona

majority of production is distributed through pipeline and barge bulk sales and wholesale 
rack sales at terminals located on the Colonial Pipeline system in the southeastern United 
States

owns and operates crude oil and refined products logistics and marketing assets for the use in providing 
logistics  and  marketing  services  to  customers;  the  primary  customer  is  Delek  and  inter-company 
revenues and costs are eliminated in consolidation 

gathering, transporting and storing crude oil and for marketing, distributing, transporting and storing 
intermediate and refined products in select regions of the southeastern United States and West Texas 
for both our refining segment and third parties

Other Revenue Sources:

sales of wholesale products in the West Texas market

Owned or Leased Pipeline Capacities (in
approximate miles):

Crude oil transportation pipelines

Refined product pipelines

Crude oil gathering system (1)

Other Logistics Assets/Facilities:

400

450

700

Gathering system crude oil capacity,
intermediate and refined products storage tanks 9.9 million barrels of active shell capacity

Other storage tanks

Terminals

various other storage tanks located at our terminals

operates ten light product distribution terminals located in Tennessee, Texas, Oklahoma and Arkansas 

Joint venture investments

strategic investments in pipelines/pipeline systems servicing various areas including the Permian Basin

(1) In addition to the 700-mile crude oil gathering system, our logistics segment is also managing construction of the approximately 250-mile gathering system in the Permian Basin 
connecting to our Big Spring, Texas terminal and will operate the gathering system as it is completed. As of December 31, 2019, approximately 177 miles of the gathering system 
were completed and operational. See further discussion in our 'Recent Strategic Developments' section below.

10 |

Business and Properties

.

Retail Segment
Number of Stores at December 31, 2019 (owned
and leased):

252

Geographic Areas Served:

Central and West Texas and New Mexico

Branding:

Fuel Offerings at Retail Locations:

Delek (under "DK") and Alon branding on certain locations which will continue to increase as we re-
brand existing 7-Eleven locations (1)

various grades of gasoline and diesel under the DK or Alon brand name, primarily sourced by our Big 
Spring refinery

Merchandise Offerings at Convenience Store
Retail Locations:

food  products,  food  service,  tobacco  products,  non-alcoholic  and  alcoholic  beverages,  general 
merchandise as well as money orders

(1) In November 2018, we terminated a license agreement with 7-Eleven, Inc. and must remove all 7-Eleven branding on a store-by-store basis by December 31, 2021. Merchandise 
at our convenience store sites will continue to be sold under the 7-Eleven brand name until 7-Eleven branding is removed at each convenience store site. As of December 31, 
2019, we had removed the 7-Eleven brand name at 57 of our store locations.

Significant Acquisition and Dispositions 

Historically, we have grown through acquisitions in all of our segments.  Our business strategy has been focused on growing our integrated business 
model that allows us to participate in all phases of the downstream production process, from transporting crude oil to our refineries for processing 
into refined products to selling fuel to customers. This growth may come from acquisitions as well as investments in our existing businesses, as 
we continue to broaden our existing geographic presence and integrated business model. Our strategy also includes evaluating certain under-
performing and non-core business lines and assets and divesting of those when doing so helps us achieve our strategic objectives.

Significant Acquisitions

Effective July 1, 2017, we acquired all of the outstanding stock of Alon (the "Delek/Alon Merger"). See further discussion in Note 3 of our consolidated 
financial statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K. The Delek/Alon 
Merger continues to have a significant impact on our revenue and profitability as well as earnings per share, our net asset position, our purchasing 
position in the marketplace, our footprint in the refining industry, especially in the Gulf Coast Region and Permian Basin, and our ability to secure 
financing.

Below is a tabular summary of our significant acquisitions over the last five years, including the Delek/Alon Merger:

Date

Acquired Company/Assets

Acquired From

May 2015

Purchased 48% of the outstanding common stock of Alon.

Alon Israel Oil Company,
Ltd.

July 2017

Purchased the remaining approximately 53% ownership in Alon that 
Delek did not already own, in an all-stock transaction.

Shareholders of Alon USA
Energy, Inc.

February 2018

Purchased the remaining 18.4% ownership in the Alon Partnership that 
Delek did not already own, in an all-equity transaction. 

LP unit holders of Alon
USA Partners, LP

Approximate 
Purchase Price(1)

$575.8 million

$530.7 million

$184.7 million

May 2019

July 2019

Acquired  a  33%  membership  interest  in  Red  River  Pipeline  Joint 
Venture.

Plains Pipeline, L.P.

$124.7 million

Acquired a 15% membership interest in Wink to Webster ("WWP"), 
Joint Venture.

Wink to Webster Pipeline
LLC

$145.6 million

(1)  Includes amounts paid through the date of this Annual Report on Form 10-K, excluding transaction costs. Excludes future commitments on the WWP Joint Venture, where total 

capital investments are expected to be $340 million to $380 million  by the time construction of the pipeline is completed.

11 |

Business and Properties

Significant Dispositions

California Discontinued Entities

During the third quarter 2017, we committed to a plan to sell certain assets associated with our Paramount and Long Beach, California refineries 
and Alon's California renewable fuels facility, which were originally acquired as part of the Delek/Alon Merger. 

On March 16, 2018, Delek sold to World Energy, LLC ("World Energy") (i) all of Delek’s membership interests in the California renewable fuels 
facility ("AltAir") (ii) certain refining assets and other related assets located in Paramount, California and (iii) certain associated tank farm and 
pipeline assets and other related assets located in California. The sale involved initial proceeds due at closing, a subsequent working capital 
settlement as well as contingent proceeds for Delek's pro rata portion of any biodiesel tax credits ("BTC") relating to AltAir activities in 2018 earned 
through the sale date in connection with the re-enactment of the 2018 BTC that occurred in December 2019, and other final adjustments on retained 
contingent liabilities. After the resolution of contingencies in 2019, total proceeds were $93.3 million and we recognized a $33.3 million loss on the 
sale (pre-tax), $41.4 million (pre-tax) of which we recognized in 2018. See further discussion in Note 8 of our consolidated financial statements 
included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K).

The transaction to dispose of certain assets and liabilities associated with our Long Beach, California refinery to Bridge Point Long Beach, LLC 
closed July 17, 2018 resulting in initial cash proceeds of approximately $14.5 million, net of expenses, and resulting in a gain on sale of discontinued 
operations of approximately $1.4 million during the third quarter of 2018. In 2019, we settled remaining contingencies resulting in a gain on sale 
of discontinued operations of approximately $1.9 million net of tax. See further discussion in Note 8 of our consolidated financial statements included 
in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K.

Asphalt Terminals

On May 21, 2018, we sold certain assets and operations of  four  asphalt terminals located in Bakersfield, Mojave and Elk Grove, California and 
Phoenix, Arizona, as well as our 50% equity interest in the Paramount-Nevada Asphalt Company, LLC joint venture that operated an asphalt 
terminal located in Fernley, Nevada, to an affiliate of Andeavor (prior to its acquisition by Marathon Petroleum).  As a result of this transaction, we 
received net proceeds of approximately $110.8 million, inclusive of the $75.0 million base proceeds as well as certain preliminary working capital 
adjustments. See further discussion in Note 8 of our consolidated financial statements included in Item 8, Financial Statements and Supplementary 
Data, of this Annual Report on Form 10-K.

Recent Strategic Developments 

Midstream Investments

Since the Delek/Alon Merger, we have focused efforts on developing a 250-mile gathering system in the Permian Basin with existing connectivity 
to our Big Spring, Texas refinery as well as a third party pipeline system accessing Colorado City and future direct connectivity to Midland. This 
gathering system provides Delek with access to crude directly from wellheads which we expect to provide improvement in refining performance 
and cost structure while also providing a foundation for building a new midstream income source. As of December 31, 2019, approximately 177 
miles of the gathering system were completed and operational. 

Additionally, in 2019, we made strategic midstream investments in pipeline joint ventures. In May 2019, Delek Logistics, acquired a 33% membership 
interest in Red River Pipeline Company LLC (the "Red River Pipeline Joint Venture") with Plains Pipeline, L.P. (“Plains”). The Red River Pipeline 
Joint Venture is proceeding with an expansion project to increase the capacity of the pipeline from 150,000 barrels per day to 235,000 barrels 
per day.  Additionally, in July 2019, we acquired a 15% ownership interest in Wink to Webster Pipeline LLC (the "WWP Joint Venture").  The WWP 
Joint Venture intends to construct and operate a crude oil pipeline system from Wink, Texas to Webster, Texas along with certain pipelines from 
Webster, Texas to other destinations in the Texas Gulf Coast area that are expected to span approximately 650 miles at completion (expected to 
be completed by 2022).

Retail Optimization and Rebranding

In our retail segment, we are actively implementing strategic initiatives to reduce our reliance on external brands and to optimize the performance 
of our portfolio of stores. We have rolled out our own branding initiatives which we will optimize in our current geographic areas as well as emerging 
markets. As a part of these efforts, we elected to terminate the 7-Eleven licensing agreement (as discussed above) with the intention to re-brand 
these stores with our own brand to capitalize on and build our brand recognition in the applicable regions. Additionally, we sold 15 under-performing 
or non-strategic store locations during 2018 and 30 stores during 2019. While the proceeds and resultant gains on sale of such related assets 
were not significant to our financial results, removing these stores from our portfolio enables us to better focus our retail management and operational 
efforts on individual store performance, strategic optimization and growth opportunities which may include not only rebranding but possibly also 
expansion initiatives.

Other Strategic Developments

In addition to those described above, we entered into several other strategic transactions in order to improve our financial position or enhance 
shareholder value. See further discussion regarding our specific Strategic Goals and Recent Developments in the 'Executive Summary and Strategic 
Overview' section located in Item 7, Management's Discussion and Analysis, of this Annual Report on Form 10-K.

12 |

Business and Properties

Information About Our Segments

Delek operates in three reportable operating segments: the refining segment, the logistics segment and the retail segment, which are discussed 
below.  Additional segment and financial information is contained in our segment results included in Item 7, Management's Discussion and Analysis 
of Financial Condition and Results of Operations, and in Note 4, Segment Data, of our consolidated financial statements included in Item 8, Financial 
Statements and Supplementary Data, of this Annual Report on Form 10-K.

Refining Segment

Overview

We own and operate four independent refineries located in Tyler, Texas, El Dorado, Arkansas, Big Spring, Texas and Krotz Springs, Louisiana, 
currently representing a combined 302,000 bpd of crude throughput capacity.  Our refining system produces a variety of petroleum-based products 
used in transportation and industrial markets, which are sold to a wide range of customers located principally in inland, domestic markets and 
which comply with current Environmental Protection Agency ("EPA") clean fuels standards. All four of these refineries are located in the U.S. Gulf 
Coast ("Gulf Coast") Region (PADD III), which is one of the five Petroleum Administration for Defense District ("PADD") regional zones established 
by the U.S. Department of Energy where refined products are produced and sold. Refined product prices generally differ among each of the five 
PADDs.

Our refining segment also includes three biodiesel facilities we own and operate that are engaged in the production of biodiesel fuels and related 
activities, located in Crossett, Arkansas, Cleburne, Texas and New Albany, Mississippi.

Refining System Feedstock Purchases

We purchase more crude oil than our refineries process, generally through a combination of long-term acreage dedication agreements and short-
term crude oil purchase agreements. This provides us with the opportunity to optimize the supply cost to the refineries while also maximizing the 
value of the volumes purchased directly from oil producers. The majority of the crude oil we purchase is sourced from inland domestic sources, 
primarily in areas of Texas, Arkansas, and Louisiana, although we can also purchase crude delivered via rail from other regions, including Oklahoma 
and Canada. Existing agreements with third-party pipelines and Delek Logistics allow us to deliver approximately 205,000 barrels per day of crude 
oil from West Texas directly to our refineries. Typically, approximately 260,000 barrels per day of the crude oil we deliver to our four operating 
refineries is priced as a differential to the price of West Texas Intermediate (“WTI”) crude oil. In most cases, the differential is established in the 
month prior to the month in which the crude oil is delivered to the refineries for processing.

Refining System Production Slate

Our refining system processes a combination of light sweet and medium sour crude oil, which, when refined, results in a product mix consisting 
principally of higher-value transportation fuels such as gasoline, distillate and jet fuel.  A lesser portion of our overall production consists of residual 
products, including paving asphalt, roofing flux and other products with industrial applications.

Refined Product Sales and Distribution

Our refineries sell products on a wholesale and branded basis to inter-company and third-party customers located in Texas, Oklahoma, New 
Mexico, Arizona, Arkansas, Tennessee and the Ohio River Valley, including Gulf Coast markets and areas along the Enterprise Pipeline System 
and the Colonial Pipeline System, through terminals and exchanges.

Refining Segment Seasonality

Demand for gasoline and asphalt products is generally higher during the summer months than during the winter months due to seasonal increases 
in motor vehicle traffic and road and home construction.  Varying vapor pressure requirements between the summer and winter months also tighten 
summer gasoline supply.  As a result, the operating results of our refining segment are generally lower for the first and fourth quarters of the calendar 
year.  

Refining Segment Competition

The refining industry is highly competitive and includes fully integrated national and multinational oil companies engaged in many segments of the 
petroleum  business,  including  exploration,  production,  transportation,  refining,  marketing  and  retail  fuel  and  convenience  stores,  along  with 
independent refiners. Our principal competitors are petroleum refiners in the Mid-Continent and Gulf Coast Regions, in addition to wholesale 
distributors operating in these markets.  

The principal competitive factors affecting our refinery operations are crude oil and other feedstock costs, the differential in price between various 
grades of crude oil, refinery product margins, refinery reliability and efficiency, refinery product mix, and distribution and transportation costs. 

13 |

Business and Properties

Tyler Refinery

Our Tyler refinery has a nameplate crude throughput capacity of 75,000 bpd. The refinery site consists of approximately 600 contiguous acres of 
land that we own in Tyler, Texas and adjacent areas, of which the main plant and associated tank farms adjacent to the refinery sit on approximately 
100 acres.

The Tyler refinery is designed to process mainly light, sweet crude oil, which is typically a higher quality of crude than heavier sour crude. The Tyler 
refinery has access to crude oil pipeline systems that allow us access to east Texas, West Texas and, to a limited extent, Gulf of Mexico and foreign 
crude oil.  Most of the crude supplied to the Tyler refinery is delivered by third-party pipelines and through pipelines owned by our logistics segment.   

The charts below set forth information concerning crude oil received based on purchases at the Tyler refinery for the years ended December 31, 
2019, 2018 and 2017:

Major processes at our Tyler refinery include crude distillation, vacuum distillation, naphtha reforming, naphtha and diesel hydrotreating, fluid 
catalytic cracking, alkylation, and delayed coking. The Tyler refinery has a Complexity Index of 8.7.  

14 |

The chart below sets forth information concerning the throughput at the Tyler refinery:

Business and Properties

The Tyler refinery primarily produces two grades of gasoline (E10 premium 93 and E10 regular 87), as well as aviation gasoline.  Diesel and jet 
fuel products produced at the Tyler refinery include military specification jet fuel, commercial jet fuel and ultra-low sulfur diesel. The Tyler refinery 
offers both E-10 and biodiesel blended products. In addition to higher-value gasoline and distillate fuels, the Tyler refinery produces small quantities 
of propane, refinery grade propylene and butanes, petroleum coke, slurry oil, sulfur and other blendstocks. The Tyler refinery produces both low-
sulfur gasoline and ultra-low sulfur diesel fuel, both on-road and off-road, pursuant to the current EPA clean fuels standards.

The chart below sets forth information concerning the Tyler refinery's production slate:

The Tyler refinery is currently the only major distributor of a full range of refined petroleum products within a radius of approximately 100 miles of 
its location. The vast majority of our transportation fuels and other products produced at the Tyler refinery are sold directly from a refined products 
terminal owned by Delek Logistics and located at the refinery.  We believe this allows our customers to benefit from lower transportation costs 
compared to alternative sources. Our customers include major oil companies, independent refiners and marketers, jobbers, distributors in the U.S. 
and Mexico, utility and transportation companies, the U.S. government and independent retail fuel operators. 

Taking into account the Tyler refinery's crude and refined product slate, as well as the refinery's location near the Gulf Coast Region, we apply the 
Gulf Coast 5-3-2 crack spread to calculate the approximate refined product margin resulting from processing one barrel of crude oil into three-fifths 
barrel of gasoline and two-fifths barrel of high sulfur diesel.

15 |

Business and Properties

El Dorado Refinery

Our El Dorado refinery has a nameplate crude throughput capacity of 80,000 bpd. The refinery site consists of approximately 460 acres of land 
that we own in El Dorado, Arkansas, of which the main plant and associated tank farms adjacent to the refinery sit on approximately 335 acres.  
The El Dorado refinery is the largest refinery in Arkansas, and represents more than 90% of state-wide refining capacity.   

The El Dorado refinery is designed mainly to process a wide variety of crude oil, ranging from light sweet to heavy sour.  The refinery receives 
crude by several delivery points, including from local sources as well as other third-party pipelines that connect directly into Delek Logistics' El 
Dorado Pipeline System, which runs from Magnolia, Arkansas, to the El Dorado refinery (the "El Dorado Pipeline System"), and rail at third-party 
terminals. 

We also purchase crude oil for the El Dorado refinery from inland sources in east and West Texas, as well as in south Arkansas and north Louisiana 
through a crude oil gathering system owned and operated by Delek Logistics (the "SALA Gathering System").

The charts below set forth information concerning crude oil received at the El Dorado refinery for the years ended December 31, 2019, 2018 and 
2017: 

Major processes at our El Dorado refinery include crude distillation, vacuum distillation, naphtha isomerization and reforming, naphtha and diesel 
hydrotreating, gas oil hydrotreating, fluid catalytic cracking and alkylation.  The El Dorado refinery has a Complexity Index of 10.2. 

16 |

The chart below sets forth information concerning the throughput at the El Dorado refinery: 

Business and Properties

The El Dorado refinery produces a wide range of refined products, from multiple grades (E-10 premium 93 and E-10 regular 87) of gasoline and 
ultra-low sulfur diesel fuels, liquefied petroleum gas ("LPG"), refinery grade propylene and a variety of asphalt products, including paving grade 
asphalt and roofing flux. The El Dorado refinery offers both E-10 and biodiesel blended products. The El Dorado refinery produces both low-sulfur 
gasoline and ultra-low sulfur diesel fuel, both on-road and off-road, pursuant to the current EPA clean fuels standards.

The chart below sets forth information concerning the El Dorado refinery's production slate:

Products manufactured at the El Dorado refinery are sold to wholesalers and retailers through spot sales, commercial sales contracts and exchange 
agreements in markets in Arkansas, Memphis, Tennessee and north into the Ohio River Valley region as well as in Mexico.  The El Dorado refinery 
connection via the logistics segment to the Enterprise Pipeline System is a key means of product distribution for the refinery, because it provides 
access to third-party terminals in multiple Mid-Continent markets located adjacent to the system, including Shreveport, Louisiana, North Little Rock, 
Arkansas, Memphis, Tennessee, and Cape Girardeau, Missouri. The El Dorado refinery also supplies products to these markets through product 
exchanges on the Colonial Pipeline.  

The crude oil and product slate flexibility of the El Dorado refinery allows us to take advantage of changes in the crude oil and product markets; 
therefore, we anticipate that the quantities and varieties of crude oil processed and products manufactured at the El Dorado refinery will continue 
to vary.  While there is variability in the crude slate and the product output at the El Dorado refinery, we compare our per barrel refined product 
margin to the Gulf Coast 5-3-2 crack spread because we believe it to be the most closely aligned benchmark. 

17 |

 
Business and Properties

Big Spring Refinery

Our Big Spring refinery has a nameplate crude throughput capacity of 73,000 bpd and is located on 1,306 acres of land that we own in the Permian 
Basin in West Texas. The main plant and associated tank farms adjacent to the refinery sit on approximately 330 acres. It is the closest refinery 
to Midland, Texas ("Midland"), which allows us to efficiently source West Texas Sour ("WTS") and WTI Midland crude. Additionally, the Big Spring 
refinery has the ability to source locally-trucked crude as well as crude locally gathered from our own developing gathering system, which enables 
us to better control quality and eliminate the cost of transporting the crude supply from Midland. 

The Big Spring refinery is designed to process a variety of crude, ranging from light sweet to medium sour, with the flexibility to convert its production 
to one or the other based on market pricing conditions. Our Big Spring refinery receives WTS and WTI crude by truck from local gathering systems 
and regional common carrier pipelines. Other feedstocks, including butane, isobutane and asphalt blending components, are delivered by truck 
and railcar. A majority of the natural gas we use to run the refinery is delivered by a pipeline in which we own a majority interest.

The charts below set forth information concerning crude oil received at the Big Spring refinery for the years ended December 31, 2019, 2018 and 
the six months ended December 31, 2017 (the period since the Delek/Alon Merger):

Major processes at our Big Spring refinery include crude distillation, vacuum distillation, naphtha reforming, naphtha and diesel hydrotreating, 
aromatic extraction, propane de-asphalting, fluid catalytic cracking, and alkylation. The Big Spring refinery has a Complexity Index of 10.5.

18 |

The chart below sets forth information concerning the throughput at the Big Spring refinery for the years ended December 31, 2019, 2018 and the 
six months ended December 31, 2017 (the period since the Delek/Alon Merger):  

Business and Properties

The Big Spring refinery primarily produces two grades of gasoline (E10 premium 91 and E10 regular 87). Diesel and jet fuel products produced at 
the Big Spring refinery include military specification jet fuel, commercial jet fuel and ultra-low sulfur diesel. We also produce propane, propylene, 
certain aromatics, specialty solvents and benzene for use as petrochemical feedstocks, and asphalt along with other by-products such as sulfur 
and carbon black oil. The Big Spring refinery produces both low-sulfur gasoline and ultra-low sulfur diesel fuel, both on-road and off-road, pursuant 
to current EPA clean fuels standards, and certain boutique fuels supplied to the El Paso, Texas, and Phoenix, Arizona, markets. 

The chart below sets forth information concerning the Big Spring refinery's production slate for the year ended December 31, 2019, 2018 and the 
six months ended December 31, 2017 (the period since the Delek/Alon Merger):

Our Big Spring refinery sells products in both the wholesale rack and bulk markets. We sell motor fuels under both the Alon brand and on an 
unbranded basis through various terminals to supply numerous locations, including the convenience stores in Delek's retail segment. We sell 
transportation fuel production in excess of our branded and unbranded marketing needs through bulk sales and exchange channels entered into 
with various oil companies and trading companies which are transported through a product pipeline network or truck deliveries, depending on 
location, and through terminals located in Texas (Abilene, Wichita Falls, El Paso), Arizona (Tucson, Phoenix), and New Mexico (Albuquerque, 
Moriarty).

19 |

Business and Properties

For our Big Spring refinery, we compare our per barrel refined product margin to the Gulf Coast 3-2-1 crack spread, which is the approximate 
refined product margin resulting from processing one barrel of crude oil into two-thirds barrel of gasoline and one-third barrel of ultra low sulfur 
diesel. Our Big Spring refinery is capable of processing substantial volumes of both sour crude oil or sweet crude oil, which we optimize based on 
price differentials. We measure the cost advantage of refining sour crude oil by calculating the difference between the price of WTI Cushing crude 
oil and the price of WTS, a medium, sour crude oil, taking into account differences in production yield. We refer to this differential as the WTI 
Cushing/WTS, or sweet/sour, spread. A widening of the sweet/sour spread can favorably influence the operating margin for our Big Spring refinery. 
The WTI Cushing less WTI Midland spread represents the differential between the average per barrel price of WTI Cushing crude oil and the 
average per barrel price of WTI Midland crude oil. 

Krotz Springs Refinery

Our Krotz Springs refinery has a nameplate crude throughput capacity of 74,000 bpd, and is located on 381 acres of land that we own on the 
Atchafalaya River in central Louisiana. The main plant and associated tank farms adjacent to the refinery sit on approximately 250 acres. This 
location provides access to crude from barge, pipeline, railcar and truck. This combination of logistics assets provides us with diversified access 
to locally-sourced, domestic and foreign crude.

The Krotz Springs refinery is designed mainly to process light sweet crude oil. We are capable of receiving WTI Midland, Louisiana Light Sweet 
(“LLS”), Heavy Louisiana Sweet (“HLS”) and foreign crude from the EMPCo Northline System (the "Northline System") and the Crimson Pipeline. 
The Northline System delivers LLS, HLS and foreign crude oil from the St. James, Louisiana, crude oil terminalling complex. The Crimson Pipeline 
connects the Krotz Spring refinery to the Baton Rouge, Louisiana area. Additionally, the Krotz Springs refinery has the ability to receive crude oil 
sourced from West Texas. WTI crude oil is transported through the Energy Transfer Amdel pipeline to the Nederland terminal located near the Gulf 
Coast and from there is transported to the Krotz Springs refinery by barge via the Intracoastal Canal and the Atchafalaya River. The Energy Transfer 
Amdel pipeline agreement will terminate at the end of February 2020. The Krotz Springs refinery also receives approximately 20% of its crude by 
barge and truck from inland Louisiana and Mississippi and other locations. 

The charts below set forth information concerning crude oil received at the Krotz Springs refinery for the years ended December 31, 2019, 2018
and the six months ended December 31, 2017 (the period since the Delek/Alon Merger):

20 |

Business and Properties

Major processes at the Krotz Springs refinery include crude distillation, vacuum distillation, naphtha hydrotreating, naphtha isomerization and 
reforming, and gas oil/residual catalytic cracking to minimize low quality black oil production and to produce higher light product yields. The Krotz 
Springs refinery has a Complexity Index of 8.8. Additionally, in April 2019, the Krotz Springs refinery completed construction of an alkylation unit 
with anticipated 6,000-bpd capacity that is designed to combine isobutane and butylene into alkylate and enable multiple grades of gasoline to be 
produced, including premium octane gasoline. 

The chart below sets forth information concerning the throughput at the Krotz Springs refinery for the years ended December 31, 2019, 2018 and 
the six months ended December 31, 2017 (the period since the Delek/Alon Merger):

The Krotz Springs refinery produces CBOB 84 grade gasoline as well as high sulfur diesel, light cycle oil, jet fuel, petrochemical feedstocks, LPG 
and slurry oil. The Krotz Springs refinery produces low-sulfur gasoline, pursuant to the current EPA clean fuels standards.

The chart below sets forth information concerning the Krotz Springs refinery's production slate for the years ended December 31, 2019, 2018 and 
the six months ended December 31, 2017 (the period since the Delek/Alon Merger):

The Krotz Springs refinery markets transportation fuel substantially through bulk sales and exchange channels. These bulk sales and exchange 
arrangements are entered into with various oil companies and trading companies and are transported to markets on the Mississippi River and the 
Atchafalaya River as well as to the Colonial Pipeline.

For our Krotz Springs refinery, we compare our per barrel refined product margin to the Gulf Coast 2-1-1 high sulfur diesel crack spread, which is 
the approximate refined product margin calculated assuming that one barrel of LLS crude oil is converted into one-half barrel of Gulf Coast 
conventional gasoline and one-half barrel of Gulf Coast high sulfur diesel. The Krotz Springs refinery has the capability to process substantial 
volumes of sweet crude oil to produce a high percentage of refined light products. 

21 |

Business and Properties

Logistics Segment

Overview

Our logistics segment consists of Delek Logistics, a publicly-traded master limited partnership, and its subsidiaries. Our consolidated financial 
statements include its consolidated financial results.  As of December 31, 2019, we owned a 61.4% limited partner interest in Delek Logistics, and 
a 94.6% interest in Delek Logistics GP, which owns both the entire 2.0% general partner interest in Delek Logistics and all of the incentive distribution 
rights. Delek Logistics is a variable interest entity as defined under United States generally accepted accounting principles ("GAAP"). Intercompany 
transactions with Delek Logistics and its subsidiaries are eliminated in our consolidated financial statements.

Our logistics segment generates revenue and contribution margin, which we define as net sales less cost of materials and other and operating 
expenses, by charging fees for gathering, transporting, offloading and storing crude oil; for storing intermediate products and feedstocks; for 
distributing, transporting and storing refined products; and for wholesale marketing.  A substantial majority of the logistics segment's existing assets 
are both integral to and dependent on the successful operation of our refining segment's assets, as the logistics segment gathers, transports and 
stores crude oil, and markets, distributes, transports and stores refined products in select regions of the southeastern United States and east Texas 
primarily in support of the Tyler and El Dorado refineries, and in Central and West Texas and New Mexico, primarily in support of the Big Spring 
refinery. In addition to intercompany services, the logistics segment also provides crude oil, intermediate and refined products transportation 
services for, and terminalling and marketing services to, third parties primarily in Texas, New Mexico, Tennessee and Arkansas. 

The following provides an overview of our logistics segment assets and operations:

22 |

The logistics segment network includes the following locations/properties:

Terminal Locations

Pipelines (owned or leased)

Storage Tanks Locations

Business and Properties

Tennessee

Nashville

Memphis

Texas

Tyler

Big Sandy

San Angelo

Abilene

Mount Pleasant

Arkansas

North Little Rock

El Dorado

Oklahoma

Duncan

Louisiana and Arkansas

SALA Gathering System

El Dorado Pipeline System

Magnolia Pipeline System

Tennessee

Memphis Pipeline

Texas

Paline Pipeline System

McMurrey Pipeline System

Nettleton Pipeline

Tyler-Big Sandy Product Pipeline

Greenville-Mount Pleasant Pipeline

Tennessee

Nashville

Memphis

Arkansas

North Little Rock

El Dorado

Texas

Tyler

Greenville

Big Sandy

Big Spring

San Angelo

Big Spring Pipeline (and adjacent pipelines)

Abilene

Talco Pipeline

Mount Pleasant

All of the above properties/assets are located on real property owned by Delek and its subsidiaries. Additionally, all of the pipeline systems set 
forth above run across fee owned land, leased land, easements and rights-of-way.  The logistics segment also owns a fleet of trucks and trailers 
used to transport crude oil, asphalt and other hydrocarbon products.  

Logistics Segment - Wholesale Marketing and Terminalling

The logistics segment's wholesale marketing and terminalling business provides wholesale marketing and terminalling services to the refining 
segment and to independent third parties from whom it receives fees for marketing, transporting, storing and terminalling refined products and to 
whom it wholesale markets refined products.  It generates revenue by (i) providing marketing services for the refined products output of the Tyler 
and Big Spring refineries, (ii) engaging in wholesale activity at owned terminals in Abilene and San Angelo, Texas, as well as at terminals owned 
by third parties in Texas, whereby it purchases light products for sale and exchange to third parties, and (iii) providing terminalling services to 
independent third parties and the refining segment.  Three terminals, located in El Dorado, Arkansas, Memphis, Tennessee and North Little Rock, 
Arkansas, throughput refined product produced at the El Dorado refinery.  Three terminals, located in Tyler, Big Sandy and Mount Pleasant Texas, 
throughput refined product produced at the Tyler refinery.  

Logistics Segment - Pipelines and Transportation 

The logistics segment's pipelines and transportation business owns or leases capacity on approximately 400 miles of operable crude oil transportation 
pipelines, approximately 450 miles of refined product pipelines, an approximately 700-mile crude oil gathering system and associated crude oil 
storage tanks with an aggregate of approximately 9.9 million barrels of active shell capacity.  These assets are primarily divided into the following 
operating systems: 

• 

• 

• 

• 

• 

• 

the El Dorado Pipeline System, which transports crude oil to, and 
refined products from the El Dorado Pipeline System;

the SALA Gathering System, which gathers and transports crude 
oil  production  in  southern  Arkansas  and  northern  Louisiana, 
primarily for the El Dorado refinery; 

the  Paline  Pipeline  System,  which  primarily  transports  crude  oil 
from Longview, Texas to third-party facilities in Nederland, Texas; 

the East Texas Crude Logistics System, which currently transports 
a portion of the crude oil delivered to the Tyler refinery (the "East 
Texas Crude Logistics System");

the Tyler-Big Sandy Product Pipeline, which is a pipeline between 
the Tyler refinery and the Big Sandy Terminal;

the Tyler Tanks;

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

the El Dorado Tanks; 

the  Greenville-Mount  Pleasant  Pipeline  and  Greenville  Storage 
Facility;

the North Little Rock Tanks;

the El Dorado Rail Offloading Racks;

the Tyler Crude Tank;

the Talco Crude Pipeline; 

the Memphis Pipeline;

the Big Spring Pipeline;

Big Spring Truck Unloading Station; and 

Big Spring Tanks

In addition to these operating systems, the logistics segment owns or leases approximately 123 tractors and 174 trailers used to haul primarily 
crude oil and other products for related and third parties. 

23 |

Joint Ventures

The logistics segment owns a portion of three joint ventures (accounted for as equity method investments) that have logistics assets, which serve 
third parties and the refining segment.  These assets include the following: 

Business and Properties

JV Name

Ownership Interest

Description

Andeavor Logistics

CP LLC

Red River

33%

50%

33%

Joint venture operates a 109-mile crude oil pipeline with a capacity of 120,000 
bpd, that originates in north Loving County, Texas near the Texas-New Mexico 
border and terminates in Midland, Texas ("RIO Pipeline")

Joint venture operates an 80-mile crude oil pipeline with a capacity of 80,000 
bpd that originates in Longview, Texas, with destinations in the Shreveport, 
Louisiana area ("Caddo Pipeline")

Joint  venture  operates  a  16-inch  crude  oil  pipeline  between  Cushing, 
Oklahoma and Longview, Texas with current capacity of 150,000 bpd and 
planned expansion to 235,000 bpd in 2020 ("Red River Pipeline")

Logistics Segment Supply Agreement

During the year ended December 31, 2017, Delek Logistics purchased petroleum products from Noble Petro, Inc. ("Noble Petro") pursuant to the 
terms of a supply contract with Noble Petro.  Delek Logistics then marketed these petroleum products to third parties.  As of January 1, 2018, these 
regular sales of product by Noble Petro concluded, as the supply contract expired in December 2017.  Following expiration of the contract with 
Noble Petro, Delek Logistics purchased products from Delek and third parties at our Abilene and San Angelo terminals.  To facilitate these purchases, 
Delek Logistics constructed a pipeline into our Abilene Terminal to receive product from the pipeline owned by Holly Energy Partners, L.P. (NYSE: 
HEP) through which Delek shipped product that was produced at the Big Spring Refinery.  Delek Logistics is currently constructing a connection 
to a Magellan Midstream Partners, L.P. ("Magellan") pipeline that will allow Magellan to supply our Abilene and San Angelo terminals with product 
transported from the Gulf Coast.  Delek Logistics also has active connections to the Magellan Orion Pipeline that enable us to ship product to our 
terminals and to acquire product from other shippers. Products purchased from Delek are generally based on daily market prices at the time of 
purchase limiting exposure to fluctuating prices.  Products purchased from third parties are generally based on market prices at the time of purchase 
requiring price hedging risk management activities between the time of purchase and sale. Existing price risk hedging programs have been adjusted 
to correspond to the volume of product purchased from third parties.  

Logistics Segment Operating Agreements With Delek

Delek Logistics has a number of long-term, fee-based commercial agreements with Delek and its subsidiaries that, among other things, establish 
fees for certain administrative and operational services provided by Delek and its subsidiaries to Delek Logistics, provide certain indemnification 
obligations  and  establish  terms  for  fee-based  commercial  agreements  for  Delek  Logistics  to  provide  certain  pipeline  transportation,  terminal 
throughput, finished product marketing and storage services to Delek. Most of these agreements have an initial term ranging from five to ten years, 
which may be extended for various renewal terms at the option of Delek. The current terms for agreements effective in November 2012 extend 
through March 2024. In the case of the marketing agreement with Delek, the initial term has been extended through 2026. Each of these agreements 
requires Delek or a Delek subsidiary to pay for certain minimum volume commitments or certain minimum storage capacities.  Delek Logistics also 
entered into an agreement to manage the construction of the 250-mile gathering system in the Permian Basin connecting to our Big Spring, Texas 
terminal and to operate the gathering system as it is completed. That agreement extends through December 2022.

Logistics Segment Customers

In addition to certain of our subsidiaries, our logistics segment has various types of customers, including major oil companies, independent refiners 
and marketers, jobbers, distributors, utility and transportation companies and independent retail fuel operators. 

Logistics Segment Seasonality

The volume and throughput of crude oil and refined products transported through our pipelines and sold through our terminals and to third parties 
is directly affected by the level of supply and demand for all of such products in the markets served directly or indirectly by our assets. Supply and 
demand for such products fluctuates during the calendar year. Demand for gasoline, for example, is generally higher during the summer months 
than during the winter months due to seasonal increases in motor vehicle traffic. Varying vapor pressure requirements between the summer and 
winter months also tighten summer gasoline supply.  In addition, our refining segment often performs planned maintenance during the winter, when 
demand for their products is lower.  Accordingly, these factors can diminish the demand for crude oil or finished products by our customers, and 
therefore limit our volumes or throughput during these periods, and we expect that our operating results will generally be lower during the first and 
fourth quarters of the calendar year. 

24 |

Business and Properties

Logistics Segment Competition

Our logistics segment faces competition for the transportation of crude oil from other pipeline owners whose pipelines (i) may have a location 
advantage over our pipelines, (ii) may be able to transport more desirable crude oil to third parties, (iii) may be able to transport crude oil or finished 
product at a lower tariff, or (iv) may be able to store more crude oil or finished product.  In addition, the wholesale marketing and terminalling 
business in general is also very competitive.  Our owned refined product terminals, as well as the other third-party terminals we use to sell refined 
products, compete with other independent terminal operators as well as integrated oil companies on the basis of terminal location, price, versatility 
and services provided.  The costs associated with transporting products from a loading terminal to end users limit the geographic size of the market 
that can be competitively served by any terminal. 

Logistics Segment Activity

The following table summarizes our activity in the wholesale marketing and terminalling portion of our logistics segment:

Wholesale Marketing and Terminalling

Operating Information: Throughputs (average bpd)

West Texas marketing

Terminalling(1) 

East Texas marketing
Big Spring marketing(2)

Year Ended December 31,

2019

2018

2017

11,075

160,075

74,206

82,695

13,323

161,284

77,487

81,117

13,817

124,488

73,655

—

(1)  

(2) 

Consists of terminalling throughputs at our Tyler, Big Sandy and Mount Pleasant, Texas, El Dorado and North Little Rock, Arkansas and Memphis and Nashville, Tennessee 
terminals. 

Throughputs for the year ended December 31, 2018 are for the 306 days we marketed certain finished products produced at or sold from the Big Spring Refinery following the 
execution of the Big Spring Marketing Agreement, effective March 1, 2018.

The following table summarizes our most significant activity in the pipelines and transportation portion of our logistics segment:

Pipelines and Transportation

Operating Information: Throughputs (average bpd)

 Lion Pipeline System:

          Crude pipelines (non-gathered)

          Refined products pipelines to Enterprise Pipelines Systems

SALA Gathering System

East Texas Crude Logistics System

Year Ended December 31,

2019

2018

2017

42,918

37,716

21,869

19,927

51,992

45,728

16,571

15,696

59,362

51,927

15,871

15,780

25 |

Business and Properties

Retail Segment

Overview

As a result of the Delek/Alon Merger on July 1, 2017 (and subsequent retail activities), Delek's retail segment includes the operations of owned 
and leased convenience store sites as described below:

Retail Segment Properties/Locations
Number of Merchandise and Fuel Stores (owned and 
leased) (1)
Number of Leased Locations (1)

Minimum Lease Payments Due 2020 (in millions) (1)

Fuel Offerings

Merchandise Offerings

Convenience Store Branding (2)

252

118

$6.9

Various grades of gasoline and diesel under the DK or Alon brand names

Food  service,  tobacco  products,  non-alcoholic  and  alcoholic  beverages, 
general merchandise as well as money orders to the public

Delek  (under  "DK")  and  Alon  branding  on  certain  locations  which  will 
continue to increase as we re-brand existing 7-Eleven locations

Locations

Central and West Texas and New Mexico

(1)  As of December 31, 2019.

(2)  In November 2018, we terminated a license agreement with 7-Eleven, Inc. and must remove all 7-Eleven branding on a store-by-store basis by  December 

31, 2021. See further discussion below.

We believe that we have established strong market presence in the major retail markets in which we operate. Our retail strategy employs localized 
marketing tactics that account for the unique demographic characteristics of each region that we serve.  We introduce customized product offerings 
and promotional strategies to address the unique tastes and preferences of our customers on a market-by-market basis. Furthermore, we are 
actively implementing strategic initiatives to optimize our performance across our retail stores and reduce our reliance on external brand recognition, 
while developing and optimizing the use of our own brands and evaluating retail opportunities in current and emerging geographic and strategic 
markets. As a result of these efforts, in November 2018, we terminated a license agreement with 7-Eleven, Inc. and the terms of such termination 
require the removal of all 7-Eleven branding on a store-by-store basis by December 31, 2021. Merchandise sales at our convenience store sites 
will continue to be sold under the 7-Eleven brand name until 7-Eleven branding is removed pursuant to the termination. As of December 31, 2019, 
we had removed the 7-Eleven brand name at 57 of our store locations. Additionally, we closed 15 under-performing or non-strategic store locations 
during 2018 and 30 stores during 2019. 

Fuel Operations

For the year ended December 31, 2019 fuel revenues were 62.6% of total net sales for our retail segment. 

The following table highlights certain information regarding our fuel operations for the years ended December 31, 2019, 2018 and the six months 
ended December 31, 2017 (the period since the Delek/Alon Merger):

Fuel Operations

Number of fuel stores (end of period)

Average number of fuel stores (during period)

Total fuel revenue (in thousands)

Retail fuel revenues (thousands of gallons)

Average retail gallons per store (based on average number of stores) (thousands of

gallons)

Retail fuel margin ($ per gallon)

Year Ended
December 31, 2019

Year ended
December 31, 2018

Period from July 1,
2017 through
December 31, 2017

247

259

271

271

524,866

$

214,094

571,596

$

217,118

827

0.28

$

801

0.24

$

293

293

251,781

107,599

367

0.19

$

$

Substantially all of the motor fuel sold through our retail segment is supplied by our Big Spring refinery, which is transferred to the retail segment 
at prices substantially determined by reference to recent published commodity pricing information.  

26 |

Merchandise Operations

For the year ended December 31, 2019, our merchandise revenues were 37.4% of total net sales for our retail segment. 

The following table highlights certain information regarding our merchandise operations for the years ended December 31, 2019, 2018 and the six 
months ended December 31, 2017 (the period since the Delek/Alon Merger):

Business and Properties

Merchandise Operations

Number of merchandise stores (end of period)

Average number of merchandise stores (during period)

Merchandise margin percentage

Total merchandise revenues (in thousands)

Average merchandise sales per store (in thousands)

Retail Segment Seasonality 

Year Ended
December 31, 2019

Year ended
December 31, 2018

Period from July 1,
2017 through
December 31, 2017

252

266

30.8%

279

295

30.9%

$

$

313,100

1,177

$

$

339,000

1,149

$

$

302

302

30.7%

174,600

578

Demand for gasoline and convenience merchandise is generally higher during the summer months than during the winter months due to seasonal 
increases in motor vehicle traffic.  As a result, the operating results of our retail segment are generally lower for the first quarter of the calendar 
year. Weather conditions in our operating area also have a significant effect on our operating results.  Customers are more likely to purchase higher 
profit margin items at our retail fuel and convenience stores, such as fast foods, fountain drinks and other beverages, as well as additional gasoline, 
during the spring and summer months. 

Retail Segment Competition 

The retail fuel and convenience store business is highly competitive. We compete on a store-by-store basis with other independent convenience 
store chains, independent owner-operators, major petroleum companies, supermarkets, drug stores, discount stores, club stores, mass merchants, 
fast food operations and other retail outlets. Major competitive factors affecting us include location, ease of access, pricing, timely deliveries, product 
and service selections, customer service, fuel brands, store appearance, cleanliness and safety.  We believe we are able to compete effectively 
in the markets in which we operate because our geographic concentration allows us to improve buying power with our vendors.  Our retail segment 
strategy centers on operating a high concentration of sites in a similar geographic region to promote operational efficiencies.   Finally, we believe 
that leveraging the integration between our retail and refining segments provides advantageous fuel supply to our retail stores. Our major retail 
competitors include Chevron, Murphy USA, Sunoco LP (Stripes® brand), Alimentation Couche-Tard Inc. (Circle K® brand and CST brand), Marathon 
Petroleum and various other independent operators. 

27 |

Information Technology 

In 2019, we continued our efforts to improve several areas of information technology ("IT"), including infrastructure, security and enterprise software 
systems. Much of the effort was dictated by merger and acquisition activity. We also worked to improve our business continuity to reduce both 
Recovery Time Objectives and Recovery Point Objectives. In addition, significant steps were made to consolidate and move toward a consistent, 
scalable IT reference architecture. We have continued to enhance our cybersecurity posture within both of our IT and Operating Technology and 
Control Network environments. These efforts, coupled with actions to reduce the number and complexity of systems, are expected to enable growth, 
maximize our IT investment, and improve our overall security posture. Also in 2019, we began development of an Enterprise Information Management 
and Master Data Governance vision, intended to increase the efficiency, security, and effectiveness of our data use as a company. Additionally, 
we continued to leverage our retail experience to improve data assurance and compliance with Payment Card Industry requirements, while adding 
new functionality to support enhanced store performance reporting and use of advanced retail technologies. Finally, we continued to consistently 
evaluate and improve the confidentiality, integrity, and availability of our information and technology assets.

Governmental Regulation and Environmental Matters 

Rate Regulation of Petroleum Pipelines 

The rates and terms and conditions of service on certain of our pipelines are subject to regulation by the Federal Energy Regulatory Commission 
("FERC"), under the Interstate Commerce Act (the “ICA”), and by the state regulatory commissions in the states in which we transport crude oil, 
intermediate and refined products.  Certain of our pipeline systems are subject to such regulation and have filed tariffs with the appropriate authorities.  
We also comply with the reporting requirements for these pipelines. Some of our other pipeline systems have received a waiver from application 
of the FERC's tariff requirements, but comply with other applicable regulatory requirements 

The FERC regulates interstate transportation under the ICA, the Energy Policy Act of 1992 and the rules and regulations promulgated under those 
laws.  The ICA, and its implementing regulations, require that tariff rates for interstate service on oil pipelines, including pipelines that transport 
crude oil, intermediate and refined products in interstate commerce (collectively referred to as “petroleum pipelines”), be just and reasonable and 
non-discriminatory, and that such rates and terms and conditions of service be filed with the FERC.  Under the ICA, shippers may challenge new 
or existing rates or services.  The FERC is authorized to suspend the effectiveness of a challenged rate for up to seven months, though rates are 
typically not suspended for the maximum allowable period.  Our tariff rates are typically contractually subject to increase or decrease on July 1 of 
each year, by the amount of any change in various inflation-based indices, including the FERC oil pipeline index, the consumer price index and 
the producer price index; provided, however, that in no event will the fees be adjusted below the amount initially set forth in the applicable agreement.   

Environmental Health and Safety 

We are subject to extensive federal, state and local environmental and safety laws and regulations enforced by various agencies, including the 
EPA, the United States Department of Transportation (the "DOT"), and the Occupational Safety and Health Administration ("OSHA"), as well as 
numerous state, regional and local environmental, safety and pipeline agencies.  

These laws and regulations govern the discharge of materials into the environment, waste management practices, pollution prevention measures 
and the composition of the fuels we produce, as well as the safe operation of our plants, pipelines and trucks, and the safety of our workers and 
the public.  Numerous permits or other authorizations are required under these laws and regulations for the operation of our refineries, renewable 
fuel facilities, terminals, pipelines, underground storage tanks ("USTs"), trucks, rail cars and related operations, and may be subject to revocation, 
modification and renewal.

These laws and permits raise potential exposure to future claims and lawsuits involving environmental and safety matters, which could include soil 
and water contamination, air pollution, personal injury and property damage allegedly caused by substances which we manufactured, handled, 
used, released or disposed of, transported, or that relate to pre-existing conditions for which we have assumed responsibility.  We believe that our 
current operations are in substantial compliance with existing environmental and safety requirements.  However, there have been and will continue 
to be ongoing discussions about environmental and safety matters between us and federal and state authorities, including notices of violations, 
citations and other enforcement actions, some of which have resulted, or may result in, changes to operating procedures and in capital expenditures.  
While it is often difficult to quantify future environmental or safety related expenditures, we anticipate that continuing capital investments and 
changes in operating procedures will be required for the foreseeable future to comply with existing and new requirements, as well as evolving 
interpretations and more strict enforcement of existing laws and regulations. We anticipate that compliance with environmental, health and safety 
regulations will require us to spend approximately $64.5 million and $52.4 million in capital costs in 2020 and 2021, respectively. These estimates 
do not include amounts related to capital investments that management has deemed to be strategic investments. These amounts could materially 
change as a result of governmental and regulatory actions. 

We generate wastes that may be subject to the Resource Conservation and Recovery Act ("RCRA") and comparable state and local requirements. 
The EPA and various state agencies have limited the approved methods of managing, transporting, recycling and disposal of hazardous and certain 
non-hazardous wastes.  Our refineries are large quantity generators of hazardous waste and require hazardous waste permits issued by the EPA 
or state agencies.  Our other facilities, such as terminals and renewable fuel plants, generate lesser quantities of hazardous wastes.  

28 |

Business and Properties

The Comprehensive Environmental Response, Compensation and Liability Act, also known as Superfund, imposes liability, without regard to fault 
or the legality of the original conduct, on certain classes of persons who are considered to be responsible for the release of a hazardous substance 
into the environment.  Analogous state laws impose similar responsibilities and liabilities on responsible parties. In the course of our ordinary 
operations, our various businesses generate waste, some of which falls within the statutory definition of a hazardous substance and some of which 
may have been disposed of at sites that may require future cleanup under Superfund.  At this time, our El Dorado refinery has been named as a 
minor potentially responsible party at one Superfund site, for which we believe future costs will not be material.

As of December 31, 2019, we have recorded an environmental liability of approximately $146.1 million, primarily related to the estimated probable 
costs of remediating, or otherwise addressing, certain environmental issues of a non-capital nature at the Tyler, El Dorado, Big Spring, Krotz Springs 
and California refineries as well as terminals, some of which we no longer own.  This liability includes estimated costs for ongoing investigation 
and remediation efforts, which were already being performed by the former operators of the refineries and terminals prior to our acquisition of those 
facilities, for known contamination of soil and groundwater, as well as estimated costs for additional issues which have been identified subsequent 
to the acquisitions. 

Approximately $8.2 million of the total liability is expected to be expended over the next 12 months, with most of the balance expended by 2032, 
although some costs may extend up to 30 years.  In the future, we could be required to extend the expected remediation period or undertake 
additional investigations of our refineries, pipelines and terminal facilities, which could result in additional remediation liabilities.

Our operations are subject to certain requirements of the Federal Clean Air Act (“CAA”), as well as related state and local laws and regulations 
governing air emission.   Certain CAA regulatory programs applicable to our refineries, terminals and other operations require capital expenditures 
for the installation of air pollution control devices, operational procedures to minimize emissions and monitoring and reporting of emissions. A 
consent decree was entered in the United States District Court for the Northern District of Texas in June 2019 resolving alleged historical violations 
of the CAA at our Big Spring refinery. In addition to a civil penalty of $0.5 million that we paid in June 2019, the Company will be required to expend 
capital for pollution control equipment that may be significant over the next 10 years. 

In 2015, EPA finalized reductions in the National Ambient Air Quality Standard ("NAAQS") for ozone, from 75 ppb to 70 ppb. Our Tyler refinery is 
located in an area that had the potential to be reclassified as non-attainment with the new standard.  However, this area has not been classified 
as non-attainment with the new standard, so we do not anticipate an impact at our Tyler refinery.  If air quality near our facilities worsens in the 
future, it is possible that these area(s) could be reclassified as non-attainment for the new ozone standard which could require Delek to install 
additional air pollution control equipment for ozone forming emissions in the future.  Additionally, the new standard could change the formulation 
of gasoline we make for use in some areas.  We do not believe such capital expenditures, or the changes in our operation, will result in a material 
adverse effect on our business, financial condition or results of operations.

On December 1, 2015, the EPA published final rules under the Risk and Technology Review provisions of the Clean Air Act to further regulate 
refinery air emissions through additional New Source Performance Standard ("NSPS") and Maximum Achievable Control Technology requirements 
(the “Refinery Sector Rules”).  Subsequent amendments and clarifications to the rule have been published by the EPA. Refineries have up to three 
years from the effective date of the final rule to come into compliance with certain requirements of the rule, while other aspects of the rule require 
compliance to be achieved at an earlier date. Additionally, the new rules will require changes to the way we operate, shut-down, start-up and 
maintain some process units. These rules also require that we monitor property line benzene concentrations beginning in January 2018 and provide 
the results to the EPA quarterly, which will make the results available to the public beginning in 2019.  Even though the concentrations are not 
expected to exceed regulatory or health-based standards, the availability of such data may increase the likelihood of lawsuits against our refineries 
by the local public or organized public interest groups.  We have obtained 1-year compliance extensions to certain provisions of the rule. These 
rules require capital expenditures for additional controls at our refineries’ relief systems, flares, tanks, other sources at our refineries, and a coker 
located at the Tyler refinery.  Most of the capital cost needed to comply with these new rules has already been spent. We do not anticipate that 
any additional capital costs or future operating costs will be material, and do not believe compliance will affect our production capacities or have 
a material adverse effect upon our business, financial condition or results of operations. We expect to meet all deadlines (as extended) for compliance.

On December 19, 2019, the EPA finalized the renewable fuel obligation for 2020 at 11.56%. The required ethanol volumes exceed the 10% ethanol 
“blendwall”, requiring increased usage of higher ethanol blends such as E15 and E85. We are unable to blend sufficient quantities of ethanol and 
biodiesel to meet our renewable fuel obligations and have to purchase RINs, primarily for our El Dorado and Krotz Springs refineries. In early 2017, 
the EPA granted hardship waiver petitions for the El Dorado and Krotz Springs refineries exempting them from the requirements of the renewable 
fuel standard ("RIN Waivers") for the 2016 calendar year. In March 2018, the El Dorado and Krotz Springs refineries both received approval from 
the EPA for RIN Waivers for the 2017 calendar year. During the first quarter 2019, the Tyler and Big Spring refineries received RIN Waivers for the 
2017 calendar year, which had an immaterial impact on our results of operations. During the third quarter of 2019, the Tyler, El Dorado and Krotz 
Springs refineries received approval from the EPA for RIN Waivers for the 2018 calendar year. 

The EPA issued final rules for gasoline formulation that required the reduction of annual average benzene content by July 1, 2012.  In the past, it 
has been necessary for us to purchase credits to fully comply with these content requirements for the Tyler refinery.  However, with the addition 
of the Big Spring and Krotz Springs refineries, we believe we will self-generate most, if not all, credits that are required. 

The EPA finalized Tier 3 gasoline sulfur standards in March 2014. The final Tier 3 rule required a reduction in annual average gasoline sulfur content 
from 30 ppm to 10 ppm while retaining the maximum per-gallon sulfur content of 80 ppm. Refineries were required to comply with the 10 ppm 

29 |

Business and Properties

sulfur standard by January 1, 2017, but the final rule provided a three-year waiver period, to January 1, 2020, for small volume refineries that 
processed less than 75,000 barrels per day of crude oil in 2012. In April 2016, EPA issued a revised rule requiring small volume refineries that 
increase their annual average crude oil processing above the 75,000 barrel per day level to comply with the Tier 3 requirements within 30 months 
from the time that processing level was exceeded. We have not exceeded the 75,000 barrel per day crude oil processing level at any of our refineries 
during this period, and all of our refineries met the criteria for the waiver for its full duration. We have spent $12.0 million through the end of 2019 
in order to comply with the Tier 3 regulations by January 1, 2020. Compliance is not expected to have a material adverse effect on our business, 
financial condition, or results of operations.

Our operations are also subject to the Federal Clean Water Act (“CWA”), the Oil Pollution Act of 1990 (“OPA-90”) and comparable state and local 
requirements. The CWA, and similar laws, prohibit any discharge into surface waters, ground waters, injection wells and publicly-owned treatment 
works, except as allowed by pre-treatment permits and National Pollutant Discharge Elimination System (“NPDES”) permits issued by federal, 
state and local governmental agencies. The OPA-90 prohibits the discharge of oil into "Waters of the U.S." and requires that affected facilities have 
plans in place to respond to spills and other discharges.  The CWA also regulates filling or discharges to wetlands and other "Waters of the U.S."  
In 2015, the EPA, in conjunction with the Army Corps of Engineers, issued a final rule expanding the definition of “Waters of the U.S.” The rule, 
which was subject to litigation, and judicial stays, was repealed in December 2019 and the EPA and the Army Corps of Engineers have published 
a proposed rule containing an alternative definition of “Waters of the U.S.” that is intended to increase predictability and consistency and generally 
adopts a narrower definition than the 2015 rule. However, legal challenges continue and the ultimate resolution is uncertain at this time. To the 
extent a final rule expands the scope of the CWA’s jurisdiction, we could face increased operating costs or other impediments that could alter the 
way we conduct our business, which could in turn have a material adverse effect on our business, financial condition and results of operations. 

In recent years, various legislative and regulatory measures to address climate change and greenhouse gas ("GHG") emissions (including carbon 
dioxide, methane and nitrous oxides) have been discussed or implemented.  They include proposed and enacted federal regulation and state 
actions to develop statewide, regional or nationwide programs designed to control and reduce GHG emissions from fixed sources, such as our 
refineries, power plants and oil and gas production operations, as well as mobile transportation sources and fuels.  EPA rules require us to report 
GHG emissions from our refinery operations and use of fuel products produced at our refineries on an annual basis.  While the cost of compliance 
with the reporting rule is not material, data gathered under the rule may be used in the future to support additional regulation of GHG. Moreover, 
the EPA directly regulates GHG emissions from refineries and other major sources through the Prevention of Significant Deterioration (“PSD”) and 
Federal Operating Permit programs and may require Best Available Control Technology (“BACT”) for GHG emissions above a certain threshold if 
emissions of other pollutants would otherwise require PSD permitting. 

The  Pipeline  and  Hazardous  Materials  Safety Administration  ("PHMSA")  of  the  DOT  regulates  the  design,  construction,  testing,  operation, 
maintenance, reporting and emergency response of crude oil, petroleum product and other hazardous liquids pipelines and other facilities, including 
certain tank facilities used in the transportation of such liquids. These requirements are complex, subject to change and, in certain cases, can be 
costly to comply with. We believe our operations are in substantial compliance with these regulations, but we cannot be certain that substantial 
expenditures will not be required to remain in compliance.  Moreover, certain of these rules are difficult to insure adequately, and we cannot assure 
that we will have adequate insurance to address costs and damages from any noncompliance.

The United States Pipeline Safety, Regulatory Certainty and Job Creation Act of 2011 (“Pipeline Safety Act”), finalized in January 2012, increased 
the maximum civil penalties for certain violations from $100,000 to $200,000 per violation per day and from a total cap of $1 million to $2 million.  
A number of the provisions of the Pipeline Safety Act have the potential to cause owners and operators of pipeline facilities to incur significant 
capital expenditures and/or operating costs. In January 2017, PHMSA finalized a new regulation that imposes additional responsibilities concerning 
the operation, maintenance, and inspection of hazardous liquid pipelines; the reporting of pipeline incidents; reference standards for in-line pipeline 
inspection and the direct assessment of stress corrosion cracking; and other requirements.  Additional potential new regulations of pipelines have 
been proposed by PHMSA and we are monitoring these developments to the extent applicable to our operations. The DOT has issued guidelines 
with respect to securing regulated facilities such as our bulk terminals against terrorist attack. We have instituted security measures and procedures 
in accordance with such guidelines to enhance the protection of certain of our facilities.  We cannot provide any assurance that these security 
measures would fully protect our facilities from an attack.

The Federal Motor Carrier Safety Administration of the DOT regulates safety standards and monitors drivers and equipment of commercial motor 
carrier fleets.  Such standards include vehicle and maintenance inspection requirements, limitations on the number of hours drivers may operate 
vehicles and financial responsibility requirements.  We believe that the operations of our fleet of crude oil and finished products truck transports 
are substantially in compliance with these regulations and safety requirements.

We have experienced several crude oil releases from pipelines owned by our logistics segment, including, but not limited to, a release at Magnolia 
Station in March 2013 (the "Magnolia Release"), a release near Fouke, Arkansas in April 2015 and a release near Woodville, Texas in January 
2016. On November 8, 2019, a consent decree (the "Magnolia Consent Decree") was entered in the United States District Court for the Western 
District of Arkansas to settle a civil action filed by the DOJ and the State of Arkansas against two of Delek Logistics’ wholly-owned subsidiaries 
related to the Magnolia Release. Under the Magnolia Consent Decree, final payments were made to the State of Arkansas in the amount of $0.6 
million and to the DOJ in the amount of $1.7 million, which amounts include interest.

On October 3, 2019, a release of diesel fuel involving one of our pipelines occurred near Sulphur Springs, Texas (the "Sulphur Springs Release"). 
Cleanup operations and site maintenance and remediation on this release have been substantially completed and costs related to the release 

30 |

Business and Properties

totaled $7.1 million as of December 31, 2019.  Ground water wells for monitoring activities are expected to be installed in February 2020. We 
expect the monitoring period will last for at least a year.  As of the date of this filing, we have not received notification that any legal action with 
respect to fines and penalties will be pursued by the regulatory agencies. 

Working Capital 

We fund our business operations through cash generated from our operating activities, borrowings under our debt facilities and periodic issuances 
of equity and debt securities.  For additional information, see Item 7, Management's Discussion and Analysis of Financial Condition and Results 
of Operations, of this Annual Report on Form 10-K. 

Employees 

As of December 31, 2019, we had approximately 3,814 employees, of whom 1,299 were employed in our refining segment, 197 were employed 
by Delek for the benefit of our logistics segment, 1,707 were employed in our retail segment and 587 were employed at our corporate office. 
Approximately 3,600 of our employees are employed on a full-time basis. Approximately, 550 of our employees are covered by collective bargaining 
agreements having various expiration dates between 2021 and 2022. We consider our relations with our employees to be satisfactory. See further 
discussion in Note 22 of our consolidated financial statements included in Item 8, Financial Statements and Supplementary Data, of this Annual 
Report on Form 10-K.

Corporate Headquarters

We lease our corporate headquarters at 7102 Commerce Way, Brentwood, Tennessee.  The lease is for 54,000 square feet of office space.  The 
lease term expires in May 2022.

Liens and Encumbrances

The majority of the assets described in this Form 10-K are pledged and encumbered under certain of our debt facilities.  See Note 11 of the 
consolidated financial statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K for further 
information.

31 |

Risk Factors

ITEM 1A. RISK FACTORS 

We are subject to numerous known and unknown risks, many of which are presented below and elsewhere in this Annual Report on Form 10-K. 
You should carefully consider each of the following risks and all of the other information contained in this Annual Report on Form 10-K in evaluating 
us and our common stock.  Any of the risk factors described below, or additional risks and uncertainties not presently known to us, or that we 
currently deem immaterial, could have a material adverse effect on our business, financial condition, cash flows and results of operations.  The 
headings provided in this Item 1A are for convenience and reference purposes only and shall not limit or otherwise affect the extent or interpretation 
of the risk factors.

Risks Relating to Our Industries

A substantial or extended decline in refining margins would reduce our operating results and cash flows and could materially and 
adversely impact our future rate of growth and the carrying value of our assets. 

Our earnings, cash flow and profitability from our refining operations are substantially determined by the difference between the market price of 
refined products and the market price of crude oil, which often move independently of each other and are referred to as the crack spread, refining 
margin or refined products margin.  Refining margins historically have been volatile, and we believe they will continue to be volatile.  Although we 
monitor our refinery operating margins and seek to optimize results by adjusting throughput volumes, throughput types and product slates, there 
are inherent limitations on our ability to offset the effects of adverse market conditions.

Many of the factors influencing changes in crack spreads and refining margins are beyond our control.  These factors include: 

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changes in global and local economic conditions, e.g., as a result of the recent outbreak of the novel coronavirus;

domestic and foreign supply and demand for crude oil and refined products;

the level of foreign and domestic production of crude oil and refined petroleum products;

increased regulation of feedstock production activities, such as hydraulic fracturing;

infrastructure limitations that restrict, or events that disrupt, the distribution of crude oil, other feedstocks and refined petroleum products;

excess or overbuilt infrastructure;

an increase or decrease of infrastructure limitations (or the perception that such an increase or decrease could occur) on the distribution of 
crude oil, other feedstocks or refined products;

investor speculation in commodities;

worldwide political conditions, particularly in significant oil producing regions such as the Middle East, Africa, the former Soviet Union and 
South America;

the ability or inability of the members of the Organization of Petroleum Exporting Countries to maintain oil price and production controls;

pricing and other actions taken by competitors that impact the market;

the level of crude oil, other feedstocks and refined petroleum products imported into and exported out of the United States;

excess capacity and utilization rates of refineries worldwide;

development and marketing of alternative and competing fuels, such as ethanol and biodiesel;

changes in fuel specifications required by environmental and other laws, particularly with respect to oxygenates and sulfur content;

local factors, including market conditions, adverse weather conditions and the level of operations of other refineries and pipelines in our 
markets;

volatility in the costs of natural gas and electricity used by our refineries;

accidents, interruptions in transportation, inclement weather or other events, including cyber-attacks, that can cause unscheduled shutdowns 
or otherwise adversely affect our refineries or the supply and delivery of crude oil from third parties; and

United States government regulations.

Some of these factors can vary by region and may change quickly, adding to market volatility, while others may have longer-term effects. The long-
term effects of these and other factors on prices for crude oil, refinery feedstocks and refined products could be substantial.

The crude oil we purchase, and the refined products we sell, are commodities whose prices are mainly determined by market forces beyond our 
control.  While an increase or decrease in the price of crude oil will often result in a corresponding increase or decrease in the wholesale price of 
refined products, a change in the price of one commodity does not always result in a corresponding change in the other.  A substantial or prolonged 
increase in crude oil prices without a corresponding increase in refined product prices, or a substantial or prolonged decrease in refined product 
prices without a corresponding decrease in crude oil prices, could also have a significant negative effect on our results of operations and cash 
flows.  This is especially true for non-transportation refined products, such as asphalt, butane, coke, sulfur, propane and slurry, whose prices are 
less likely to correlate to fluctuations in the price of crude oil, all of which we produce at our refineries.

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Risk Factors

Also, the price for a significant portion of the crude oil processed at our refineries is based upon the WTI benchmark for such oil rather than the 
Brent benchmark.  While the prices for WTI and Brent historically correlate to one another, elevated supply of WTI-priced crude oil in the Mid-
Continent region has caused WTI prices to fall significantly below Brent prices at different points in time in recent years.  During the years ended 
December 31, 2018 and December 31, 2019, this daily differential ranged from highs of $11.37 and $10.99, respectively, to lows of $1.37 and 
$3.53, respectively.  Our ability to purchase and process favorably priced crude oil has allowed us to achieve higher net income and cash flow in 
recent years; however, we cannot assure that these favorable conditions will continue.  A substantial or prolonged narrowing in (or inversion to) 
the price differential between the WTI and Brent benchmarks for any reason, including, without limitation, increased crude oil distribution capacity 
from the Permian Basin, crude oil exports from the United States or actual or perceived reductions in Mid-Continent crude oil inventories, could 
negatively impact our earnings and cash flows, which could have a material adverse effect on our business, financial condition and results of 
operations.  In addition, because the premium or discount we pay for a portion of the crude oil processed at our refineries is established based 
upon this differential during the month prior to the month in which the crude oil is processed, rapid decreases in the differential may negatively 
affect our results of operations and cash flows.

Additionally, governmental and regulatory actions, including continued resolutions by the Organization of the Petroleum Exporting Countries to 
restrict crude oil production levels and executive actions by the current U.S. presidential administration to advance certain energy infrastructure 
projects may continue to impact crude oil prices and crude oil differentials. Any increase in crude oil prices or unfavorable movements in crude oil 
differentials due to such actions or changing regulatory environment may negatively impact our ability to acquire crude oil at economical prices 
and could have a material adverse effect on our business, financial condition and results of operations.

We operate in a highly regulated industry and increased costs of compliance with, or liability for violation of, existing or future laws, 
regulations and other requirements could significantly increase our costs of doing business, thereby adversely affecting our profitability. 

Our industry is subject to extensive laws, regulations, permits and other requirements including, but not limited to, those relating to the environment, 
fuel composition, safety, transportation, pipeline tariffs, employment, labor, immigration, minimum wages, overtime pay, health care benefits, working 
conditions, public accessibility, retail fuel pricing, the sale of alcohol and tobacco and other requirements.  These permits, laws and regulations 
are enforced by federal agencies including the EPA, DOT, PHMSA, Federal Motor Carrier Safety Administration ("FMCSA"), Federal Railroad 
Administration ("FRA"), OSHA, National Labor Relations Board ("NLRB"), Equal Employment Opportunity Commission ("EEOC"), Federal Trade 
Commission ("FTC") and the FERC, and numerous other state and federal agencies.  We anticipate that compliance with environmental, health 
and safety regulations could require us to spend significant amounts in capital costs during the next five years.  These estimates do not include 
amounts related to capital investments that management has deemed to be strategic investments.  These amounts could materially change as a 
result of governmental and regulatory actions.

Various permits, licenses, registrations and other authorizations are required under these laws for the operation of our refineries, biodiesel facilities, 
terminals, pipelines, retail locations and related operations, and these permits are subject to renewal and modification that may require operational 
changes involving significant costs.  If key permits cannot be renewed or are revoked, the ability to continue operation of the affected facilities 
could be threatened.

Ongoing compliance with, or violation of, laws, regulations and other requirements could also have a material adverse effect on our business, 
financial condition and results of operations.  We face potential exposure to future claims and lawsuits involving environmental matters, including, 
but not limited to, soil, groundwater and waterway contamination, air pollution, personal injury and property damage allegedly caused by substances 
we manufactured, handled, used, released or disposed.  We are, and have been, the subject of various state, federal and private proceedings 
relating to environmental regulations, conditions and inquiries.

In addition, new legal requirements, new interpretations of existing legal requirements, increased legislative activity and governmental enforcement 
and other developments could require us to make additional unforeseen expenditures.  Companies in the petroleum industry, such as us, are often 
the target of activist and regulatory activity regarding pricing, safety, environmental compliance, derivatives trading and other business practices, 
which could result in price controls, fines, increased taxes or other actions affecting the conduct of our business. The specific impact of laws and 
regulations or other actions may vary depending on a number of factors, including the age and location of operating facilities, marketing areas, 
crude oil and feedstock sources and production processes.

We generate wastes that may be subject to RCRA and comparable state and local requirements.  The EPA and various state agencies have limited 
the approved methods of managing, transporting, recycling and disposal of hazardous and certain non-hazardous wastes.  Our refineries are large 
quantity generators of hazardous waste and require hazardous waste permits issued by the EPA or state agencies.  Additionally, certain of our 
other facilities, such as terminals and biodiesel plants, generate lesser quantities of hazardous wastes.

Under  RCRA,  the  Comprehensive  Environmental  Response,  Compensation,  and  Liability Act  ("CERCLA")  and  other  federal,  state  and  local 
environmental laws, as the owner or operator of refineries, biodiesel plants, bulk terminals, pipelines, tank farms, rail cars, trucks and retail locations, 
we may be liable for the costs of removal or remediation of contamination at our existing or former locations, whether we knew of, or were responsible 
for, the presence of such contamination.  We have incurred such liability in the past, and several of our current and former locations are the subject 
of ongoing remediation projects.  The failure to timely report and properly remediate contamination may subject us to liability to third parties and 
may adversely affect our ability to sell or rent our property or to borrow money using our property as collateral.  Additionally, persons who arrange 
for the disposal or treatment of hazardous substances also may be liable for the costs of removal or remediation of these substances at sites where 
they are located, regardless of whether the site is owned or operated by that person.  We typically arrange for the treatment or disposal of hazardous 

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substances generated by our refining and other operations.  Therefore, we may be liable for removal or remediation costs associated with releases 
of these substances at third party locations, as well as other related costs, including fines, penalties and damages resulting from injuries to persons, 
property and natural resources.  Our El Dorado refinery is a minor potentially responsible party at a Superfund site, for which we expect our costs 
to be non-material. In the future, we may incur substantial expenditures for investigation or remediation of contamination that has not been discovered 
at our current or former locations or locations that we may acquire or at third party sites where hazardous substances from these locations have 
been treated or disposed.

Our operations are subject to certain requirements of the CAA, as well as related state and local laws and regulations governing air emissions.  
Certain CAA regulatory programs applicable to our refineries, terminals and other operations require capital expenditures for the installation of air 
pollution control devices, operational procedures to minimize emissions and monitoring and reporting of emissions.  In 2012, the EPA announced 
an industry-wide enforcement initiative directed at flaring operations and performance at refineries and petrochemical plants and finalized revisions 
to NSPS Subpart Ja that primarily affects flares and process heaters.  We completed capital and other projects at our refineries related to flare 
compliance with NSPS Ja in 2015 and 2016. 

A consent decree was entered in the United States District Court for the Northern District of Texas in June 2019 resolving alleged historical violations 
of the CAA at our Big Spring refinery. In addition to a civil penalty of $0.5 million that we paid in June 2019, we will be required  to expend capital 
for pollution control equipment that may be significant over the next 10 years. According to the EPA, approximately 95% of the nation's refining 
capacity has entered into "global" settlements under the EPA National Refinery Initiative. Our El Dorado and Tyler refineries entered into similar 
global settlements in 2002 and 2009. A similar consent decree covering the Krotz Springs refinery entered into in 2005 by a previous owner was 
terminated by the court in October 2017.

In 2015, the EPA finalized reductions in the NAAQS for ozone, from 75 ppb to 70 ppb.  Our Tyler refinery is located near areas that have been 
reclassified as being in non-attainment with the new standard.  However, the refinery area has not been classified as being in non-attainment with 
the new standard.  If air quality near our facilities worsens in the future, it is possible that these area(s) could be reclassified as being in non-
attainment for the new ozone standard which could require us to install additional air pollution control equipment for ozone forming emissions in 
the future. We do not believe such capital expenditures, or the changes in our operation, will result in a material adverse effect on our business, 
financial condition or results of operations.

In late 2015, the EPA finalized additional rules regulating refinery air emissions from a variety of sources (such as cokers, flares, tanks and other 
process units) through additional NSPS and National Emission Standards for Hazardous Air Pollutants and changing the way emissions from 
startup, shutdown and malfunction operations are regulated (the "Refinery Risk and Technology Review Rules" or “RTR”).  The RTR rule also 
requires that we monitor property line benzene concentrations at our refineries, and report those concentrations quarterly to the EPA, which will 
make the results available to the public.  Even though the concentrations are not expected to exceed regulatory or health-based standards, the 
availability of such data may increase the likelihood of lawsuits against our refineries by the local public or organized public interest groups.  Delek 
has obtained 1-year compliance extensions to certain provisions of the rule. Most of the capital cost needed to comply with these new rules has 
already been spent.  We do not anticipate that any additional capital costs or future operating costs will be material, and do not believe compliance 
will affect our production capacities or have a material adverse effect upon our business, financial condition or results of operations.

In addition to our operations, many of the fuel products we manufacture are subject to requirements of the CAA, as well as related state and local 
laws and regulations.  The EPA has the authority, under the CAA, to modify the formulation of the refined transportation fuel products we manufacture, 
in order to limit the emissions associated with their final use.  In 2007, the EPA issued final Mobile Source Air Toxic II rules for gasoline formulation 
that required the reduction of annual average benzene content by July 1, 2012.  We have purchased credits in the past to comply with these content 
requirements for two of our refineries. Although credits have been readily available, there can be no assurance that such credits will continue to 
be available for purchase at reasonable prices, or at all, and we could have to implement capital projects in the future to reduce benzene levels.

In March 2014, the EPA issued final Tier 3 gasoline rules that require a reduction in annual average gasoline sulfur content from 30 ppm to 10 ppm 
by January 1, 2017 for "large refineries" and retains the current maximum per-gallon sulfur content limit of 80 ppm.  In April 2016, the EPA finalized 
a change to the Tier 3 standard, requiring small volume refineries that increase their annual average crude processing rate above 75,000 bpd to 
meet the Tier 3 sulfur limits 30 months from that “disqualifying” date. Under the final rules, all of our refineries are considered “small refineries” and 
are exempt until January 1, 2020. We anticipate that our refineries will meet these new limits when they become effective and that capital spending 
at our refineries to achieve compliance by the effective date were $12.0 million through 2019. We do not anticipate that this rule change will affect 
our refineries.

Our operations are also subject to the CWA, the OPA-90 and comparable state and local requirements.  The CWA, and similar laws, prohibit any 
discharge into surface waters, ground waters, injection wells and publicly-owned treatment works, except as allowed by pre-treatment permits and 
NPDES permits issued by federal, state and local governmental agencies.  The OPA-90 prohibits the discharge of oil into "Waters of the U.S." and 
requires that affected facilities have plans in place to respond to spills and other discharges.  The CWA also regulates filling or discharges to 
wetlands and other "Waters of the U.S."  In 2015, the EPA, in conjunction with the Army Corps of Engineers, issued a final rule expanding the 
definition of “Waters of the U.S.” The rule, which was subject to litigation and judicial stays, was repealed in December 2019 and the EPA and the 
Army Corps of Engineers have published a proposed rule containing an alternative definition of “Waters of the U.S.” that is intended to increase 
predictability and consistency and generally adopts a narrower definition than the 2015 rule. However, legal challenges continue and the ultimate 
resolution is uncertain at this time. To the extent a final rule expands the scope of the CWA’s jurisdiction, we could face increased operating costs 

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or other impediments that could alter the way we conduct our business, which could in turn have a material adverse effect on our business, financial 
condition and results of operations.

We are subject to regulation by the DOT and various state agencies in connection with our pipeline, trucking and rail transportation operations.  
These regulatory authorities exercise broad powers, governing activities such as the authorization to operate hazardous materials pipelines and 
engage in motor carrier operations.  There are additional regulations specifically relating to the transportation industry, including integrity management 
of pipelines, testing and specification of equipment, product handling and labeling requirements and personnel qualifications.  The transportation 
industry is subject to possible regulatory and legislative changes that may affect the economics of our business by requiring changes in operating 
practices or pipeline construction or by changing the demand for common or contract carrier services or the cost of providing trucking services.  
Possible changes include, among other things, increasingly stringent environmental regulations, increased frequency and stringency for testing 
and repairing pipelines, replacement of older pipelines, changes in the hours of service regulations that govern the amount of time a driver may 
drive in any specific period, on-board black box recorder devices or limits on vehicle weight and size and properties of the materials that can be 
shipped.  Required changes to the specifications governing rail cars carrying crude oil will eliminate the most commonly used tank cars or require 
that such cars be upgraded.  In January 2017, PHMSA announced they were considering limits on the volatility of crude oil that could be shipped 
by rail and other modes of transportation.  These rules could limit the availability of tank cars to transport crude to our refineries and increase the 
cost of crude oil transported by rail or truck.  In addition to the substantial remediation costs that could be caused by leaks or spills from our pipelines, 
regulators could prohibit our use of affected portions of the pipeline for extended periods, thereby interrupting the delivery of crude oil to, or the 
distribution of refined products from, our refineries.

In addition, the DOT has issued guidelines with respect to securing regulated facilities such as our bulk terminals against terrorist attack.  We have 
instituted security measures and procedures in accordance with such guidelines to enhance the protection of certain of our facilities.  We cannot 
provide any assurance that these security measures would fully protect our facilities from an attack.

Our operations are subject to various laws and regulations relating to occupational health and safety and process safety administered by OSHA, 
the EPA and various state equivalent agencies.  We maintain safety, training, design standards, mechanical integrity and maintenance programs 
as part of our ongoing efforts to ensure compliance with applicable laws and regulations and to protect the safety of our workers and the public.  
More stringent laws or regulations or adverse changes in the interpretation of existing laws or regulations by government agencies could have an 
adverse effect on our financial position and the results of our operations and could require substantial expenditures for the installation and operation 
of systems and equipment.

Health and safety legislation and regulations change frequently.  We cannot predict what additional health and safety legislation or regulations will 
be enacted or become effective in the future or how existing or future laws or regulations will be administered or interpreted with respect to our 
operations.  Compliance with applicable health and safety laws and regulations has required, and continues to require, substantial expenditures.  
Future process safety rules could also mandate changes to the way we operate, the processes and chemicals we use and the materials from which 
our process units are constructed.  Such regulations could have a significant negative effect on our operations and profitability.  For example, in 
response to Executive Order 13650, Improving Chemical Facility Safety and Security, OSHA announced it intends to propose comprehensive 
changes to the process safety requirements, although they have not yet formally proposed any revisions. In January 2017, the EPA finalized 
changes to process safety requirements in its Risk Management Program rules that require evaluation of safer alternatives and technologies, 
expanded routine audits, independent third-party audits following certain process safety events and increased sharing of information with the public 
and emergency response organizations. In January 2017, OSHA announced changes to its National Emphasis Program, and specifically identified 
oil refineries as facilities for increased inspections. The changes also instruct inspectors to use data gathered from EPA Risk Management Plan 
inspections to identify refiners for additional Process Safety Management inspections. 

Environmental regulations are becoming more stringent, and new environmental and safety laws and regulations are continuously being enacted 
or proposed.  Compliance with any future legislation or regulation of our produced fuels, including renewable fuel or carbon content; GHG emissions; 
sulfur, benzene or other toxic content; vapor pressure; octane; or other fuel characteristics, may result in increased capital and operating costs 
and may have a material adverse effect on our  business, financial conditions or results of operations.  While it is impractical to predict the impact 
that potential regulatory and activist activity may have, such future activity may result in increased costs to operate and maintain our facilities, as 
well as increased capital outlays to improve our facilities.  Such future activity could also adversely affect our ability to expand production, result 
in damaging publicity about us, or reduce demand for our products.  Our need to incur costs associated with complying with any resulting new 
legal or regulatory requirements that are substantial and not adequately provided for, could have a material adverse effect on our business, financial 
condition and results of operations.

Our operating responsibility for bulk product terminals and refined product pipelines includes responsibility to ensure the quality and purity of the 
products loaded at our loading racks. If our quality control measures were to fail, we may have contaminated or off-specification products in pipelines 
and storage tanks or off-specification product could be sent to public gasoline stations. These types of incidents could result in product liability 
claims from our customers, as well as negative publicity.  Product liability is a significant commercial risk. Substantial damage awards have been 
made in certain jurisdictions against manufacturers and resellers based upon claims for injuries caused by the use of or exposure to various 
products. There can be no assurance that product liability claims against us would not have a material adverse effect on our business or results 
of operations or our ability to maintain existing customers or retain new customers.

The Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act") is comprehensive financial reform legislation that, among 
other things, establishes comprehensive federal oversight and regulation of over-the-counter derivatives and many of the entities that participate 

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Risk Factors

in that market.  Although the Dodd-Frank Act was enacted on July 21, 2010, the Commodity Futures Trading Commission ("CFTC") and the SEC, 
along with certain other regulators, must promulgate final rules and regulations to implement many of the Dodd-Frank Act's provisions relating to 
over-the-counter derivatives. While some of these rules have been finalized, others have not; and, as a result, the final form and timing of the 
implementation of the new regulatory regime affecting commodity derivatives remains uncertain.

The availability and cost of RINs could have a material adverse effect on our financial condition and results of operations. 

The RFS-2, issued by the EPA, requires refiners to add annually increasing amounts of “renewable fuels” to their petroleum products or to purchase 
credits, known as “RINs,” in lieu of such blending. Due to regulatory uncertainty and in part due to the nation’s fuel supply approaching the “blend 
wall” (the 10% ethanol limit prescribed by most automobile warranties), the price and availability of RINs has been volatile.

While we are able to obtain many of the RINs required for compliance by blending renewable fuels manufactured by third parties or by our own 
biodiesel plants, we must also purchase RINs on the open market.  If we are unable to pass the costs of compliance with RFS-2 on to our customers, 
our profits will be adversely impacted. If we have to pay a significantly higher price for RINs, if sufficient RINs are unavailable for purchase or if we 
are otherwise unable to meet the RFS-2 mandates, our business, financial condition and results of operations could be materially and adversely 
affected.

The availability and cost of RINs and other required credits could have an adverse effect on our financial condition and results of 
operations.

Pursuant to the 2007 Energy Independence and Security Act, the EPA promulgated the RFS-2 regulations reflecting the increased volume of 
renewable fuels mandated to be blended into the nation's fuel supply. The regulations, in part, require refiners to add annually increasing amounts 
of “renewable fuels” to their petroleum products or purchase RINs in lieu of such blending. We currently purchase RINs for some fuel categories 
on the open market in order to comply with the quantity of renewable fuels we are required to blend under the RFS-2 regulations. Since the EPA 
first began mandating biofuels in excess of the “blend wall” (the 10% ethanol limit prescribed by most automobile warranties), the price of RINs has 
been extremely volatile. While we cannot predict the future prices of RINs, the costs to obtain the necessary number of RINs could be material. If 
we are unable to pass the costs of compliance with the RFS-2 regulations on to our customers, if sufficient RINs are unavailable for purchase, if 
we have to pay a significantly higher price for RINs or if we are otherwise unable to meet the RFS-2 mandates, our financial condition and results 
of operations could be adversely affected.

In the past, we have received small refinery exemptions under the RFS-2 program for certain of our refineries. However, there is no assurance 
that such an exemption will be obtained for any of our refineries in future years. For example, the EPA has recently indicated it plans to more closely 
align the agency’s criteria for granting small refinery exemptions with the recommendation of the Department of Energy, which could result in fewer 
such exemptions being granted. The failure to obtain such exemptions for certain of our refineries could result in the need to purchase more RINs than 
we currently have estimated and accrued for in our consolidated financial statements. The EPA recently promulgated new Renewable Fuel Standards 
regulations that could require the agency to increase the volume of renewable fuel or RINs that refiners are required to purchase if the agency 
anticipates it will grant small refinery exemptions. This could also increase the number of RINs we need to purchase. Additionally, recent decisions 
by the U.S. Court of Appeals for the 10th Circuit have vacated small refinery exemptions granted in past years for other refiners. These decisions 
have been remanded to the EPA for further proceedings, and it is not clear at this time what steps the EPA will take with respect to those vacated 
small refinery exemptions, or how the case will impact small refinery exemptions granted to other refineries or future small refinery exemptions.

In  addition,  the  RFS-2  regulations  are  highly  complex  and  evolving,  requiring  us  to  periodically  update  our  compliance  systems. The RFS-2 
regulations require the EPA to determine and publish the applicable annual volume and percentage standards for each compliance year by November 
30 for the forthcoming year, and such blending percentages could be higher or lower than amounts estimated and accrued for in our consolidated 
financial statements. The future cost of RINs is difficult to estimate until such time as the EPA finalizes the applicable standards for the forthcoming 
compliance year. Moreover, in addition to increased price volatility in the RINs market, there have been multiple instances of RINs fraud occurring 
in the marketplace over the past several years. The EPA has initiated several enforcement actions against refiners who purchase fraudulent RINs, 
resulting in substantial costs to the refiner. We cannot predict with certainty our exposure to increased RINs costs in the future, nor can we predict 
the extent by which costs associated with RFS-2 regulations will impact our future results of operations.

Increased supply of and demand for alternative transportation fuels, increased fuel economy standards and increased use of alternative 
means  of  transportation  could  lead  to  a  decrease  in  transportation  fuel  prices  and/or  a  reduction  in  demand  for  petroleum-based 
transportation fuels.  

In addition, as regulatory initiatives have required an increase in the consumption of renewable transportation fuels, such as ethanol and biodiesel, 
consumer acceptance of electric, hybrid and other alternative vehicles is increasing.  Increased use of renewable fuels and alternative vehicles 
may result in a decrease in demand for petroleum-based transportation fuels.  Increased use of renewable fuels may also result in an increase in 
transportation fuel supply relative to decreased demand and a corresponding decrease in margins.  A significant decrease in transportation fuel 
margins or demand for petroleum-based transportation fuels could have an adverse impact on our financial results.  As described above, RFS-2 
requires replacement of increasing amounts of petroleum-based transportation fuels with biofuels through 2022. RFS-2 and widespread use of 
E-15 or E-85 could cause decreased crude runs and materially affect our profitability, unless fuel demand rises at a comparable rate or other outlets 
are found for the displaced petroleum products.

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Risk Factors

On October 11, 2018, the White House announced the President has signed a memorandum directing the EPA to conduct a rulemaking that is 
intended to increase the utilization of E-15 during the summer months. In its regulatory agenda, the EPA projects publication of a proposed rule in 
February 2019 and a final rule in May 2019.  Notwithstanding this timeline, the Office of Management and Budget's Office of Information and 
Regulatory Affairs has not yet announced that it has received a draft proposal for interagency review. 

In 2012, the EPA and the National Highway Traffic Safety Administration finalized rules raising the required Corporate Average Fuel Economy and 
GHG standards for passenger vehicles beginning with 2017 model year vehicles and increasing to the equivalent of 54.5 mpg by 2025. These 
standards were reaffirmed by the EPA in January 2017, but that action was subsequently withdrawn on April 13, 2018.  Additional increases in fuel 
efficiency  standards  for  medium  and  heavy-duty  vehicles  were  finalized  in  2016.  Such  increases  in  fuel  economy  standards  and  potential 
electrification of the vehicle fleet, along with mandated increases in use of renewable fuels discussed above, could result in decreasing demand 
for petroleum fuels, which, in turn, could materially affect profitability at our refineries.

To meet higher fuel efficiency and GHG emission standards for passenger vehicles, automobile manufacturers are increasingly using technologies, 
such as turbocharging, direct injection and higher compression ratios that require high octane gasoline.  Many auto manufacturers have expressed 
a desire that only a high-octane grade of gasoline be allowed in order to maximize fuel efficiency, rather than the three octane grades common 
now.  Regulatory changes allowing only one high-octane grade, or significant increases in market demand for high-octane fuel, could result in a 
shift to high-octane ethanol blends containing 25% - 30% ethanol, the need for capital expenditures at our refineries to increase octane or reduced 
demand for petroleum fuels, which could materially affect profitability of our refineries.

Competition in the refining and logistics industry is intense,  and an increase in competition in the markets in which we sell our products 
could adversely affect our earnings and profitability.

We compete with a broad range of companies in our refining and petroleum product marketing operations.  Many of these competitors are integrated, 
multinational oil companies that are substantially larger than us.  Because of their diversity, integration of operations, larger capitalization, larger 
and more complex refineries and greater resources, these companies may be better able to withstand volatile market conditions relating to crude 
oil and refined product pricing, to compete on the basis of price and to obtain crude oil in times of shortage.

We do not engage in petroleum exploration or production, and therefore do not produce any of our crude oil feedstocks.  Certain of our competitors, 
however, obtain a portion of their feedstocks from company-owned production activities.  Competitors that have their own crude oil production are 
at times able to offset losses from refining operations with profits from producing operations and may be better positioned to withstand periods of 
depressed refining margins or feedstock shortages.  If we are unable to compete effectively with these competitors, there could be a material 
adverse effect on our business, financial condition and results of operations.

Our retail segment is subject to loss of market share or pressure to reduce prices in order to compete effectively with a changing group 
of competitors in a fragmented retail industry.

The markets in which we operate our retail fuel and convenience stores are highly competitive and characterized by ease of entry and constant 
change in the number and type of retailers offering the products and services found in our stores. We compete with other convenience store chains, 
gas stations, supermarkets, drug stores, discount stores, dollar stores, club stores, mass merchants, fast food operations, independent owner-
operators and other retail outlets. In some of our markets, our competitors have been in existence longer and have greater financial, marketing 
and other resources than us. In addition, independent owner-operators can generally operate stores with lower overhead costs than ours. As a 
result, our competitors may be able to respond better to changes in the economy and new opportunities within the industry.

Several non-traditional retailers, such as supermarkets, club stores and mass merchants, have affected the convenience store industry by entering 
the retail fuel business and/or selling merchandise traditionally found in convenience stores. Many of these competitors are substantially larger 
than we are. Because of their diversity, integration of operations and greater resources, these companies may be better able to withstand volatile 
market conditions or levels of low or no profitability. In addition, these retailers may use promotional pricing or discounts, both at the pump and in 
the store, to encourage in-store merchandise sales. These activities by our competitors could adversely affect our profit margins. Additionally, our 
convenience stores could lose market share, relating to both gasoline and merchandise, to these and other retailers, which could adversely affect 
our business, results of operations and cash flows. Our convenience stores compete in large part based on their ability to offer convenience to 
customers. Consequently, changes in traffic patterns and the type, number and location of competing stores could result in the loss of customers 
and reduced sales and profitability at affected stores. These non-traditional gasoline and/or convenience merchandise retailers may obtain a 
significant share of the retail fuels market, may obtain a significant share of the convenience store merchandise market and their market share in 
each market is expected to grow.

We may seek to diversify and expand our retail fuel and convenience store operations, which may present operational and competitive 
challenges. 

We may seek to grow by selectively operating stores in geographic areas other than those in which we currently operate, or in which we currently 
have a relatively small number of stores. This growth strategy would present numerous operational and competitive challenges to our senior 
management and employees and would place significant pressure on our operating systems. In addition, we cannot assure that consumers 
located in the regions in which we may expand our operations would be as receptive to our stores as consumers in our existing markets. The 
success of any such growth plans will depend in part upon our ability to:

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Risk Factors

• 

• 

• 

• 

• 

• 

• 

select, and compete successfully in, new markets;

obtain suitable sites at acceptable costs;

realize an acceptable return on the capital invested in new facilities;

hire, train, and retain qualified personnel;

integrate new retail fuel and convenience stores into our existing distribution, inventory control, and information systems;

expand relationships with our suppliers or develop relationships with new suppliers; and

secure adequate financing, to the extent required.

We cannot assure that we will achieve our development goals, manage our growth effectively, or operate our existing and new retail fuel and 
convenience stores profitability. The failure to achieve any of the foregoing could have a material adverse effect on our business, financial condition 
and results of operations.

Decreases in commodity prices may lessen our borrowing capacities, increase collateral requirements for derivative instruments or 
cause a write-down of inventory.

The nature of our business requires us to maintain substantial quantities of crude oil, refined petroleum product and blendstock inventories.  Because 
these inventories are commodities, we have no control over their changing market value.  For example, reductions in the value of our inventories 
or accounts receivable as a result of lower commodity prices could result in a reduction in our borrowing base calculations and a reduction in the 
amount of financial resources available to meet the refineries' credit requirements.  Further, if at any time our availability under certain of our 
revolving credit facilities falls below certain thresholds, we may be required to take steps to reduce our utilization under those credit facilities. In 
addition, changes in commodity prices may require us to utilize substantial amounts of cash to settle or cash collateralize some or all of our existing 
commodity hedges. Finally, because our inventory is valued at the lower of cost or market value, we would record a write-down of inventory and 
a non-cash charge to cost of sales if the market value of the inventory were to decline to an amount below our cost.

A terrorist attack on our assets, or threats of war or actual war, may hinder or prevent us from conducting our business.

Terrorist attacks (including cyber-attacks) in the United States, as well as events occurring in response to or in connection with them, including 
political instability in significant oil producing regions such as the Middle East, Africa, the former Soviet Union and South America, may harm our 
business.  Energy-related assets (which could include refineries, pipelines and terminals such as ours) may be at greater risk of future terrorist 
attacks than other possible targets in the United States.

A direct attack on our assets, or the assets of others used by us, could have a material adverse effect on our business, financial condition and 
results of operations. Uncertainty surrounding continued global hostilities or other sustained military campaigns, and the possibility that infrastructure 
facilities could be direct targets of, or indirect casualties of, an act of terror, may affect our operations in unpredictable ways, including disruptions 
of crude oil supplies and markets for refined products. In addition, any terrorist attack or political instability in significant oil producing regions such 
as the Middle East, Africa, the former Soviet Union and South America could have an adverse impact on energy prices, including prices for crude 
oil, other feedstocks and refined petroleum products, and an adverse impact on the margins from our refining and petroleum product marketing 
operations. The long-term impacts of terrorist attacks and the threat of future terrorist on the energy transportation industry in general, and on us 
in particular, are unknown. Increased security measures taken by us as a precaution against possible terrorist attacks or vandalism could result 
in increased costs to our business. In addition, disruption or significant increases in energy prices could result in government-imposed price controls.  
Any one of, or a combination of, these occurrences could have a material adverse effect on our business, financial condition and results of operations.

Legislative and regulatory measures to address climate change and GHG emissions could increase our operating costs or decrease 
demand for our refined products.

Various legislative and regulatory measures to address climate change and GHG emissions (including carbon dioxide, methane and nitrous oxides) 
are in various phases of discussion or implementation and could affect our operations.  They include proposed and recently enacted federal 
regulation and state actions to develop statewide, regional or nationwide programs designed to control and reduce GHG emissions from fixed 
sources, such as our refineries, coal-fired power plants and oil and gas production operations, as well as mobile transportation sources and fuels.  
Many states and regions have implemented, or are in the process of implementing, measures to reduce emissions of GHGs, primarily through cap 
and trade programs or low carbon fuel standards, but other than in California where we have limited operations, we do not currently operate in 
states that have their own GHG reduction programs. 

In December 2009, the EPA published its findings that emissions of GHGs present a danger to public health and the environment because emissions 
of such gases are, according to the EPA, contributing to the warming of the Earth’s atmosphere and other climatic conditions.  Based on these 
findings, the EPA adopted two sets of regulations that restrict emissions of GHGs under existing provisions of the federal CAA, including one that 
requires a reduction in emissions of GHGs from motor vehicles and another that regulates GHG emissions from certain large stationary sources 
under the PSD and Title V permitting programs. Congress has also from time to time considered legislation to reduce emissions of GHGs.  Efforts 
have been made, and continue to be made, in the international community toward the adoption of international treaties or protocols that would 
address global climate change issues.  In April 2016, the United States became a signatory to the 2015 United Nations Conference on Climate 
Change, which led to the creation of the Paris Agreement.  The Paris Agreement, which became effective by its terms on November 4, 2016, will 
require countries to review and "represent a progression" in their intended nationally determined contributions, which set GHG emission reduction 

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Risk Factors

goals, every five years, beginning in 2020.  On August 4, 2017, the United States formally communicated to the United Nations its intent to withdraw 
from participating in the Paris Agreement, which entails a four-year process. In response to the announced withdrawal plan, a number of state and 
local governments in the United States have expressed intentions to take GHG-related actions.  

Although it is not possible to predict the requirements of any GHG legislation that may be enacted, any laws or regulations that have been or may 
be adopted to restrict or reduce GHG emissions will likely require us to incur increased operating and capital costs and/or increased taxes on GHG 
emissions and petroleum fuels, and any increase in the prices of refined products resulting from such increased costs, GHG cap and trade programs 
or taxes on GHGs, could result in reduced demand for our petroleum fuels.  If we are unable to maintain sales of our refined products at a price 
that reflects such increased costs, there could be a material adverse effect on our business, financial condition and results of operations. GHG 
regulation, including taxes on the GHG content of fuels, could also impact the consumption of refined products, thereby affecting our refinery 
operations.

Increasing attention to environmental, social and governance matters may impact our business, financial results or stock price. 

In recent years, increasing attention has been given to corporate activities related to environmental, social and governance (“ESG”) matters in 
public  discourse  and  the  investment  community. A  number  of  advocacy  groups,  both  domestically  and  internationally,  have  campaigned  for 
governmental and private action to promote change at public companies related to ESG matters, including through the investment and voting 
practices  of  investment  advisers,  public  pension  funds,  universities  and  other  members  of  the  investing  community. These  activities  include 
increasing attention and demands for action related to climate change, promoting the use of substitutes to fossil fuel products, and encouraging 
the divestment of companies in the fossil fuel industry. These activities could reduce demand for our products, reduce our profits, increase the 
potential for investigations and litigation, impair our brand and have negative impacts on our stock price and access to capital markets.

In addition, organizations that provide information to investors on corporate governance and related matters have developed ratings systems for 
evaluating companies on their approach to ESG matters. These ratings are used by some investors to inform their investment and voting decisions. 
Unfavorable ESG ratings may lead to increased negative investor sentiment toward us and our industry and to the diversion of investment to other 
industries, which could have a negative impact on our stock price and our access to and costs of capital.

Risks Relating to Our Business  

We are particularly vulnerable to disruptions to our refining operations because our refining operations are concentrated in four facilities.

Because all of our refining operations are concentrated in the Tyler, El Dorado, Big Spring and Krotz Springs refineries, significant disruptions at 
one of these facilities could have a material adverse effect on our consolidated financial results. Refining segment contribution margin comprised 
approximately 79.4%, 84.2% and 88.3% of our consolidated contribution margin for the 2019, 2018 and 2017 fiscal years, respectively.

Our refineries consist of many processing units, a number of which have been in operation for many years. These processing units undergo periodic 
shutdowns, known as turnarounds, during which routine maintenance is performed to restore the operation of the equipment to a higher level of 
performance.  Depending on which units are affected, all or a portion of a refinery's production may be halted or disrupted during a maintenance 
turnaround. We completed a maintenance turnaround at our El Dorado refinery in 2014 and a shortened turnaround that allowed work to be 
completed on the majority of the process units in March 2019. In addition, we completed a maintenance turnaround at our Tyler refinery in 2015 
and plan for a maintenance turnaround for our Big Spring refinery beginning January of 2020. We are also subject to unscheduled down time for 
unanticipated maintenance or repairs. 

Refinery operations may also be disrupted by external factors, such as a suspension of feedstock deliveries, cyber-attacks, or an interruption of 
electricity, natural gas, water treatment or other utilities.  Other potentially disruptive factors include natural disasters, severe weather conditions, 
workplace or environmental accidents, interruptions of supply, work stoppages, losses of permits or authorizations or acts of terrorism. 

Our operations are subject to business interruptions and casualty losses. Failure to manage risks associated with business interruptions 
could adversely impact our operations, financial condition, results of operations and cash flows.

Our refining and logistics operations are subject to significant hazards and risks inherent in transporting, storing and processing crude oil and 
intermediate and finished petroleum products.  These hazards and risks include, but are not limited to, natural or weather-related disasters, fires, 
explosions, pipeline ruptures and spills, trucking accidents, train derailments, third-party interference, mechanical failure of equipment and other 
events beyond our control.  The occurrence of any of these events could result in production and distribution difficulties and disruptions, personal 
injury or death, environmental pollution and other damage to our properties and the properties of others. 

If any facility were to experience an interruption in operations, earnings from the facility could be materially adversely affected (to the extent not 
recoverable through insurance, if insured) because of lost production and repair costs. A significant interruption in one or more of our facilities could 
also lead to increased volatility in prices for feedstocks and refined products and could increase instability in the financial and insurance markets, 
making it more difficult for us to access capital and to obtain insurance coverage that we consider adequate.

Because of these inherent dangers, our refining and logistics operations are subject to various laws and regulations relating to occupational health 
and safety, process and operating safety, environmental protection and transportation safety.  Continued efforts to comply with applicable laws and 
regulations related to health, safety and the environment, or a finding of non-compliance with current regulations, could result in additional capital 
expenditures or operating expenses, as well as fines and penalties.

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Risk Factors

In addition, our refineries, pipelines and terminals are located in populated areas and any release of hazardous material, or catastrophic event, 
could affect our employees and contractors, as well as persons and property outside our property.  Our pipelines, trucks and rail cars carry flammable 
and toxic materials on public railways and roads and across populated and/or environmentally sensitive areas and waterways that could be severely 
impacted in the event of a release.  An accident could result in significant personal injuries and/or cause a release that results in damage to occupied 
areas, as well as damage to natural resources.  It could also affect deliveries of crude oil to our refineries, resulting in a curtailment of operations.  
The costs to remediate such an accidental release and address other potential liabilities, as well as the costs associated with any interruption of 
operations, could be substantial.  Although we maintain significant insurance coverage for such events, it may not cover all potential losses or 
liabilities.

In the event that personal injuries or deaths result from such events, or there are natural resource damages, we would likely incur substantial legal 
costs and liabilities.  The extent of these costs and liabilities could exceed the limits of our available insurance.  As a result, any such event could 
have a material adverse effect on our business, financial condition, results of operations and cash flows.

The costs, scope, timelines and benefits of our refining projects may deviate significantly from our original plans and estimates.

We may experience unanticipated increases in the cost, scope and completion time for our improvement, maintenance and repair projects at our 
refineries.  Refinery projects are generally initiated to increase the yields of higher-value products, increase our ability to process a variety of crude 
oil, increase production capacity, meet new regulatory requirements or maintain the safe and reliable operations of our existing assets.  Equipment 
that we require to complete these projects may be unavailable to us at expected costs or within expected time periods.  Additionally, employee or 
contractor labor expense may exceed our expectations.  Due to these or other factors beyond our control, we may be unable to complete these 
projects within anticipated cost parameters and timelines.

In addition, the benefits we realize from completed projects may take longer to achieve and/or be less than we anticipated.  Large-scale capital 
projects are typically undertaken in anticipation of achieving an acceptable level of return on the capital to be employed in the project.  We base 
these forecasted project economics on our best estimate of future market conditions that are not within our control.  Most large-scale projects take 
many years to complete, and during this multi-year period, market and other business conditions can change from those we forecast.  Our inability 
to complete, and/or realize the benefits of refinery projects in a cost-efficient and timely manner, could have a material adverse effect on our 
business, financial condition and results of operations.

We depend upon our logistics segment for a substantial portion of the crude oil supply and refined product distribution networks that 
serve our Tyler, Big Spring and El Dorado refineries.

Our logistics segment consists of Delek Logistics, a publicly-traded master limited partnership, and our consolidated financial statements include 
its consolidated financial results.  As of December 31, 2019, we owned a 61.4% limited partner interest in Delek Logistics, and a 94.6% interest 
in Logistics GP, which owns the entire 2.0% general partner interest in Delek Logistics.  Delek Logistics operates a system of crude oil and refined 
product pipelines, distribution terminals and tankage in Arkansas, Louisiana, Tennessee and Texas.  Delek Logistics generates revenues by charging 
tariffs for transporting crude oil and refined products through its pipelines, by leasing pipeline capacity to third parties, by charging fees for terminalling 
refined products and other hydrocarbons and storing and providing other services at its terminals.

Our Tyler, El Dorado and Big Spring refineries are substantially dependent upon Delek Logistics' assets and services under several long-term 
pipeline and terminal, tankage and throughput agreements expiring in 2024 through 2033. Delek Logistics is subject to its own operating and 
regulatory risks, including, but not limited to:

• 

its reliance on significant customers, including us;

•  macroeconomic factors, such as commodity price volatility that could affect its customers' utilization of its assets;

• 

• 

• 

• 

• 

• 

• 

• 

• 

its reliance on us for near-term growth;

sufficiency of cash flow for required distributions;

counterparty risks, such as creditworthiness and force majeure;

competition from third-party pipelines and terminals and other competitors in the transportation and marketing industries;

environmental regulations;

operational hazards and risks;

pipeline tariff regulations;

limitations on additional borrowings and other restrictions in its debt agreements; and

other financial, operational and legal risks.

The occurrence of any of these factors could directly or indirectly affect Delek Logistics' financial condition, results of operations and cash flows.  
Because Delek Logistics is our consolidated subsidiary, the occurrence of any of these risks could also affect our financial condition, results of 

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Risk Factors

operations and cash flows.  Additionally, if any of these risks affect Delek Logistics' viability, its ability to serve our supply and distribution needs 
may be jeopardized.

For additional information about Delek Logistics, see "Logistics Segment" under Item 1 & 2, Business and Properties, of this Annual Report on 
Form 10-K.

Interruptions or limitations in the supply and delivery of crude oil, or the supply and distribution of refined products, may negatively 
affect our refining operations and inhibit the growth of our refining operations.

We rely on Delek Logistics and third-party transportation systems for the delivery of crude oil to our refineries.  For example, during the year ended 
December 31, 2019, we relied upon the West Texas Gulf pipeline for the delivery of approximately 73.3% of the crude oil processed by our Tyler 
and El Dorado refineries.  We could experience an interruption or reduction of supply and delivery, or an increased cost of receiving crude oil, if 
the ability of these systems to transport crude oil is disrupted because of accidents, adverse weather conditions, governmental regulation, terrorism, 
maintenance or failure of pipelines or other delivery systems, other third-party action or other events beyond our control.  The unavailability for our 
use, for a prolonged period of time, of any system of delivery of crude oil could have a material adverse effect on our business, financial condition 
and results of operations. Pipeline suspensions like these could require us to operate at reduced throughput rates. 

Moreover, interruptions in delivery or limitations in delivery capacity may not allow our refining operations to draw sufficient crude oil to support 
current refinery production or increases in refining output.  In order to maintain or materially increase refining output, existing crude delivery systems 
may require upgrades or supplementation, which may require substantial additional capital expenditures.

In addition, the El Dorado, Big Spring and Krotz Springs refineries distribute most of their light product production through a third-party pipeline 
system.  An interruption to, or change in, the operation of the third-party pipeline system may result in a material restriction to our distribution 
channels.  Because demand in the local markets is limited, a material restriction to each of the refinery's distribution channels may cause us to 
reduce production and may have a material adverse effect on our business, financial condition and results of operations. 

We could experience an interruption or reduction of supply or delivery of refined products if our suppliers partially or completely ceased operations, 
temporarily or permanently.  The ability of these refineries and our suppliers to supply refined products to us could be temporarily disrupted by 
anticipated events, such as scheduled upgrades or maintenance, as well as events beyond their control, such as unscheduled maintenance, fires, 
floods,  storms,  explosions,  power  outages,  accidents,  acts  of  terrorism  or  other  catastrophic  events,  labor  difficulties  and  work  stoppages, 
governmental or private party litigation, or legislation or regulation that adversely impacts refinery operations.  In addition, any reduction in capacity 
of other pipelines that connect with our suppliers' pipelines or our pipelines due to testing, line repair, reduced operating pressures, or other causes 
could result in reduced volumes of refined product supplied to our logistics segment's West Texas terminals.  A reduction in the volume of refined 
products supplied to our West Texas terminals could adversely affect our sales and earnings.

We are subject to risks associated with significant investments in the Permian Basin.

We and our joint ventures have made and are continuing to make significant investments in infrastructure to gather crude oil from the Permian Basin in 
West Texas. Similar investments have been made and additional investments may be made in the future by us, our competitors or by new entrants 
to the markets we serve. The success of these and similar projects largely relies on the realization of anticipated market demand and growth in 
production in the Permian Basin. These projects typically require significant development periods, during which time demand for such infrastructure 
may change, production in the Permian Basin may decrease, or additional investments by competitors may be made. Lower production in the 
Permian Basin, or further investments by us or others in new pipelines, storage or dock capacity could result in capacity that exceeds demand, 
which could reduce the utilization of our gathering system and midstream assets and the related services or the prices we are able to charge for 
those services. There are several projects currently underway that are expected to increase pipeline capacity from the Permian Basin beyond 
current production. This excess capacity could decrease the differential between the Permian and end markets, resulting in a highly competitive 
environment for transportation services and reducing the rates for those services. When infrastructure investments in the markets we serve result 
in capacity that exceeds the demand in those markets, our facilities or investments could be underutilized, and rates could be unfavorably impacted, 
which could materially adversely affect our results of operations, financial position or cash flows, as well as our ability to pay cash distributions.

Our retail segment is dependent on fuel sales, which makes us susceptible to increases in the cost of gasoline and interruptions in 
fuel supply.

Our dependence on fuel sales makes us susceptible to increases in the cost of gasoline and diesel fuel, and fuel profit margins have a significant 
impact on our earnings. The volume of fuel sold by us, and our fuel profit margins, are affected by numerous factors beyond our control, including 
the supply and demand for fuel, volatility in the wholesale fuel market and the pricing policies of competitors in local markets. Although we can 
rapidly adjust our pump prices to reflect higher fuel costs, a material increase in the price of fuel could adversely affect demand. A material, sudden 
increase in the cost of fuel that causes our fuel sales to decline could have a material adverse effect on our business, financial condition and 
results of operations.

In addition, credit card interchange fees are typically calculated as a percentage of the transaction amount rather than a percentage of gallons 
sold.  Higher refined product prices often result in negative consequences for our retail operations, such as higher credit card expenses, lower 
retail fuel gross margin per gallon and reduced demand for gasoline and diesel. These conditions could result in fewer retail gallons sold and 
fewer retail merchandise transactions, which could have a material adverse effect on our business, financial condition and results of operations.

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Risk Factors

Our dependence on fuel sales also makes us susceptible to interruptions in fuel supply. Gasoline sales generate customer traffic to our retail fuel 
and convenience stores, and any decrease in gasoline sales, whether due to shortage or otherwise, could adversely affect our merchandise 
sales. A serious interruption in the supply of gasoline to our retail fuel and convenience stores could have a material adverse effect on our business, 
financial condition and results of operations.

General economic conditions may adversely affect our business, operating results and financial condition.

Economic slowdowns may have serious negative consequences for our business and operating results, because our performance is subject to 
domestic economic conditions and their impact on levels of consumer spending.  Some of the factors affecting consumer spending include general 
economic conditions, unemployment, consumer debt, reductions in net worth based on declines in equity markets and residential real estate values, 
adverse developments in mortgage markets, taxation, energy prices, interest rates, consumer confidence and other macroeconomic  factors.  
Political instability and global health crises, such as the recent outbreak of the novel coronavirus, can also impact the global economy and decrease 
worldwide demand for oil and refined products. During a period of economic weakness or uncertainty, current or potential customers may travel 
less, reduce or defer purchases, go out of business or have insufficient funds to buy or pay for our products and services.  Moreover, a financial 
market crisis may have a material adverse impact on financial institutions and limit access to capital and credit.  This could, among other things, 
make it more difficult for us to obtain (or increase our cost of obtaining) capital and financing for our operations.  Our access to additional capital 
may not be available on terms acceptable to us or at all.

Also, because all of our operating refineries are located in the Gulf Coast Region, we primarily market our refined products in a relatively limited 
geographic area.  As a result, we are more susceptible to regional economic conditions compared to our more geographically diversified competitors, 
and any unforeseen events or circumstances that affect the Gulf Coast Region could also materially and adversely affect our revenues and cash 
flows.  The primary factors include, among other things, changes in the economy, weather conditions, demographics and population, increased 
supply of refined products from competitors and reductions in the supply of crude oil or other feedstocks.  In the event of a shift in the supply/
demand balance in the Gulf Coast Region due to changes in the local economy, an increase in aggregate refining capacity or other reasons, 
resulting in supply exceeding the demand in the region, our refineries may have to deliver refined products to more customers outside of the Gulf 
Coast Region and thus incur considerably higher transportation costs, resulting in lower refining margins, if any. 

Additionally, general economic conditions in West Texas are highly dependent upon the price of crude oil. When crude oil prices exceed certain 
dollar per barrel thresholds, demand for people and equipment to support drilling and completion activities for the production of crude oil is robust, 
which supports overall economic health of the region. If crude oil prices fall below certain dollar per barrel thresholds, economic activity in the 
region may slow down, which could have a material adverse impact on the profitability of our business in West Texas.

The termination or expiration of our supply and offtake agreements could have a material adverse effect on our liquidity. 

Our supply and offtake agreements with J. Aron & Company ("J. Aron") have expiration dates ranging from April 2020 to May 2021. Pursuant to 
the agreements, J. Aron purchases a substantial portion of the crude oil and refined products in our refineries' inventory at market prices. Upon 
any termination of the agreements, including at expiration or in connection with a force majeure or default, the parties are required to negotiate 
with third parties for the assignment to us of certain contracts, commitments and arrangements, including procurement contracts, commitments 
for the sale of product and pipeline, terminalling, storage and shipping arrangements. 

If there is negative publicity concerning our brand names or the brand names of our suppliers, fuel and merchandise sales in our retail 
segment may suffer.

Negative publicity, regardless of whether the concerns are valid, concerning food, beverage, fuel or other product quality, food, beverage or other 
product safety or other health concerns, facilities, employee relations or other matters may materially and adversely affect demand for products 
offered at our stores and could result in a decrease in customer traffic to our stores. We offer food products in our stores that are marketed under 
our brand names and certain nationally recognized brands. These nationally recognized brands have significant operations at facilities owned 
and operated by third parties and negative publicity concerning these brands as a result of events that occur at facilities that we do not control 
could also adversely affect customer traffic to our stores. Additionally, we may be the subject of complaints or litigation arising from food or 
beverage-related illness or injury in general which could have a negative impact on our business. Health concerns, poor food, beverage, fuel or 
other product quality or operating issues stemming from one store or a limited number of stores can materially and adversely affect the operating 
results of some or all of our stores and harm our proprietary brands.

Wholesale  cost  increases,  vendor  pricing  programs  and  tax  increases  applicable  to  tobacco  products,  as  well  as  campaigns  to 
discourage their use, could adversely impact our results of operations in our retail segment.

Increases in the retail price of tobacco products as a result of increased taxes or wholesale costs could materially impact our cigarette sales 
volume and/or revenues, merchandise gross profit and overall customer traffic. Cigarettes are subject to substantial and increasing excise taxes 
at both a state and federal level. In addition, national and local campaigns to discourage the use of tobacco products may have an adverse effect 
on demand for these products. A reduction in cigarette sales volume and/or revenues, merchandise gross profit from tobacco products or overall 
customer demand for tobacco products could have a material adverse effect on the business, financial condition and results of operations of our 
retail segment.

In addition, major cigarette manufacturers currently offer substantial rebates to us; however, there can be no assurance that such rebate programs 

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Risk Factors

will continue. We include these rebates as a component of our gross margin from sales of cigarettes. In the event these rebates are decreased 
or eliminated, or we fail to earn the rebates, our wholesale cigarette costs will increase. For example, certain major cigarette manufacturers have 
offered rebate programs that provide rebates only if we follow the manufacturer's retail pricing guidelines. If we do not receive the rebates, because 
we do not participate in the program or if the rebates we receive by participating in the program do not offset or surpass the revenue lost as a 
result of complying with the manufacturer's pricing guidelines, our cigarette gross margin will be adversely impacted. In general, we attempt to 
pass wholesale price increases on to our customers. However, competitive pressures in our markets may adversely impact our ability to do so. 
In addition, reduced retail display allowances on cigarettes offered by cigarette manufacturers negatively impact gross margins. These factors 
could materially impact our retail price of cigarettes, cigarette sales volume and/or revenues, merchandise gross profit and overall customer traffic, 
which could in turn have a material adverse effect on our business, financial condition and results of operations.

Our insurance policies do not cover all losses, costs or liabilities that we may experience, and insurance companies that currently insure 
companies in the energy industry may cease to do so or substantially increase premiums.

We carry property, business interruption, pollution, casualty and cyber insurance, but we do not maintain insurance coverage against all potential 
losses, costs or liabilities.  We could suffer losses for uninsurable, or uninsured, risks or in amounts in excess of existing insurance coverage.  In 
addition, we purchase insurance programs with large self-insured retentions and large deductibles.  For example, we retain a short period of our 
business interruption losses.  Therefore, a significant part, or all, of a business interruption loss or other types of loss could be retained by us.  The 
occurrence of a loss that is retained by us, or not fully covered by insurance, could have a material adverse effect on our business, financial 
condition and results of operations.

The energy industry is highly capital intensive, and the entire or partial loss of individual facilities or multiple facilities can result in significant costs 
to both energy industry companies, such as us, and their insurance carriers.  Historically, large energy industry claims have resulted in significant 
increases in the level of premium costs and deductible periods for participants in the energy industry.  For example, hurricanes have caused 
significant damage to energy companies operating along the Gulf Coast, in addition to numerous oil and gas production facilities and pipelines in 
that region.  Insurance companies that have historically participated in underwriting energy-related risks may discontinue that practice, may reduce 
the insurance capacity they are willing to offer or demand significantly higher premiums or deductible periods to cover these risks.  If significant 
changes in the number, or financial solvency, of insurance underwriters available to the energy industry occur, or if other adverse conditions over 
which we have no control prevail in the insurance market, we may be unable to obtain and maintain adequate insurance at reasonable cost.

In addition, we cannot assure that our insurers will renew our insurance coverage on acceptable terms, if at all, or that we will be able to arrange 
for adequate alternative coverage in the event of non-renewal.  The unavailability of full insurance coverage to cover events in which we suffer 
significant losses could have a material adverse effect on our business, financial condition and results of operations.

We may not be able to successfully execute our strategy of growth through acquisitions.

A significant part of our growth strategy is to acquire assets, such as refineries, pipelines, terminals, and retail fuel and convenience stores that 
complement our existing assets and/or broaden our geographic presence.  If attractive opportunities arise, we may also acquire assets in new 
lines of business that are complementary to our existing businesses.  In the past we have acquired refineries, and we have developed our logistics 
segment through the acquisition of transportation and marketing assets.  We expect to continue to acquire assets that complement our existing 
assets and/or broaden our geographic presence as a major element of our growth strategy.  However, the occurrence of any of the following factors 
could adversely affect our growth strategy:

•  We may not be able to identify suitable acquisition candidates or acquire additional assets on favorable terms;

•  We usually compete with others to acquire assets, which competition may increase, and any level of competition could result in decreased 

availability or increased prices for acquisition candidates;

•  We may experience difficulty in anticipating the timing and availability of acquisition candidates;

•  We may not be able to obtain the necessary financing, on favorable terms or at all, to finance any of our potential acquisitions; and

• 

As a public company, we are subject to reporting obligations, internal controls and other accounting requirements with respect to any business 
we acquire, which may prevent or negatively affect the valuation of some acquisitions we might otherwise deem favorable or increase our 
acquisition costs. 

Acquisitions involve risks that could cause our actual growth or operating results to differ adversely compared with our expectations.

Due to our emphasis on growth through acquisitions, we are particularly susceptible to transactional risks that could cause our actual growth or 
operating results to differ adversely compared with our expectations.  For example:

during the acquisition process, we may fail, or be unable, to discover some of the liabilities of companies or businesses that we acquire;

we may assume contracts or other obligations in connection with particular acquisitions on terms that are less favorable or desirable than the 
terms that we would expect to obtain if we negotiated the contracts or other obligations directly;

we may fail to successfully integrate or manage acquired assets;

• 

• 

• 

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Risk Factors

• 

• 

• 

• 

• 

• 

acquired assets may not perform as we expect, or we may not be able to obtain the cost savings and financial improvements we anticipate;

acquisitions may require us to incur additional debt or issue additional equity;

acquired assets may suffer a diminishment in fair value as a result of which we may need to record a write-down or impairment;

we may fail to grow our existing systems, financial controls, information systems, management resources and human resources in a manner 
that effectively supports our growth;

to the extent that we acquire assets in new lines of business, we may become subject to additional regulatory requirements and additional 
risks that are characteristic or typical of these lines of business; and

to the extent that we acquire equity interests in entities that control assets (rather than acquiring the assets directly), we may become subject 
to liabilities that predate our ownership and control of the assets. 

The occurrence of any of these factors could materially and adversely affect our business, financial condition or results of operations.

Our future results will suffer if we do not effectively manage our expanded operations.

The size and scope of operations of our business have increased. In addition, we may continue to expand our size and operations through 
additional acquisitions or other strategic transactions. Our future success depends, in part, upon our ability to manage our expanded business, 
which may pose substantial challenges for management, including challenges related to the management and monitoring of new operations 
including, without limitation, integrating new operations with those of our existing business, managing the increased scope or geographic diversity 
of our expanded business, and associated increased costs and complexity. There can be no assurance that we will be successful, or that we will 
realize the expected economies of scale, synergies and other benefits anticipated from any additional acquisitions or strategic transactions.

We may incur significant costs and liabilities with respect to investigation and remediation of environmental conditions at our facilities.

Prior to our purchase of our refineries, pipelines, terminals and other facilities, the previous owners had been engaged for many years in the 
investigation and remediation of hydrocarbons and other materials which contaminated soil and groundwater.  Upon purchase of the facilities, we 
became responsible and liable for certain costs associated with the continued investigation and remediation of known and unknown impacted 
areas at the facilities.  In the future, it may be necessary to conduct further assessments and remediation efforts at impacted areas at our facilities 
and elsewhere.  In addition, we have identified and self-reported certain other environmental matters subsequent to our purchase of our facilities.

Based upon environmental evaluations performed internally and by third parties, we recorded and periodically update environmental liabilities and 
accrued amounts we believe are sufficient to complete remediation.  We expect remediation at some properties to continue for the foreseeable 
future.  The need to make future expenditures for these purposes that exceed the amounts we estimated and accrued for could have a material 
adverse effect on our business, financial condition and results of operations.

In addition, Alon indemnified certain parties, to which they sold assets, for costs and liabilities that may be incurred as a result of environmental 
conditions existing at the time of such sales. As a result of our purchase of Alon, if we are forced to incur costs or pay liabilities in connection with 
these indemnification obligations, such costs and payments could be significant.

In the future, we may incur substantial expenditures for investigation or remediation of contamination that has not been discovered at our current 
or former locations or locations that we may acquire, or at third party sites where hazardous substances from these locations have been treated 
or disposed.  Our handling and storage of petroleum and hazardous substances may lead to additional contamination at our facilities or along our 
pipelines and at facilities to which we send or have sent wastes or by-products for treatment or disposal. In addition, new legal requirements, new 
interpretations of existing legal requirements, increased legislative activity and governmental enforcement and other developments could require 
us to make additional unforeseen expenditures. As a result, we may be subject to additional investigation and remediation costs, governmental 
penalties and third-party suits alleging personal injury and property damage. Liabilities for future remediation costs are recorded when environmental 
assessments and/or remedial efforts are probable and costs can be reasonably estimated as material.  Other than for assessments, the timing 
and magnitude of these accruals generally are based on the completion of investigations or other studies or a commitment to a formal plan of 
action.

We could incur substantial costs or disruptions in our business if we cannot obtain or maintain necessary permits and authorizations 
or otherwise comply with health, safety, environmental and other laws and regulations.

Our operations require numerous permits and authorizations under various laws and regulations.  These authorizations and permits are subject 
to revocation, renewal or modification, and can require operational changes to limit impacts or potential impacts on the environment and/or health 
and safety.  A violation of authorization or permit conditions or other legal or regulatory requirements could result in substantial fines, criminal 
sanctions, permit revocations, injunctions and/or facility shutdowns.  In addition, major modifications of our operations could require modifications 
to our existing permits or upgrades to our existing pollution control equipment.  Any, or all, of these matters could have a negative effect on our 
business, results of operations and cash flows.

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Risk Factors

Our Tyler refinery currently primarily distributes refined petroleum products via truck or rail. We do not have the ability to distribute 
these products into markets outside our local market via pipeline. 

In recent years, we have expanded our refined product distribution capabilities in northeast Texas with our acquisition of refined product terminals 
in Big Sandy and Mt. Pleasant, Texas and through the use of transloading facilities enabling the shipment of products by rail to distant markets, 
including Mexico. However, unlike most refineries, the Tyler refinery currently has limited ability to distribute refined products outside its local market 
in northeast Texas due to a lack of pipeline assets connecting the facility to other markets. This limited ability may limit the refinery’s ability to 
increase the production of petroleum products, attract new customers for its refined petroleum products or increase sales of products from the 
refinery. In addition, if demand for petroleum products diminishes in northeast Texas, the refinery may be required to reduce production levels and 
our financial results may be adversely affected.

An increase in competition, and/or reduction in demand in the markets in which we purchase feedstocks and sell our refined products, 
could increase our costs and/or lower prices and adversely affect our sales and profitability.

Certain of our refineries operate in localized or niche markets. If competitors commence operations within these niche markets, we could lose our 
niche market advantage, which could have a material adverse effect on our business, financial condition and results of operations. Additionally, 
where feedstocks are purchased in a localized market, disruptions in supply channels could significantly impact our ability to meet production 
demands in those facilities. 

In addition, the maintenance, or replacement, of our existing customers depends on a number of factors outside of our control, including increased 
competition from other suppliers and demand for refined products in the markets we serve.  The market for distribution of wholesale motor fuel is 
highly competitive and fragmented.  Some of our competitors have significantly greater resources and name recognition than us.  The loss of major 
customers, or a reduction in amounts purchased by major customers, could have a material adverse effect on us to the extent that we are not able 
to correspondingly increase sales to other purchasers.

Compliance with and changes in tax laws could adversely affect our performance. 

We are subject to extensive tax liabilities, including federal and state income taxes and transactional taxes, such as excise, sales/use, payroll, 
franchise, withholding and ad valorem taxes.  New tax laws and regulations, and changes in existing tax laws and regulations, are continuously 
being enacted or proposed that could result in increased expenditures for tax liabilities in the future.  Certain of these liabilities are subject to 
periodic audits by the respective taxing authority, which could increase or otherwise alter our tax liabilities.  Subsequent changes to our tax liabilities 
as a result of these audits may also subject us to interest and penalties, and could have a material adverse effect on our business, financial condition 
and results of operations.

For example, the tax treatment of our logistics segment depends on its status as a partnership for federal income tax purposes.  If a change in 
law, our failure to comply with existing law or other factors were to cause our logistics segment to be treated as a corporation for federal income 
tax purposes, it would become subject to entity-level taxation.  As a result, our logistics segment would pay federal income tax on all of its taxable 
income at regular corporate income tax rates (subject to corporate alternative minimum tax for years ended prior to 2018), would likely pay additional 
state and local income taxes at varying rates, and distributions to unitholders, including us, would be generally treated as taxable dividends from 
a corporation.  In such case, the logistics segment would likely experience a material reduction in its anticipated cash flow and after-tax return to 
its unitholders, and we would likely experience a substantial reduction in its value.

On December 22, 2017, tax legislation commonly known as the Tax Cuts and Jobs Act ("Tax Reform Act") was enacted. In the absence of guidance 
on various uncertainties and ambiguities in the application of certain provisions of the Tax Reform Act, we will use what we believe are reasonable 
interpretations and assumptions in applying the Tax Reform Act, but it is possible that the IRS could issue subsequent guidance or take positions 
on audit that differ from our prior interpretations and assumptions, which could adversely impact our cash tax liabilities, results of operations, and 
financial condition.

Adverse weather conditions or other unforeseen developments could damage our facilities, reduce customer traffic and impair our 
ability to produce and deliver refined petroleum products or receive supplies for our retail fuel and convenience stores.

The regions in which we operate are susceptible to severe storms, including hurricanes, thunderstorms, tornadoes, floods, extended periods of 
rain, ice storms and snow, all of which we have experienced in the past few years.  Our facilities located in California and the related pipeline are 
located in areas with a history of earthquakes, some of which have been quite severe.  In addition, for a variety of reasons, many members of the 
scientific community believe that climate changes are occurring that could have significant physical effects, such as increased frequency and 
severity of storms, droughts and floods and other climatic events.  If any such effects were to occur, they could have an adverse effect on our 
assets and operations.

Inclement weather conditions, earthquakes or other unforeseen developments could damage our facilities, interrupt production, adversely impact 
consumer behavior, travel and retail fuel and convenience store traffic patterns or interrupt or impede our ability to operate our locations.  If such 
conditions prevail near our refineries, they could interrupt or undermine our ability to produce and transport products from our refineries and receive 
and distribute products at our terminals.  Regional occurrences, such as energy shortages or increases in energy prices, fires and other natural 
disasters, could also hurt our business.  The occurrence of any of these developments could have a material adverse effect on our business, 
financial condition and results of operations.

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Risk Factors

Our operating results are seasonal and generally lower in the first and fourth quarters of the year for our refining and logistics segments 
and in the first quarter of the year for our retail segment.  We depend on favorable weather conditions in the spring and summer months.

Demand for gasoline, convenience merchandise and asphalt products is generally higher during the summer months than during the winter months 
due to seasonal increases in motor vehicle traffic and road and home construction.  Varying vapor pressure requirements between the summer 
and winter months also tighten summer gasoline supply.  As a result, the operating results of our refining segment and logistics segment are 
generally lower for the first and fourth quarters of each year.  Seasonal fluctuations in traffic also affect sales of motor fuels and merchandise in 
our retail fuel and convenience stores. As a result, the operating results of our retail segment are generally lower for the first quarter of the year.

Weather conditions in our operating area also have a significant effect on our operating results in our retail segment. Customers are more likely 
to purchase more gasoline and higher profit margin items such as fast foods, fountain drinks and other beverages during the spring and summer 
months. Unfavorable weather conditions during these months and a resulting lack of the expected seasonal upswings in traffic and sales could 
have a material adverse effect on our business, financial condition and results of operations.

A substantial portion of the workforce at our refineries is unionized, and we may face labor disruptions that would interfere with our 
operations.

As of December 31, 2019, approximately 14.4% of our employees were represented by unions and/or covered by a collective bargaining agreement. 
None of our employees in our logistics segment, retail segment or in our corporate office are represented by a union.  We consider our relations 
with our employees to be satisfactory. Although the collective bargaining agreements contain provisions to discourage strikes or work stoppages, 
we cannot assure that strikes or work stoppages will not occur.  A strike or work stoppage could have a material adverse effect on our business, 
financial condition and results of operations.

We rely on information technology in our operations, and any material failure, inadequacy, interruption, cyber-attack or security failure 
of that technology could harm our business. 

We rely on information technology across our operations, including the control of our refinery processes, monitoring the movement of petroleum 
through our pipelines and terminals, the point of sale processing at our retail sites and various other processes and transactions. We utilize 
information  technology  systems  and  controls  throughout  our  operations  to  capture  accounting,  technical  and  regulatory  data  for  subsequent 
archiving, analysis and reporting. Disruption, failure, or cyber security breaches affecting or targeting our computer and telecommunications, our 
infrastructure, or the infrastructure of our cloud-based IT service providers may materially impact our business and operations. An undetected 
failure of these systems, because of power loss, unsuccessful transition to upgraded or replacement systems, unauthorized access or other cyber 
breach or attack could result in disruption to our business operations, access to or disclosure or loss of data and/or proprietary information, personal 
injuries and environmental damage, which could have an adverse effect on our business, reputation, and effectiveness. We could also be subject 
to resulting investigation and remediation costs as well as regulatory enforcement of private litigation and related costs, which could have a material 
adverse impact on our cash flow and results of operations.

We rely on commercially available systems, software, tools and monitoring to provide security for processing, transmission and storage of confidential 
customer information, such as payment card and personal credit information.

In addition, the systems currently used for transmission and approval of payment card transactions, and the technology utilized in payment cards 
themselves, may put certain payment card data at risk. These standards for determining the required controls applicable to these systems are 
mandated by credit card issuers and administered by the Payment Card Industry Security Standards Counsel and not by us. The regulatory 
environment surrounding information security and privacy is increasingly demanding, with the frequent imposition of new and constantly changing 
requirements. We have taken the necessary steps to comply with the Payment Card Industry Data Security Standards (PCI-DSS) at all of our 
locations. However, compliance with these requirements may result in cost increases due to necessary systems changes and the development of 
new administrative processes.

In recent years, several retailers have experienced data breaches, resulting in the exposure of sensitive customer data, including payment card 
information. A breach could also originate from, or compromise, our customers' and vendors' or other third-party networks outside of our control.  
Any compromise or breach of our information and payment technology systems could cause interruptions in our operations, damage our reputation, 
reduce our customers' willingness to visit our sites and conduct business with them, or expose us to litigation from customers or sanctions for 
violations of the PCI-DSS. In addition, a compromise of our internal data network at any of our refining or terminal locations may have disruptive 
impacts similar to that of our retail operations. These disruptions could range from inconvenience in accessing business information to a disruption 
in our refining operations. 

Despite our security measures, we experience attempts by external parties to penetrate and attack our networks and systems. Although such 
attempts to date have not, to our knowledge, resulted in any material breaches, disruptions, or loss of business-critical information, our systems 
and procedures for protecting against such attacks and mitigating such risks may prove to be insufficient in the future and such attacks could have 
an adverse impact on our business and operations, including damage to our reputation and competitiveness, remediation costs, litigation or 
regulatory actions. In addition, as technologies evolve, and cyber-attacks become more sophisticated, we may incur significant costs to upgrade 
or enhance our security measures to protect against such attacks and we may face difficulties in fully anticipating or implementing adequate 
preventive measures or mitigating potential harm. We could also be liable under laws that protect the privacy of personal information, subject to 

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Risk Factors

regulatory penalties, experience damage to our reputation or a loss of consumer confidence, or incur additional costs for remediation and modification 
or enhancement of our information systems to prevent future occurrences, all of which could adversely affect our reputation, business, operations 
or financial results.

If we lose any of our key personnel, our ability to manage our business and continue our growth could be negatively impacted.

Our future performance depends to a significant degree upon the continued contributions of our senior management team and key technical 
personnel.  We do not currently maintain key person life insurance policies for any of our senior management team.  The loss or unavailability to 
us of any member of our senior management team or a key technical employee could significantly harm us.  We face competition for these 
professionals from our competitors, our customers and other companies operating in our industry.  To the extent that the services of members of 
our senior management team and key technical personnel would be unavailable to us for any reason, we would be required to hire other personnel 
to manage and operate our company and to develop our products and technology.  We cannot assure that we would be able to locate or employ 
such qualified personnel on acceptable terms or at all.

If we are, or become, a United States real property holding corporation, special tax rules may apply to a sale, exchange or other disposition 
of common stock, and non-U.S. holders may be less inclined to invest in our stock, as they may be subject to United States federal 
income tax in certain situations.

A non-U.S. holder of our common stock may be subject to United States federal income tax with respect to gain recognized on the sale, exchange 
or other disposition of our common stock if we are, or were, a "U.S. real property holding corporation" ("USRPHC") at any time during the shorter 
of the five-year period ending on the date of the sale or other disposition and the period such non-U.S. holder held our common stock (the shorter 
period referred to as the "lookback period").  In general, we would be a USRPHC if the fair market value of our "U.S. real property interests," as 
such term is defined for United States federal income tax purposes, equals or exceeds 50% of the sum of the fair market value of our worldwide 
real property interests and our other assets used or held for use in a trade or business.  The test for determining USRPHC status is applied on 
certain specific determination dates and is dependent upon a number of factors, some of which are beyond our control (including, for example, 
fluctuations in the value of our assets).  If we are or become a USRPHC, so long as our common stock is regularly traded on an established 
securities market such as the NYSE, only a non-U.S. holder who, actually or constructively, holds or held during the lookback period more than 
five percent of our common stock will be subject to United States federal income tax on the disposition of our common stock.

Loss of or reductions to tax incentives for biodiesel production may have a material adverse effect on earnings, profitability and cash 
flows relating to our renewable fuels facilities. 

The biodiesel industry has historically been substantially aided by federal and state tax incentives.  One tax incentive program that has been 
significant to our renewable fuels facilities is the federal blender's tax credit.  The blender's tax credit (or biodiesel tax credit) provides a $1.00 
refundable tax credit per gallon of pure biodiesel, or B100, to the first blender of biodiesel with petroleum-based diesel fuel.  The blender's tax 
credit has expired on several occasions, only to be reinstated on a retroactive basis.  The blender's tax credit was re-enacted in December 2019 
for the years 2020 through 2022 and was retroactively reinstated for 2018 and 2019. Previously, the blender's tax credit expired on December 31, 
2016, but was retroactively reinstated during the first quarter of 2018 to extend through December 31, 2017.  See Note 4 of the consolidated 
financial statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K for further information 
regarding the extension of this tax credit.  

It is uncertain what action, if any, Congress may take with respect to reinstating the blender's tax credit beyond 2022 or when such action might 
be effective.  If Congress does not reinstate the credit for future years, it may result in a material adverse effect on the earnings, profitability and 
cash flows relating to our renewable fuels facilities. 

Risks Related to Ownership of Our Common Stock

The price of our common stock may fluctuate significantly, and you could lose all or part of your investment.

The market price of our common stock may be influenced by many factors, some of which may be beyond our control, including:

our quarterly or annual earnings, or those of other companies in our industry;

inaccuracies in, and changes to, our previously published quarterly or annual earnings;

changes in accounting standards, policies, guidance, interpretations or principles;

economic conditions within our industry, as well as general economic and stock market conditions;

the failure of securities analysts to cover our common stock, or the cessation of such coverage;

changes in financial estimates by securities analysts and the frequency and accuracy of such reports;

future issuance or sales of our common stock;

announcements by us or our competitors of significant contracts or acquisitions;

sales of common stock by our senior officers or our affiliates; and

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Risk Factors

• 

the other factors described in these "Risk Factors."

In recent years, the stock market in general, and the market for energy companies in particular, has experienced extreme price  and volume 
fluctuations that have often been unrelated or disproportionate to the operating performance of those companies.  This volatility has had a significant 
impact on the market price of securities issued by many companies, including companies in our industry.  The trading price of Delek common stock 
and, prior to the Delek/Alon Merger, Old Delek common stock, has been volatile over the past three years.  The changes often occur without any 
apparent regard to the operating performance of these companies, and these fluctuations could materially reduce our stock price. 

Stockholder activism may negatively impact the price of our common stock.

Our stockholders may from time to time engage in proxy solicitations, advance stockholder proposals or otherwise attempt to effect changes or 
acquire control over us.  Campaigns by stockholders to effect changes at publicly traded companies are sometimes led by investors seeking to 
increase short-term stockholder value through actions such as financial restructuring, increased debt, special dividends, stock repurchases or 
sales of assets or the entire company.  Responding to proxy contests and other actions by activist stockholders can be costly and time-consuming, 
disrupting our operations and diverting the attention of our Board of Directors and senior management from the pursuit of business strategies.  As 
a result, stockholder campaigns could adversely affect our results of operations, financial condition and cash flows.

Future sales of shares of our common stock could depress the price of our common stock, and could result in substantial dilution to 
our stockholders.

We may sell securities in the public or private equity markets, regardless of our need for capital, and even when conditions are not otherwise 
favorable.  The market price of our common stock could decline as a result of the introduction of a large number of shares of our common stock 
into the market or the perception that these sales could occur.  Sales of a large number of shares of our common stock, or the possibility that these 
sales may occur, also might make it more difficult for us to sell equity securities in the future at a time and at a price that we deem appropriate.

Our stockholders will suffer dilution if we issue currently unissued shares of our stock or sell our treasury holdings in the future.  Our stockholders 
will also suffer dilution as stock, restricted stock units, stock options, stock appreciation rights, warrants or other equity awards, whether currently 
outstanding or subsequently granted, are exercised.

We depend upon our subsidiaries for cash to meet our obligations and pay any dividends.

We are a holding company.  Our subsidiaries conduct substantially all of our operations and own substantially all of our assets.  Consequently, our 
cash flow and our ability to meet our obligations or pay dividends to our stockholders depend upon the cash flow of our subsidiaries and the payment 
of funds by our subsidiaries to us in the form of dividends, distributions, tax sharing payments or otherwise.  Our subsidiaries' ability to make any 
payments will depend on many factors, including their earnings, cash flows, the terms of any applicable credit facilities, tax considerations and 
legal restrictions.

We may be unable to pay future regular dividends in the anticipated amounts and frequency set forth herein.

We will only be able to pay regular dividends from our available cash on hand and funds received from our subsidiaries.  Our ability to receive 
dividends and other cash payments from our subsidiaries may be restricted under the terms of any applicable credit facilities.  For example, under 
the terms of their credit facilities, Delek Logistics and its subsidiaries are subject to certain customary covenants that limit their ability to, subject 
to certain exceptions as defined in their respective credit agreements, remit cash to, distribute assets to, or make investments in us as the parent 
company.  Specifically, these covenants limit the payment, in the form of cash or other assets, of dividends or other cash payments to us.  The 
declaration of future regular dividends on our common stock will be at the discretion of our Board of Directors and will depend upon many factors, 
including our results of operations, financial condition, earnings, capital requirements, restrictions in our debt agreements and legal requirements.  
Although we currently intend to pay regular quarterly cash dividends on our common stock, we cannot provide any assurances that any regular 
dividends will be paid in the anticipated amounts and frequency set forth herein, if at all.

Provisions  of  Delaware  law  and  our  organizational  documents  may  discourage  takeovers  and  business  combinations  that  our 
stockholders may consider in their best interests, which could negatively affect our stock price.

Provisions of Delaware law, our Amended and Restated Certificate of Incorporation and our Amended and Restated Bylaws may have the effect 
of delaying or preventing a change in control of our company or deterring tender offers for our common stock that other stockholders may consider 
in their best interests.  For example, our Amended and Restated Certificate of Incorporation provides that:

• 

stockholder actions may only be taken at annual or special meetings of stockholders;

•  members of our Board of Directors can be removed with or without cause by a supermajority vote of stockholders;

the Court of Chancery of the State of Delaware is, with certain exceptions, the exclusive forum for certain legal actions;

our bylaws, as may be in effect from time to time, can be amended only by a supermajority vote of stockholders; and

certain provisions of our certificate of incorporation, as may be in effect from time to time, can be amended only by a supermajority vote of 
stockholders.

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Risk Factors

In addition, our Amended and Restated Certificate of Incorporation authorizes us to issue up to 10,000,000 shares of preferred stock in one or 
more different series, with terms to be fixed by our Board of Directors.  Stockholder approval is not necessary to issue preferred stock in this 
manner.  Issuance of these shares of preferred stock could have the effect of making it more difficult and more expensive for a person or group to 
acquire control of us and could effectively be used as an anti-takeover device.  On the date of this report, no shares of our preferred stock are 
outstanding.

Finally, our Amended and Restated Bylaws provide for an advance notice procedure for stockholders to nominate director candidates for election 
or to bring business before an annual meeting of stockholders and require that special meetings of stockholders be called only by our chairman 
of the Board of Directors, president or secretary after written request of a majority of our Board of Directors.  The advance notice provision requires 
disclosure of derivative positions, hedging transactions, short interests, rights to dividends and other similar positions of any stockholder proposing 
a director nomination, in order to promote full disclosure of such stockholder's economic interest in us.

The anti-takeover provisions of Delaware law and provisions in our organizational documents may prevent our stockholders from receiving the 
benefit from any premium to the market price of our common stock offered by a bidder in a takeover context.  Even in the absence of a takeover 
attempt, the existence of these provisions may adversely affect the prevailing market price of our common stock if they are viewed as discouraging 
takeover attempts in the future.

Financial Instrument and Credit Profile Risks

Changes in our credit profile could affect our relationships with our suppliers, which could have a material adverse effect on our liquidity 
and our ability to operate our refineries at full capacity.

Changes in our credit profile could affect the way crude oil, feedstock and refined product suppliers view our ability to make payments.  As a 
result, suppliers could shorten the payment terms of their invoices with us, or require us to provide significant collateral to them that we do not 
currently provide.  Due to the large dollar amounts and volume of our crude oil and other petroleum product purchases, as well as the historical 
volatility of crude oil pricing, any imposition by our suppliers of more burdensome payment terms, or collateral requirements, may have a material 
adverse effect on our liquidity and our ability to make payments to our suppliers.  This, in turn, could cause us to be unable to operate our refineries 
at desired capacities.  A failure to operate our refineries at desired capacities could adversely affect our profitability and cash flows.

Our commodity and interest rate derivative activity may limit potential gains, increase potential losses, result in earnings volatility and 
involve other risks.

At times, we enter into commodity derivative contracts to manage our price exposure to our inventory positions, future purchases of crude oil, 
ethanol and other feedstocks, future sales of refined products, manage our RINs exposure or to secure margins on future production.  At times 
we also enter into interest rate swap and cap agreements to manage our market exposure to changes in interest rates related to our floating rate 
borrowings.  We expect to continue to enter into these types of transactions from time to time and have increased our use of commodity risk 
management activities in recent years.

While these transactions are intended to limit our exposure to the adverse effects of fluctuations in crude oil prices, refined products prices, RIN 
prices and interest rates, they may also limit our ability to benefit from favorable changes in market conditions, and may subject us to period-by-
period earnings volatility in the instances where we do not seek hedge accounting for these transactions. Further, depending on the volume of 
commodity derivative activity as compared to our actual use of crude oil, production of refined products or total RINs exposure, our risk management 
activity may only partially limit our exposure to market volatility.  Also, in connection with such derivative transactions, we may be required to 
make cash payments or provide letters of credit to maintain margin accounts and to settle the contracts at their value upon termination.  Finally, 
this activity exposes us to potential risk of counterparties to our derivative contracts failing to perform under the contracts. As a result, the 
effectiveness of our risk management policies could have a material adverse impact on our business, results of operations and cash flows.  For 
additional information about the nature and volume of these transactions, see Item 7A, Quantitative and Qualitative Disclosures about Market 
Risk, of this Annual Report on Form 10-K.

Additionally, it continues to be a strategic and operational objective to manage supply risk related to crude oil that is used in refinery production, 
and to develop strategic sourcing relationships. For that purpose, we often enter into purchase and sale contracts with vendors and customers 
or take financial commodity positions for crude oil that may not be used immediately in production, but that may be used to manage the overall 
supply and availability of crude expected to ultimately be needed for production and/or to meet minimum requirements under strategic pipeline 
arrangements, and also to optimize and hedge availability risks associated with crude that we ultimately expect to use in production. Such 
transactions are inherently based on certain assumptions and judgments made about the current and possible future availability of crude. Therefore, 
when we take physical or financial positions for optimization purposes, our intent is generally to take offsetting positions in quantities and at prices 
that will advance these objectives while minimizing our positional and financial statement risk. However, because of the volatility of the market 
in terms of pricing and availability, it is possible that we may have material positions with timing differences or, more rarely, that we are unable to 
cover a position with an offsetting position as intended. Also, in connection with such transactions, we may be required to make cash payments 
or provide letters of credit to maintain margin accounts and to settle the contracts at their value upon termination. Finally, this activity exposes us 
to potential risk of counterparties to our derivative contracts failing to perform under the contracts. 

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Risk Factors

As a result of the risks described above, the effectiveness of our risk management policies over these types of transactions and positions could 
have a material adverse impact on our business, results of operations and cash flows.  For additional information about the nature and volume 
of these transactions, see Item 7A, Quantitative and Qualitative Disclosures about Market Risk, of this Annual Report on Form 10-K and in Note 
12 of our consolidated financial statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-
K.

We are exposed to certain counterparty risks which may adversely impact our results of operations.

We evaluate the creditworthiness of each of our various counterparties, but we may not always be able to fully anticipate or detect deterioration 
in a counterparty's creditworthiness and overall financial condition.  The deterioration of creditworthiness or overall financial condition of a material 
counterparty (or counterparties) could expose us to an increased risk of nonpayment or other default under our contracts with them.  If a material 
counterparty (or counterparties) defaults on their obligations to us, this could materially adversely affect our financial condition, results of operations 
or cash flows.  For example, under the terms of the supply and offtake agreements with J. Aron, we grant J. Aron the exclusive right to store and 
withdraw crude and certain products in the tanks associated with the El Dorado, Big Spring and Krotz Springs refineries.  These agreements also 
provide that the ownership of substantially all crude oil and certain other refined products in the tanks associated with these refineries will be 
retained by J. Aron, and that J. Aron will purchase substantially all of the specified refined products processed at these refineries.  An adverse 
change in J. Aron's business, results of operations, liquidity or financial condition could adversely affect its ability to timely discharge its obligations 
to us, which could consequently have a material adverse effect on our business, results of operations or liquidity.

From time to time, our cash and credit needs may exceed our internally generated cash flow and available credit, and our business 
could be materially and adversely affected if we are not able to obtain the necessary cash or credit from financing sources.

We have significant short-term cash needs to satisfy working capital requirements, such as crude oil purchases which fluctuate with the pricing 
and sourcing of crude oil.  We rely in part on our access to credit to purchase crude oil for our refineries.  If the price of crude oil increases 
significantly, we may not have sufficient available credit, and may not be able to sufficiently increase such availability, under our existing credit 
facilities or other arrangements, to purchase enough crude oil to operate our refineries at desired capacities.  Our failure to operate our refineries 
at desired capacities could have a material adverse effect on our business, financial condition and results of operations.  We also have significant 
long-term needs for cash, including any capital expenditures for growth projects, sustaining maintenance, as well as projects necessary for 
regulatory compliance.

Depending on the conditions in the credit markets, it may become more difficult to obtain cash or credit from third-party sources.  If we cannot 
generate cash flow or otherwise secure sufficient liquidity to support our short-term and long-term capital requirements, we may not be able to 
comply with regulatory deadlines or pursue our business strategies, in which case our operations may not perform as well as we currently expect.

Our debt levels may limit our flexibility in obtaining additional financing and in pursuing other business opportunities.

As of December 31, 2019, we had total debt of $2,067.1 million, including current maturities of $36.4 million.  In addition to our outstanding debt, 
as of December 31, 2019, our letters of credit issued under our various credit facilities were $309.8 million.  Our borrowing availability under our 
various credit facilities as of December 31, 2019 was $921.8 million.

Our level of debt could have important consequences for us.  For example, it could:

• 

• 

• 

• 

• 

• 

increase our vulnerability to general adverse economic and industry conditions;

require us to dedicate a substantial portion of our cash flow from operations to service our debt and lease obligations, thereby reducing the 
availability of our cash flow to fund working capital, capital expenditures and other general corporate purposes;

limit our flexibility in planning for, or reacting to, changes in our business and the industry in which we operate;

place us at a disadvantage relative to our competitors that have less indebtedness or better access to capital by, for example, limiting our 
ability to enter into new markets, upgrade our fixed assets or pursue acquisitions or other business opportunities;

limit our ability to borrow additional funds in the future; and

increase interest costs for our borrowed funds and letters of credit.

In addition, a substantial portion of our debt has a variable rate of interest, which increases our exposure to interest rate fluctuations, to the extent 
we elect not to hedge such exposures.

If we are unable to meet our principal and interest obligations under our debt and lease agreements, we could be forced to restructure or refinance 
our obligations, seek additional equity financing or sell assets, which we may not be able to do on satisfactory terms or at all.  Our default on any 
of those agreements could have a material adverse effect on our business, financial condition and results of operations.  In addition, if new debt 
is added to our current debt levels, the related risks that we now face could intensify.

50 |

Our debt agreements contain operating and financial restrictions that might constrain our business and financing activities.

The operating and financial restrictions and covenants in our credit facilities and any future financing agreements could adversely affect our ability 
to finance future operations or capital needs or to engage in, expand or pursue our business activities.  For example, to varying degrees our credit 
facilities restrict our ability to:

Risk Factors

• 

• 

declare dividends and redeem or repurchase capital stock;

prepay, redeem or repurchase debt;

•  make loans and investments, issue guaranties and pledge assets;

• 

incur additional indebtedness or amend our debt and other material agreements;

•  make capital expenditures;

• 

• 

engage in mergers, acquisitions and asset sales; and

enter into certain intercompany arrangements or make certain intercompany payments, which in some instances could restrict our ability to 
use the assets, cash flows or earnings of one operating segment to support another operating segment or Holdings.

Other restrictive covenants require that we meet certain financial covenants, including leverage coverage, fixed charge coverage and net worth 
tests, as described in the applicable credit agreements.  In addition, the covenant requirements of our various credit agreements require us to 
make many subjective determinations pertaining to our compliance thereto and exercise good faith judgment in determining our compliance.

Our ability to comply with the covenants and restrictions contained in our debt instruments may be affected by events beyond our control, including 
prevailing economic, financial and industry conditions.  If market or other economic conditions deteriorate, our ability to comply with these covenants 
and restrictions may be impaired.  If we breach any of the restrictions or covenants in our debt agreements, a significant portion of our indebtedness 
may become immediately due and payable, and our lenders' commitments to make further loans to us may terminate.  We might not have, or be 
able to obtain, sufficient funds to make these immediate payments.  In addition, our obligations under our credit facilities are secured by substantially 
all of our assets.  If we are unable to timely repay our obligations under our credit facilities, the lenders could seek to foreclose on the assets, or 
we may be required to contribute additional capital to certain of our subsidiaries.  Any of these outcomes could have a material adverse effect on 
our business, financial condition and results of operations.

Fluctuations in interest rates could materially affect our financial results.

Because a significant portion of our debt bears interest at variable rates, increases in interest rates could materially increase our interest expense.  
The use of interest rate hedges, including of the types we have employed in the past, may not be effective at mitigating this risk. 

Further, the London Interbank Offered Rate (“LIBOR”) and certain other interest rate "benchmarks" are the subject of recent proposals for reform. 
These reforms may cause such benchmarks to perform differently than in the past or have other consequences which cannot be predicted. The 
United Kingdom’s Financial Conduct Authority, which regulates LIBOR, has publicly announced that it intends to discontinue the reporting of 
LIBOR rates after 2021. Certain of our agreements use LIBOR as a “benchmark” or “reference rate” for various terms. Some agreements contain 
an existing LIBOR alternative. Where there is not an alternative, we expect to replace the LIBOR benchmark with an alternative reference rate. 
While we do not expect the transition to an alternative rate to have a significant impact on our business or operations, it is possible that the 
move away from LIBOR could materially impact our borrowing costs on our variable rate indebtedness.

We may refinance a significant amount of indebtedness and otherwise require additional financing; we cannot guarantee that we will 
be able to obtain the necessary funds on favorable terms or at all.

We may elect to refinance certain of our indebtedness, even if not required to do so by the terms of such indebtedness. In addition, we may 
need, or want, to raise additional funds for our operations. We have been, and may continue to be, engaged in discussions with certain potential 
financing sources, which could provide a source of additional funds and liquidity for our operations. However, our ability to obtain such financing 
will depend on, among other factors, prevailing market conditions at the time of the proposed financing and other factors beyond our control. 
There is no assurance that we will be able to obtain additional financing on terms acceptable to us, or at all.

We recorded goodwill and other intangible assets that could become impaired and result in material non-cash charges to our results 
of operations in the future.

The Delek/Alon Merger has been accounted for as an acquisition, by us, of Alon in accordance with accounting principles generally accepted 
in the United States. Under the acquisition method of accounting, the assets and liabilities of Alon and its subsidiaries have been recorded, as 
of the completion of the Delek/Alon Merger, at their respective fair values. Under the acquisition method of accounting, the total purchase price 
has been allocated to Alon’s tangible assets and liabilities and identifiable intangible assets based on their estimated fair values as of the date 
of completion of the Delek/Alon Merger. The excess of the purchase price over those estimated fair values has been recorded as goodwill. To 
the extent the value of goodwill or intangibles becomes impaired, we may be required to incur material non-cash charges relating to such 
impairment. Our  financial condition and operating results may be significantly impacted from both the impairment and the underlying trends in 
the business that triggered the impairment.

51 |

ITEM 1B. UNRESOLVED STAFF COMMENTS

None. 

ITEM 3. LEGAL PROCEEDINGS 

In the ordinary conduct of our business, we are from time to time subject to lawsuits, investigations and claims, including, environmental claims 
and employee-related matters.

Although we cannot predict with certainty the ultimate resolution of lawsuits, investigations and claims asserted against us, including civil penalties 
or other enforcement actions, we do not believe that any currently pending legal proceeding or proceedings to which we are a party will have a 
material adverse effect on our business, financial condition or results of operations.

We are reporting the following proceedings to comply with SEC regulations which require disclosure of proceedings arising under federal, state 
or local provisions regulating the discharge of materials into the environment or protecting the environment, if we reasonably believe that such 
proceedings may result in monetary sanctions of $0.1 million or more. 

On July 13, 2018, the DOJ and the State of Arkansas filed a civil action against two of Delek Logistics’ wholly-owned subsidiaries, Delek Logistics 
Operating LLC and SALA Gathering Systems LLC, in the United States District Court for the Western District of Arkansas related to the Magnolia 
Release in 2013. In December 2018, Delek Logistics, the United States and the state of Arkansas reached an agreement to settle the claims related 
to the Magnolia Release abandoning the settlement payments totaling $2.2 million. On November 8, 2019, a consent decree was entered with the 
court and on November 18, 2019, final payments were made to the State of Arkansas in the amount of $0.6 million and to the DOJ in the amount 
of $1.7 million, which amounts include nominal interest.

ITEM 4. MINE SAFETY DISCLOSURES

Not applicable.

52 |

Market for Equity, Stockholder Matters, and Purchase of Equity Securities

PART II

ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER 
PURCHASES OF EQUITY SECURITIES

Market Information

Our common stock is traded on the New York Stock Exchange under the symbol "DK." 

Holders

As of February 21, 2020, there were approximately 25 common stockholders of record. This number does not include beneficial owners of our 
common stock whose stock is held in nominee or "street name" accounts through brokers.

Purchases of Equity Securities by the Issuer and Affiliated Purchasers

The following table sets forth information with respect to the purchase of shares of our common stock made during the three months ended 
December 31, 2019 by or on behalf of us or any “affiliated purchaser,” as defined by Rule 10b-18 of the Exchange Act:

Period

October 1 - October 31, 2019

November 1 - November 30, 2019

December 1 - December 31, 2019

Total

Total Number of
Shares Purchased

Average Price
Paid per Share

Total Number of 
Shares Purchased 
as Part of Publicly 
Announced Plans 
or Programs (1)

Approximate Dollar 
Value of Shares that 
May Yet Be Purchased 
Under the Plans 
or Programs

60,810

$

229,093

573,555

863,458

$

36.54

36.80

34.19

35.05

60,810

$

229,093

573,555

863,458

259,723,583

251,292,580

231,685,024

N/A

(1)  On November 6, 2018, the Board of Directors authorized the repurchase of $500.0 million of Delek common stock. This authorization has no expiration. Any share repurchases 
under the repurchase program may be implemented through open market transactions or in privately negotiated transactions, in accordance with applicable securities laws. The 
timing, price, and size of repurchases will be made at the discretion of management and will depend on prevailing market prices, general economic and market conditions and 
other considerations. The repurchase program does not obligate us to acquire any particular amount of stock and does not expire.

For comparative purposes, we have provided the three-year history of share repurchases in the following table:

Repurchases on
December 29, 2016
Authorization

Repurchases on
February 2018
Authorization

Repurchases on
November 2018
Authorization

Period

Share
Repurchase
Authorization

Shares
Repurchased

Average
Price
Paid per
Share

Shares
Repurchased

Average
Price
Paid per
Share

Shares
Repurchased

Average
Price
Paid per
Share

Share Repurchases Authorized as of December 31, 2016

150,000,000

2017 Repurchases

(24,999,985)

762,623

$ 32.78

Share Repurchases Authorized as of December 31, 2017

Repurchases Authorized February 2018

Repurchases Authorized November 2018

2018 Repurchases

125,000,015

150,000,000

500,000,000

(365,277,607)

3,135,942

$ 39.86

3,449,260

$ 43.49

2,437,184

$ 37.04

Share Repurchases Authorized as of December 31, 2018

2019 Repurchases

409,722,408

(178,037,384)

Share Repurchases Authorized as of December 31, 2019

$ 231,685,024

5,039,034

$ 35.33

53 |

Market for Equity, Stockholder Matters, and Purchase of Equity Securities

Performance Graph

The following Performance Graph and related information shall not be deemed "soliciting material" or to be "filed" with the SEC, nor shall such 
information be incorporated by reference into any future filing under the Securities Act of 1933 or Securities Exchange Act of 1934, each as 
amended, except to the extent that we specifically incorporate it by reference into such filing.

The following graph compares cumulative total returns for our stockholders to the Standard and Poor's 500 Stock Index and a market capitalization 
weighted peer group selected by management for the five-year period commencing December 31, 2014 and ending December 31, 2019. The 
graph assumes a $100 investment made on December 31, 2014. Each of the three measures of cumulative total return assumes reinvestment 
of dividends. The 2019 peer group is comprised of CVR Energy, Inc. (NYSE: CVI), HollyFrontier Corporation (NYSE: HFC), Marathon Petroleum 
Corporation (NYSE: MPC), PBF Energy, Inc. (NYSE: PBF), Phillips 66 (NYSE: PSX), and Valero Energy Corporation (NYSE: VLO). The stock 
performance shown on the graph below is not necessarily indicative of future price performance.

54 |

ITEM 6. SELECTED FINANCIAL DATA

The following selected financial data should be read in conjunction with Item 7, Management's Discussion and Analysis of Financial Condition and 
Results of Operations, and Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K.

Selected Financial Data

2019

Year Ended December 31,
2017(3)

2016

2018(1)(2)

2015(4)

Statement of Operations Data:
Net revenues
Income from continuing operations before income tax

expense

Income tax expense (benefit)
Income from continuing operations, net of tax
Income (loss) from discontinued operations, net of tax
Net income
Net income attributed to non-controlling interests
Net income attributable to Delek

Total basic income per share

Total diluted income per share

Dividends declared per common share outstanding

Balance Sheet Data:
Cash and cash equivalents

Total current assets

Total assets

Total current liabilities

Total debt, including current maturities

Total stockholders' equity

$

9,298.2

$ 10,233.1

$

7,267.1

$

4,197.9

$

4,782.0

402.7
71.7
331.0
5.2
336.2
25.6
310.6

4.10

4.06

1.14

$

$

$

$

485.5
101.9
383.6
(8.7)
374.9
34.8
340.1

4.11

3.95

0.96

$

$

$

$

299.3
(29.2)
328.5
(5.9)
322.6
33.8
288.8

4.04

4.00

0.60

$

$

$

$

(391.2)
(171.5)
(219.7)
86.3
(133.4)
20.3
(153.7) $

(2.49) $

(2.49) $

0.60

$

21.3
(15.8)
37.1
6.6
43.7
24.3
19.4

0.32

0.32

0.60

$

$

$

$

2019

2018(5)

$

955.3

$

2,963.3

7,016.3

2,355.9

2,067.1

1,835.3

1,079.3

2,420.3

5,760.6

1,663.5

1,783.3

1,808.1

December 31,
2017(3)
(In millions)
931.8
$

2,611.8

5,935.2

2,671.7

1,465.6

1,964.2

2016

2015(4)

$

689.2

$

1,396.9

2,979.8

935.2

832.9

1,182.5

287.2

1,389.4

3,316.8

996.0

805.2

1,353.9

(1) Statement of operations data for the year ended December 31, 2018 reflects a $5.5 million adjustment to increase income tax expense related to the establishment of a valuation 
allowance on deferred tax assets and to decrease net income and net income attributable to Delek, and reducing basic and diluted income per share by $0.07 and $0.06, respectively, 
that were not reflected in the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on February 20, 2019 (the "Earnings Release"). Such adjustment has 
no impact on adjusted net income or adjusted net income per share (as defined in the Earnings Release). See further discussion in Notes 15 and 23 of our consolidated financial 
statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K.

(2)  Statement of operations data for the year ended December 31, 2018 includes a $60.7 adjustment to increase net revenues and cost of materials and other to record a correction 
of an intercompany elimination that was not reflected in the February 20, 2019 Earnings Release.  Such amounts are not considered material to the financial statements and had 
no impact to operating income, segment contribution margin or net income.

(3) Statement of operations data for the year ended December 31, 2017 reflects six months of incremental results of operations resulting from the Delek/Alon Merger, which was effective 

July 1, 2017. Additionally, the balance sheet date as of December 31, 2017 reflects the assets and liabilities of Alon as a result of the Delek/Alon Merger.

(4)  In August 2016, Delek entered into the Purchase Agreement to sell the Retail Entities, which consist of all of the retail segment and a portion of the corporate, other and eliminations 
segment, to COPEC. The operating results for the Retail Entities were reclassified to discontinued operations for 2016 and 2015, and the related assets and liabilities were reclassified 
as held for sale for the years ended December 31, 2016 and 2015.

(5) Balance sheet data for the year ended December 31, 2018 reflects a $20.0 million adjustment to decrease stockholders' equity ($14.5 million of which was an  adjustment to retained 
earnings resulting from our correction of a cumulative adoption of an accounting policy) related to the establishment of a valuation allowance on deferred tax assets that was not 
reflected in the February 20, 2019 Earnings Release. See further discussion in Note 15 of our consolidated financial statements included in Item 8, Financial Statements and 
Supplementary Data, of this Annual Report on Form 10-K. 

55 |

 
 
Management's Discussion and Analysis

ITEM  7.  MANAGEMENT’S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL  CONDITION  AND  RESULTS  OF 
OPERATIONS

Forward-Looking Statements 

This Annual Report on Form 10-K contains "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as 
amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements reflect our current estimates, 
expectations and projections about our future results, performance, prospects and opportunities. Forward-looking statements include, among other 
things, the information concerning our planned capital expenditures by segment for 2020, possible future results of operations, business and growth 
strategies, financing plans, expectations that regulatory developments or other matters will or will not have a material adverse effect on our business 
or financial condition, our competitive position and the effects of competition, the projected growth of the industry in which we operate, and the 
benefits and synergies to be obtained from our completed and any future acquisitions, statements of management’s goals and objectives, and 
other similar expressions concerning matters that are not historical facts. Words such as "may," "will," "should," "could," "would," "predicts," "potential," 
"continue," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "appears," "projects" and similar expressions, as well as 
statements in future tense, identify forward-looking statements.

Forward-looking statements should not be read as a guarantee of future performance or results, and will not necessarily be accurate indications 
of the times at, or by, which such performance or results will be achieved. Forward-looking information is based on information available at the 
time and/or management’s good faith belief with respect to future events, and is subject to risks and uncertainties that could cause actual performance 
or results to differ materially from those expressed in the statements. Important factors that, individually or in the aggregate, could cause such 
differences include, but are not limited to:

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

volatility in our refining margins or fuel gross profit as a result of 
changes in the prices of crude oil, other feedstocks and refined 
petroleum products;

reliability of our operating assets;

actions of our competitors and customers;

changes  in,  or  the  failure  to  comply  with,  the  extensive 
government regulations applicable to our industry segments;

our ability to execute our strategy of growth through acquisitions 
and capital projects and changes in the expected value of and 
benefits derived therefrom, including any inability to successfully 
integrate  acquisitions,  realize  expected  synergies  or  achieve 
operational efficiency and effectiveness;

diminishment  in  value  of  long-lived  assets  may  result  in  an 
impairment in the carrying value of the assets on our balance 
sheet  and  a  resultant  loss  recognized  in  the  statement  of 
operations;

general  economic  and  business  conditions  affecting  the 
southern, southwestern and western United States, particularly 
levels of spending related to travel and tourism;

volatility under our derivative instruments; 

deterioration of creditworthiness or overall financial condition of 
a material counterparty (or counterparties);

unanticipated increases in cost or scope of, or significant delays 
in  the  completion  of,  our  capital  improvement  and  periodic 
turnaround projects;

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

risks and uncertainties with respect to the quantities and costs 
of refined petroleum products supplied to our pipelines and/or 
held in our terminals;

operating hazards, natural disasters, casualty losses and other 
matters beyond our control;

increases in our debt levels or costs;

changes in our ability to continue to access the credit markets; 

compliance, or failure to comply, with restrictive and financial 
covenants in our various debt agreements;

the inability of our subsidiaries to freely make dividends, loans 
or other cash distributions to us;

seasonality;

acts of terrorism (including cyber-terrorism) aimed at either our 
facilities or other facilities that could impair our ability to produce 
or transport refined products or receive feedstocks;

disruption,  failure,  or  cybersecurity  breaches  affecting  or 
targeting our IT systems and controls, our infrastructure, or the 
infrastructure of our cloud-based IT service providers;

changes in the cost or availability of transportation for feedstocks 
and refined products; and

other factors discussed under Item 1A, Risk Factors and Item 
7,  Management’s  Discussion  and  Analysis  of  Financial 
Condition and Results of Operations and in our other filings with 
the SEC.

In light of these risks, uncertainties and assumptions, our actual results of operations and execution of our business strategy could differ materially 
from those expressed in, or implied by, the forward-looking statements, and you should not place undue reliance upon them. In addition, past 
financial and/or operating performance is not necessarily a reliable indicator of future performance, and you should not use our historical performance 
to anticipate future results or period trends. We can give no assurances that any of the events anticipated by any forward-looking statements will 
occur or, if any of them do, what impact they will have on our results of operations and financial condition.

All forward-looking statements included in this report are based on information available to us on the date of this report. We undertake no obligation 
to revise or update any forward-looking statements as a result of new information, future events or otherwise.

56 |

Management's Discussion and Analysis

Executive Summary and Strategic Overview 

Business Overview

We are an integrated downstream energy business focused on petroleum refining, the transportation, storage and wholesale distribution of crude 
oil, intermediate and refined products and convenience store retailing. Effective July 1, 2017, we acquired through the Delek/Alon the operations 
and net assets of Alon, as discussed in the 'Recent Strategic Developments' section of Item 1, Business, and as discussed in Note 3 of our 
consolidated financial statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K. The 
Delek/Alon Merger continues to have a significant impact on our revenue and profitability as well as earnings per share, our net asset position, 
our purchasing position in the marketplace, our footprint in the refining industry, especially in the Gulf Coast Region/Permian Basin, and our ability 
to go to market and secure financing.

Refining Overview

The refining segment processes crude oil and other feedstocks for the manufacture of transportation motor fuels, including various grades of 
gasoline, diesel fuel, aviation fuel, asphalt and other petroleum-based products that are distributed through owned and third-party product terminals. 
The refining segment has a combined nameplate capacity of 302,000 barrels per day as of December 31, 2019. Prior to the Delek/Alon Merger, 
the refining segment operated the Tyler refinery and the El Dorado refinery with a combined design crude throughput (nameplate) capacity of 
155,000 barrels per day ("bpd"). Effective with the Delek/Alon Merger, our refining segment now also includes the Big Spring refinery and the Krotz 
Springs refinery. A high-level summary of the refinery activities is presented below:

Total Nameplate Capacity
(barrels per day ("bpd"))

Primary Products

Relevant Crack Spread
Benchmark

Marketing and Distribution

Tyler Refinery

El Dorado Refinery

Big Spring Refinery

Krotz Springs Refinery

75,000

80,000

73,000

74,000

Gasoline, jet fuel, ultra-low-
sulfur diesel, liquefied
petroleum gases, propylene,
petroleum coke and sulfur

Gasoline, ultra-low-sulfur
diesel, liquefied petroleum
gases, propylene, asphalt and
sulfur

Gasoline, jet fuel, ultra-low-
sulfur diesel, liquefied
petroleum gases, propylene,
aromatics and sulfur

Gasoline, jet fuel, high-sulfur
diesel, light cycle oil, liquefied
petroleum gases, propylene
and ammonium thiosulfate

Gulf Coast 5-3-2

Gulf Coast 5-3-2 (1)

Gulf Coast 3-2-1 (2)

Gulf Coast 2-1-1 (3)

The refining segment's petroleum-based products are marketed primarily in the south central, southwestern and western regions 
of the United States, and the refining segment also ships and sells gasoline into wholesale markets in the southern and eastern 
United States. Motor fuels are sold under the Alon or Delek brand through various terminals to supply Alon or Delek branded retail 
sites. In addition, we sell motor fuels through our wholesale distribution network on an unbranded basis.

(1) While there is variability in the crude slate and the product output at the El Dorado refinery, we compare our per barrel refined product margin to the Gulf 

Coast 5-3-2 crack spread because we believe it to be the most closely aligned benchmark. 

(2) Our Big Spring refinery is capable of processing substantial volumes of sour crude oil, which has historically cost less than intermediate, and/or substantial 
volumes of sweet crude oil, and therefore the WTI Cushing/WTS price differential, taking into account differences in production yield, is an important measure 
for helping us make strategic, market-respondent production decisions. 

(3) The Krotz Springs refinery has the capability to process substantial volumes of light sweet crude oil to produce a high percentage of refined light products. 

Our refining segment also owns and operates three biodiesel facilities involved in the production of biodiesel fuels and related activities, located 
in Crossett, Arkansas, Cleburne, Texas, and New Albany, Mississippi. 

Logistics Overview

Our logistics segment gathers, transports and stores crude oil and markets, distributes, transports and stores refined products in select regions of 
the southeastern United States and West Texas for our refining segment and third parties. It is comprised of the consolidated balance sheet and 
results  of  operations  of  Delek  Logistics  Partners,  LP  ("Delek  Logistics",  NYSE:  DKL),  where  we  owned  a  61.4%  limited  partner  interest  (at 
December 31, 2019) in Delek Logistics and a 94.6% interest in the entity that owns the entire 2.0% general partner interest in Delek Logistics and 
all of the incentive distribution rights. Delek Logistics was formed by Delek in 2012 to own, operate, acquire and construct crude oil and refined 
products  logistics  and  marketing  assets. A  substantial  majority  of  Delek  Logistics'  assets  are  currently  integral  to  our  refining  and  marketing 
operations.  The  logistics  segment's  pipelines  and  transportation  business  owns  or  leases  capacity  on  approximately  400  miles  of  crude  oil 
transportation pipelines, approximately 450 miles of refined product pipelines, an approximately 700-mile crude oil gathering system and associated 
crude oil storage tanks with an aggregate of approximately 9.9 million barrels of active shell capacity. Our logistics segment owns and operates 
nine light product terminals and markets light products using third-party terminals. Additionally, the logistics segment has strategic investments in 
pipeline joint ventures that provide access to pipeline capacity as well as the potential for earnings from joint venture operations.

57 |

Management's Discussion and Analysis

Retail Overview

Our retail segment at December 31, 2019 includes the operations of 252 owned and leased convenience store sites located primarily in Central 
and West Texas and New Mexico which were acquired in connection with the Delek/Alon Merger. Our convenience stores typically offer various 
grades of gasoline and diesel under the DK or Alon brand name and food products, food service, tobacco products, non-alcoholic and alcoholic 
beverages, general merchandise as well as money orders to the public, primarily under the 7-Eleven and DK or Alon brand names pursuant to a 
license agreement with 7-Eleven, Inc. In November 2018, we terminated the license agreement with 7-Eleven, Inc. and the terms of such termination 
require the removal of all 7-Eleven branding on a store-by-store basis by December 31, 2021. Merchandise sales at our convenience store sites 
will continue to be sold under the 7-Eleven brand name until 7-Eleven branding is removed pursuant to the termination. As of December 31, 2019, 
we have removed the 7-Eleven brand name at 57 of our store locations. Substantially all of the motor fuel sold through our retail segment is supplied 
by our Big Spring refinery, which is transferred to the retail segment at prices substantially determined by reference to published commodity pricing 
information. In connection with our retail strategic initiatives, we closed or sold 30 under-performing or non-strategic store locations during 2019. 

Corporate and Other Overview

Our corporate activities, results of certain immaterial operating segments (including our asphalt terminal operations effective with the Delek/Alon 
Merger), our non-controlling equity interest of approximately 47% of the outstanding shares in Alon (which was accounted for as an equity method 
investment) prior to the Delek/Alon Merger, results and assets of discontinued operations and intercompany eliminations are reported in the 
corporate, other and eliminations in our segment disclosures.  Additionally, our corporate activities include the majority of our commodity and other 
hedging activities. 

Strategic Overview

The Company's overall strategy has been to take a disciplined approach that looks to balance returning cash to our shareholders and prudently 
investing in the business to support safe and reliable operations, while exploring opportunities for growth. Our goal has been to balance the different 
aspects of this program based on evaluations of each opportunity and how it matches our strategic goals for the company, while factoring in market 
conditions and expected cash generation.

2019 Strategic Goals and Developments

The following is a summary of our most significant 2019 strategic goals, and the actions we completed during 2019 in pursuit of those goals:

•  Maintain and continue to enhance our safe operations. As we invest in and grow our business, we remain focused on safe and compliant 

operations for the benefit of our employees, communities, customers and shareholders.

• 

• 

• 

• 

• 

Capitalize on the successful integration of the Alon transaction. Since the Delek/Alon Merger, we expended significant efforts to fully 
integrate the Alon organization. Now that the integration is complete, our goal is to continue to implement best practices to improve the 
performance of our larger organization which includes focusing on simplifying the organization structure and the balance sheet. We are 
continuing to realize synergies that are expected to have a positive effect on our combined operations.

Build on a winning culture. We believe our team responded well to our larger scale, as steps were taken to integrate the two companies 
following the acquisition of Alon in July 2017. We are now a larger and more diverse company, but our focus is to foster a culture that has the 
ability to act quickly in a changing environment to take advantage of opportunities. In order to support this operation, we continue to be focused 
on expanding our team, developing systems and providing the resources to position the organization for success in the future.

Enhance our position in the Permian Basin. Our 302,000 barrels per day of crude throughput capacity is primarily a WTI-linked crude oil 
slate that is weighted to supply from the Permian Basin through our access to approximately 200,000 barrels per day. In addition, we have 
complementary retail and logistics presence in the area. Our strategic focus will be to evaluate options to utilize our position to create additional 
growth across our businesses, while working toward reducing our susceptibility to volatility in the crude and refined product markets. 

Grow our logistics operations. The combination of our access to the Permian Basin and larger refining operation should allow us to continue 
to grow our logistics footprint. We will look for opportunities to capitalize on this position to increase our crude gathering operations, support 
the refining system and third-party customers. This includes exploring opportunities for continued development through joint ventures and 
opportunities to acquire assets in markets that are complementary to our existing geographic footprint.

Optimization of our refining system. We have doubled the size of our refining system since 2016. This gives us the opportunities to utilize 
the best practices from each location to improve reliability, efficiencies and yields in an effort to maximize performance. This should enhance 
our competitive position and free cash flow potential. 

58 |

Management's Discussion and Analysis

• 

Use our financial flexibility and cash flow to create shareholder value. We are focused on managing the cash flow in our business to 
support our capital allocation program that includes: 1) returning cash to shareholders through dividends and share repurchases, 2) investing 
in our business and 3) growing through acquisitions - all of which combine to serve our central goal of increasing long-term value for our 
shareholders. 

In addition to the above, it continues to be a strategic and operational objective to manage price and supply risk related to crude oil that is used in 
refinery production, and to develop strategic sourcing relationships. For that purpose, from a pricing perspective, we enter into commodity derivative 
contracts to manage our price exposure to our inventory positions, future purchases of crude oil and ethanol, future sales of refined products or 
to fix margins on future production. We also enter into future commitments to purchase or sell RINs at fixed prices and quantities, which are used 
to manage the costs associated with our RINs obligations. Additionally, from a sourcing perspective, we often enter into purchase and sale contracts 
with vendors and customers or take financial commodity positions for crude oil that may not be used immediately in production, but that may be 
used to manage the overall supply and availability of crude expected to ultimately be needed for production and/or to meet minimum requirements 
under strategic pipeline arrangements, and also to optimize and hedge availability risks associated with crude that we ultimately expect to use in 
production. Such transactions are inherently based on certain assumptions and judgments made about the current and possible future availability 
of crude. Therefore, when we take physical or financial positions for optimization purposes, our intent is generally to take offsetting positions in 
quantities and at prices that will advance these objectives while minimizing our positional and financial statement risk. However, because of the 
volatility of the market in terms of pricing and availability, it is possible that we may have material positions with timing differences or, more rarely, 
that we are unable to cover a position with an offsetting position as intended. Such differences could have a material impact on the classification 
of resulting gains/losses, assets or liabilities, and could also significantly impact net earnings. 

Transactions designed to maximize shareholder return

Share Repurchases

During the year ended December 31, 2019, Delek repurchased 5,039,034 shares for an aggregate purchase price of $178.1 million under the most 
recent share repurchase plan which provided for repurchases up to $500.0 million and was approved by the board on November 6, 2018. As of 
December 31, 2019, there remained $231.7 million available for repurchases under the most recent repurchase plan. See further discussion in 
Note 5 of our consolidated financial statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 
10-K.

Transactions designed to maximize return on assets 

Alkylation Project Completed

The alkylation unit at the Krotz Springs refinery was completed in April 2019 providing additional flexibility to the refinery. The total cost was 
approximately $138.0 million. This unit is expected to improve the refinery's ability to convert low value products into gasoline, enable the refinery 
to produce multiple summer gasoline grades and increase octane and allow the refinery to produce premium gasoline. Because of the conversion 
improvement at the refinery from this project, its returns are expected to be less dependent on the crack spread environment over time. 

Investment in Midstream Ventures 

In July 2019, we acquired a 15% ownership interest in Wink to Webster Pipeline LLC ("WWP").  WWP intends to construct and operate a crude 
oil pipeline system from Wink, Texas to Webster, Texas along with certain pipelines from Webster, Texas to other destinations in the Gulf Coast 
area. It is expected to span approximately 650 miles at completion. Under the agreements governing the joint venture, we must contribute our 
percentage interest of the applicable construction costs (including certain costs previously incurred by WWP), and it is anticipated that our capital 
contributions will total approximately $340 million to $380 million over the course of construction (expected to be two to three years). During the 
year ended December 31, 2019, we made capital contributions totaling $126.7 million. Subsequent to December 31, 2019, we have made additional 
capital contributions totaling $18.9 million.

In May 2019, Delek Logistics, acquired a 33% membership interest in Red River Pipeline Company LLC (the "Red River Pipeline Joint Venture" 
as previously defined) with Plains Pipeline, L.P. (“Plains”) for approximately $124.7 million, substantially all of which was financed under the Delek 
Logistics Credit Facility, The Red River Pipeline Joint Venture subsequently proceeded with an expansion project to increase the capacity of the 
pipeline from 150,000 barrels per day to 235,000 barrels per day  for which we contributed an additional $3.5 million in May 2019. This investment 
was also made to advance our long-term strategic objectives to expand our midstream investments and network/pipeline access.

See further discussion in Note 7 of our consolidated financial statements included in Item 8, Financial Statements and Supplementary Data, of 
this Annual Report on Form 10-K.

Purchase of Biofuel Production Assets

Effective October 1, 2019, we acquired certain assets of JNS Biofuel, LLC, a biodiesel facility located in New Albany, Mississippi for a total purchase 
price of $8.0 million. The assets acquired consisted primarily of real property and integral equipment. This acquisition allows us to bring assets in-
house for a facility where we were previously the sole tolling customer, and utilize those assets to leverage across our renewables activities.

59 |

Management's Discussion and Analysis

Transactions designed to minimize the cost of capital/manage financial risk exposures

2019 Amendments to Supply and Offtake Agreements 

During January 2019, we amended the El Dorado refinery and the Krotz Springs refinery Supply and Offtake Agreements with J. Aron so that the 
repurchase of baseline volumes at the end of the applicable Supply and Offtake Agreement term (representing the "Baseline Step-Out Liabilities") 
will be based upon a fixed price instead of a market-indexed price and therefore subject to changes in fair value that reflect changes in interest 
rate risk rather than commodity price risk. The modified arrangement results in a Baseline Step-Out Liability that is no longer subject to commodity 
volatility, but for which its fair value is subject to interest rate risk. As a result, we recorded a gain on the change in fair value resulting from the 
modification of the instruments from commodities-based risk to interest rate risk in cost of materials and other in the first quarter of 2019. Such 
Baseline Step-Out Liabilities will continue to be recorded at fair value, where the fair value will reflect changes in interest rate risk rather than 
commodity price risk. 

In September 2019, we amended the Supply and Offtake Agreements to increase the fixed Step-Out price on Baseline Volumes. As a result of the 
change in the contract terms, we received cash, net of estimated fees paid, totaling approximately $38.9 million. No gain or loss was recognized 
as a result of these September 2019 amendments.

See further discussion in Note 10 of our consolidated financial statements included in Item 8, Financial Statements and Supplementary Data, of 
this Annual Report on Form 10-K.

2019 Amendments to the Term Loan Credit Facility Agreement 

On May 22, 2019 (the "First Incremental Effective Date"), we amended the Term Loan Credit Facility agreement pursuant to the terms of the First 
Incremental Amendment to Term Loan Credit Agreement (the "Incremental Amendment"). Pursuant to the Incremental Amendment, the Company 
borrowed $250.0 million in aggregate principal amount of incremental term loans (the “Incremental Term Loans”) at an original issue discount of 
0.75%, increasing the aggregate principal amount of loans outstanding under the Term Loan Credit Facility on the First Incremental Effective Date 
to $943.0 million. Per the Incremental Amendment, the required scheduled quarterly principal payments under the Term Loan Credit Facility 
increased from $1.750 million to $2.375 million commencing with the quarterly principal payment due on June 28, 2019. There are no restrictions 
on the Company's use of the proceeds of the Incremental Term Loans, and the proceeds may be used to (i) to reduce utilizations under the Revolving 
Credit Facility, (ii) for general corporate purposes and (iii) to pay transaction fees and expenses associated with the Incremental Amendment.

On November 22, 2019 (the "Second Incremental Effective Date"), we amended the Term Loan Credit facility agreement pursuant to the terms of 
the  Second  Incremental Amendment  to  the Term  Loan  Credit Agreement  (the  "Second  Incremental Amendment").    Pursuant  to  the  Second 
Incremental Amendment, the Company borrowed $150.0 million in aggregate principal amount of incremental term loans (the "Incremental Loans') 
at an original issue discount of 1.21%, increasing the aggregate principal amount of loans outstanding under the Term Loan Credit Facility on the 
Second  Incremental  Effective  Date  to  $1,088.3  million.    Per  the  Second  Incremental Amendment,  the  required  scheduled  quarterly  principal 
payments under the Term Loan Credit Facility increased from $2.375 million to $2.750 million commencing with the quarterly principal payment 
due on December 31, 2019. The terms of the Incremental Term Loans are substantially identical to the terms applicable to the initial term loans 
under the Term Loan Credit Facility borrowed in March 2018. There are no restrictions on the Company's use of proceeds for the Incremental 
Loans.

On December 18, 2019, we amended the Second Amended and Restated Credit Agreement dated March 30, 2018, which increased the capacity 
to issue letters of credit under the agreement from $300.0 million up to $400.0 million, including letters of credit denominated in Canadian dollars 
of up to $10.0 million. 

See further discussion in Note 11 of our consolidated financial statements included in Item 8, Financial Statements and Supplementary Data, of 
this Annual Report on Form 10-K.

2019 New Term Loan Facility 

On December 31, 2019, Delek entered into a term loan credit and guaranty agreement (the "Agreement") with Bank Hapoalim B.M. ("BHI") as the 
administrative agent. Pursuant to the Agreement, on December 31, 2019 Delek borrowed $40.0 million. The interest under the Agreement is equal 
to LIBOR plus a margin of 3.00%. The Agreement has a maturity of December 31, 2022 and requires quarterly loan amortization payments 
commencing March 31, 2020. Proceeds may be used for general purposes. The Agreement has an accordion feature that allows increasing the 
term loan to maximum size of $100.0 million, subject to receiving increased or new commitments from lenders and the satisfaction of certain other 
conditions. Any such additional borrowings must be completed before December 31, 2021. See further discussion in Note 11 of our consolidated 
financial statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K.

60 |

A Look to the Future: Our Strategic Goals

During 2019, Delek’s leadership team built a new framework to facilitate development of the Company’s strategies and initiatives. This framework 
starts with the Company’s overarching objectives for the next five years, and continues to lay the foundation for our annual strategic goals:

Management's Discussion and Analysis

I. 

Become nationally recognized for safety and wellness leadership,

II.  Maximize return on assets through best-in-industry reliability and integrity,

III. 

Improve efficiency and execution through development of systems and processes,

IV. 

Identify and manage risks to improve decision making and increase profitability, and 

V.  Significantly increase overall earnings.

These overarching objectives are supported by five strategic focus areas, which inform the priorities of each segment’s initiatives, as discussed 
below: 

I. 

Safety and wellness. 

II.  Reliability and integrity. 

III.  Systems and processes. 

IV.  Risk-based decision making. 

V.  Positioning for growth. 

We believe that these strategic objectives and areas of focus are representative of our desire to maximize the opportunities both within and external 
to the organization in a way that is innovative and forward-thinking, while incorporating some of the strategies that have been essential to our story 
so far and are part of who we are as a company. Accordingly, these focus areas continue to provide a foundation for our 2020 strategic initiatives, 
which are as follows:

Related to our strategic initiatives, we have developed the following 2020 strategic initiatives:

• 

•  Maintain and continue to enhance our safe operations and commitment to responsible corporate citizenship. A central focus is 
to enhance the safety across our organization. It is a core value at Delek and we work day-to-day to ingrain this into our culture. The 
organization is focused on Environment/Health/Safety, Employee Engagement, Community Commitment and Ethics/Governance in an 
effort to have safe and compliant operations for the benefit of our employees, communities, customers and shareholders.
Broaden our winning culture. As a growing organization, we want to develop a culture that can support its success. Our core values: 
Safety, Integrity, Maximize Value, Passion for Winning & Excellence, Growth Oriented and Commitment are guiding factors in the way 
we do business. We are investing in our people to expand our knowledge base through training, systems and processes with a goal to 
retain the ability to act quickly as we grow.
Enhance our integrated platform. Our integrated platform allows to purchase a barrel of crude oil at the wellhead, transport crude oil 
to our refineries to produce finished products then transport it to our retail network or third parties.  In 2019, projects such as the alkylation 
unit at Krotz Springs, turnaround at El Dorado, steps to improve our retail portfolio or investment in our logistics assets are all examples 
of the continuous effort to improve our existing platform.

• 

61 |

• 

Diversify our business model through growth in our midstream operations. We executed initiatives in 2019 to develop our midstream 
operations through construction of the Big Spring Gathering System, entering into joint ventures for the Red River and Wink to Webster 
pipelines. Our intention is to use our cash flow and strong balance sheet to diversify our earnings mix by increasing the size of our more 
stable midstream business. 

Management's Discussion and Analysis

• 

•  Maximize operational efficiencies. This extends to all aspects of the organization. From back office processes and systems to the 
operating assets in refining, logistics and retail. By safely maximizing our efficiencies, reliability and asset integrity, we should enhance 
our competitiveness and free cash flow generation potential. In a commodity based environment that changes quickly, we are consistently 
focused on executing on factors that are within our control.
Create organizational scalability to support growth. A challenge of a growing company is that sometimes it comes in large steps, 
which can stretch an organization. We are focused on developing our systems and processes, improving efficiencies and retaining 
knowledge within the organization to create a structure that is scalable as we grow in the future.
Use our financial flexibility and cash flow to create shareholder value. Delek is focused on managing the cash flow of our business 
to support a capital allocation program that includes: 1) returning cash to shareholders through dividends and share repurchases, 2) 
applying a disciplined approach to investing in our business and 3) growing through acquisitions- all of which combine to serve our 
overarching goal of increasing long-term value for our shareholders. 

• 

Already, we have begun working towards the achievement of our 2020 strategic initiatives as evidenced by the significant 2020 transactions 
highlighted below:

2020 Investment in Project Financing Joint Venture 

On February 21, 2020, we, through our wholly-owned direct subsidiary Delek Energy, entered into the W2W Holdings LLC Agreement with MPLX 
Operations LLC ("MPLX") (collectively, with its wholly-owned subsidiaries, the "WWP Project Financing Joint Venture" or the "WWP Project Financing 
JV"). The WWP Project Financing JV was created for the specific purpose of obtaining financing, through its wholly-owned subsidiary W2W Finance 
LLC, to fund our combined capital calls resulting from and occurring during the construction period of the pipeline system under the WWP Joint 
Venture, and to service that debt. In connection with the arrangement, both Delek Energy and MPLX contributed their respective 15% ownership 
interests to the WWP Project Financing JV as collateral for and in service of the related project financing. Accordingly, distributions received from 
WWP through the WWP Project Financing JV will first be applied in service of the related project financing debt, with excess distributions being 
made to the members of the WWP Project Financing JV as provided for in the W2W Holdings LLC Agreement. The obligations of the members 
under the W2W Holdings LLC Agreement are guaranteed by the parents of the members of the WWP Project Financing JV (i.e., for Delek Energy, 
the guarantee is from Delek US Holdings, Inc.). We believe that this financing mechanism provides not only for better pricing on the strength of 
our combined investments and member guarantees, but that it enhances our financial position by presenting our investment in the WWP Project 
Financing JV net of encumbrances that are specific to that investment.

See further discussion in Notes 7 and 25 of our consolidated financial statements included in Item 8, Financial Statements and Supplementary 
Data, of this Annual Report on Form 10-K.

2020 Amendments to Supply and Offtake Agreements

In January 2020, we amended our three Supply and Offtake Agreements to convert the Baseline Step-Out Liabilities back to a market-indexed 
price subject to commodity price risk with corresponding changes to underlying market-based indices and certain differentials. We believe that this 
will reduce the need for economic commodity hedges and provide operating results that more closely correlate to current crack spreads and 
differentials.

See further discussion in Notes 10 and 25 of our consolidated financial statements included in Item 8, Financial Statements and Supplementary 
Data, of this Annual Report on Form 10-K.

62 |

Management's Discussion and Analysis

Market Trends 

Commodity Prices

Our results of operations are significantly affected by fluctuations in the prices of certain commodities, including, but not limited to, crude oil, 
gasoline, distillate fuel, biofuels and natural gas and electricity, among others. Historically, our profitability has been affected by commodity price 
volatility, specifically as it relates to the price of crude oil and refined products. We have significant sources of WTI Midland crude because of our 
gathering system, and so accordingly favorable pricing of WTI Midland crude compared to other WTI crude can favorably impact our cost of 
materials and other and therefore our margins compared to other refiners. 

The table below reflects the quarterly average prices of WTI Midland and WTI Cushing crude oil for each of the quarterly periods over the past 
three years. As shown in the historical graph, over the past three years WTI Midland crude prices have generally been favorable as compared to 
WTI Cushing, though that trend has reversed slightly in the fourth quarter 2019. 

Crack Spreads

Crack spreads are used as benchmarks for predicting and evaluating a refinery's product margins by measuring the difference between the market 
price of feedstocks and crude oil and refined products. Generally, crack spreads represent the approximate refining margin resulting from processing 
one barrel of crude oil into its outputs, generally gasoline and diesel fuel. 

The table below reflects the quarterly average Gulf Coast 5-3-2, 3-2-1 and 2-1-1 crack spreads for each of the quarterly periods over the past three 
years. As the chart illustrates, the 3-2-1 crack spread has consistently outperformed the 5-3-2 and the 2-1-1 crack spreads over the past three 
years. In such conditions, things being equal (i.e., near-capacity throughputs and no significant outages), our Big Spring refinery, whose benchmark 
is the 3-2-1 crack spread, should outperform our other refineries in terms of refining margin.

63 |

Management's Discussion and Analysis

Crack spreads are impacted by the price of refined products as compared to the price of crude oil and therefore may narrow or widen based on 
different trends in those market prices, or lags in one commodity pricing change versus the other. For example, the average Gulf Coast 5-3-2 crack 
spread per barrel remained relatively steady at $13.78 in 2019 compared to $13.21 in 2018, despite Gulf Coast price of gasoline (CBOB) decreasing 
10.7%, from an average of $1.83 per gallon in 2018 to $1.63 per gallon in 2019, which indicates that decreases in feedstocks trended similarly.  
As a result, while, in such circumstances, total revenues for gasoline and corresponding cost of materials and other will be lower (assuming 
consistent volumes), refining margins would remain relatively flat year-over-year. Thus, while fluctuations in refined product prices will significantly 
impact our top line revenue (assuming consistent volumes), crack spread has greater direct impact on our margins. 

Refined Product Prices

Our refineries produce the following products:

Tyler Refinery

El Dorado Refinery

Big Spring Refinery

Primary Products

Gasoline, jet fuel, ultra-low-
sulfur diesel, liquefied
petroleum gases, propylene,
petroleum coke and sulfur

Gasoline, ultra-low-sulfur
diesel, liquefied petroleum
gases, propylene, asphalt
and sulfur

Gasoline, jet fuel, ultra-low-
sulfur diesel, liquefied
petroleum gases, propylene,
aromatics and sulfur

Krotz Springs Refinery
Gasoline, jet fuel, high-sulfur
diesel, light cycle oil,
liquefied petroleum gases,
propylene and ammonium
thiosulfate

In addition to decreases in the price of CBOB gasoline, the Gulf Coast price of High Sulfur Diesel decreased 8.3%, from an average of $1.92 per 
gallon in 2018 to $1.76 per gallon in 2019. The Gulf Coast price of Ultra Low Sulfur Diesel decreased 8.0% from an average of $2.05 per gallon 
in 2018 to $1.88 per gallon in 2019. The charts below illustrate the quarterly average prices of Gulf Coast Gasoline, U.S. High Sulfur Diesel and 
U.S. Ultra Low Sulfur Diesel over the past three years.

Crude Pricing Differentials

As U.S. crude oil production has increased, we have seen the discount for WTI Cushing compared to Brent widen. This generally leads to higher 
margins in our refineries as refined product prices are influenced by Brent crude prices and the majority of our crude supply is WTI-linked. The 
average discount for WTI Cushing compared to Brent increased to $7.13 during 2019 from $6.70 during 2018. We note similar historical trends 
when reviewing the discount for LLS compared to WTI Cushing, where the average discount increased to $5.66 during 2019 from $4.99 during 
2018. Additionally, our refineries continue to have relatively greater access to WTI Midland and WTI Midland-linked crude feedstocks compared 
to certain of our competitors. The average discount for WTI Midland compared to WTI Cushing decreased to $0.68 during 2019 from $7.36 during 
2018. As these discounts shrink or, as in the case of the WTI Midland/WTI Cushing differential, become a premium, without taking into account 
changes in inventory, as they did at the end of 2019, our reliance on WTI-linked crude pricing, and specifically WTI Midland crude can negatively 
impact our results.  Conversely, as these price discounts increase, so does our competitive advantage, created by our access to WTI-linked crude 
oil pricing, and specifically WTI Midland crude sources through our gathering systems. The chart below illustrates the differentials of both Brent 
crude oil and WTI Midland crude oil as compared to WTI Cushing crude oil as well as WTI Cushing as compared to LLS over the past three years.

64 |

Management's Discussion and Analysis

RIN Volatility

Environmental regulations continue to affect our margins in the form of volatility in the costs of RINs. On a consolidated basis, we work to balance 
our RINs obligations in order to minimize the effect of RINs on our results. While we generate RINs in both of our refining and logistics segments 
through our ethanol blending and biodiesel production, our refining segment needs to purchase additional RINs to satisfy its obligations. As a result, 
increases in the price of RINs generally adversely affect our results of operations. It is not possible at this time to predict with certainty what future 
volumes or costs may be, but given the volatile price of RINs, the cost of purchasing sufficient RINs could have an adverse impact on our results 
of operations if we are unable to recover those costs in the price of our refined products. The chart below illustrates the volatile nature of the price 
for RINs over the past three years. 

65 |

Summary Financial and Other Information

The following table provides summary financial data for Delek (in millions):

Summary Statement of Operations Data

Net revenues
Total operating costs and expenses

Operating income

Total non-operating expenses, net

Income from continuing operations before income tax expense

Income tax expense

Income from continuing operations, net of tax
Income (loss) from discontinued operations, net of tax
Net income
Net income attributed to non-controlling interests
Net income attributable to Delek

Management's Discussion and Analysis

Year Ended December 31,
2018(1)(2)

2019

9,298.2
8,805.9
492.3
89.6
402.7
71.7
331.0
5.2
336.2
25.6
310.6

$

$

10,233.1
9,621.2
611.9
126.4
485.5
101.9
383.6
(8.7)
374.9
34.8
340.1

$

$

(1)  Statement of operations data for the year ended December 31, 2018 reflects a $5.5 million adjustment to increase income tax expense related to the establishment of a valuation 
allowance on deferred tax assets and to decrease net income and net income attributable to Delek, and reducing basic and diluted income per share by $0.07 and $0.06, respectively, 
that were not reflected in the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on February 20, 2019. Such adjustment had no impact on adjusted net 
income or adjusted net income per share (as defined in the Earnings Release). See further discussion in Notes 15 and 23 of our consolidated financial statements included in Item 
8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K.

(2) Statement of operations data for the year ended December 31, 2018 includes a $60.7 million adjustment to increase net revenues and cost of materials and other to record a 
correction of an intercompany elimination that was not reflected in the February 20, 2019 Earnings Release.  Such amounts are not considered material to the financial statements 
and had no impact to operating income, segment contribution margin or net income.

We report operating results in three reportable segments:

• 

• 

• 

Refining

Logistics

Retail 

Decisions concerning the allocation of resources and assessment of operating performance are made based on this segmentation. Management 
measures the operating performance of each of its reportable segments based on the segment contribution margin. 

66 |

 
Management's Discussion and Analysis

Results of Operations 

Consolidated Results of Operations — Comparison of the Year Ended December 31, 2019 versus the Year Ended
December 31, 2018 

Net Income

Consolidated net income for the year ended December 31, 2019 was $336.2 million compared to $374.9 million for the year ended December 31, 
2018. Consolidated net income attributable to Delek for the year ended December 31, 2019 was $310.6 million, or $4.10 per basic share, compared 
to $340.1 million, or $4.11 per basic share, for the year ended December 31, 2018. Explanations for significant drivers impacting net income as 
compared to the comparable period of the prior year are discussed in the sections below.

Net Revenues

We generated net revenues of $9,298.2 million and $10,233.1 million during the years ended December 31, 2019 and 2018, respectively, a decrease 
of $934.9 million, or 9.1%. The decrease in net revenues was primarily due to the following factors:

• 

• 

in our refining segment, decreases in the average price of U.S. Gulf Coast gasoline of 10.7%, ULSD of 8.0%, and High-Sulfur diesel ("HSD") 
of 8.3%, partially offset by increase in sales volumes; and

in our logistics segment, decreases in the average volume sold and sales prices per gallon of gasoline and diesel sold in our West Texas 
marketing operations, where the average sales prices per gallon of gasoline and diesel sold decreased $0.14 per gallon and $0.22 per gallon, 
respectively.

Operating Costs and Expenses

Cost of Materials and Other

Cost of materials and other was $7,657.2 million for the year ended December 31, 2019, compared to $8,560.5 million for 2018, a decrease of 
$903.3 million, or 10.6%. The net decrease in cost of materials and other primarily related to the following factors:

• 

• 

• 

• 

• 

a decrease in the cost of crude oil feedstocks at the refineries including a decrease in the cost of WTI Cushing crude oil from an average of 
$65.20 per barrel to an average of $56.99, and a decrease in the cost of WTI Midland crude oil from an average of $57.84 per barrel to an 
average of $56.31 per barrel; 

a decrease in RIN expense where ethanol RIN prices averaged $0.17 per RIN compared to $0.31 per RIN in the prior year period;

a decrease in average volumes sold and the cost of refined products in the logistics segment where the average cost per gallon of gasoline 
and diesel purchased decreased $0.15 per gallon and $0.19 per gallon, respectively;

an increase in hedging gains to $22.8 million recognized during 2019 compared to a loss of $0.8 million recognized during 2018; and

the reenactment of the BTC in December 2019 for the 2018 and 2019 periods which resulted in a benefit of $78.0 million during 2019. 

Such decreases were partially offset by:

• 

a prior period benefit of approximately $115.5 million related to a combination of the 2017 RINs waivers and a biodiesel tax credit recognized 
during 2018, whereas 2018 RIN Waivers provided a benefit of $20.7 million in 2019.

Operating Expenses

Operating expenses (included in both cost of sales and other operating expenses) were $682.2 million for the year ended December 31, 2019
compared to $645.0 million in 2018, an increase of $37.2 million, or 5.8%. The increase in operating expenses was primarily driven by the following: 

• 

• 

• 

higher employee related costs primarily across our refining and logistics segment;

higher contract services in our  refining and logistics segments; and

a $16.0 million reduction of operating expenses in 2018 attributed to recoveries received from the settlement of disputed indemnification 
matters related to environmental obligations and asset retirement obligations at the Bakersfield refinery.

Such increases were partially offset by:

reductions in maintenance expense and variable expenses in our refining segment; and

decrease in retail operating expenses due to reduction in number of stores.

• 

• 

67 |

Management's Discussion and Analysis

General and Administrative Expenses

General and administrative expenses were $274.7 million for the year ended December 31, 2019 compared to $247.6 million in 2018, an increase 
of $27.1 million, or 10.9%. The increase was primarily driven by the following factors:

• 

• 

• 

• 

• 

an increase in employee costs driven by higher equity-based compensation and increased headcount;

increases in legal and audit costs associated with various acquisition, investment, litigation and dispute matters;

increases in property and other taxes;

increases in supplies expenses for subscriptions and office related costs; and

increases for various outside service costs.

Depreciation and Amortization

Depreciation and amortization (included in both cost of sales and other operating expenses) was $194.3 million and $199.4 million for the years 
ended December 31, 2019 and 2018, respectively, a decrease of $5.1 million, or 2.6%.

Other Operating Income, Net

Other operating income, net was $2.5 million and $31.3 million for the years ended December 31, 2019 and 2018, respectively, a decrease of 
$28.8 million partially due to lower net gains associated with our Canadian crude trading operations during 2019 compared to 2018.

Non-Operating Expenses

Interest Expense

Interest expense was $131.1 million in the year ended December 31, 2019, compared to $125.9 million for 2018, an increase of $5.2 million, or 
4.1%. The increase was primarily driven by the following:

• 

an increase in net average borrowings outstanding (including the obligations under the supply and offtake agreements which have an associated 
interest charge) of approximately $321.6 million (calculated as a simple average of beginning borrowings/obligations and ending borrowings/
obligations for the period) for the year ended December 31, 2019 compared to the year ended December 31, 2018.

Results from Equity Method Investments

We recognized income from equity method investments of $34.3 million for the year ended December 31, 2019, compared to $9.7 million for the 
year ended December 31, 2018, an increase of $24.6 million. This increase was primarily driven by the following:

• 

• 

• 

an increase in income from our asphalt joint venture from $3.4 million during 2018 to $15.2 million during 2019;

the addition of the Red River Pipeline Joint Venture in May 2019 which contributed income of $8.4 million in 2019; and 

an increase in income from our other logistics joint ventures from $6.2 million during 2018 to $11.5 million during 2019.

Other Non-Operating Expenses, Net

During the year ended December 31, 2018, we incurred certain infrequently occurring expenses/charges that were not incurred during the year 
ended December 31, 2019. These included a $9.1 million loss on extinguishment of debt related to the Refinancing and an impairment loss on 
assets held for sale totaling approximately $27.5 million related to the asphalt assets held for sale. These charges were partially offset by a realized 
gain on the sale of certain asphalt assets totaling $13.3 million, including a gain on the sale of an asphalt equity method investment. See Notes 8
and 11 of the consolidated financial statements in Item 15, Exhibits and Financial Statement Schedules, for additional information.

Income Taxes 

Income tax expense decreased $30.2 million during the years ended December 31, 2019 compared to the same period for 2018, primarily driven 
by the following:

• 

pre-tax income of $402.7 million compared to $485.5 million for the years ended December 31, 2019 and 2018, respectively;

68 |

Management's Discussion and Analysis

• 

a decrease in our effective tax rate which was 17.8% compared to 21.0% for the years ended December 31, 2019 and 2018, respectively, 
primarily due to the following:

the 2019 recognition of the BTC receivable, the majority of which is non-taxable; and 

discrete adjustments that were reported during 2018 for the following:

tax expense associated with the impairment of assets held for sale; and 

changes in valuation allowance attributable to the book-tax basis differences from the Big Spring Logistic Asset Acquisition 
(See Note 6 of our consolidated financial statements included in Item 8, Financial Statements and Supplementary Data, of this 
Annual Report on Form 10-K).

A detailed discussion of the fiscal year 2018 compared to year-over-year changes from fiscal year 2017 can be found in Part II, Item 7, Management's 
Discussion and Analysis, "Results of Operations", of our 2018 Annual Report on Form 10-K, as amended and filed on June 27, 2019.

69 |

 
 
 
 
Refining Segment

The tables and charts below set forth certain information concerning our refining segment operations ($ in millions, except per barrel amounts):

Refining Segment Margins

Management's Discussion and Analysis

Net revenues
Cost of materials and other

Refining Margin

Operating expenses (excluding depreciation and amortization)

Contribution margin
Contribution margin percentage

Factors Impacting Refining Profitability

Year Ended December 31,
2018
2019

$

$

8,798.5
7,544.5
1,254.0
492.4
761.6

$

$

9,610.4
8,279.9
1,330.5
465.4
865.1

8.7%

9.0%

Our profitability in the refining segment is substantially determined by the difference between the cost of the crude oil feedstocks we purchase 
and the price of the refined products we sell, referred to as the "crack spread", "refining margin" or "refined product margin". Refining margin is 
used as a metric to assess a refinery's product margins against market crack spread trends, where "crack spread" is a measure of the difference 
between market prices for crude oil and refined products and is a commonly used proxy within the industry to estimate or identify trends in refining 
margins. 

The cost to acquire feedstocks and the price of the refined petroleum products we ultimately sell from our refineries depend on numerous factors 
beyond our control, including the supply of, and demand for, crude oil, gasoline and other refined petroleum products which, in turn, depend on, 
among other factors, changes in domestic and foreign economies, weather conditions such as hurricanes or tornadoes, local, domestic and 
foreign political affairs, global conflict, production levels, the availability of imports, the marketing of competitive fuels and government regulation. 
Other significant factors that influence our results in the refining segment include operating costs (particularly the cost of natural gas used for fuel 
and the cost of electricity), seasonal factors, refinery utilization rates and planned or unplanned maintenance activities or turnarounds. Moreover, 
while the fluctuations in the cost of crude oil are typically reflected in the prices of light refined products, such as gasoline and diesel fuel, the 
price of other residual products, such as asphalt, coke, carbon black oil and LPG are less likely to move in parallel with crude cost. This could 
cause additional pressure on our realized margin during periods of rising or falling crude oil prices.

Additionally, our margins are impacted by the pricing differentials of the various types and sources of crude oil we use at our refineries and their 
relation to product pricing. Our crude slate is predominantly comprised of WTI crude oil. Therefore, favorable differentials of WTI compared to 
other crude will favorably impact our operating results, and vice versa. Additionally, because of our gathering system presence in the Midland 
area and the significant source of crude specifically from that region into our network, a widening of the WTI Cushing less WTI Midland spread 
will favorably influence the operating margin for our refineries. Alternatively, a narrowing of this differential will have an adverse effect on our 
operating margins. Global product prices are influenced by the price of Brent crude which is a global benchmark crude. Global product prices 
influence product prices in the U.S. As a result, our refineries are influenced by the spread between Brent crude and WTI Midland. The Brent less 
WTI Midland spread represents the differential between the average per barrel price of Brent crude oil and the average per barrel price of WTI 
Midland crude oil. A widening of the spread between Brent and WTI Midland will favorably influence our refineries' operating margins. Also, the 
Krotz Springs refinery is influenced by the spread between Brent crude and LLS. The Brent less LLS spread represents the differential between 
the average per barrel price of Brent crude oil and the average per barrel price of LLS crude oil. A discount in LLS relative to Brent will favorably 
influence the Krotz Springs refinery operating margin.

The cost to acquire the refined fuel products we sell to our wholesale customers in our logistics segment and at our convenience stores in our 
retail segment depends on numerous factors beyond our control, including the supply of, and demand for, crude oil, gasoline and other refined 
petroleum products which, in turn, depend on, among other factors, changes in domestic and foreign economies, weather conditions, domestic 
and foreign political affairs, production levels, the availability of imports, the marketing of competitive fuels and government regulation. Our retail 
merchandise sales are driven by convenience, customer service, competitive pricing and branding. Motor fuel margin is sales less the delivered 
cost of fuel and motor fuel taxes, measured on a cents per gallon basis. Our motor fuel margins are impacted by local supply, demand, weather, 
competitor pricing and product brand.

As part of our overall business strategy, we regularly evaluate opportunities to expand our portfolio of businesses and may at any time be discussing 
or negotiating a transaction that, if consummated, could have a material effect on our business, financial condition, liquidity or results of operations.

70 |

Refinery Statistics

Tyler, TX Refinery
Days in period
Total sales volume - refined product (average barrels per day) (1)
Products manufactured (average barrels per day):

Gasoline
Diesel/Jet
Petrochemicals, LPG, NGLs
Other

Total production

Throughput (average barrels per day):

Crude Oil
Other feedstocks

Total throughput

Per barrel of refined product sales:

Tyler refining margin

Operating expenses

Crude Slate: (% based on amount received in period)

WTI crude oil

East Texas crude oil

Other

El Dorado, AR Refinery
Days in period

Total sales volume - refined product (average barrels per day) (1)

Products manufactured (average barrels per day):

Gasoline

Diesel

Petrochemicals, LPG, NGLs

Asphalt

Other

Total production

Throughput (average barrels per day):

Crude Oil
Other feedstocks

Total throughput

Per barrel of refined product sales:

El Dorado refining margin

Operating expenses

Crude Slate: (% based on amount received in period)

WTI crude oil
Local Arkansas crude oil
Other

71 |

Management's Discussion and Analysis

Year Ended December 31,

2019

2018

365
76,178

40,801
30,673
2,798
1,554
75,826

70,516
5,873

76,389

$

$

14.09

3.91

$

$

365
78,658

42,138
30,035
2,564
1,665
76,402

70,041
6,770

76,811

11.88

3.64

89.0%

11.0%

—%

83.0%

16.3%

0.7%

365

62,420

27,712

20,753

872

5,533

735
55,605

54,420
1,576
55,996

$

$

7.38

5.73

$

$

49.9%
23.1%
27.0%

365

71,381

33,718

24,609

1,228

5,179

732
65,466

65,615
1,313
66,928

8.64

5.22

58.6%
21.2%
20.2%

Refinery Statistics (continued)

Management's Discussion and Analysis

Year Ended
December 31,
2019

Year Ended
December 31,
2018

Big Spring, TX Refinery
Days in period
Total sales volume - refined product (average barrels per day) (1)
Products manufactured (average barrels per day):

Gasoline
Diesel/Jet
Petrochemicals, LPG, NGLs
Asphalt
Other

Total production

Throughput (average barrels per day):

Crude oil

Other feedstocks

Total throughput

Per barrel of refined product sales:

Big Spring refining margin

Operating expenses

Crude Slate: (% based on amount received in period)

WTI crude oil

WTS crude oil

Krotz Springs, LA Refinery
Days in period

Total sales volume - refined product (average barrels per day) (1)

Products manufactured (average barrels per day):

Gasoline

Diesel/Jet

Heavy Oils

Petrochemicals, LPG, NGLs

Other

Total production

Throughput (average barrels per day):

Crude Oil

Other feedstocks

Total throughput

Per barrel of sales:

Krotz Springs refining margin
Operating expenses

Crude Slate: (% based on amount received in period)

WTI Crude
Gulf Coast Sweet Crude

(1)  

Includes inter-refinery sales and sales to other segments which are eliminated in consolidation. See tables below.

72 |

365
76,413

36,352
27,602
3,746
1,870
1,327
70,897

72,039

(453)

71,586

$

$

13.69

4.35

$

$

365
74,721

36,596
26,660
3,646
1,855
1,339
70,096

67,978

1,533

69,511

18.44

4.20

75.5%

24.5%

73.8%

26.2%

365

70,511

35,026

28,049

1,131

4,647

26
68,879

67,943

(366)
67,577

$
$

10.16
4.46

$
$

72.0%
28.0%

365

78,902

36,729

31,459

1,216

7,224

—
76,628

73,171

2,211
75,382

9.48
3.84

61.3%
38.7%

 
 
 
 
 
 
 
 
Included in the refinery statistics above are the following inter-refinery and sales to other segments:

Inter-refinery Sales

(in barrels per day)

Tyler refined product sales to other Delek refineries

El Dorado refined product sales to other Delek refineries

Big Spring refined product sales to other Delek refineries

Krotz Springs refined product sales to other Delek refineries

Refinery Sales to Other Segments

(in barrels per day)

Tyler refined product sales to other Delek segments

El Dorado refined product sales to other Delek segments

Big Spring refined product sales to other Delek segments

Krotz Springs refined product sales to other Delek segments

Pricing Statistics (average for the period presented)

WTI — Cushing crude oil (per barrel)

WTI — Midland crude oil (per barrel)

WTS — Midland crude oil (per barrel)

LLS (per barrel)

Brent crude oil (per barrel)

U.S. Gulf Coast 5-3-2 crack spread (per barrel) (1)

U.S. Gulf Coast 3-2-1 crack spread (per barrel) (1)

U.S. Gulf Coast 2-1-1 crack spread (per barrel) (1)

U.S. Gulf Coast Unleaded Gasoline (per gallon)
Gulf Coast Ultra low sulfur diesel (per gallon)

U.S. Gulf Coast high sulfur diesel (per gallon)
Natural gas (per MMBTU)

Management's Discussion and Analysis

Year Ended December 31,

2019

2018

894

5,039

990

9,734

824

4,583

554

19,644

Year Ended December 31,

2019

2018

252

83

25,223

462

986

562

25,661

—

Year Ended December 31,

2019

2018

$

$

$

$

$

$

$

$

$
$

$
$

56.99

56.31

56.27

62.65

64.14

13.78

16.71

9.90

1.63
1.88

1.76
2.53

$

$

$

$

$

$

$

$

$
$

$
$

65.20

57.84

57.43

70.19

71.69

13.21

16.63

9.58

1.83
2.05

1.92
3.07

(1) 

For our Tyler and El Dorado refineries, we compare our per barrel refining product margin to the Gulf Coast 5-3-2 crack spread consisting of WTI Cushing crude, U.S. Gulf 
Coast CBOB and U.S. Gulf Coast Pipeline No. 2 heating oil (high sulfur diesel). For our Big Spring refinery, we compare our per barrel refined product margin to the Gulf Coast 
3-2-1 crack spread consisting of WTI Cushing crude, Gulf Coast 87 Conventional gasoline and Gulf Coast ultra low sulfur diesel, and for our Krotz Springs refinery, we compare 
our per barrel refined product margin to the Gulf Coast 2-1-1 crack spread consisting of LLS crude oil, Gulf Coast 87 Conventional gasoline and U.S. Gulf Coast Pipeline No. 
2 heating oil (high sulfur diesel). The Tyler refinery's crude oil input is primarily WTI Midland and east Texas, while the El Dorado refinery's crude input is primarily combination 
of WTI Midland, local Arkansas and other domestic inland crude oil. The Big Spring refinery’s crude oil input is primarily comprised of WTS and WTI Midland. The Krotz Springs 
refinery’s crude oil input is primarily comprised of LLS and WTI Midland. The Big Spring and Krotz Springs refineries were acquired July 1, 2017 as part of the Delek/Alon 
Merger, so Gulf Coast 3-2-1 and 2-1-1 crack spreads, LLS and WTS statistics are presented only for the period Delek owned these refineries.

73 |

Management's Discussion and Analysis

Refining  Segment  Operational  Comparison  of  the  Year  Ended  December 31,  2019  versus  the  Year  Ended 
December 31, 2018 

Net Revenues

Net revenues for the refining segment decreased $811.9 million, or 8.4%, in the year ended December 31, 2019 compared to the year ended 
December 31, 2018. The decrease was primarily driven by the following:

• 

• 

decreases in the average price of U.S. Gulf Coast gasoline of 10.7%, ULSD of 8.0%, and HSD of 8.3%; and

decreases in sales volume of refined product totaling 9.0 million barrels due to decreases in sales volumes across all four refineries primarily 
resulting from unit outages and planned downtime, offset by a 9.6 million  barrel increase in purchased product sales across all four refineries 
primarily to compensate for production shortfalls.

Net revenues included sales to our retail segment of $379.6 million and $438.2 million, sales to our logistics segment of $278.3 million and $349.0 
million and sales to our other segment of $44.7 million and $51.8 million for the years ended December 31, 2019 and 2018, respectively.  We 
eliminate this intercompany revenue in consolidation.

Cost of Materials and Other

Cost of materials and other decreased $735.4 million, or 8.9%, in the year ended December 31, 2019 compared to the year ended  December 31, 
2018. This decrease was primarily driven by the following: 

• 

• 

• 

• 

• 

a decrease in refined product sales volume across all refineries;

a decrease in the cost of WTI Cushing crude oil from an average of $65.20 per barrel for 2018 to an average of $56.99 during 2019; 

a decrease in the cost of WTI Midland crude oil, from an average of $57.84 per barrel for 2018 to an average of $56.31 during 2019; 

the net reversal benefit (expense) of $52.3 million related to inventory valuation reserves recognized during 2019 compared to $(51.3) million
recognized during 2018; and

the reenactment of the BTC in December 2019 for the 2018 and 2019 periods which resulted in a benefit of $78.0 million during 2019. 

These decreases were partially offset by the following:

• 

a prior period benefit of approximately $115.5 million related to a combination of the 2017 RIN Waivers and a biodiesel tax credit recognized 
during the year ended December 31, 2018, whereas 2018 RIN Waivers provided a benefit of $20.7 million the same period of 2019.

74 |

Management's Discussion and Analysis

Our refining segment purchases finished product from our logistics segment and has multiple service agreements with our logistics segment 
which, among other things, require the refining segment to pay terminalling and storage fees based on the throughput volume of crude and 
finished product in the logistics segment pipelines and the volume of crude and finished product stored in the logistics segment storage tanks, 
subject to minimum volume commitments. These fees were $218.0 million and $200.4 million during the years ended December 31, 2019 and 
2018, respectively. We eliminate these intercompany fees in consolidation.

Refining Margin

Refining margin decreased by $76.5 million, or 5.7%, for the year ended December 31, 2019 compared to the year ended December 31, 2018, 
with a refining margin percentage of 14.3% as compared to 13.8% for the years ended December 31, 2019 and 2018, respectively, primarily 
driven by the following: 

• 

• 

• 

• 

a narrowing of the discount between WTI Midland crude oil and Brent crude oil where, during the year ended December 31, 2019, the WTI 
Midland crude oil differential to Brent crude oil was an average discount of $7.83 per barrel compared to $13.85 per barrel during the same 
period of 2018; 

a narrowing of the average WTI Cushing crude oil and WTS crude oil to $0.72 during the year ended December 31, 2019, compared to 
$7.77 during the same period of 2018; 

a narrowing of the discount between WTI Midland crude oil compared to WTI Cushing where, during the year ended December 31, 2019, 
the average WTI Midland crude oil differential to WTI Cushing crude oil was $0.68 per barrel compared to $7.36 during the year ended
December 31, 2018; and

a prior period benefit of approximately $115.5 million related to a combination of the 2017 RIN Waivers and a biodiesel tax credit recognized 
during the year ended 2018, whereas 2018 RIN Waivers provided a benefit of $20.7 million the same period of 2019.

These decreases were partially offset by the following:

a 4.3% improvement in the 5-3-2 crack spread (the primary measure for the Tyler refinery and El Dorado refinery); 

a 0.5% improvement in the average Gulf Coast 3-2-1 crack spread (the primary measure for the Big Spring refinery);

a 3.3% improvement in the average Gulf Coast 2-1-1 crack spread (the primary measure for the Krotz Springs refinery); 

the net reversal benefit (expense) of $52.3 million related to inventory valuation reserves recognized during 2019 compared to $(51.3) million
recognized during 2018;

the $78.0 million benefit attributable to the BTC reenactment; and

the benefit attributable to the decrease in RIN prices.

• 

• 

• 

• 

• 

• 

75 |

Management's Discussion and Analysis

Operating Expenses

Operating expenses increased $27.0 million, or 5.8%, in the year ended December 31, 2019, compared to year ended December 31, 2018. The 
increase in operating expenses was primarily driven by the following:

an overall net increase of $18.1 million in outside services costs across the Tyler, Big Spring and Krotz Springs refineries primarily related 
to various unit outages and project studies; 

an increase in employee related costs of $7.9 million across all four refineries; 

a $16.0 million reduction of expenses in 2018 attributed to recoveries received from the settlement of disputed indemnification matters related 
to environmental obligations and asset retirement obligations at the Bakersfield refinery;   

an offsetting decrease of $10.4 million in variable expenses, primarily due to reduced production; and

offsetting reductions in repairs and maintenance expense at the El Dorado, Krotz Springs and Big Spring refineries.

• 

• 

• 

• 

• 

76 |

Management's Discussion and Analysis

Contribution Margin

Contribution margin decreased by $103.5 million, or a 0.3% decline in contribution margin percentage, for the year ended December 31, 2019
compared to the year ended December 31, 2018, primarily driven by the following:

• 

• 

• 

• 

a narrowing of the discount between WTI Cushing and WTS crude oil compared to the prior-year period; 

a narrowing of the discount between WTI Midland and WTI Cushing compared to the prior-year period; 

increase in operating expenses across all refineries; and

a prior period benefit of approximately $115.5 million related to a combination of the 2017 RINs waivers and a biodiesel tax credit recognized 
during 2018, whereas 2018 RIN Waivers provided a benefit of $20.7 million the same period of 2019.

These decreases were partially offset by the following:

• 

• 

• 

• 

an overall improvement in crack spreads: a 3.3% improvement in the average Gulf Coast 2-1-1 crack spread (the primary measure for the 
Krotz Springs refinery), a 4.3% improvement in the 5-3-2 crack spread (the primary measure for the Tyler and El Dorado refineries) and a 
0.5% improvement in the average Gulf Coast 3-2-1 crack spread (the primary measure for the Big Spring refinery);

the net reversal benefit (expense) of $52.3 million related to inventory valuation reserves recognized during 2019 compared to $(51.3) million
recognized during 2018;

the $78.0 million benefit attributable to BTC reenactment; and

the benefit attributable to the decrease in RIN prices.

77 |

Management's Discussion and Analysis

Logistics Segment

The table below sets forth certain information concerning our logistics segment operations ($ in millions, except per barrel amounts):

Logistics Contribution Margin and Operating Information

Net revenues
Cost of materials and other
Operating expenses (excluding depreciation and amortization)

Contribution margin
Operating Information:

East Texas - Tyler Refinery sales volumes (average bpd) (1) 
Big Spring wholesale marketing throughputs (average bpd) (2)
West Texas wholesale marketing throughputs (average bpd)

West Texas wholesale marketing margin per barrel

Terminalling throughputs (average bpd) (3)

Throughputs (average bpd):

Lion Pipeline System:

Crude pipelines (non-gathered)

Refined products pipelines to Enterprise Systems

SALA Gathering System

East Texas Crude Logistics System

(1)      Excludes jet fuel and petroleum coke.

Year Ended December 31,

2019

2018

$

$

$

584.0
336.5
74.1
173.4

$

$

74,206
82,695
11,075

4.44

$

657.6
429.1
58.7
169.8

77,487
81,117
13,323

5.57

160,075

161,284

42,918

37,716

21,869

19,927

51,992

45,728

16,571

15,696

(2)       Throughputs for the year ended December 31, 2018 are for the 306 days we marketed certain finished products produced at or sold from the Big Spring refinery following execution 

of the Big Spring Marketing Agreement, effective March 1, 2018, as defined in Note 6 to our accompanying consolidated financial statements. 

(3)     Consists of terminalling throughputs at our Tyler, Big Spring, Big Sandy and Mount Pleasant, Texas, El Dorado and North Little Rock, Arkansas and Memphis and Nashville, 
Tennessee terminals. Throughputs for the year ended December 31, 2018 for the Big Spring terminal are for 306 days we operated the terminal following its acquisition effective 
March 1, 2018. Barrels per day are calculated for only the days we operated each terminal. Total throughput barrels for the year ended December 31, 2018 was 56.6 million 
barrels, which averaged 155,193 bpd per the period.

78 |

Management's Discussion and Analysis

Logistics  Segment  Operational  Comparison  of  the  Year  Ended  December 31,  2019  versus  the  Year  Ended
December 31, 2018

Net Revenues

Net revenues decreased by $73.6 million, or 11.2%, in the year ended December 31, 2019 compared to the year ended December 31, 2018 
primarily driven by the following:

• 

decreases in the average volumes sold and in the average sales prices per gallon of gasoline and diesel in our West Texas marketing 
operations.

the average volumes of gasoline and diesel sold in 2019 and 2018 decreased by 14.3 million gallons and 21.8 million gallons, respectively.

the average sales prices per gallon of gasoline and diesel sold in 2019 and 2018 decreased by $0.14 per gallon and $0.22 per gallon, 
respectively. 

Such decreases were partially offset by the following events: 

• 

• 

• 

• 

increased revenues associated with the assets we acquired in the Big Spring Logistic Assets Acquisition, which  we owned for the entirety of 
the year ended December 31, 2019 compared to ten months during the year ended December 31, 2018; 

increased revenues associated with our Paline Pipeline as a result of increased rates and a change in the fee structure from the year ended 
December 31, 2018, during which the capacity of the Paline Pipeline was contracted to separate parties for a monthly fee, compared to the 
year ended December 31, 2019, during which the pipeline was subject to a FERC tariff; 

increased revenues associated with the gathering assets as a result of increased throughput due to diversification of market locations during 
the year ended December 31, 2019 compared to the year ended December 31, 2018; and 

increased revenues associated with our trucking assets.   

Net revenues included sales to our refining segment of $254.9 million and $236.0 million for the years ended December 31, 2019 and 2018, 
respectively, and sales to our other segment of $6.1 million and $4.8 million for the years ended December 31, 2019 and 2018, respectively.  We 
eliminate this intercompany revenue in consolidation.

Cost of Materials and Other

Cost of materials and other for the logistics segment decreased by $92.6 million, or 21.6%, in the year ended December 31, 2019 compared to 
the year ended December 31, 2018. This decrease was primarily driven by the following:

• 

decreases in the average volumes sold and in average cost per gallon of gasoline and diesel sold in our West Texas marketing operations.

the average volumes of gasoline and diesel sold in 2019 and 2018 decreased by 14.3 million gallons and 21.8 million gallons, respectively.

the average cost per gallon of gasoline and diesel sold in 2019 and 2018 decreased by $0.15 per gallon and $0.19 per gallon, respectively.

Our logistics segment purchased product from our refining segment of $278.3 million and $349.0 million for the years ended December 31, 2019
and 2018, respectively.  We eliminate these intercompany costs in consolidation.

79 |

 
 
 
 
Management's Discussion and Analysis

Operating Expenses

Operating expenses increased by $15.4 million, or 26.2%, in the year ended December 31, 2019 compared to the year ended December 31, 2018, 
primarily driven by the following:

• 

• 

• 

costs in the amount of $7.1 million associated with the clean-up of a finished product release involving one of our pipelines that occurred in 
October 2019 near Sulphur Springs, Texas; 

higher operating costs associated with allocated contract services pertaining to certain of our assets; and

higher employee costs allocated to us as a result of an increase in allocated employee headcount in various operational groups as Delek 
Logistics continues to experience growth.

These increases were partially offset by:

• 

decreases in variable expenses such as utilities, maintenance and material costs.   

Contribution Margin

Contribution margin increased by $3.6 million, or 2.1%, in the year ended December 31, 2019 compared to the year ended December 31, 2018, 
primarily driven by the following:

• 

• 

increases in revenue generated under the agreements executed in connection with the Big Spring Logistic Assets Acquisition; and 

 increase in revenue associated with the gathering assets.

Such increases were partially offset by the following:

higher operating expenses; and

decreases in the volumes combined with a $1.13 decrease in gross margin per barrel of gasoline and diesel sold in our West Texas marketing 
operations.

• 

• 

80 |

Retail Segment

The tables below sets forth certain information concerning our retail segment operations (gross sales $ in millions):

Retail Contribution Margin and Operating Information

Management's Discussion and Analysis

Net revenues
Cost of materials and other
Operating expenses (excluding depreciation and amortization)

Contribution margin

Operating Information

Number of stores (end of period)

Average number of stores

Retail fuel sales

Retail fuel sales (thousands of gallons)

Average retail gallons per average number of stores (in thousands)

Average retail sales price per gallon sold

Retail fuel margin ($ per gallon)(1)

Merchandise sales

Merchandise sales per average number of stores

Merchandise margin %

Same-Store Comparison (2)

Change in same-store retail fuel gallons sold

Change in same-store merchandise sales

Year Ended
December 31,
2019

Year Ended
December 31,
2018

$

$

838.0
684.7
94.8
58.5

$

$

915.4
755.8
100.7
58.9

Year Ended
December 31,
2019

Year Ended
December 31,
2018

252

266

279

295

524.9

$

214,094

571.6

217,118

827

2.45

0.276

313.1

1.2

$

$

$

$

801

2.63

0.239

339.0

1.1

30.8%

30.9%

$

$

$

$

$

Year Ended
December 31, 2019

2.9 %

(1.0)%

(1) 

(2) 

Retail fuel margin represents gross margin on fuel sales in the retail segment, and is calculated as retail fuel sales revenue less retail fuel cost of sales. The retail fuel margin 
per gallon calculation is derived by dividing retail fuel margin by the total retail fuel gallons sold for the period.

Same-store comparisons include year-over-year increases or decreases in specified metrics for stores that were in service at both the beginning of the year and the end of 
the most recent year used in the comparison.

81 |

 
 
Management's Discussion and Analysis

Retail  Segment  Operational  Comparison  of  the  Year  Ended  December 31,  2019  versus  the  Year  Ended
December 31, 2018

Net Revenues

Net revenues for the retail segment decreased by $77.4 million, or 8.5%, for the year ended December 31, 2019 compared to the year ended 
December 31, 2018, primarily driven by the following:

• 

total fuel sales were $524.9 million for the year ended December 31, 2019 compared to $571.6 million for 2018, attributable to the following:

$22.8 million decrease related to reduction in number of stores period over period;

a $0.18 decrease in average price charged per gallon; and

a slight decrease in total retail fuel gallons sold of 214,094 thousand gallons during 2019 compared to 217,118 thousand gallons in 
2018, attributable to a decrease in volumes associated with the reduction in average number of stores period over period offset by 
same-store sales growth in fuel volumes of 2.9%. 

•  merchandise sales were $313.1 million for the year ended December 31, 2019 compared to $339.0 million for 2018 primarily driven by the 

following:

$23.0 million decrease related to reduction in number of stores period over period; and 

a same-store sales decrease of 1.0%. 

82 |

 
 
 
 
 
Management's Discussion and Analysis

Cost of Materials and Other

Cost of materials and other for the retail segment decreased by $71.1 million, or 9.4%, for the year ended December 31, 2019 compared to the 
year ended December 31, 2018, primarily driven by the following:

• 

• 

$39.4 million decrease due to reduction in number of stores period over period; and

a decrease in average cost per gallon of $0.21 or 9.0% applied to fuel sales volumes that decreased slightly period over period. 

Our retail segment purchased finished product from our refining segment of $379.6 million and $438.2 million for the years ended December 31, 
2019 and 2018, respectively. We eliminate this intercompany cost in consolidation.

Operating Expenses

Operating expenses for the retail segment decreased by $5.9 million, or (5.9)%, for the year ended December 31, 2019 compared to the year 
ended December 31, 2018. This decrease is primarily attributable to a decrease in operating costs associated with the reduction in the number 
of stores.

Contribution Margin

Contribution margin for the retail segment decreased by $0.4 million, a 0.7% decline in contribution margin percentage, for the year ended 
December 31, 2019 compared to the year ended December 31, 2018, primarily driven by a reduction in merchandise margin, partially offset by 
a $0.037 per gallon improvement in the retail fuel margin.

83 |

Management's Discussion and Analysis

Liquidity and Capital Resources 

Our primary sources of liquidity and capital resources are 

• 

• 

• 

cash generated from our operating activities; 

borrowings under our debt facilities; and

potential issuances of additional equity and debt securities. 

At December 31, 2019 our total liquidity amounted to $1.9 billion comprised of $660.2 million in unused credit commitments under the Delek 
Revolving Credit Facility, $261.6 million in unused credit commitments under the DKL Credit Facility and $955.3 million in cash and cash equivalents. 
Historically,  we  have  generated  adequate  cash  from  operations  to  fund  ongoing  working  capital  requirements,  pay  minimum  quarterly  cash 
distributions and operational capital expenditures and expect the same in the foreseeable future. Other funding sources including issuance of 
equity and debt securities have been utilized to meet our funding requirements and support our growth capital projects and acquisitions. In addition 
we have historically been able to source funding at terms that reflect market conditions, our financial position and our credit ratings. We continue 
to monitor market conditions, our financial position and our credit ratings and expect future funding sources to be at terms that are sustainable and 
profitable for the Company.  However, there can be no assurances regarding the availability of any future debt or equity financings or whether such 
financings can be made available on terms that are acceptable to us.

We believe we have sufficient financial resources from the above sources to meet our funding requirements in the next 12 months, including 
working capital requirements, minimum quarterly cash distributions and capital expenditures. At times, we may consider utilizing other financing 
agreements including entering into Joint Venture agreements. 

Cash Flows 

The following table sets forth a summary of our consolidated cash flows (in millions):

Consolidated

Cash Flow Data:

Operating activities

Investing activities

Financing activities

Net (decrease) increase

Year Ended December 31,

2019

2018

$

$

575.2

$

(691.3)

(7.9)

(124.0) $

560.3

(125.3)

(297.6)

137.4

Cash Flows from Operating Activities 

Net cash provided by operating activities was $575.2 million for the year ended December 31, 2019, compared to $560.3 million for the comparable 
period of 2018. Net cash provided by operating activities for 2018 was net of cash used by discontinued operations of $30.1 million. Net cash 
provided by operating activities from continuing operations in 2018 was $590.4 million resulting in a $15.2 million decrease  when compared to 
net cash provided by operating activities from continuing operations for 2019. Cash receipts from customers and cash payments to suppliers and 
for salaries decreased resulting in a net $28.2 million decrease in cash from operating activities mainly due to a decline in the volume of refined 
product sold.  Additionally, cash paid for debt interest increased by $6.1 million. This decrease was partially offset by a $9.7 million decrease in 
cash paid for taxes and a $15.1 million increase in cash received for dividends. 

Cash Flows from Investing Activities

Net cash used in investing activities was $691.3 million for the year ended December 31, 2019, compared to $125.3 million in the comparable 
period of 2018. The increase in cash flows used in investing activities was primarily due to an increase in cash purchases of property, plant and 
equipment expenditures related to turnaround activities, which increased from $322.0 million in 2018, to $413.0 million in 2019, and a $267.2 
million increase in equity method investment contributions in the current year, $124.7 million of which related to our obtaining a 33% membership 
interest in Red River in May 2019 and $126.7 million of which related to our obtaining a 15% interest in the WWP in July 2019. Also contributing 
to this increase was the sale of asphalt assets and discontinued operations in 2018, for which we received proceeds of $110.8 million and $55.5 
million, respectively.

Cash Flows from Financing Activities

Net cash used in financing activities was $7.9 million for the year ended December 31, 2019, compared to $297.6 million in the comparable 2018
period. Contributing to this decrease was a decrease in repurchase of common stock to $178.1 million for the year ended December 31, 2019
compared to $365.3 million in the comparable 2018 period, a decrease in repayments of product financing arrangements to $22.2 million for the 

84 |

 
 
 
 
Management's Discussion and Analysis

year ended December 31, 2019 compared to $72.4 million in the comparable 2018 period, an increase in term loan net proceeds of $399.7 million
for the year ended December 31, 2019 compared to term loan net payments of $135.7 million in the comparable 2018 period, as well as proceeds 
from product financing arrangements of $40.8 million during the year ended December 31, 2019; there were no such proceeds in the comparable 
2018 period.  The decrease in net cash used by financing activities was partially offset by the decrease in net proceeds received during 2019 from 
long-term revolvers due to completion of the Refinancing transaction as well as the additional borrowings used to fund the Big Spring Logistic 
Assets Acquisition during the year ended December 31, 2018. We made net payments on long-term revolvers of $118.3 million during 2019 
compared to proceeds received of $444.8 million in 2018.  

Debt Overview

As of December 31, 2019, we had total indebtedness of approximately $2,067.1 million comprised of $1,069.5 million under the Term Loan Credit 
Facility,  $588.4 million under the Delek Logistics Credit Facility, $244.7 million in Delek Logistics Notes, $30.0 million under the Revolving Credit 
Facility, $50.0 million under the Reliant Revolver, $45.0 million in Promissory Notes and the $39.5 million Hapoalim Term Loan. The increase of  
$283.8 million compared to the balance at December 31, 2018 resulted primarily from the additional borrowings under the Term Loan Credit Facility 
and the Delek Logistics Credit Facility in 2019.

On March 30, 2018, Delek entered into a term loan credit agreement with Wells Fargo Bank, National Association, as administrative agent, and 
certain subsidiaries of Delek as guarantors, providing for a senior secured term loan facility in an amount of $700.0 million (the "Term Loan Credit 
Facility") which was amended on May 22, 2019 to borrow $250.0 million in incremental term loans at an original issue discount of 0.75%, and again  
on November 12, 2019 to borrow an additional $150.0 million in incremental term loans at an original issue discount of 1.21%. In addition to the 
Term Loan Credit Facility, on March 30, 2018 we also entered into a second amended and restated credit agreement with Wells Fargo Bank, 
National Association, as administrative agent and certain subsidiaries of Delek as guarantors, providing for a senior secured asset-based revolving 
credit facility with commitments of $1.0 billion (the "Revolving Credit Facility" and, together with the Term Loan Credit Facility, the "New Credit 
Facilities").

On December 18, 2019, we amended the Revolving Credit Facility to increase the letter of credit sub-limit under the facility from $300.0 million to 
$400.0 million, including letters of credit denominated in Canadian dollars of up to $10.0 million.  

The Revolving Credit Facility will mature and the commitments thereunder will terminate on March 30, 2023. The Term Loan Credit Facility matures 
on March 30, 2025 and requires scheduled quarterly principal payments on the last business day of the applicable quarter which, as of December 31, 
2019, were $2.75 million. Additionally, the Term Loan Credit Facility requires prepayments by Delek with the net cash proceeds from certain debt 
incurrences, asset dispositions and insurance or condemnation events with respect to Delek’s assets, subject to certain exceptions, thresholds 
and reinvestment rights. The Term Loan Credit Facility also requires annual prepayments with a variable percentage of Delek’s excess cash flow, 
ranging from 50% to 0% depending on Delek’s consolidated fiscal year end secured net leverage ratio. Delek may also make voluntarily prepayments 
under the Term Loan Credit Facility at any time, subject to a prepayment premium of 1.0% in connection with certain customary repricing events 
that may occur within six months after the Second Incremental Effective Date, with no premium applied after six months.

The obligations of the borrowers under the New Credit Facilities are guaranteed by Delek and each of its direct and indirect, existing and future, 
wholly-owned domestic subsidiaries, subject to customary exceptions and limitations, and excluding Delek Logistics Partners, LP, Delek Logistics 
GP, LLC, and each subsidiary of the foregoing (collectively, the "MLP Subsidiaries"). Borrowings under the New Credit Facilities are also guaranteed 
by DK Canada Energy ULC, a British Columbia unlimited liability company and a wholly-owned restricted subsidiary of Delek.

The Revolving Credit Facility is secured by a first priority lien over substantially all of Delek’s and each guarantor's receivables, inventory, RINs, 
instruments, intercompany loan receivables, deposit and securities accounts and related books and records  and certain other personal property, 
subject to certain customary exceptions (the "Revolving Priority Collateral"), and a second priority lien over substantially all of Delek's and each 
guarantor's other assets, including all of the equity interests of any subsidiary held by Delek or any guarantor (other than equity interests in certain 
MLP Subsidiaries) subject to certain customary exceptions, but excluding real property (such real property and equity interests, the "Term Priority 
Collateral").

The Term Loan Credit Facility is secured by a first priority lien on the Term Priority Collateral and a second priority lien on the Revolving Priority 
Collateral. Certain excluded assets are not included in the Term Priority Collateral and the Revolving Priority Collateral.

At December 31, 2019, the weighted average borrowing rate under the Revolving Credit Facility was 5.0% and was comprised entirely of a base 
rate borrowing and the principal amount outstanding thereunder was $30.0 million. Additionally, there were letters of credit issued of approximately 
$309.8 million as of December 31, 2019 under the Revolving Credit Facility.  Unused credit commitments under the Revolving Credit Facility, as 
of December 31, 2019, were approximately $660.2 million. 

At December 31, 2019, the weighted average borrowing rate under the Term Loan Credit Facility was approximately 4.05% comprised entirely of 
a LIBOR borrowing and the principal amount outstanding thereunder was $1,085.5 million. As of  December 31, 2019, the effective interest rate 
related to the Term Loan Credit Facility was 4.37%. 

On December 31, 2019, Delek entered into a term loan credit and guaranty agreement with BHI as the administrative agent. Pursuant to the 
Agreement, Delek borrowed $40.0 million (the"BHI Term Loan"). The interest rate under the Agreement is equal to LIBOR plus a margin of 3.00%. 
The Agreement has a maturity of December 31, 2022 and requires quarterly loan amortization payments of $0.1 million, commencing March 31, 

85 |

Management's Discussion and Analysis

2020. Proceeds may be used for general corporate purposes. The Agreement has an accordion feature that allows increasing the term loan to 
maximum size of $100.0 million, subject to receiving increased or new commitments from lenders and the satisfaction of certain other conditions. 
Any such additional borrowings must be completed by December 31, 2021. At December 31, 2019, the weighted average borrowing rate under 
the term loan was approximately 4.80% comprised entirely of a LIBOR borrowing and the principal amount outstanding thereunder was $40.0 
million. As of  December 31, 2019, the effective interest rate related to the BHI Term Loan was 5.31%.

In September 2018, Delek Logistics entered into a third amended and restated senior secured revolving credit agreement with Fifth Third as 
administrative agent (hereafter, the "Delek Logistics Credit Facility") with commitments of $850 million. The obligations under the Delek Logistics 
Credit Facility are secured by first priority liens on substantially all of the Delek Logistics' and its subsidiaries' tangible and intangible assets.  
Additionally, Delek Marketing & Supply, LLC ("Delek Marketing"), a subsidiary of Delek Holdings, continues to provide a limited guaranty of Delek 
Logistics' obligations under the Delek Logistics Credit Facility.  Delek Marketing's guaranty is (i) limited to an amount equal to the principal amount, 
plus unpaid and accrued interest, of a promissory note made by Delek Holdings in favor of Delek Marketing (the "Holdings Note") and (ii) secured 
by Delek Marketing's pledge of the Holdings Note to the lenders under the Delek Logistics Credit Facility.  As of December 31, 2019, the principal 
amount of the Holdings Note was $102.0 million.  

The Delek Logistics Credit Facility has a maturity date of September 28, 2023 and allows borrowings in either U.S. dollars or Canadian dollars.  
Borrowings denominated in U.S. dollars bear interest at either the U.S. dollar prime rate, plus an applicable margin, or LIBOR, plus an applicable 
margin, at the election of the borrowers.  Borrowings denominated in Canadian dollars bear interest at either a Canadian dollar prime rate, plus 
an applicable margin, or the Canadian Dealer Offered Rate, plus an applicable margin, at the election of the borrowers. At December 31, 2019, 
the weighted average interest rate for borrowings under the Delek Logistics Credit Facility was approximately 4.7%.  Additionally, the Delek Logistics 
Credit Facility requires us to pay a leverage ratio dependent quarterly fee on the average unused revolving commitment.  As of December 31, 
2019, this fee was 0.50% per year. 

On May 23, 2017, Delek Logistics and Delek Logistics Finance Corp., a Delaware corporation and a wholly owned subsidiary of Delek Logistics 
(“Finance Corp.” and together with Delek Logistics, the “Issuers”), issued $250.0 million in aggregate principal amount of 6.75% senior notes due 
2025 (the “2025 Notes”) at a discount.  The 2025 Notes are general unsecured senior obligations of the Issuers and rank equal in right of payment 
with all existing and future senior indebtedness of the Issuers, and senior in right of payment to any future subordinated indebtedness of the Issuers. 
Interest on the 2025 Notes is payable semi-annually in arrears on each May 15 and November 15.  

At any time prior to May 15, 2020, the Issuers may redeem up to 35% of the aggregate principal amount of the 2025 Notes with the net cash 
proceeds of one or more equity offerings by Delek Logistics at a redemption price of 106.750% of the redeemed principal amount, plus accrued 
and unpaid interest, if any, subject to certain conditions and limitations.  Prior to May 15, 2020, the Issuers may redeem all or part of the 2025 
Notes, at a redemption price of the principal amount, plus accrued and unpaid interest, if any, plus a "make whole" premium, subject to certain 
conditions and limitations.  In addition, beginning on May 15, 2020, the Issuers may, subject to certain conditions and limitations, redeem all or 
part of the 2025 Notes at a redemption price of 105.063% of the redeemed principal for the twelve-month period beginning on May 15, 2020, 
103.375% for the twelve-month period beginning on May 15, 2021, 101.688% for the twelve-month period beginning on May 15, 2022 and 100%
beginning on May 15, 2023 and thereafter, plus accrued and unpaid interest, if any. In the event of a change of control, accompanied or followed 
by a ratings downgrade within a certain period of time, subject to certain conditions and limitations, the Issuers will be obligated to make an offer 
for the purchase of the 2025 Notes from holders at a price equal to 101% of the principal amount thereof, plus accrued and unpaid interest.  

Delek has an unsecured revolving credit agreement with Reliant Bank (the "Reliant Bank Revolver"). On December 16, 2019, we amended the 
Reliant Bank Revolver to extend the maturity date from June 28, 2020 to June 30, 2022, reduce the fixed interest rate from 4.75% to 4.50% per 
annum and increase the revolver commitment amount from $30.0 million to $50.0 million. 

Delek has four notes payable (the "Promissory Notes") with various assignees of Alon Israel Oil Company, Ltd., the holder of a predecessor 
consolidated promissory note, which bear interest at a fixed rate of 5.50% per annum and which, collectively, require annual principal amortization 
payments of $25.0 million through 2020 followed by a final principal amortization payment of $20.0 million at maturity on January 4, 2021.  

We believe we were in compliance with our covenants in all debt facilities as of December 31, 2019. See Note 11 to our accompanying consolidated 
financial statements in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K for a complete discussion of 
our third-party indebtedness.

86 |

Management's Discussion and Analysis

Capital Spending 

A key component of our long-term strategy is our capital expenditure program. Our capital expenditures for the year ended December 31, 2019
were $428.1 million, of which approximately $266.6 million was spent in our refining segment, $9.9 million in our logistics segment, $20.5 million
in our retail segment and $131.1 million at the holding company level. The following table summarizes our actual capital expenditures for 2019
and planned capital expenditures for 2020 by operating segment and major category (in millions): 

Year Ended December 31,

2020 Forecast

2019 Actual

Refining

Logistics

Retail

Other

Sustaining maintenance, including turnaround activities
Regulatory
Discretionary projects

Refining segment total

Regulatory

Sustaining maintenance

Discretionary projects

Logistics segment total

Regulatory
Sustaining maintenance
Discretionary projects

Retail segment total

Regulatory

Sustaining maintenance

Discretionary projects (1)(2)

Other total

Total capital spending

$

$

141.2
56.2
7.8
205.2

7.6

9.8

5.3

22.7

—
3.0
23.2
26.2

0.7

13.6

57.3

71.6

$

325.7

$

168.3
62.3
36.0
266.6

4.1

4.8

1.0

9.9

—
3.5
17.0
20.5

1.1

2.0

128.0

131.1

428.1

(1)  Excludes a $65 million discretionary project to build a connector to the WWP pipeline, for which we have secured pre-approved committed financing from the 

WWP members. 

(2)  Excludes purchases of rights-of-way in the amount of $19.1 million in 2019.

The amount of our capital expenditure budget is subject to change due to unanticipated increases in the cost, scope and completion time for our 
capital projects and subject to the changes and uncertainties discussed under the 'Forward-Looking Statements' section of Item 7, Management 
Discussion and Analysis, of this Annual Report on Form 10-K.  For further information, please refer to our discussion in Item 1A, Risk Factors, of 
this Annual Report on Form 10-K.

87 |

Contractual Obligations and Commitments 

Information regarding our known contractual obligations of the types described below as of December 31, 2019, is set forth in the following table 
(in millions):

Management's Discussion and Analysis

<1 Year

1-3 Years

Payments Due by Period
3-5 Years

>5 Years

Long term debt and notes payable obligations
Interest(1)
Operating lease commitments(2)
Purchase commitments(3)
Transportation agreements(4)
Total

$

$

36.4
96.7
50.2
—
109.3
292.6

$

$

131.6
186.8
72.6
—
207.2
598.2

$

$

640.4
140.4
42.5
—
129.8
953.1

$

$

1,280.5
18.7
61.9
—
83.0
1,444.1

$

$

Total

2,088.9
442.6
227.2
—
529.3
3,288.0

(1) Expected interest payments on debt outstanding at December 31, 2019. Floating interest rate debt is calculated using December 31, 2019 rates. For additional information, see 

Note 11 to the consolidated financial statements in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K.

(2) Amounts reflect future estimated lease payments under operating leases having remaining non-cancelable terms in excess of one year as of December 31, 2019.
(3) We have supply agreements to secure certain quantities of crude oil, finished product and other resources used in production at both fixed and market prices. We have estimated 
future payments under the market-based agreements using current market rates. Excludes purchase commitments in buy-sell transactions which have matching notional amounts 
with the same counterparty and are generally net settled.

(4) Balances consist of contractual obligations under agreements with third parties (not including Delek Logistics) for the transportation of crude oil to our refineries.

Off-Balance Sheet Arrangements

We have no material off-balance sheet arrangements through the date of this Annual Report on Form 10-K.

88 |

Management's Discussion and Analysis

Accounting Standards

Critical Accounting Policies and Estimates

The fundamental objective of financial reporting is to provide useful information that allows a reader to comprehend our business activities. We 
prepare our consolidated financial statements in conformity with GAAP, and in the process of applying these principles, we must make judgments, 
assumptions and estimates based on the best available information at the time. To aid a reader's understanding, management has identified our 
critical accounting policies. These policies are considered critical because they are both most important to the portrayal of our financial condition 
and results, and require our most difficult, subjective or complex judgments. Often they require judgments and estimation about matters which are 
inherently uncertain and involve measuring at a specific point in time, events which are continuous in nature. Actual results may differ based on 
the accuracy of the information utilized and subsequent events, some over which we may have little or no control.

LIFO Inventory

The Tyler refinery's inventory consists of crude oil, refined petroleum products and blendstocks which are stated at the lower of cost or market. 
Cost is determined under the last-in, first-out LIFO valuation method. The LIFO method requires management to make estimates on an interim 
basis of the anticipated year-end inventory quantities, which could differ from actual quantities.

We believe the accounting estimate related to the establishment of anticipated year-end LIFO inventory is a critical accounting estimate, because 
it requires management to make assumptions about future production rates in the Tyler refinery, the future buying patterns of our customers, as 
well as numerous other factors beyond our control, including the economic viability of the general economy, weather conditions, the availability of 
imports, the marketing of competitive fuels and government regulation. The impact of changes in actual performance versus these estimates could 
be material to the inventories reported on our quarterly balance sheets, and the impact on the results reported in our quarterly statements of income 
could be material. In selecting assumed inventory levels, we use historical trending of production and sales, recognition of current market indicators 
of future pricing and value and new regulatory requirements which might impact inventory levels. Management's assumptions require significant 
judgment because actual year-end inventory levels have fluctuated in the past and may continue to do so.

At each year-end, actual physical inventory levels are used to calculate both ending inventory balances and final cost of materials and other for 
the year.

Property, Plant and Equipment and Other Intangibles Impairment

Property, plant and equipment and other intangibles are evaluated for impairment whenever indicators of impairment exist. Accounting standards 
require that if an impairment indicator is present, we must assess whether the carrying amount of the asset is unrecoverable by estimating the 
sum of the future cash flows expected to result from the asset, undiscounted and without interest charges. We derive the required undiscounted 
cash flow estimates from our historical experience and our internal business plans. We use quoted market prices when available and our internal 
cash flow estimates discounted at an appropriate interest rate to determine fair value, as appropriate. If the carrying amount is more than the 
recoverable amount, an impairment charge must be recognized based on the fair value of the asset. Our assessment did not result in impairment 
during the years ended December 31, 2019, 2018 or 2017.

Goodwill and Potential Impairment

Goodwill in an acquisition represents the excess of the aggregate purchase price over the fair value of the identifiable net assets. Goodwill is 
reviewed at least annually for impairment, or more frequently if indicators of impairment exist, such as disruptions in our business, unexpected 
significant declines in operating results or a sustained market capitalization decline. Goodwill is evaluated for impairment by comparing the carrying 
amount of the reporting unit to its estimated fair value. Prior to the adoption of Accounting Standard Update ("ASU") 2017-04, Simplifying the Test 
for Goodwill Impairment, if a reporting unit's carrying amount exceeds its fair value (Step 1), the impairment assessment leads to the testing of the 
implied fair value of the reporting unit's goodwill to its carrying amount (Step 2). If the implied fair value is less than the carrying amount, a goodwill 
impairment charge is recorded. Subsequent to adoption of ASU 2017-04 (which we adopted during the fourth quarter of 2018, as permitted by the 
ASU), Step 2 is no longer required, but rather any impairment is determined based on the results of Step 1. 

In assessing the recoverability of goodwill, assumptions are made with respect to future business conditions and estimated expected future cash 
flows to determine the fair value of a reporting unit. We may consider inputs such as a market participant weighted average cost of capital ("WACC"), 
estimated growth rates for revenue, forecasted crack spreads, gross margin, capital expenditures, and long-term growth rate based on history and 
our best estimate of future forecasts, all of which are subject to significant judgment and estimates. We may also corroborate the fair values of the 
reporting units using a multiple of expected future cash flows, such as those used by third-party analysts. If these estimates and assumptions 
change in the future, due to factors such as a decline in general economic conditions, sustained decrease in the crack spreads, competitive 
pressures on sales and margins and other economic and industry factors beyond management's control, an impairment charge may be required. 
The most significant risks to our valuation and the potential future impairment of goodwill are the WACC and the volatility of the crack spread, 
which is based on the crude oil and the refined product markets. The crack spread is often unpredictable and may negatively impact our results 
of operations in ways that cannot be anticipated and that are beyond management's control. 

89 |

Management's Discussion and Analysis

Our annual assessment of goodwill did not result in impairment during the years ended December 31, 2019, 2018 or 2017. All reporting have fair 
values that are substantially in excess of its carrying values except for the Big Spring reporting unit. This reporting unit consists primarily of our 
Big Spring Refinery and has a $528.0 million goodwill balance, for which the calculated excess fair value represented 11.9% of carrying value. Its 
fair  value  is  significantly  driven  by  the  WACC  and  the  forecasted  crack  spreads. As  described  above,  both  of  these  assumptions  are  often 
unpredictable and are beyond management's control. We note an increase in more than 1% in the WACC may result in an impairment. Therefore, 
any sustained adverse changes to these assumptions may result in a material impairment charge for a portion or all of the goodwill balance. Details 
of remaining goodwill balances by segment are included in Note 18 to the consolidated financial statements in Item 8, Financial Statements and 
Supplementary Data, of this Annual Report on Form 10-K.

Environmental Liabilities

It is our policy to accrue environmental and clean-up related costs of a non-capital nature when it is both probable that a liability has been incurred 
and  the  amount  can  be  reasonably  estimated.  Environmental  liabilities  represent  the  current  estimated  costs  to  investigate  and  remediate 
contamination at sites where we have environmental exposure. This estimate is based on assessments of the extent of the contamination, the 
selected remediation methodology and review of applicable environmental regulations, typically considering estimated activities and costs for 
15 years, and up to 30 years if a longer period is believed reasonably necessary. Such estimates may require judgment with respect to costs, time 
frame and extent of required remedial and clean-up activities. Accruals for estimated costs from environmental remediation obligations generally 
are recognized no later than completion of the remedial feasibility study and include, but are not limited to, costs to perform remedial actions and 
costs of machinery and equipment that are dedicated to the remedial actions and that do not have an alternative use. Such accruals are adjusted 
as further information develops or circumstances change. We discount environmental liabilities to their present value if payments are fixed or 
reliably determinable. Expenditures for equipment necessary for environmental issues relating to ongoing operations are capitalized.

Changes in laws and regulations and actual remediation expenses compared to historical experience could significantly impact our results of 
operations and financial position. We believe the estimates selected, in each instance, represent our best estimate of future outcomes, but the 
actual outcomes could differ from the estimates selected.

Asset Retirement Obligations

Delek recognizes liabilities which represent the fair value of a legal obligation to perform asset retirement activities, including those that are 
conditional on a future event, when the amount can be reasonably estimated. If a reasonable estimate cannot be made at the time the liability is 
incurred, we record the liability when sufficient information is available to estimate the liability’s fair value.

In the refining segment, we have asset retirement obligations with respect to our refineries due to various legal obligations to clean and/or dispose 
of these assets at the time they are retired. However, the majority of these assets can be used for extended and indeterminate periods of time 
provided that they are properly maintained and/or upgraded. It is our practice and intent to continue to maintain these assets and make improvements 
based on technological advances. In the logistics segment, these obligations relate to the required cleanout of the pipeline and terminal tanks and 
removal of certain above-grade portions of the pipeline situated on right-of-way property. In the retail segment, we have asset retirement obligations 
related to the removal of underground storage tanks and the removal of brand signage at owned and leased retail sites which are legally required 
under the applicable leases. The asset retirement obligation for storage tank removal on leased retail sites is accreted over the expected life of 
the owned retail site or the average retail site lease term.

In order to determine fair value, management must make certain estimates and assumptions including, among other things, projected cash flows, 
a credit-adjusted risk-free rate and an assessment of market conditions that could significantly impact the estimated fair value of the asset retirement 
obligations. We believe the estimates selected, in each instance, represent our best estimate of future outcomes, but the actual outcomes could 
differ from the estimates selected.

New Accounting Pronouncements

See Note 2 to the consolidated financial statements in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-
K for a discussion of new accounting pronouncements applicable to us.

90 |

Management's Discussion and Analysis

Non-GAAP Measures

Our  management  uses  certain  “non-GAAP”  operational  measures  to  evaluate  our  operating  segment  performance  and  non-GAAP  financial 
measures to evaluate past performance and prospects for the future to supplement our GAAP financial information presented in accordance with 
U.S. GAAP. These financial and operational non-GAAP measures are important factors in assessing our operating results and profitability and 
include:

• 

• 

• 

Refining margin - calculated as the difference between net refining revenues and total cost of materials and other;

Refined product margin - calculated as the difference between net revenues attributable to refined products (produced and purchased) and 
related cost of materials and other (which is applicable to both the refining segment and the West Texas wholesale marketing activities within 
our logistics segment); and

Refining margin per barrels sold - calculated as refining margin divided by our average refining sales in barrels per day (excluding purchased 
barrels) multiplied by 1,000 and multiplied by the number of days in the period.

We believe these non-GAAP operational and financial measures are useful to investors, lenders, ratings agencies and analysts to assess our 
ongoing performance because, when reconciled to their most comparable GAAP financial measure, they provide improved comparability between 
periods through the exclusion of certain items that we believe are not indicative of our core operating performance and they may obscure our 
underlying results and trends.

Non-GAAP measures have important limitations as analytical tools, because they exclude some, but not all, items that affect net earnings and 
operating income. These measures should not be considered substitutes for their most directly comparable U.S. GAAP financial measures.

The following table provides a reconciliation of refining margin to the most directly comparable U.S. GAAP measure, gross margin:

Reconciliation of refining margin to gross margin

Refining Segment

Net revenues

Cost of sales

Gross margin

Add back (items included in cost of sales):

Operating expenses (excluding depreciation and amortization)

Depreciation and amortization

Refining margin

Year Ended December 31,

2019

2018

2017

$

8,798.5

$

9,610.4

$

8,171.2

627.3

492.4

134.3

8,879.0

731.4

465.4

133.7

$

1,254.0

$

1,330.5

$

6,620.6

6,279.1

341.5

317.7

109.2

768.4

91 |

Management's Discussion and Analysis

ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Changes in commodity prices (mainly crude oil and unleaded gasoline) and interest rates are our primary sources of market risk. When we make 
the decision to manage our market exposure, our objective is generally to avoid losses from adverse price changes, realizing we will not obtain 
the gains of beneficial price changes.

Impact of Changing Prices

Our revenues and cash flows, as well as estimates of future cash flows, are sensitive to changes in energy prices. Major shifts in the cost of crude 
oil, the prices of refined products and the cost of ethanol can generate large changes in the operating margin in each of our segments.

We maintain, at both company-owned and third-party facilities, inventories of crude oil, feedstocks and refined petroleum products, the values of 
which are subject to wide fluctuations in market prices driven by world economic conditions, regional and global inventory levels and seasonal 
conditions. At December 31, 2019 and 2018, we held approximately 3.7 million and 3.7 million barrels, respectively, of crude and product inventories 
associated with the Tyler refinery valued under the LIFO valuation method, with an average cost of $61.56 and $48.79 per barrel, respectively. At 
December 31, 2019 and 2018, the excess of replacement cost over the carrying value (LIFO) of refinery inventories was $14.9 million and $1.5 
million, respectively. At December 31, 2019 and 2018, we held approximately 9.4 million and 8.5 million barrels, respectively, of crude and product 
inventories associated with the El Dorado, Big Spring and Krotz Springs refineries valued under the FIFO valuation method, with an average cost 
of $63.25 and $50.56 per barrel, respectively. Due to a lower crude oil and refined product pricing environment, market prices have declined to a 
level below the average cost of our inventories. At December 31, 2019, we recorded a pre-tax inventory valuation reserve of $1.7 million, $1.2 
million of which related to LIFO inventory, which is subject to reversal in subsequent periods, not to exceed LIFO cost, should market prices recover. 
At December 31, 2018, we recorded a pre-tax inventory valuation reserve of $54.0 million, of which $39.4 million related to LIFO inventory, which 
is subject to reversal in subsequent periods, not to exceed LIFO cost, when those physical inventory quantities are sold. For the years ended 
December 31, 2019, 2018 and 2017, we recognized net inventory valuation (losses) gains of $37.6 million, $(52.5) million and $14.0 million, 
respectively, which were recorded as a component of cost of materials and other in the consolidated statements of income.

From time to time, we also may enter into forward purchase or sale derivative contracts for trading purposes (primarily in our Canadian business) 
and, as a result, may have trading investment commodities on hand related to the purchased inventory. Such derivative contracts and related 
investment commodities are recorded at fair value and subject to pricing risk each period with changes in fair value reflected in other operating 
income (expense) in the profit and loss section of our consolidated financial statements. For the years ended December 31, 2019 and 2018, all of 
our forward contracts that were accounted for as derivative instruments consisted of contracts related to our Canadian trading activities. There 
were no forward contract transactions that were accounted for as derivatives for the years ended December 31, 2017.

Price Risk Management Activities

At times, we enter into the following instruments/transactions in order to manage our market-indexed pricing risk: commodity derivative contracts 
which we use to manage our price exposure to our inventory positions, future purchases of crude oil and ethanol, future sales of refined products 
or to fix margins on future production; and future commitments to purchase or sell RINs at fixed prices and quantities, which are used to manage 
the costs associated with our RINs obligations and meet the definition of derivative instruments under ASC 815. In accordance with ASC 815, all 
of these commodity contracts and future purchase commitments are recorded at fair value, and any change in fair value between periods has 
historically been recorded in the profit and loss section of our consolidated financial statements.  Occasionally, at inception, the Company will elect 
to designate the commodity derivative contracts as cash flow hedges under ASC 815. Gains or losses on commodity derivative contracts accounted 
for as cash flow hedges are recognized in other comprehensive income on the consolidated balance sheets and, ultimately, when the forecasted 
transactions are completed in net revenues or cost of materials and other in the consolidated statements of income. 

92 |

Management's Discussion and Analysis

The following table sets forth information relating to our open commodity derivative contracts, excluding our trading derivative contracts (which are 
presented separately below), as of December 31, 2019 ($ in millions).

Contract Description

Contracts not designated as hedging

instruments:

Total Outstanding

Notional Contract Volume by Year of Maturity

Fair Value

Notional Contract
Volume

2020

2021

2022

2023

2024

7.4

(19.3)

26,542,000

21,222,000

5,320,000

26,471,000

21,151,000

5,320,000

3.0

13,484,000

13,219,000

265,000

(20.7)

(2.7)

0.2

1.9

9.0
(21.2)

(2.1)

3.6

1.5

$

$

16,907,000

16,532,000

375,000

26,347,500

26,347,500

13,702,500

13,702,500

—

—

122,500,000

122,500,000

122,500,000

24,500,000
270,454,000

24,500,000
259,174,000

24,500,000
158,280,000

300,000

300,000

300,000

600,000

300,000

600,000

—

—

—

Crude oil price swaps - long(1)

$

Crude oil price swaps - short(1)

Inventory, refined product and crack 

spread swaps - long(1)

Inventory, refined product and crack 

spread swaps - short(1)

Natural gas swaps - long(2)

Natural gas swaps - short(2)

RIN commitment contracts - long(3)

RIN commitment contracts - short(3)
Total

Contracts designated as cash flow

hedging instruments:

Inventory, refined product and crack 

spread swaps - long(1)

Inventory, refined product and crack 

spread swaps - short(1)

Total

(1) Volume in barrels.
(2) Volume in MMBTU.
(3) Volume in RINs.

Interest Rate Risk

—

—

—

—

—

—

—

—
—

—

—

—

—

—

—

—

—

—

—

—
—

—

—

—

—

—

—

—

—

—
—

—

—

—

We have market exposure to changes in interest rates relating to our outstanding floating rate borrowings, which totaled approximately $1,743.9 
million as of December 31, 2019. The annualized impact of a hypothetical one percent change in interest rates on our floating rate debt outstanding 
as of December 31, 2019 would be to change interest expense by approximately $17.4 million.

LIBOR Transition

LIBOR is a commonly used indicative measure of the average interest rate at which major global banks could borrow from one another. The United 
Kingdom’s Financial Conduct Authority, which regulates LIBOR, has publicly announced that it intends to discontinue the reporting of LIBOR rates 
after 2021. Certain of our agreements use LIBOR as a “benchmark” or “reference rate” for various terms. Some agreements contain an existing 
LIBOR alternative. Where there is not an alternative, we expect to replace the LIBOR benchmark with an alternative reference rate. While we do 
not expect the transition to an alternative rate to have a significant impact on our business or operations, it is possible that the move away from 
LIBOR could materially impact our borrowing costs on our variable rate indebtedness.

93 |

Management's Discussion and Analysis

Commodity Derivatives Trading Activities

In the first half of 2018, we entered into active trading positions in a variety of commodity derivatives, which include forward physical contracts, 
swap contracts, and futures contracts. These contracts are classified as held for trading and are recognized at fair value with changes in fair value 
recognized in the income statement. Trading activities are undertaken by using a range of contract types in combination to create incremental 
gains by capitalizing on crude oil supply and pricing seasonality. These contracts had remaining durations of less than one year as of December 31, 
2019.

The following table sets forth information relating to commodity derivative contracts held for trading purposes as of December 31, 2019.

Contract Description
Over the counter forward sales contracts

Notional contract volume (1)
Weighted-average market price (per barrel)
Contractual volume at fair value (in millions)
Over the counter forward purchase contracts

Notional contract volume (1)

Weighted-average market price (per barrel)

Contractual volume at fair value (in millions)

(1)   Volume in barrels.

Less than 1
year

1,293,474
34.31
44.4

1,186,591

33.97

40.3

$
$

$

$

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

The information required by Item 8 is incorporated by reference to the section beginning on page F-1.

ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL 
DISCLOSURE

None. 

ITEM 9A.  CONTROLS AND PROCEDURES

Disclosure Controls and Procedures

We maintain disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e)) under the Exchange Act that are designed to 
provide reasonable assurance that the information that we are required to disclose in the reports we file or submit under the Exchange Act is 
recorded, processed, summarized and reported within the time periods specified in the SEC's rules and forms, and such information is accumulated 
and communicated to our management, including our Chief Executive Officer and Chief Financial Officer, as appropriate, to allow timely decisions 
regarding required disclosure. It should be noted that, because of inherent limitations, our disclosure controls and procedures, however well 
designed and operated, can provide only reasonable, and not absolute, assurance that the objectives of the disclosure controls and procedures 
are met. 

As required by paragraph (b) of Rule 13a-15 under the Exchange Act, we carried out an evaluation under the supervision and with the participation 
of our management, including our Chief Executive Officer and our Chief Financial Officer, of the effectiveness of the design and operation of our 
disclosure controls and procedures as of the end of the period covered by this report. Based on such evaluation, our Chief Executive Officer and 
our Chief Financial Officer have concluded that our disclosure controls and procedures were effective as of the end of the period covered by this 
report. 

Management's Annual Report on Internal Control over Financial Reporting

Our management is responsible for establishing and maintaining adequate internal control over financial reporting. Our internal control over financial 
reporting is a process that is designed under the supervision of our Chief Executive Officer and Chief Financial Officer, and effected by our Board 
of Directors, management and other personnel, to provide reasonable assurance regarding the reliability of financial reporting and the preparation 
of financial statements for external purposes in accordance with GAAP. Our internal control over financial reporting includes those policies and 
procedures that: 

• 

Pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of our assets; 

94 |

Controls and Procedures, and Other Information

• 

• 

Provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with 
GAAP and that receipts and expenditures recorded by us are being made only in accordance with authorizations of our management and 
Board of Directors; and 

Provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of our assets that could 
have a material effect on our financial statements. 

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any 
evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that 
the degree of compliance with the policies and procedures may deteriorate. 

Management has conducted its evaluation of the effectiveness of internal control over financial reporting as of December 31, 2019, based on the 
framework in Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission. 
Management's  assessment  included  an  evaluation  of  the  design  of  our  internal  control  over  financial  reporting  and  testing  the  operational 
effectiveness of our internal control over financial reporting. Management reviewed the results of the assessment with the Audit Committee of the 
Board of Directors. Based on its assessment and review with the Audit Committee, management concluded that, at December 31, 2019, we 
maintained effective internal control over financial reporting.

Report of Independent Registered Public Accounting Firm

Our independent registered public accounting firm, Ernst & Young LLP, has audited the effectiveness of our internal control over financial reporting 
as of December 31, 2019, as stated in their report, which is included in the section beginning on page F-1. 

The information required by Item 8 is incorporated by reference to the section beginning on page F-1. 

Changes in Internal Control over Financial Reporting

There has been no change in our internal control over financial reporting (as described in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) 
during the quarter ended December 31, 2019 that has materially affected, or is reasonably likely to materially affect, our internal control over 
financial reporting.

ITEM 9B. OTHER INFORMATION

Dividend Declaration

On February 24, 2020, Delek's Board of Directors voted to declare a quarterly cash dividend of $0.31 per share, payable on March 24, 2020, to 
stockholders of record on March 10, 2020.

95 |

Directors, Executive Officers, Corporate Governance and Security Ownership

PART III 

ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

Our Board Governance Guidelines, our charters for our Audit, Compensation, Nominating and Corporate Governance and Environmental, Health 
and Safety Committees and our Code of Business Conduct & Ethics covering all employees, including our principal executive officer, principal 
financial officer, principal accounting officer and controllers, are available on our website, www.DelekUS.com, under the "About Us - Corporate 
Governance" caption.  A print copy of any of these documents will be mailed upon a written request made by a stockholder to the Secretary, Delek 
US Holdings, Inc. 7102 Commerce Way, Brentwood, Tennessee 37027. We intend to disclose any amendments to or waivers of the Code of 
Business Conduct & Ethics on behalf of our Chief Executive Officer, Chief Financial Officer and persons performing similar functions on our website, 
at www.DelekUS.com, under the "Investor Relations" caption, promptly following the date of any such amendment or waiver.

The information required by Item 401 of Regulation S-K regarding directors will be included under "Election of Directors" in the definitive Proxy 
Statement  for  our Annual  Meeting  of  Stockholders  to  be  held  May 5,  2020  (the  "Definitive  Proxy  Statement"),  and  is  incorporated  herein  by 
reference. The information required by Item 401 of Regulation S-K regarding executive officers will be included under "Corporate Governance" in 
the Definitive Proxy Statement and is incorporated herein by reference. The information required by Item 405 of Regulation S-K will be included 
under "Section 16(a) Beneficial Ownership Reporting Compliance" in the Definitive Proxy Statement and is incorporated herein by reference.  The 
information required by Items 406, 407(c)(3), (d)(4), and (d)(5) of Regulation S-K will be included under "Corporate Governance" in the Definitive 
Proxy Statement and is incorporated herein by reference.

ITEM 11. EXECUTIVE COMPENSATION

The information required by Item 402 and paragraphs (e)(4) and (e)(5) of Item 407 of Regulation S-K will be included under "Executive Compensation" 
and "Corporate Governance" in the Definitive Proxy Statement and is incorporated herein by reference.

ITEM  12.  SECURITY  OWNERSHIP  OF  CERTAIN  BENEFICIAL  OWNERS  AND  MANAGEMENT  AND  RELATED 
STOCKHOLDER MATTERS

The information required by Item 201(d) and Item 403 of Regulation S-K will be included under "Equity Compensation Plan Information" and 
"Security Ownership of Certain Beneficial Owners and Management" in the Definitive Proxy Statement and is incorporated herein by reference.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE

The information required by Item 404 of Regulation S-K will be included under "Certain Relationships and Related Transactions" in the Definitive 
Proxy Statement and is incorporated herein by reference.

The information required by Item 407(a) of Regulation S-K will be included under "Election of Directors" and "Corporate Governance" in the Definitive 
Proxy Statement and is incorporated herein by reference.

ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES

The information required by this item will be included under “Independent Public Accountants” in the Definitive Proxy Statement and is incorporated 
herein by reference.

96 |

Financial Statements and Schedules

ITEM 15.  EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

(a) Certain Documents Filed as Part of this Annual Report on Form 10-K:

PART IV

1.  Financial Statements. The accompanying Index to Financial Statements on page F-1 of this Annual Report on Form 10-K is provided in 

response to this item.

2.  List of Financial Statement Schedules. All schedules are omitted because the required information is either not present, not present in material 

amounts, included within the Consolidated Financial Statements or is not applicable.

3.  Exhibits - See below.

97 |

Financial Statements and Schedules

EXHIBIT INDEX 

Exhibit No.
2.1

<

<

#

*

*

*

*

*

*

*

*

2.2

2.3

2.4

2.5

2.6

2.7

3.1

3.2

4.1

4.2

4.3

10.1

10.2(a)

10.2(b)

10.2(c)

10.2(d)

10.2(e)

10.2(f)

10.2(g)

10.3

10.4

Description
Stock  Purchase Agreement between Alon Israel  Oil  Company, LTD, and  Delek  US  Holdings,  Inc.,  dated April 14,  2015 
(incorporated by reference to Exhibit 99.3 to the Schedule 13D filed by the Company on May 26, 2015). 
Equity Purchase Agreement dated August 27, 2016 by and between Delek US Holdings, Inc., Copec Inc. and Compañía de 
Petróleos de Chile COPEC S.A. (incorporated by reference to Exhibit 2.1 to the Company's Form 8-K filed on September 1, 
2016).
Agreement and Plan of Merger dated as of January 2, 2017, among Delek US Holdings, Inc., Delek Holdco, Inc., Dione 
Mergeco, Inc., Astro Mergeco, Inc. and Alon USA Energy, Inc. (incorporated by reference to Exhibit 2.1 to the Company's 
Form 8-K filed on January 3, 2017).
First Amendment to Agreement and Plan of Merger dated as of February 27, 2017, among Delek US Holdings, Inc., Delek 
Holdco, Inc., Dion Mergeco, Inc., Astro Mergeco, Inc., and Alon USA Energy, Inc. (incorporated by reference to Exhibit 2.6 to 
the Company’s Form 10-K filed on February 28, 2017).
Second Amendment to Agreement and Plan of Merger dated as of April 21, 2017, among Delek US Holdings, Inc., Delek 
Holdco, Inc., Dion Mergeco, Inc., Astro Mergeco, Inc., and Alon USA Energy, Inc. (incorporated by reference to Annex B-2 to 
the Company’s Proxy Statement/Prospectus filed pursuant to Rule 424(b)(3) on May 30, 2017).
Agreement and Plan of Merger dated as of November 8, 2017, among Delek US Holdings, Inc., Sugarland Mergeco, LLC, 
Alon USA Partners, LP, and Alon USA Partners GP, LLC (incorporated by reference to Exhibit 2.1 to the Company’s Form 8-
K filed on November 9, 2017).

Asset Purchase Agreement, dated as of February 26, 2018, by and among DKL Big Spring, LLC, Delek US Holdings, Inc., 
Alon USA Partners, LP, Alon USA GP II, Alon USA Delaware, LLC, Alon USA Refining, LLC, and Alon USA, LP (incorporated 
by reference herein to Exhibit 2.1 to the Company's Current Report on Form 8-K filed on March 2, 2018, File No. 001-38142).

Amended and Restated Certificate of Incorporation (incorporated by reference to Exhibit 3.1 of the Company’s Quarterly 
Report on Form 10-Q filed on May 9, 2019).

Amended and Restated Bylaws of Delek US Holdings, Inc. (incorporated by reference to Exhibit 3.3 of the Company’s Form 
8-K filed on July 3, 2017).

Indenture, dated as of May 23, 2017, among Delek Logistics, LP, Delek Logistics Finance Corp., the Guarantors named therein 
and U.S. Bank, National Association, as trustee (incorporated by reference to Exhibit 4.1 to the Partnership's Form 8-K filed 
on May 24, 2017, SEC File No. 001-35721).

Form of 6.750% Senior Notes due 2025 (included as Exhibit A in Exhibit 4.1).

Description of Common Stock

Form of Indemnification Agreement for Directors and Officers (incorporated by reference to Exhibit 10.3 to the Company's 
Registration Statement on Form S-1/A, filed on April 20, 2006, SEC File No. 333-131675).

Delek US Holdings, Inc. 2006 Long-Term Incentive Plan (as amended through May 4, 2010) (incorporated by reference to 
Exhibit 10.1 to the Company's Form 10-Q filed on May 7, 2010, SEC File No. 001-32868).

Form of Delek US Holdings, Inc. 2006 Long-Term Incentive Plan Restricted Stock Unit Agreement (incorporated by reference 
to Exhibit 10.13(a) to the Company's Registration Statement on Form S-1/A, filed on April 20, 2006, SEC File No. 333-131675).

Director Form of Delek US Holdings, Inc. 2006 Long-Term Incentive Plan Stock Option Agreement (incorporated by reference 
to Exhibit 10.13(b) to the Company's Registration Statement on Form S-1/A, filed on April 20, 2006, SEC File No. 333-131675).
Officer Form of Delek US Holdings, Inc. 2006 Long-Term Incentive Plan Stock Option Agreement (incorporated by reference 
to Exhibit 10.13(c) to the Company's Registration Statement on Form S-1/A, filed on April 20, 2006, SEC File No. 333-131675).

Director Form of Delek US Holdings, Inc. 2006 Long-Term Incentive Plan Stock Appreciation Rights Agreement (incorporated 
by reference to Exhibit 10.5 to the Company's Form 10-Q filed on August 6, 2010, SEC File No. 001-32868).

Employee Form of Delek US Holdings, Inc. 2006 Long-Term Incentive Plan Stock Appreciation Rights Agreement (incorporated 
by reference to Exhibit 10.4 to the Company's Form 10-Q filed on August 6, 2010, SEC File No. 001-32868).

Form of Delek US Holdings, Inc. 2006 Long-Term Incentive Plan Performance Restricted Stock Unit Agreement (incorporated 
by reference to Exhibit 10.4 to the Company's Form 10-Q filed on August 7, 2014, SEC File No. 001-32868).

Tyler Throughput and Tankage Agreement, dated July 26, 2013, between Delek Refining, Ltd. and Delek Marketing & Supply, 
LP (incorporated by reference to Exhibit 10.1 to the Company's Form 8-K filed on August 1, 2013).
Pipelines and Tankage Agreement, dated November 7, 2012, by and between Delek Refining, Ltd. and Delek Crude Logistics, 
LLC  (incorporated  by  reference  to  Exhibit  10.4  to  the  Company's  Form  8-K  filed  on  November  14,  2012,  SEC  File  No. 
001-32868).

98 |

Financial Statements and Schedules

10.5

10.6(a)

++

10.6(b)

10.6(c)

~

10.7(a)

10.7(b)

10.8(a)

10.8(b)

10.9(a)

10.9(b)

10.9(c)

10.9(d)

10.9(e)

10.9(f)

10.10(a)

10.10(b)

10.10(c)

10.10(d)

10.10(e)

10.10(f)

*

*

*

*

*

*

*

*

*

*

*

*

*

Pipelines and Storage Facilities Agreement, dated November 7, 2012, by and among Lion Oil Company, Delek Logistics 
Partners, LP, SALA Gathering Systems, LLC, El Dorado Pipeline Company, LLC, Magnolia Pipeline Company, LLC and J. 
Aron & Company (incorporated by reference to Exhibit 10.5 to the Company's Form 8-K filed on November 14, 2012, SEC 
File No. 001-32868).

Second Amended and Restated Master Supply and Offtake Agreement dated February 27, 2017 among J. Aron & Company, 
Lion Oil Company, and Lion Oil Trading & Transportation, LLC (incorporated by reference to Exhibit 10.1 to the Company's 
Form 10-Q filed on May 9, 2017).
Amendment to Second Amended and Restated Master Supply and Offtake Agreement dated January 3, 2019 among J. Aron 
& Company, Lion Oil Company, and Lion Oil Trading & Transportation, LLC (incorporated by reference to Exhibit 10.2 to the 
Company’s Quarterly Report on Form 10-Q filed on May 9, 2019).
Amendment to Second Amended and Restated Supply and Offtake Agreement dated September 19, 2019, by and between 
Lion Oil Company and J. Aron & Company LLC (incorporated by reference to Exhibit 10.5 to the Company’s Quarterly Report 
on Form 10-Q filed on November 8, 2019).
El Dorado Throughput and Tankage Agreement, executed as of February 10, 2014, between Lion Oil Company and Delek 
Logistics Operating LLC, and, for limited purposes, J. Aron & Company (incorporated by reference to Exhibit 10.1 to the 
Company's Form 8-K filed on February 14, 2014).
Amendment to El Dorado Throughput and Tankage Agreement, executed as of July 22, 2016 but effective as of February 11, 
2014,  between  Lion  Oil  Company  and  Delek  Logistics  Operating  LLC,  and,  for  limited  purposes,  J.  Aron  &  Company 
(incorporated by reference to Exhibit 10.4 to the Company's Form 10-Q filed on August 5, 2016).
Third Amended and Restated Omnibus Agreement, dated as of March 31, 2015, among Delek US Holdings, Inc., Lion Oil 
Company, Delek Logistics Operating, LLC, Delek Marketing & Supply, LP, Delek Refining, Ltd., Delek Logistics Partners, LP, 
Paline  Pipeline  Company,  LLC,  SALA  Gathering  Systems,  LLC,  Magnolia  Pipeline  Company,  LLC,  El  Dorado  Pipeline 
Company, LLC, Delek Crude Logistics, LLC, Delek Marketing-Big Sandy, LLC, DKL Transportation, LLC and Delek Logistics 
GP, LLC (incorporated by reference to Exhibit 10.1 to the Company's Form 10-Q filed on May 7, 2015).
First Amendment to Third Amended and Restated Omnibus Agreement, dated as of August 3, 2015, by and among Delek US 
Holdings, Inc., Lion Oil Company, Delek Logistics Operating, LLC, Delek Marketing & Supply, LP, Delek Refining, Ltd., Delek 
Logistics Partners, LP, Paline Pipeline Company, LLC, SALA Gathering Systems, LLC, Magnolia Pipeline Company, LLC, El 
Dorado Pipeline Company, LLC, Delek Crude Logistics, LLC, Delek Marketing-Big Sandy, LLC, DKL Transportation, LLC and 
Delek Logistics GP, LLC (incorporated by reference to Exhibit 10.5 to the Company's Form 10-Q filed on August 5, 2015).

Delek  US  Holdings,  Inc.  2016  Long-Term  Incentive  Plan  (incorporated  by  reference  to  Exhibit  99.1  to  the  Company's 
Registration Statement on Form S-8 filed on June 1, 2016).

First Amendment to the Delek US Holdings, Inc. 2016 Long-Term Incentive Plan, effective May 8, 2018 (incorporated by 
reference to Exhibit 10.2 to the Company's Registration Statement on Form S-8 filed on May 31, 2018).

General Terms and Conditions for Restricted Stock Unit Awards to Executive Officers and Directors under the 2016 Delek 
US Holdings, Inc. Long-Term Incentive Plan (incorporated by reference to Exhibit 10.5 to the Company's Form 10-Q filed on 
August 5, 2016).

General Terms and Conditions for Stock Appreciation Right Awards to Executive Officers and Directors under the 2016 Delek 
US Holdings, Inc. Long-Term Incentive Plan (incorporated by reference to Exhibit 10.6 to the Company's Form 10-Q filed on 
August 5, 2016).

Form of Delek US Holdings, Inc. 2016 Long-Term Incentive Plan Performance Restricted Stock Unit Agreement (incorporated 
by reference to Exhibit 10.29(c) to the Company’s Form 10-K filed February 28, 2017).

Form of Delek US Holdings, Inc. 2016 Long-Term Incentive Plan Restricted Stock Unit Agreement (incorporated by reference 
to Exhibit 10.29(d) to the Company’s Form 10-K filed February 28, 2017).
Alon USA Energy, Inc. Second Amended and Restated 2005 Incentive Compensation Plan (incorporated by reference to 
Exhibit 10.2 to Alon USA Energy, Inc.’s Form 10-Q filed on May 9, 2012, SEC File No. 001-32567). 
Form of Restricted Stock Award Agreement relating to Director Grants pursuant to Section 12 of the Alon USA Energy, Inc. 
2005 Incentive Compensation Plan (incorporated by reference to Exhibit 10.1 to Alon USA Energy, Inc.’s Form 8-K filed on 
August 5, 2005, SEC File No. 001-32567).

Form of Restricted Stock Award Agreement relating to Participant Grants pursuant to Section 8 of the Alon USA Energy, Inc. 
2005 Incentive Compensation Plan (incorporated by reference to Exhibit 10.1 to Alon USA Energy, Inc.’s Form 8-K filed on 
August 23, 2005, SEC File No. 001-32567).
Form II of Restricted Stock Award Agreement relating to Participant Grants pursuant to Section 8 of the Alon USA Energy, 
Inc. 2005 Incentive Compensation Plan (incorporated by reference to Exhibit 10.3 to Alon USA Energy, Inc.’s Form 8-K filed 
on November 8, 2005, SEC File No. 001-32567).
Alon USA Energy, Inc. Form of Restricted Stock Award Agreement (incorporated by reference to Exhibit 10.1 to Alon USA 
Energy, Inc.’s Form 8-K filed on January 12, 2017, SEC File No. 001-32567).
Form of Appreciation Rights Award Agreement relating to Participant Grants pursuant Section 7 of the Alon USA Energy, Inc. 
2005 Incentive Compensation Plan (incorporated by reference to Exhibit 10.1 to Alon USA Energy, Inc.’s Form 8-K filed on 
March 12, 2007, SEC File No. 001-32567).

99 |

Financial Statements and Schedules

10.10(g)

10.10(h)

*

*

10.11(a)

++

10.11(b)

10.11(c)

~

10.11(d)

~

10.12(a)

++

10.12(b)

~

10.12(c)

~

10.13

++

*

*

*

*

*

*

10.14

10.15

10.16

10.17

10.18

10.19

10.20

10.21

10.22

Form of Amendment to Appreciation Rights Award Agreement relating to Participant Grants pursuant to Section 7 of the Alon 
USA Energy, Inc. 2005 Incentive Compensation Plan (incorporated by reference to Exhibit 10.2 to Alon USA Energy, Inc.’s 
Form 8-K filed on January 27, 2010, SEC File No. 001-32567).
Form of Award Agreement relating to Executive Officer Restricted Stock Grants pursuant to the Alon USA Energy, Inc. 2005 
Amended and Restated Incentive Compensation Plan (incorporated by reference to Exhibit 10.2 to Alon USA Energy, Inc.’s 
Form 8-K filed on May 9, 2011, SEC File No. 001-32567).
Second Amended and Restated Supply and Offtake Agreement dated February 1, 2015  by and between Alon Refining Krotz 
Springs, Inc. and J. Aron & Company (incorporated by reference to Exhibit 10.3 to Alon USA Energy, Inc.’s Form 10-Q filed 
on May 8, 2015, SEC File No. 001-32567).
Amendment to Second Amended and Restated Supply and Offtake Agreement dated as of January 13, 2017 between Alon 
Refining Krotz Springs, Inc. and J. Aron & Company (incorporated by reference to Exhibit 10.53 to Alon USA Energy, Inc.’s 
Form 10-K filed on February 27, 2017, SEC File No. 001-32567).
Amendment to Second Amended and Restated Supply and Offtake Agreement dated January 2, 2019 by and between Alon 
Refining Krotz Springs, Inc. and J. Aron & Company (incorporated by reference to Exhibit 10.1 to the Company’s Quarterly 
Report on Form 10-Q filed on May 9, 2019).
Amendment to Second Amended and Restated Supply and Offtake Agreement dated September 19, 2019, by and between 
Alon Refining Krotz Springs, Inc. and J. Aron & Company LLC (incorporated by reference to Exhibit 10.3 to the Company’s 
Quarterly Report on Form 10-Q filed on November 8, 2019).
Second Amended and Restated Supply and Offtake Agreement by and between Alon USA, LP and J. Aron & Company dated 
February 1, 2015 (incorporated by reference to Exhibit 10.1 to Alon USA Energy, Inc.’s Form 10-Q filed on May 8, 2015, SEC 
File No. 001-32567).

Amendment No. 4 to Second Amended and Restated Supply and Offtake Agreement dated December 26, 2018 by and 
between Alon USA, LP and J. Aron & Company (incorporated by reference to Exhibit 10.21(b) to the Company’s Annual Report 
on Form 10-K filed on March 1, 2019).

Amendment to Second Amended and Restated Supply and Offtake Agreement dated September 19, 2019, by and between 
Alon USA, LP and J. Aron & Company LLC (incorporated by reference to Exhibit 10.4 to the Company’s Quarterly Report on 
Form 10-Q filed on November 8, 2019).

Amended and Restated Supply and Offtake Agreement by and between J. Aron & Company and Alon Supply, Inc., dated 
February 1, 2015 (incorporated by reference to Exhibit 10.2 to Alon USA Energy, Inc.’s Form 10-Q filed on May 8, 2015, SEC 
File No. 001-32567).

Executive Employment Agreement, effective November 1, 2017, by and between Delek US Holdings, Inc. and Ezra Uzi Yemin 
(incorporated by reference to Exhibit 10.3 to the Company's Form 10-Q filed on November 9, 2017).

Executive Employment Agreement, effective November 1, 2016, by and between Delek US Holdings, Inc. and Frederec C. 
Green (incorporated by reference to Exhibit 10.1 to the Company's Form 8-K filed on November 17, 2016).

Employment Agreement, effective November 1, 2016, by and between Delek US Holdings, Inc. and Avigal Soreq (incorporated 
by reference to Exhibit 10.39 to the Company's Form 10-K filed on February 28, 2017).

Employment Agreement, effective June 1, 2017, by and between Delek US Holdings, Inc. and Assaf Ginzburg (incorporated 
by reference to Exhibit 10.2 to the Company's Form 10-Q filed on November 3, 2016).

Executive Employment Agreement, effective May 21, 2018, by and between Delek US Holdings, Inc. and Regina Bynote 
Jones (incorporated by reference to Exhibit 10.1 to the Company's Form 8-K filed on May 25, 2018).

Executive Employment Agreement, effective August 6, 2018, by and between Delek US, Energy, Inc. and Louis LaBella 
(incorporated by reference to Exhibit 10.38 to the Company's Form 10-K filed on March 1, 2019).
Pipelines, Storage and Throughput Facilities Agreement (Big Spring Refinery Logistics Assets and Duncan Terminal), dated 
March 20, 2018 and effective as of March 1, 2018, by and among Alon USA, LP, DKL Big Spring, LLC, for the limited purposes 
specified therein, Delek US, and for the limited purposes specified therein, J. Aron & Company LLC (incorporated by reference 
to Exhibit 10.1 to the Company's Form 8-K filed on March 26, 2018).
Big Spring Asphalt Services Agreement, dated March 20, 2018 and effective as of March 1, 2018, by and among Alon USA, 
LP, DKL Big Spring, LLC, for the limited purposes specified therein, Delek US, and for the limited purposes specified therein, 
J. Aron & Company LLC (incorporated by reference to Exhibit 10.2 to the Company's Form 8-K filed on March 26, 2018). 
Marketing Agreement, dated as of March 20, 2018 and effective as of March 1, 2018, by and among Alon USA, LP, DKL Big 
Spring,  LLC,  and  for  the  limited  purposes  specified  therein,  Delek  US  (incorporated  by  reference  to  Exhibit  10.3  to  the 
Company's Form 8-K filed on March 26, 2018). 

100 |

Financial Statements and Schedules

10.23

10.24(a)

10.24(b)

10.24(d)

10.24(c)

10.24(d)

10.25

10.26

10.27

10.28

10.29
10.30
10.31

10.32
21.1

23.1
31.1

31.2

32.1

Amendment and Restatement of Schedules to Third Amended and Restated Omnibus Agreement, dated March 20, 2018 and 
effective as of March 1, 2018, by and among Delek US Energy, Inc. (f/k/a Delek US Holdings, Inc.), Delek Refining, Ltd., Lion 
Oil Company, Delek Logistics Partners, LP, Paline Pipeline Company, LLC, SALA Gathering Systems, LLC, Magnolia Pipeline 
Company, LLC, El Dorado Pipeline Company, LLC, Delek Crude Logistics, LLC, Delek Marketing-Big Sandy, LLC, Delek 
Marketing & Supply, LP, DKL Transportation, LLC, Delek Logistics Operating, LLC, Delek US Holdings, Inc. (f/k/a Delek Holdco, 
Inc.), Alon USA Partners, LP, Alon USA GP II, LLC, Alon USA Delaware, LLC,Alon USA Refining, LLC, Alon USA, LP, Alon 
Paramount Holdings, Inc., DKL Big Spring, LLC, and Delek Logistics GP, LLC (incorporated by reference to Exhibit 10.4 to 
the Company's Form 8-K filed on March 26, 2018).
Term Loan Credit Agreement, dated as of March 30, 2018, by and among Delek US Holdings, Inc., as borrower, the lenders 
from time to time party thereto, Wells Fargo Bank, National Association, as administrative agent for each member of the 
Lender Group, Wells Fargo Securities, LLC, Barclays Bank PLC, SunTrust Robinson Humphrey, Inc., and Regions Capital 
Markets, a division of Regions Bank, each as a joint lead arranger and joint bookrunner, and The Bank of Tokyo-Mitsubishi, 
Ltd., Credit Suisse Securities (USA) LLC, PNC Capital Markets LLC and Fifth Third Bank, each as a co-manager (incorporated 
by reference to Exhibit 10.1 to the Company's Form 8-K filed on April 5, 2018).
First Incremental Amendment to Term Loan Credit Agreement, dated as of May 22, 2019, by and among Delek US Holdings, 
Inc., as borrower, the guarantors party thereto, the lenders party thereto, and Wells Fargo Bank, National Association, as 
administrative agent (incorporated by reference to Exhibit 10.1 to the Company's Form 8-K filed on May 29, 2019).
Second Incremental Amendment to Term Loan Credit Agreement, dated as of November 12, 2019, by and among Delek US 
Holdings, Inc., as borrower, the guarantors party thereto, the lenders party thereto, and Wells Fargo Bank, National Association, 
as administrative agent (incorporated by reference to Exhibit 10.1 to the Company's Form 8-K filed on November 15, 2019).
Amendment No. 1 to Term Loan Credit Agreement, dated as of October 26, 2018 by and among Delek US Holdings, Inc., as 
borrower, the guarantors thereto, the lenders from time to time party thereto and Wells Fargo Bank, National Association, as 
administrative agent LLC (incorporated by reference to Exhibit 10.6 to the Company’s Quarterly Report on Form 10-Q filed 
on November 8, 2019).
Second Incremental Amendment to Term Loan Credit Agreement, dated as of November 12, 2019, by and among Delek US 
Holdings, Inc., as borrower, the guarantors party thereto, the lenders party thereto, and Wells Fargo Bank, National Association, 
as administrative agent (incorporated by reference to Exhibit 10.1 to the Company’s Form 8-K filed on November 15, 2019).
Second Amended and Restated Credit Agreement, dated as of March 30, 2018, by and among Delek US Holdings, Inc., as 
borrower, the lenders from time to time party thereto, Wells Fargo Bank, National Association, as administrative agent for 
each member of the Lender Group and the Bank Product Providers, the Subsidiaries of Delek US Holdings, Inc. from time to 
time party thereto, as guarantors, Wells Fargo, Barclays Bank PLC, Regions Capital Markets, a division of Regions Bank, 
and SunTrust Robinson Humphrey, Inc., each as a joint lead arranger and joint book runner, Barclays Bank PLC, Regions 
Bank, and SunTrust Bank, each as a co-syndication agent, and Fifth Third Bank, The Bank of Tokyo-Mitsubishi UFJ, Ltd., 
PNC  Bank,  National  Association,  and  Credit  Suisse  AG,  Cayman  Islands  Branch,  each  as  a  co-documentation  agent 
(incorporated by reference to Exhibit 10.2 to the Company's Form 8-K filed on April 5, 2018).

First Amendment to Second Amended and Restated Credit Agreement, dated as of May 14, 2018, by and among Delek US 
Holdings, Inc., as borrower, Wells Fargo Bank, National Association, as administrative agent for each member of the Lender 
Group and the Bank Product Providers and the lenders from time to time party thereto (incorporated by reference to Exhibit 
10.1 to the Company’s Quarterly Report on Form 10-Q filed on November 8, 2019).

Second Amendment to Second Amended and Restated Credit Agreement, dated as of July 13, 2018, by and among Delek 
US Holdings, Inc., as borrower, Wells Fargo Bank, National Association, as administrative agent for each member of the 
Lender Group and the Bank Product Providers and the lenders from time to time party thereto (incorporated by reference to 
Exhibit 10.2 to the Company’s Quarterly Report on Form 10-Q filed on November 8, 2019).

Third Amended and Restated Limited Liability Company Agreement of Wink to Webster Pipeline LLC, a Delaware limited 
liability company, dated as of July 30, 2019, by and among Delek US Energy, Inc., ExxonMobil Permian Logistics LLC, Plains 
Pipeline, L.P., MPLX W2W Pipeline Holdings, LLC, Centurion Permian Logistics, LLC, and Rattler Midstream Operating LLC 
(incorporated by reference to Exhibit 10.1 to the Company's Form 8-K filed on August 5, 2019).

#
#
#

#
#

#
#

#

##

J Aron Amendment Early Termination Election, dated November 7, 2019.
J Aron Amendment Early Termination Election, dated November 7, 2019.
Third Amendment to Second Amended and Restated Credit Agreement, dated October 18, 2019.

Forth Amendment to Second Amended and Restated Credit Agreement, dated December 18, 2019.
Subsidiaries of the Registrant.

Consent of Ernst & Young LLP.
Certification of the Company's Chief Executive Officer pursuant to Rule 13a-14(a)/15d-14(a) under the Securities Exchange 
Act.
Certification of the Company's Chief Financial Officer pursuant to Rule 13a-14(a)/15d-14(a) under the Securities Exchange 
Act.
Certification of the Company's Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 
906 of the Sarbanes-Oxley Act of 2002.

101 |

32.2

##

Financial Statements and Schedules

the  Company's  Chief  Financial  Officer  pursuant 

Certification  of 
adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
The following materials from Delek US Holdings, Inc.’s Annual Report on Form 10-K for the annual period ended December 
31,  2019,  formatted  in  iXBRL  (Inline  eXtensible  Business  Reporting  Language):  (i)  Consolidated  Balance  Sheets  as  of 
December 31, 2019 and 2018, (ii) Consolidated Statements of Income for the years ended December 31, 2019, 2018 and 
2017, (iii) Consolidated Statements of Comprehensive Income for the years ended December 31, 2019, 2018 and 2017, (iv) 
Consolidated Statements of Changes in Stockholders’ Equity for the years ended December 31, 2019, 2018 and 2017, (v) 
Consolidated Statements of Cash Flows for the years ended December 31, 2019, 2018 and 2017 and (vi) Notes to Consolidated 
Financial Statements.

to  18  U.S.C.  Section  1350,  as

Cover Page Interactive Data File formatted in iXBRL (Inline eXtensible Business Reporting Language) and contained in Exhibit 
101.

Management contract or compensatory plan or arrangement.

Filed herewith. 

Furnished herewith. 

Certain schedules have been omitted pursuant to Item 601(b)(2) of Regulation S-K. The Company agrees to supplementally furnish a copy of any of 
the omitted schedules to the United States Securities and Exchange Commission upon request.

Confidential treatment has been requested and granted with respect to certain portions of this exhibit pursuant to Rule 24b-2 of the Securities Exchange 
Act of 1934, as amended. Omitted portions have been filed separately with the United States Securities and Exchange Commission.

101

104

* 

# 

## 

< 

++ 

~                Certain confidential information contained in these exhibits has been omitted because it (i) is not material and (ii) would be competitively harmful if 

publicly disclosed.

102 |

 
Financial Statements and Schedules

Delek US Holdings, Inc.

Consolidated Financial Statements
As of December 31, 2019 and 2018 and
For Each of the Three Years Ended December 31, 2019, 2018 and 2017 

INDEX TO FINANCIAL STATEMENTS

Reports of Independent Registered Public Accounting Firm
Audited Financial Statements:
Consolidated Balance Sheets
Consolidated Statements of Income
Consolidated Statements of Comprehensive Income
Consolidated Statements of Changes in Stockholders' Equity
Consolidated Statements of Cash Flows
Notes to Consolidated Financial Statements

F-2

F-5
F-6
F-7
F-8
F-11
F-13

F-1 |

Report of Independent Registered Public Accounting Firm

Financial Statements and Schedules

To the Stockholders and the Board of Directors of
Delek US Holdings, Inc.

Opinion on the Financial Statements

We have audited the accompanying consolidated balance sheets of Delek US Holdings, Inc. (the Company) as of December 31, 2019 and 2018, 
and the related consolidated statements of income, comprehensive income, changes in stockholders' equity, and cash flows for each of the three 
years in the period ended December 31, 2019, and the related notes (collectively referred to as the “consolidated financial statements”). In our 
opinion, the consolidated financial statements present fairly, in all material respects, the financial position of the Company at December 31, 2019 
and 2018, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2019, in conformity 
with U.S. generally accepted accounting principles. 

We  also  have  audited,  in  accordance  with  the  standards  of  the  Public  Company Accounting  Oversight  Board  (United  States)  (PCAOB),  the 
Company’s internal control over financial reporting as of December 31, 2019, based on criteria established in Internal Control-Integrated Framework 
issued by the Committee of Sponsoring Organizations of the Treadway Commission (2013 framework) and our report dated February 27, 2020 
expressed an unqualified opinion thereon.

Basis for Opinion

These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on the Company’s 
financial statements based on our audits. We are a public accounting firm registered with the PCAOB and are required to be independent with 
respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange 
Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain 
reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included 
performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing 
procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in 
the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as 
well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.

Critical Audit Matters

The critical audit matters communicated below are matters arising from the current period audit of the financial statements that were communicated 
or required to be communicated to the audit committee and that: (1) relate to accounts or disclosures that are material to the financial statements 
and (2) involved our especially challenging, subjective or complex judgments. The communication of critical audit matters does not alter in any 
way our opinion on the consolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, 
providing separate opinions on the critical audit matters or on the accounts or disclosures to which they relate.

F-2 |

Description of the
Matter

How We
Addressed the
Matter in Our
Audit

Description of the
Matter

How We
Addressed the
Matter in Our
Audit

Financial Statements and Schedules

Goodwill Impairment Assessment
At December 31, 2019, the Company’s goodwill was $855.7 million and represented approximately 12% of total 
assets, of which $801.3 million was associated with the refining segment. As discussed in Notes 2 and 18 of the 
consolidated financial statements, goodwill is tested for impairment at least annually at the reporting unit level, or 
more frequently if events or changes in circumstances indicate the goodwill might be impaired. The Company 
performs its annual goodwill impairment testing in the fourth quarter of each year.  

Auditing management’s annual goodwill impairment test for the reporting units within the refining segment requires 
significant judgment, as the valuation includes subjective estimates and assumptions in estimating the fair value. 
In particular, the fair value estimates are sensitive to significant assumptions, such as forecasted gross margins 
and the weighted average cost of capital. 
We obtained an understanding, evaluated the design, and tested the operating effectiveness of controls relating to 
the  valuation  of  the  Company’s  goodwill.    For  example,  we  tested  controls  over  management’s  review  of  the 
discounted cash flow calculation, the prospective financial data, and the valuation assumptions. 

To test the estimated fair value of the Company’s reporting units within the refining segment, our audit procedures 
included, among others, assessing the valuation methodology applied, performing recalculations, and testing the 
significant assumptions discussed above and the underlying data used by the Company. We compared the significant 
assumptions in the prospective financial data used by management to current industry and economic trends and 
historical performance. We performed sensitivity analyses of certain significant assumptions to evaluate the change 
in the fair value resulting from changes in the assumptions, as well as a hindsight analysis. In addition, we involved 
our valuation specialists to assist in evaluating the fair value methodology and testing the related assumptions that 
are most significant to the fair value estimates, as well as the market capitalization reconciliation.
Environmental Liabilities
As described in Notes 2 and 14 of the consolidated financial statements, the Company accrues environmental 
remediation costs when it is both probable that a liability has been incurred and the amount can be reasonably 
estimated. At December 31, 2019, the Company accrued a liability of $146.1 million, representing management’s 
best estimate of the expected costs related to environmental liabilities. 

Auditing the Company’s environmental liabilities requires significant judgment due to the inherent complexity in 
estimating the likelihood, timing and amount of future costs. This required us to make highly subjective auditor 
judgments as estimates are based on management’s assessment of the extent of contamination, the selected 
remediation methodology and applicable environmental regulations. Such estimates require management to adjust 
its accruals as further information develops or circumstances change and includes significant judgment with respect 
to costs, time frame of remediation and monitoring activities, and extent of required remedial and clean-up activities.

We obtained an understanding, evaluated the design, and tested the operating effectiveness of controls over the 
Company’s environmental liability cost estimation and review process, including controls over management’s review 
of the significant assumptions relating to costs, time frame and extent of required remedial and clean-up activities.  

To  test  the  environmental  liabilities,  our  audit  procedures  included,  among  others,  evaluating  the  nature  of 
contamination and the status of remediation including reviewing publicly available remediation data and through 
inquiries of the Company’s management. We utilized our environmental specialists to evaluate the reasonableness 
of management’s assessment of the extent of contamination, the selected remediation methodology and applicable 
environmental regulations. Our specialists also reviewed key assumptions used in the valuation of the environmental 
liabilities, including costs, time frame and extent of required remedial, clean-up and on-going monitoring activities 
in management’s analysis, including adjustments or lack thereof in the related cost estimates. 

We have served as the Company’s auditor since 2002.

/s/ Ernst & Young LLP

Nashville, Tennessee
February 27, 2020

F-3 |

Report of Independent Registered Public Accounting Firm

Financial Statements and Schedules

To the Stockholders and the Board of Directors of
Delek US Holdings, Inc.

Opinion on Internal Control over Financial Reporting

We have audited Delek US Holdings, Inc.’s internal control over financial reporting as of December 31, 2019, based on criteria established in 
Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (2013 framework) (the 
COSO criteria).  In our opinion, Delek US Holdings, Inc. (the Company) maintained, in all material respects, effective internal control over financial 
reporting as of December 31, 2019, based on the COSO criteria.

We  also  have  audited,  in  accordance  with  the  standards  of  the  Public  Company Accounting  Oversight  Board  (United  States)  (PCAOB),  the 
consolidated balance sheets of Delek US Holdings, Inc. as of December 31, 2019 and 2018, the related consolidated statements of income, 
comprehensive income, changes in stockholders' equity and cash flows for each of the three years in the period ended December 31, 2019, and 
the related notes, and our report dated February 27, 2020 expressed an unqualified opinion thereon. 

Basis for Opinion

The  Company’s  management  is  responsible  for  maintaining  effective  internal  control  over  financial  reporting  and  for  its  assessment  of  the 
effectiveness of internal control over financial reporting included in the accompanying Management’s Annual Report on Internal  Control over 
Financial Reporting. Our responsibility is to express an opinion on the Company’s internal control over financial reporting based on our audit. We 
are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with the 
U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain 
reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. 

Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing 
and evaluating the design and operating effectiveness of internal control based on the assessed risk, and performing such other procedures as 
we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.

Definition and Limitations of Internal Control Over Financial Reporting

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial 
reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company’s 
internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable 
detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions 
are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that 
receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; 
and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company’s 
assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any 
evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that 
the degree of compliance with the policies or procedures may deteriorate.

/s/ Ernst & Young LLP

Nashville, Tennessee
February 27, 2020

F-4 |

 
 
 
 
 
 
 
Financial Statements and Schedules

Delek US Holdings, Inc.

Consolidated Balance Sheets
(In millions, except share and per share data)

ASSETS

Current assets:

Cash and cash equivalents
Accounts receivable, net
Inventories, net of inventory valuation reserves
Other current assets

Total current assets
Property, plant and equipment:
Property, plant and equipment
Less: accumulated depreciation

Property, plant and equipment, net

Operating lease right-of-use assets
Goodwill
Other intangibles, net
Equity method investments
Other non-current assets

Total assets

Current liabilities:

LIABILITIES AND STOCKHOLDERS’ EQUITY

Accounts payable
Current portion of long-term debt
Obligation under Supply and Offtake Agreements
Current portion of operating lease liabilities
Accrued expenses and other current liabilities

Total current liabilities

Non-current liabilities:

Long-term debt, net of current portion
Obligation under Supply and Offtake Agreements
Environmental liabilities, net of current portion
Asset retirement obligations
Deferred tax liabilities
Operating lease liabilities, net of current portion
Other non-current liabilities

Total non-current liabilities

Stockholders’ equity:

Preferred stock, $0.01 par value, 10,000,000 shares authorized, no shares issued and outstanding
Common stock, $0.01 par value, 110,000,000 shares authorized, 90,987,025 shares and 90,478,075
shares issued at December 31, 2019 and December 31, 2018, respectively
Additional paid-in capital
Accumulated other comprehensive income
Treasury stock, 17,516, 814 shares and 12,477,780 shares, at cost, as of December 31, 2019 and
December 31, 2018, respectively
Retained earnings
Non-controlling interests in subsidiaries

Total stockholders’ equity
Total liabilities and stockholders’ equity

See accompanying notes to the consolidated financial statements

F-5 |

December 31,

2019

2018

$

$

$

955.3
792.6
946.7
268.7
2,963.3

3,362.8
(934.5)
2,428.3
183.6
855.7
110.3
407.3
67.8
7,016.3

1,599.7
36.4
332.5
40.5
346.8
2,355.9

2,030.7
144.8
137.9
68.6
267.9
144.3
30.9
2,825.1

1,079.3
514.4
677.9
148.7
2,420.3

2,999.6
(804.7)
2,194.9
—
857.8
104.4
130.3
52.9
5,760.6

1,011.2
32.0
312.6
—
307.7
1,663.5

1,751.3
49.6
139.5
75.5
210.2
—
62.9
2,289.0

—

—

0.9
1,151.9
0.1

(692.2)
1,205.6
169.0
1,835.3
7,016.3

$

0.9
1,135.4
28.6

(514.1)
981.8
175.5
1,808.1
5,760.6

$

$

$

$

 
 
 
 
 
 
 
 
 
 
 
 
 
Financial Statements and Schedules

Delek US Holdings, Inc.

Consolidated Statements of Income
(In millions, except share and per share data)

Net revenues
Cost of sales:

Cost of materials and other
Operating expenses (excluding depreciation and amortization presented below)
Depreciation and amortization

Total cost of sales

Operating expenses related to retail and wholesale business (excluding depreciation
and amortization presented below)
General and administrative expenses
Depreciation and amortization
Other operating (income) expense, net
Total operating costs and expenses

Operating income

Interest expense
Interest income
Income from equity method investments
Gain on remeasurement of equity method investment
Gain on sale of business
Impairment loss on assets held for sale
Loss on extinguishment of debt
Other expense (income), net

Total non-operating expenses (income), net

Income from continuing operations before income tax expense

Income tax expense (benefit)

Income from continuing operations, net of tax

Discontinued operations:

Income (loss) from discontinued operations, including gain (loss) on sale of
discontinued operations
Income tax expense (benefit)

Income (loss) from discontinued operations, net of tax

Net income
Net income attributed to non-controlling interests
Net income attributable to Delek
Basic income (loss) per share:

Income from continuing operations
Income (loss) from discontinued operations

Total basic income per share
Diluted income (loss) per share:

Income from continuing operations
Income (loss) from discontinued operations

Total diluted income per share

Weighted average common shares outstanding:

Basic
Diluted

Dividends declared per common share outstanding

Year Ended December 31,
2018

2017

2019

$

9,298.2

$

10,233.1

$

7,267.1

7,657.2
580.2
170.7
8,408.1

102.0
274.7
23.6
(2.5)
8,805.9
492.3
131.1
(11.3)
(34.3)
—
—
—
—
4.1
89.6
402.7
71.7
331.0

6.6
1.4
5.2
336.2
25.6
310.6

4.03
0.07
4.10

3.99
0.07
4.06

75,853,187
76,574,091
1.14

$

$

$

$

$

$

$

$

$

$

$

$

8,560.5
538.5
161.3
9,260.3

106.5
247.6
38.1
(31.3)
9,621.2
611.9
125.9
(5.8)
(9.7)
—
(13.3)
27.5
9.1
(7.3)
126.4
485.5
101.9
383.6

(10.9)
(2.2)
(8.7)
374.9
34.8
340.1

4.31
(0.20)
4.11

4.14
(0.19)
3.95

82,797,110
86,768,401
0.96

$

$

$

$

$

$

6,327.6
375.7
132.1
6,835.4

53.3
175.9
21.2
1.0
7,086.8
180.3
93.8
(4.0)
(12.6)
(190.1)
—
—
—
(6.1)
(119.0)
299.3
(29.2)
328.5

(8.6)
(2.7)
(5.9)
322.6
33.8
288.8

4.12
(0.08)
4.04

4.08
(0.08)
4.00

71,566,225
72,303,083
0.60

See accompanying notes to the consolidated financial statements

F-6 |

 
 
 
 
Financial Statements and Schedules

Delek US Holdings, Inc.

Consolidated Statements of Comprehensive Income
(In millions)

Net income
Other comprehensive income (loss):

Commodity contracts designated as cash flow hedges:

Net (losses) gains related to commodity cash flow hedges
Income tax (benefit) expense
Net comprehensive (loss) income on commodity contracts designated as cash
flow hedges

(Loss) Gain on interest rate contracts designated as cash flow hedges, net of taxes
Foreign currency translation gain (loss), net of taxes
Other comprehensive income from equity method investments, net of tax expense of
$0.0 million, $0.0 million and $2.2 million for the years ended December 31, 2019,
2018 and 2017, respectively
Postretirement benefit plans:

Unrealized gain (loss) arising during the year related to:
  Net actuarial gain (loss)
  Curtailment and settlement gains
Reclassified to other expense (income), net:
  Gain recognized due to curtailment and settlement
  Amortization of net actuarial loss

Gain (loss) related to postretirement benefit plans, net
Income tax expense (benefit)
Net comprehensive gain (loss) on postretirement benefit plans

Total other comprehensive (loss) income

Comprehensive income
Comprehensive income attributable to non-controlling interest
Comprehensive Income attributable to Delek

Year Ended December 31,
2018

2017

2019

$

336.2

$

374.9

$

322.6

(43.4)
(9.5)

(33.9)
—
0.3

—

5.8
2.7

(2.7)
0.7
6.5
1.4
5.1
(28.5)
307.7
25.6
282.1

$

$

33.1
6.9

26.2
(0.5)
(0.9)

—

(6.5)
2.5

(2.5)
0.5
(6.0)
(1.3)
(4.7)
20.1
395.0
34.8
360.2

$

$

36.6
12.8

23.8
0.4
0.1

4.1

(0.8)
6.3

(6.1)
—
(0.6)
—
(0.6)
27.8
350.4
33.8
316.6

$

$

See accompanying notes to the consolidated financial statements

F-7 |

 
 
 
Financial Statements and Schedules

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Financial Statements and Schedules

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F-10 |

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial Statements and Schedules

Delek US Holdings, Inc.

Consolidated Statements of Cash Flows
(In millions, except per share data)

Cash flows from operating activities:
Net income
Adjustments to reconcile net income to net cash provided by operating activities:

Year Ended December 31,
2018

2017

2019

$

336.2

$

374.9

$

322.6

Depreciation and amortization
Other amortization/accretion
Non-cash lease expense
Deferred income taxes
Income from equity method investments
Dividends from equity method investments
Loss (gain) on disposal of assets
Gain on remeasurement of equity method investment
Loss on extinguishment of debt
Gain on sale of business
Impairment of assets held for sale
Equity-based compensation expense
Income tax benefit of equity-based compensation
(Income) loss from discontinued operations
Changes in assets and liabilities, net of acquisitions:

Accounts receivable
Inventories and other current assets
Fair value of derivatives
Accounts payable and other current liabilities
Obligation under Supply and Offtake Agreement
Non-current assets and liabilities, net
Cash provided by operating activities - continuing operations
Cash used in operating activities - discontinued operations

Net cash provided by operating activities

Cash flows from investing activities:
Business combinations, net of cash acquired
Equity method investment contributions
Distributions from equity method investments
Purchases of property, plant and equipment
Asset acquisitions
Purchase of intangible assets
Proceeds from sale of property, plant and equipment
Proceeds from sale of retail stores
Proceeds from sale of business
Proceeds from sales of discontinued operations

Cash (used in) provided by investing activities - continuing operations
Cash provided by investing activities - discontinued operations

Net cash (used in) provided by investing activities

194.3
9.5
34.9
64.6
(34.3)
23.9
2.2
—
—
—
—
25.8
(2.5)
(5.2)

(276.7)
(417.7)
(12.5)
565.2
115.1
(47.6)
575.2
—
575.2

—
(267.4)
0.8
(413.0)
(8.0)
(19.9)
1.1
15.1
—
—
(691.3)
—
(691.3)

199.4
8.2
—
(26.8)
(9.7)
8.8
(0.9)
—
9.1
(13.3)
27.5
21.4
(2.2)
8.7

112.7
138.7
(52.6)
(128.1)
(84.3)
(1.1)
590.4
(30.1)
560.3

—
(0.2)
1.2
(322.0)
—
(1.7)
11.1
—
110.8
55.5
(145.3)
20.0
(125.3)

153.3
3.7
—
(48.0)
(12.6)
5.9
1.0
(190.1)
—
—
—
17.5
(1.4)
5.9

(155.8)
(191.1)
39.2
290.9
113.0
(32.2)
321.8
(2.1)
319.7

196.2
(5.8)
12.4
(172.0)
—
(5.5)
0.1
—
—
—
25.4
12.2
37.6

F-11 |

 
 
Financial Statements and Schedules

Delek US Holdings, Inc.

Consolidated Statements of Cash Flows (Continued)
(In millions, except per share data )

Cash flows from financing activities:
Proceeds from long-term revolvers
Payments on long-term revolvers
Proceeds from term debt
Payments on term debt
Proceeds from product financing agreements
Repayments of product financing agreements
Settlement of warrants unwind agreement
Taxes paid due to the net settlement of equity-based compensation
Repurchase of common stock
Repurchase of non-controlling interest
Distribution to non-controlling interest
Dividends paid
Deferred financing costs paid

Cash used in financing activities - continuing operations
Cash used in financing activities - discontinued operations

Net cash used in financing activities
Net (decrease) increase in cash and cash equivalents
Cash and cash equivalents at the beginning of the period
Cash and cash equivalents at the end of the period
Less cash and cash equivalents of discontinued operations at the end of the period
Cash and cash equivalents of continuing operations at the end of the period

Supplemental disclosures of cash flow information:

Cash paid during the period for:

Interest, net of capitalized interest of $1.5 million, $0.8 million and $0.3 million in the

2019, 2018 and 2017 periods, respectively

Income taxes

Non-cash investing activities:

Common stock issued in connection with the buyout of Alon Partnership non-
controlling interest
Increase (decrease) in accrued capital expenditures

Non-cash financing activities:

Non-cash lease liability arising from recognition of  right of use assets upon adoption
of ASU 2016-02
Non-cash lease liability arising from obtaining right of use assets during the period
Common stock issued in connection with settlement of Convertible Notes
Treasury shares received in connection with exercise of Call Options
Common stock issued in connection with the Delek/Alon Merger
Equity instruments issued in connection with the Delek/Alon Merger

$

$
$

$
$

$
$
$
$
$
$

Year Ended December 31,
2018

2017

2019

1,435.4
(1,553.7)
434.0
(34.3)
40.8
(22.2)
—
(9.2)
(178.1)
—
(32.3)
(86.8)
(1.5)
(7.9)
—
(7.9)
(124.0)
1,079.3
955.3
—
955.3

126.2
94.2

$

$
$

2,124.6
(1,679.8)
690.6
(826.3)
—
(72.4)
(35.9)
(11.5)
(365.3)
—
(27.7)
(80.1)
(13.8)
(297.6)
—
(297.6)
137.4
941.9
1,079.3
—
1,079.3

120.1
103.9

$

$
$

— $
$

15.1

127.0

$
(4.8) $

206.0
15.9

$
$
— $
— $
— $
— $

— $
— $
123.9
$
(123.9) $
— $
— $

1,122.1
(1,239.8)
286.2
(103.6)
52.5
(98.7)
—
(5.0)
(25.0)
(7.3)
(35.7)
(44.0)
(6.3)
(104.6)
—
(104.6)
252.7
689.2
941.9
10.1
931.8

82.1
70.5

—
9.4

—
—
—
—
509.0
21.7

See accompanying notes to the consolidated financial statements

F-12 |

 
 
 
 
 
 
Financial Statements and Schedules

1. General

Delek US Holdings, Inc.
Notes to Consolidated Financial Statements

Delek US Holdings, Inc. operates through its consolidated subsidiaries, which include Delek US Energy, Inc. ("Delek Energy") (and its subsidiaries) 
and Alon USA Energy, Inc. ("Alon") (and its subsidiaries).

Effective July 1, 2017 (the "Effective Time"), we acquired the outstanding common stock of Alon (previously listed under NYSE: ALJ) (the "Delek/
Alon Merger", as further discussed in Note 3), resulting in a new post-combination consolidated registrant renamed as Delek US Holdings, Inc. 
(“New Delek”), with Alon and the previous Delek US Holdings, Inc. (“Old Delek”) surviving as wholly-owned subsidiaries. New Delek is the successor 
issuer to Old Delek and Alon pursuant to Rule 12g-3(c) under the Securities Exchange Act of 1934, as amended (the "Exchange Act"). In addition, 
as a result of the Delek/Alon Merger, the shares of common stock of Old Delek and Alon were delisted from the New York Stock Exchange ("NYSE") 
in July 2017, and their respective reporting obligations under the Exchange Act were terminated.

Unless otherwise indicated or the context requires otherwise, the disclosures and financial information included in this report for the periods prior 
to July 1, 2017 reflect that of Old Delek, and the disclosures and financial information included in this report for the periods beginning July 1, 2017 
reflect that of New Delek. The terms "we," "our," "us," "Delek" and the "Company" are used in this report to refer to Old Delek and its consolidated 
subsidiaries for the periods prior to July 1, 2017, and New Delek and its consolidated subsidiaries for the periods on or after July 1, 2017, unless 
otherwise noted. New Delek's Common Stock is listed on the NYSE under the symbol "DK."

2.  Accounting Policies

Basis of Presentation

Our consolidated financial statements include the accounts of Delek and its subsidiaries. All significant intercompany transactions and account 
balances have been eliminated in consolidation. We have evaluated subsequent events through the filing of this Form 10-K.  Any material subsequent 
events that occurred during this time have been properly recognized or disclosed in our financial statements. 

During the third quarter 2017, we committed to a plan to sell certain assets associated with our Paramount and Long Beach, California refineries 
and Alon's California renewable fuels facility (collectively, the "California Discontinued Entities"), which were acquired as part of the Delek/Alon 
Merger. As a result of this decision and commitment to a plan, and because it was made within three months of the Delek/Alon Merger, we met 
the requirements under the provisions of Accounting Standards Codification ("ASC") 205-20, Presentation of Financial Statements - Discontinued 
Operations ("ASC 205-20") and ASC 360, Property, Plant and Equipment ("ASC 360") to report the results of the California Discontinued Entities 
as discontinued operations and to classify the California Discontinued Entities as a group of assets held for sale. On March 16, 2018, Delek sold 
to World Energy, LLC (i) all of Delek’s membership interests in AltAir Paramount, LLC (Alon's California renewable fuels facility), (ii) certain refining 
assets and other related assets located in Paramount, California and (iii) certain associated tank farm and pipeline assets and other related assets 
located in California. The transaction to dispose of certain assets and liabilities associated with our Long Beach, California refinery, to Bridge Point 
Long Beach, LLC, closed July 17, 2018. See Note 8 for further information regarding the California Discontinued Entities. 

On February 12, 2018, Delek announced it had reached a definitive agreement to sell certain assets and operations of four asphalt terminals 
(included in Delek's corporate/other segment), as well as an equity method investment in an additional asphalt terminal, to an affiliate of Andeavor 
(prior to its acquisition by Marathon Petroleum). This transaction included asphalt terminal assets in Bakersfield, Mojave and Elk Grove, California 
and Phoenix, Arizona, as well as Delek’s 50% equity interest in the Paramount-Nevada Asphalt Company, LLC joint venture that operates an 
asphalt terminal located in Fernley, Nevada. On May 21, 2018, Delek completed the transaction and received net proceeds of approximately 
$110.8 million, inclusive of the $75.0 million base proceeds as well as certain preliminary working capital adjustments. These associated assets 
did not meet the definition of held for sale pursuant to ASC 360 as of December 31, 2017, and therefore were not reflected as held for sale nor 
as discontinued operations in the consolidated financial statements as of and for the year ended December 31, 2017. See Note 8 for further 
information regarding the disposal of these assets held for sale. 

As of December 31, 2017, our consolidated financial statements included the consolidated financial statements of the following variable interest 
entities: Delek Logistics Partners, LP ("Delek Logistics"), Alon USA Partners, LP (the "Alon Partnership") and AltAir Paramount LLC ("AltAir"). On 
February 7, 2018, Delek acquired the non-controlling interest in the Alon Partnership; and on March 16, 2018, we sold the membership interests 
in AltAir. Thus, Delek Logistics is Delek's only remaining variable interest entity as of December 31, 2019 and 2018.  As the indirect owner of the 
general partner of Delek Logistics, we have the ability to direct the activities of this entity that most significantly impact economic performance. We 
are also considered to be the primary beneficiary for accounting purposes for this entity and are Delek Logistics' primary customer. As Delek 
Logistics does not derive an amount of gross margin material to us from third parties, there is limited risk to Delek associated with Delek Logistics' 
operations. However, in the event that Delek Logistics incurs a loss, our operating results will reflect such loss, net of intercompany eliminations, 
to the extent of our ownership interest in this entity. 

The preparation of financial statements in conformity with U.S. generally accepted accounting principles ("GAAP") and in accordance with the rules 
and regulations of the Securities and Exchange Commission ("SEC") requires management to make estimates and assumptions that affect the 

F-13 |

reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported 
amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. In the opinion of management, 
all adjustments necessary for a fair presentation of the financial condition and the results of operations have been included. All adjustments are of 
a normal, recurring nature.

Reclassifications 

Certain immaterial reclassifications have been made to prior period presentation in order to conform to the current year presentation. 

Segment Reporting

Delek is an integrated downstream energy business based in Brentwood, Tennessee, and has three primary lines of business: petroleum refining; 
the transportation, storage and wholesale distribution of crude oil, intermediate and refined products; and convenience store retailing.  For the 
periods presented, we have aggregated our operating units into three reportable segments: Refining, Logistics and Retail.  

Operations that are not specifically included in the reportable segments are included in Corporate, Other and Eliminations, which consists of the 
following:

• 

• 

• 

• 

• 

• 

our corporate activities; 

results of certain immaterial operating segments, including our Canadian crude trading operations (as discussed in Note 12);

Alon's asphalt terminal operations acquired as part of the Delek/Alon Merger and subsequently disposed in the second quarter of 2018 (see 
Note 8 for further discussion);

our non-controlling equity interest of approximately 47% of the outstanding shares in Alon (which was accounted for as an equity method 
investment) prior to the Delek/Alon Merger;

results and assets of discontinued operations; and

intercompany eliminations.

 Decisions concerning the allocation of resources and assessment of operating performance are made based on this segmentation. Management 
measures the operating performance of each of the reportable segments based on the segment contribution margin. Segment contribution margin 
is defined as net revenues less cost of materials and other and operating expenses, excluding depreciation and amortization. All inter-segment 
transactions have been eliminated in consolidation.

The refining segment operates high conversion, independent refineries located in Tyler, Texas (the "Tyler refinery"), El Dorado, Arkansas (the "El 
Dorado refinery"), Big Spring, Texas  (the "Big Spring refinery"), Krotz Springs, Louisiana (the "Krotz Springs refinery") and a non-operating refinery 
located in Bakersfield, California (the "Bakersfield refinery"). In addition, the refining segment owns and operates three biodiesel facilities involved 
in the production of biodiesel fuels and related activities, located in Crossett, Arkansas, Cleburne, Texas and New Albany, Mississippi (acquired in 
October 2019). The logistics segment owns and operates crude oil and refined products logistics and marketing assets. The retail segment markets 
gasoline, diesel and other refined petroleum products, and convenience merchandise through a network of company-operated retail fuel and 
convenience stores and includes the assets and results of operations of the retail business acquired in connection with the Delek/Alon Merger. 

Segment reporting is more fully discussed in Note 4.

Cash and Cash Equivalents

Delek maintains cash and cash equivalents in accounts with large, U.S. or multi-national financial institutions. All highly liquid investments purchased 
with a term of three months or less are considered to be cash equivalents. As of December 31, 2019 and 2018, these cash equivalents consisted 
primarily of bank money market accounts and bank certificates of deposit, as well as overnight investments in U.S. Government or its agencies' 
obligations and bank repurchase obligations collateralized by U.S. Government or its agencies' obligations.

Accounts Receivable

Accounts receivable primarily consists of trade receivables generated in the ordinary course of business.  Delek recorded an allowance for doubtful 
accounts related to trade receivables of $3.7 million and $3.4 million as of December 31, 2019 and 2018, respectively.

Credit is extended based on evaluation of the customer’s financial condition. We perform ongoing credit evaluations of our customers and require 
letters of credit, prepayments or other collateral or guarantees as management deems appropriate. Allowance for doubtful accounts is based on 
a combination of historical experience and specific identification methods.

Credit risk is minimized as a result of the ongoing credit assessment of our customers and a lack of concentration in our customer base. Credit 
losses are charged to allowance for doubtful accounts when deemed uncollectible. Our allowance for doubtful accounts is reflected as a reduction 
of accounts receivable in the consolidated balance sheets.

F-14 |

One customer accounted for more than 10% of our consolidated accounts receivable balance as of December 31, 2019. No customer accounted 
for more than 10% of our consolidated accounts receivable balance as of December 31, 2018. No customer accounted for more than 10% of 
consolidated net sales for the years ended December 31, 2019, 2018 or 2017.   

Inventory

Refinery crude oil, work-in-process, refined products, blendstocks and asphalt inventory for all of our operations, excluding the Tyler refinery and  
merchandise inventory in our Retail segment, are stated at the lower of cost determined using the first-in, first-out (“FIFO”) basis or net realizable 
value. Cost of inventory at the Tyler refinery is determined using the last-in, first-out (“LIFO”) inventory valuation method and inventory is stated at 
the lower of LIFO cost or market. Retail merchandise inventory consists of cigarettes, beer, convenience merchandise and food service merchandise 
and is stated at estimated cost as determined by the retail inventory method.  We are not subject to concentration risk with specific suppliers, since 
our crude oil and refined products inventory purchases are commodities that are readily available from a large selection of suppliers.

Investment Commodities

Investment commodities represent those commodities (generally crude oil) physically on hand as a result of trading activities with physical forward 
contracts where such crude will not be used (either directly in production or indirectly through inventory optimization) in the normal course of our 
refining business. Such investment commodities are maintained on a weighted average cost basis for determining realized gains and losses on 
physical purchases and sales under forward contracts, and ending balances are adjusted to fair value at each reporting date using published 
market prices of the commodity on the applicable exchange. The investment commodities are included in other current assets on the accompanying 
consolidated balance sheets and changes in fair value are recorded in other operating income (expense) in the accompanying consolidated 
statements of income.

Property, Plant and Equipment

Assets acquired by Delek in conjunction with business acquisitions are recorded at estimated fair value at the acquisition date in accordance with 
the purchase method of accounting as prescribed in ASC 805, Business Combinations ("ASC 805"). Other acquisitions of property and equipment 
are carried at cost. Betterments, renewals and extraordinary repairs that extend the life of an asset are capitalized. Maintenance and repairs are 
charged to expense as incurred. Delek owns certain fixed assets on leased locations and depreciates these assets and asset improvements over 
the lesser of management's estimated useful lives of the assets or the remaining lease term.

Depreciation is computed using the straight-line method over management's estimated useful lives of the related assets, which are as follows:

Building and building improvements

Refinery machinery and equipment

Pipelines and terminals

Retail store equipment and site improvements

Refinery turnaround costs

Automobiles

Computer equipment and software

Furniture and fixtures

Asset retirement obligation assets

Other Intangible Assets

Years

15-40

5-40

15-40

7-40

4-6

3-5

3-10

5-15

15-50

Other intangible assets acquired in a business combination and determined to be finite-lived are amortized over their respective estimated useful 
lives. The finite-lived intangible assets are amortized on straight-line bases over the estimated useful lives of five to 15 years.  The amortization 
expense is included in depreciation and amortization on the accompanying consolidated statements of income. 

Property, Plant and Equipment and Other Intangibles Impairment

Property, plant and equipment held and used and other intangibles are evaluated for impairment whenever indicators of impairment exist. In 
accordance with ASC 360 and ASC 350, Intangibles - Goodwill and Other ("ASC 350"), Delek evaluates the realizability of these long-lived assets 
as events occur that might indicate potential impairment. In doing so, Delek assesses whether the carrying amount of the asset is recoverable by 
estimating the sum of the future cash flows expected to result from the asset, undiscounted and without interest charges. If the carrying amount 
is more than the recoverable amount, an impairment charge must be recognized based on the fair value of the asset.  These impairment charges 
are  included  in  other  operating  income  in  our  consolidated  statements  of  income.  There  were  no  impairment  charges  for  the  years  ended 
December 31, 2019, 2018 or 2017.

F-15 |

Equity Method Investments

For equity investments that are not required to be consolidated under the variable or voting interest model, we evaluate the level of influence we 
are able to exercise over an entity’s operations to determine whether to use the equity method of accounting.  Our judgment regarding the level 
of influence over an equity method investment includes considering key factors such as our ownership interest, participation in policy-making and 
other significant decisions and material intercompany transactions.  Equity investments for which we determine we have significant influence are 
accounted for as equity method investments.  Amounts recognized for equity method investments are included in equity method investments in 
our consolidated balance sheets and adjusted for our share of the net earnings and losses of the investee and cash distributions, which are 
separately stated in our consolidated statements of income and our consolidated statements of cash flows.  We evaluate our equity method 
investments presented for impairment whenever events or changes in circumstances indicate that the carrying amounts of such investments may 
be impaired. There were no impairment losses recorded on equity method investments for the years ended December 31, 2019, 2018 or 2017.  
See Note 7 for further information on our equity method investments.

Variable Interest Entities

Our consolidated financial statements include the financial statements of our subsidiaries and variable interest entities ("VIE"), of which we are the 
primary beneficiary. We evaluate all legal entities in which we hold an ownership or other pecuniary interest to determine if the entity is a VIE. 
Variable interests can be contractual, ownership or other pecuniary interests in an entity that change with changes in the fair value of the VIE’s 
assets. If we are not the primary beneficiary, the general partner or another limited partner may consolidate the VIE, and we record the investment 
as an equity method investment.

Capitalized Interest

Delek capitalizes interest on capital projects associated with the refining and logistics segments. For the years ended December 31, 2019, 2018
and 2017, interest of $1.5 million, $0.8 million and $0.3 million, respectively, was capitalized relating to these projects.

Refinery Turnaround Costs

Refinery turnaround costs are incurred in connection with planned shutdowns and inspections of our refineries' major units to perform necessary 
repairs and replacements. Refinery turnaround costs are deferred when incurred, classified as property, plant and equipment and amortized on a 
straight-line basis over that period of time estimated to lapse until the next planned turnaround occurs. Refinery turnaround costs include, among 
other things, the cost to repair, restore, refurbish or replace refinery equipment such as vessels, tanks, reactors, piping, rotating equipment, 
instrumentation, electrical equipment, heat exchangers and fired heaters. 

Goodwill and Potential Impairment

Goodwill in an acquisition represents the excess of the aggregate purchase price over the fair value of the identifiable net assets. Goodwill is 
reviewed at least annually during the fourth quarter for impairment, or more frequently if indicators of impairment exist, such as disruptions in our 
business, unexpected significant declines in operating results or a sustained market capitalization decline. Goodwill is evaluated for impairment 
by comparing the carrying amount of the reporting unit to its estimated fair value. The Company adopted Accounting Standard Update ("ASU") 
2017-04, Goodwill and Other (Topic 350); Simplifying the Test for Goodwill Impairment, during the fourth quarter of 2018. In accordance with this 
guidance, if a reporting unit's carrying amount exceeds its fair value, the impairment assessment leads to the testing of the implied fair value of 
the reporting unit's goodwill to its carrying amount If the implied fair value is less than the carrying amount, a goodwill impairment charge is recorded. 

In assessing the recoverability of goodwill, assumptions are made with respect to future business conditions and estimated expected future cash 
flows to determine the fair value of a reporting unit. We may consider inputs such as a market participant weighted average cost of capital, estimated 
growth rates for revenue, gross margin and capital expenditures based on history and our best estimate of future forecasts, all of which are subject 
to significant judgment and estimates. We may also estimate the fair values of the reporting units using a multiple of expected future cash flows, 
such as those used by market participants. If these estimates and assumptions change in the future, due to factors such as a decline in general 
economic conditions, competitive pressures on sales and margins and other economic and industry factors beyond management's control, an 
impairment charge may be required. A significant risk to our future results and the potential future impairment of goodwill is the volatility of the 
crude oil and the refined product markets which is often unpredictable and may negatively impact our results of operations in ways that cannot be 
anticipated and that are beyond management's control. 

Our annual assessment of goodwill did not result in impairment during the years ended December 31, 2019, 2018 or 2017.  Details of remaining 
goodwill balances by segment are included in Note 18.

Renewable Identification Numbers 

The U.S. Environmental Protection Agency (“EPA”) requires certain refiners to blend biofuels into the fuel products they produce pursuant to the 
EPA’s Renewable Fuel Standard - 2 ("RFS-2").  Alternatively, credits, called Renewable Identification Numbers ("RINs"), which may be generated 
and/or purchased, can be used to satisfy this obligation instead of physically blending biofuels ("RINs Obligation").  All of our refineries are obligated 
parties to the RFS-2.  To the extent that any of our refineries is unable to blend biofuels at the required rate, it must purchase RINs in the open 
market to satisfy its annual requirement. Our RINs Obligation is based on the amount of RINs we must purchase and the price of those RINs as 

F-16 |

of the balance sheet date. The cost of RINs used each period is charged to cost of materials and other in the consolidated statements of income.  
We recognize a liability at the end of each reporting period in which we do not have sufficient RINs to cover the RINs Obligation. The liability is 
calculated by multiplying the RINs shortage (based on actual results) by the period end RIN spot price.  From time to time, we may hold RINs 
generated or acquired in excess of our current obligations.  We recognize an asset at the end of each reporting period in which we have generated 
or acquired RINs in excess of our RINs Obligation. The asset is calculated by multiplying the RINs surplus (based on actual results) by the period 
end RIN spot price. The value of RINs in excess of our RINs Obligation, if any, would be reflected in other current assets on the consolidated 
balance sheets. RINs generated in excess of our current RINs Obligation may be sold or held to offset future RINs Obligations.  Any such sales 
of excess RINs are recorded in cost of materials and other on the consolidated statements of income. The assets and liabilities associated with 
our RINs Obligation are considered recurring fair value measurements. See Note 13 for further information.

From time to time, Delek enters into future commitments to purchase or sell RINs at fixed prices and quantities, which are used to manage the 
costs associated with our RINs Obligation. These future RIN commitment contracts meet the definition of derivative instruments under ASC 815, 
Derivatives and Hedging ("ASC 815"), and are measured at fair value based on quoted prices from an independent pricing service. Changes in 
the fair value of these future RIN commitment contracts are recorded in cost of materials and other on the consolidated statements of income. See 
Note 12 for further information.

Other Environmental Credits Obligations

From time to time, we may create, during the operation of our refining or other activities, or purchase on a market, other environmental credits 
(e.g., sulfur credits, benzene credits, etc.) for purposes of ultimately meeting expected environmental credit obligations. Such other environmental 
credits obligation surplus or deficit is based on the amount of these other emissions credits required for compliance as of the balance sheet date, 
net of amounts internally generated and purchased. The environmental credits obligation surplus or deficit is categorized is measured at fair value 
either directly through observable inputs or indirectly through market-corroborated inputs. See Note 13 for further information.

Derivatives

Delek records all derivative financial instruments, including any interest rate swap and cap agreements, fuel-related derivatives, over the counter 
("OTC") future swaps, forward contracts and future RIN purchase and sales commitments that qualify as derivative instruments, at estimated fair 
value in accordance with the provisions of ASC 815. Changes in the fair value of the derivative instruments are recognized in operations, unless 
we elect to apply and qualify for the hedging treatment permitted under the provisions of ASC 815 allowing such changes to be classified as other 
comprehensive income for cash flow hedges. We validate the fair value of all derivative financial instruments on a periodic basis, utilizing exchange 
pricing and/or price index developers such as Platts, Argus or OPIS.  On a regular basis, Delek enters into commodity contracts with counterparties 
for the purchase or sale of crude oil, blendstocks, and various finished products. These contracts usually qualify for the normal purchase / normal 
sale exemption under ASC 815 and, as such, are not measured at fair value.

Delek's policy under the guidance of ASC 815-10-45, Derivatives and Hedging - Other Presentation Matters ("ASC 815-10-45"), is to net the fair 
value amounts recognized for multiple derivative instruments executed with the same counterparty and offset these values against the cash 
collateral arising from these derivative positions.

Fair Value of Financial Instruments

The fair values of financial instruments are estimated based upon current market conditions and quoted market prices for the same or similar 
instruments. Management estimates that the carrying value approximates fair value for all of Delek's assets and liabilities that fall under the scope 
of ASC 825, Financial Instruments ("ASC 825").

Delek applies the provisions of ASC 820, Fair Value Measurements and Disclosure ("ASC 820"), which defines fair value, establishes a framework 
for its measurement and expands disclosures about fair value measurements.  ASC 820 applies to our commodity and other derivatives that are 
measured at fair value on a recurring basis, and to our environmental credit obligations that are accounted for under the fair value election. ASC 
820 also applies to the measurement of our equity method investment, goodwill and long-lived tangible and intangible assets when determining 
whether or not an impairment exists, when circumstances require evaluation.  See Note 7 for further information.  This standard also requires that 
we assess the impact of nonperformance risk on our derivatives.  Nonperformance risk is not considered material to our financial statements as 
of December 31, 2019 and 2018.  

Delek also applies the provisions of ASC 825 as it pertains to the fair value option. This standard permits the election to carry financial instruments 
and certain other items similar to financial instruments at fair value on the balance sheet, with all changes in fair value reported in earnings.  By 
electing the fair value option, we can achieve an accounting result similar to a fair value hedge without having to follow the complex hedge accounting 
rules. As of December 31, 2018, we elected to account for the market-indexed step-out liabilities associated with our applicable Master Supply 
and Offtake Agreements (the "Supply and Offtake Agreements" or the "J. Aron Agreements") with J. Aron & Company ("J. Aron") at fair value and 
recognize all changes in the fair value of the step-out liabilities in cost of materials and other in the accompanying statements of income. Additionally, 
at December 31, 2019, we continue to apply our fair value election to our amended fixed-price step-out liabilities where changes in fair value relate 
to interest rate risk and therefore are recognized in interest expense in the accompanying statements of income. See Notes 10 and 13 for further 
discussion. 

F-17 |

Self-Insurance Reserves

Delek has varying deductibles or self-insured retentions on our workers’ compensation, general liability, automobile liability insurance and medical 
claims for certain employees with coverage above the deductibles or self-insured retentions in amounts management considers adequate. We 
maintain an accrual for these costs based on claims filed and an estimate of claims incurred but not reported. Differences between actual settlements 
and recorded accruals are recorded in the period identified.

Environmental Expenditures 

It is Delek's policy to accrue environmental and clean-up related costs of a non-capital nature when it is both probable that a liability has been 
incurred and the amount can be reasonably estimated. Environmental liabilities represent the current estimated costs to investigate and remediate 
contamination at sites where we have environmental exposure. This estimate is based on assessments of the extent of the contamination, the 
selected remediation technology and review of applicable environmental regulations, typically considering estimated activities and costs for 15 years, 
and up to 30 years if a longer period is believed reasonably necessary. Such estimates may require judgment with respect to costs, time frame 
and extent of required remedial and clean-up activities. Accruals for estimated costs from environmental remediation obligations generally are 
recognized no later than completion of the remedial feasibility study and include, but are not limited to, costs to perform remedial actions and costs 
of machinery and equipment that are dedicated to the remedial actions and that do not have an alternative use. Such accruals are adjusted as 
further information develops or circumstances change. We discount environmental liabilities to their present value if payments are fixed or reliably 
determinable.  Expenditures  for  equipment  necessary  for  environmental  issues  relating  to  ongoing  operations  are  capitalized.  Provisions  for  
environmental liabilities generally are recognized in operating expenses. 

Changes in laws and regulations and actual remediation expenses compared to historical experience could significantly impact our results of 
operations and financial position. We believe the estimates selected, in each instance, represent our best estimate of future outcomes, but the 
actual outcomes could differ from the estimates selected.

Asset Retirement Obligations

Delek initially recognizes liabilities which represent the fair value of a legal obligation to perform asset retirement activities, including those that 
are conditional on a future event, when the amount can be reasonably estimated.  If a reasonable estimate cannot be made at the time the liability 
is incurred, we record the liability when sufficient information is available to estimate the liability’s fair value.

In the refining segment, we have asset retirement obligations with respect to our refineries due to various legal obligations to clean and/or dispose 
of these assets at the time they are retired. In the logistics segment, these obligations relate to the required cleanout of the pipeline and terminal 
tanks and removal of certain above-grade portions of the pipeline situated on right-of-way property.  In the retail segment, we have asset retirement 
obligations related to the removal of underground storage tanks and the removal of brand signage at owned and leased retail sites which are legally 
required under the applicable leases. The asset retirement obligation for storage tank removal on leased retail sites is accreted over the expected 
life of the owned retail site or the average retail site lease term.

In order to determine fair value, management must make certain estimates and assumptions including, among other things, projected cash flows, 
a credit-adjusted risk-free rate and an assessment of market conditions that could significantly impact the estimated fair value of the asset retirement 
obligations. We believe the estimates selected, in each instance, represent our best estimate of future outcomes, but the actual outcomes could 
differ from the estimates selected.

Revenue Recognition

The Company recognizes revenue when it satisfies a performance obligation by transferring control over a product or by providing services to a 
customer. The adoption of ASC 606, Revenue from Contracts with Customers ("ASC 606") beginning January 1, 2018, did not materially change 
our revenue recognition patterns, which are described below by reportable segment.   The principles for recognizing revenue as codified in ASC 
605, Revenue Recognition ("ASC 605"), were applied during the year ended December 31, 2017.  No restatements to revenues or expenses were 
required to be made to our consolidated statements of income, as we applied the modified retrospective transition method in adopting ASC 606.

Refining 

Revenues for products sold are recorded at the point of sale upon delivery of product, which is the point at which title to the product is transferred, 
the customer has accepted the product and the customer has significant risks and rewards of owning the product.  We typically have a right to 
payment once control of the product is transferred to the customer.  Transaction prices for these products are typically at market rates for the 
product at the time of delivery.  Payment terms require customers to pay shortly after delivery and do not contain significant financing components.

Logistics

Revenues for products sold are generally recognized upon delivery of the product, which is when title and control of the product is transferred.  
Transaction prices for these products are typically at market rates for the product at the time of delivery.  Service revenues are recognized as crude 
oil, intermediate and refined product are shipped through, delivered by or stored in our pipelines, trucks, terminals and storage facility assets, as 
applicable.  We do not recognize product revenues for these services as the product does not represent a promised good in the context of ASC 

F-18 |

606.  All service revenues are based on regulated tariff rates or contractual rates. Payment terms require customers to pay shortly after delivery 
and do not contain significant financing components.

Retail 

Fuel and merchandise revenue is recognized at the point of sale, which is when control of the product is transferred to the customer.  Payments 
from customers are received at the time sales occur in cash or by credit or debit card. We derive service revenues from the sale of lottery tickets, 
money orders, car washes and other ancillary product and service offerings. Service revenue and related costs are recorded at gross amounts or 
net amounts, as appropriate, in accordance with the principal versus agent provisions in ASC 606. 

Refer to Note 4 for disclosure of our revenue disaggregated by segment, as well as a description of our reportable segment operations.

Cost of Materials and Other and Operating Expenses

For the refining segment, cost of materials and other includes the following: 

• 

• 

• 

• 

the direct cost of materials (such as crude oil and other refinery feedstocks, refined petroleum products and blendstocks, and ethanol feedstocks 
and products) that are a component of our products sold; 

costs related to the delivery (such as shipping and handling costs) of products sold; 

costs related to our environmental credit obligations to comply with various governmental and regulatory programs (such as the cost of RINs 
as required by the EPA's Renewable Fuel Standard and emission credits under various cap-and-trade systems); and

gains and losses on our commodity derivative instruments.

Operating  expenses  for  the  refining  segment  include  the  costs  to  operate  our  refineries  and  biodiesel  facilities,  excluding  depreciation  and 
amortization. These costs primarily include employee-related expenses, energy and utility costs, catalysts and chemical costs, and repairs and 
maintenance expenses.

For the logistics segment, cost of materials and other includes the following:

• 

• 

• 

• 

all costs of purchased refined products, additives and related transportation of such products, 

costs associated with the operation of our trucking assets, which primarily include allocated employee costs and other costs related to fuel, 
truck leases and repairs and maintenance, 

the cost of pipeline capacity leased from a third-party, and

gains and losses related to our commodity hedging activities.

Operating expenses for the logistics segment include the costs associated with the operation of owned terminals and pipelines and terminalling 
expenses at third-party locations, excluding depreciation and amortization. These costs primarily include outside services, allocated employee 
costs, repairs and maintenance costs and energy and utility costs. Operating expenses related to the wholesale business are excluded from cost 
of sales because they primarily relate to costs associated with selling the products through our wholesale business.

For the retail segment, cost of materials and other comprises the costs related to specific products sold at retail sites, primarily consisting of motor 
fuels and merchandise. Retail fuel cost of sales represents the cost of purchased fuel, including transportation costs. Merchandise cost of sales 
includes the delivered cost of merchandise purchases, net of merchandise rebates and commissions. Operating expenses related to the retail 
business include costs such as wages of employees, lease expense, utility expense and other costs of operating the stores, excluding depreciation 
and amortization, and are excluded from cost of sales because they primarily relate to costs associated with selling the products through our retail 
sites.

Depreciation and amortization is separately presented in our statement of income and disclosed by reportable segment in Note 4.

Interest Expense

Interest expense includes interest expense on debt, letters of credit, financing fees (including certain J. Aron fees associated with our Supply and 
Offtake Agreements), the amortization, net of accretion, of debt discounts or premium and amortization of deferred debt issuance costs, and interest 
rate swap settlements, but excludes capitalized interest. Original issuance discount and debt issuance costs are amortized ratably over the term 
of the related debt when it is not materially different from the effective interest method.

Sales, Use and Excise Taxes

Prior to the adoption of ASC 606, Delek's policy was to exclude sales, use and excise taxes from revenue when we are an agent of the taxing 
authority, in accordance with the applicable guidance in ASC 605, Revenue Recognition. Upon the adoption of ASC 606, we made the accounting 
policy election to exclude from revenue all taxes assessed by a governmental authority, including sales, use and excise taxes, that are both imposed 
on and concurrent with a specific revenue-producing transaction and collected from a customer. 

F-19 |

Deferred Financing Costs

Deferred financing costs associated with our revolving credit facilities are included in other non-current assets in the accompanying consolidated 
balance sheets. Deferred financing costs associated with our term loan facilities are included as a reduction to the associated debt balance in the 
accompanying consolidated balance sheets. These costs represent expenses related to issuing our long-term debt and obtaining our lines of credit 
and are amortized ratably over the remaining term of the respective financing when it is not materially different from the effective interest method  
and included in interest expense in the accompanying consolidated statements of income. See Note 11 for further information.

Advertising Costs

Delek expenses advertising costs as the advertising space is utilized. Advertising expense for the years ended December 31, 2019, 2018 and 
2017 was $3.4 million, $4.1 million and $1.3 million, respectively.

Leases

In accordance with ASC 842-20, Leases - Lessee ("ASC 842-20"), we classify leases with contractual terms longer than twelve months as either 
operating or finance. Finance leases are generally those leases that are highly specialized or allow us to substantially utilize or pay for the entire 
asset over its useful life. All other leases are classified as operating leases. 

Delek leases land, buildings and various equipment under primarily operating lease arrangements, most of which provide the option, after the initial 
lease term, to renew the leases. Some of these lease arrangements include fixed lease rate increases, while others include lease rate increases 
based upon such factors as changes, if any, in defined inflationary indices.

For all leases that include fixed rental rate increases, these are included in our fixed lease payments. Our leases may include variable payments, 
based on changes on price or other indices, that are expensed as incurred.

Delek calculates the total lease expense for the entire noncancelable lease period, considering renewals for all periods for which it is reasonably 
certain to be exercised, and records lease expense on a straight-line basis in the accompanying consolidated statements of income. Accordingly, 
a lease liability is recognized for these leases and is calculated to be the present value of the fixed lease payments, as defined by ASC 842-20, 
using a discount rate based on our incremental borrowing rate. A corresponding right-of-use asset is recognized based on the lease liability and 
adjusted for certain costs and prepayments. See Note 24 for further information.

Income Taxes

Income taxes are accounted for under the provisions of ASC 740, Income Taxes ("ASC 740"). This standard generally requires Delek to record 
deferred income taxes for the differences between the book and tax bases of its assets and liabilities, which are measured using enacted tax rates 
and laws that will be in effect when the differences are expected to reverse. Deferred income tax expense or benefit represents the net change 
during the year in our deferred income tax assets and liabilities, exclusive of the amounts held in other comprehensive income.

ASC 740 also prescribes a comprehensive model for how companies should recognize, measure, present and disclose in their financial statements 
uncertain tax positions taken or expected to be taken on a tax return and prescribes the minimum recognition threshold a tax position is required 
to meet before being recognized in the financial statements. Finally, ASC 740 requires an annual tabular roll-forward of unrecognized tax benefits.

The Tax Cuts and Jobs Act (the "Tax Reform Act") was enacted on December 22, 2017. The Tax Reform Act reduces the U.S. federal corporate 
tax rate from 35% to 21%, provides for immediate deduction of qualified capital assets placed in service, requires companies to pay a one-time 
transition tax on earnings of certain foreign subsidiaries that were previously tax deferred and creates new taxes on certain foreign sourced earnings. 
In the fourth quarter of fiscal 2018 we finalized our accounting analysis based on the guidance, interpretations, and data available.  Adjustments 
made upon finalization of our accounting analysis were not material to our consolidated financial statements. See Note 15 for further discussion.

Equity-Based Compensation

ASC 718, Compensation - Stock Compensation ("ASC 718"), requires the cost of all share-based payments to employees, including grants of 
employee stock options, to be recognized in the income statement and establishes fair value as the measurement objective in accounting for share-
based payment arrangements. ASC 718 requires the use of a valuation model to calculate the fair value of stock-based awards on the date of 
grant. Delek uses the Black-Scholes-Merton option-pricing model to determine the fair value of stock option and stock appreciation right (SAR) 
awards.

Restricted stock units ("RSUs") are valued based on the fair market value of the underlying stock on the date of grant. Performance-based RSUs 
("PRSUs") include a market condition based on the Company's total shareholder return over the performance period and are valued using a Monte-
Carlo simulation model.  We record compensation expense for these awards based on the grant date fair value of the award, recognized ratably 
over the measurement period.  Vested RSUs and PRSUs are not issued until the minimum statutory withholding requirements have been remitted 
to us for payment to the taxing authority.  As a result, the actual number of shares accounted for as issued may be less than the number of RSUs 
vested, due to any withholding amounts which have not been remitted.

We generally recognize compensation expense related to stock-based awards with graded or cliff vesting on a straight-line basis over the vesting 
period. It is our practice to issue new shares when share-based awards are exercised.  Our equity-based compensation expense includes estimates 

F-20 |

for forfeitures and volatility based on our historical experience. If actual forfeitures differ from our estimates, we adjust equity-based compensation 
expense accordingly.

Postretirement Benefits

In connection with the Delek/Alon Merger, we assumed defined benefit pension and postretirement medical plans for certain former Alon employees. 
We recognize the underfunded status of our defined benefit pension and postretirement medical plans as a liability. Changes in the funded status 
of our defined benefit pension and postretirement medical plans are recognized in other comprehensive income in the period when the changes 
occur. The funded status represents the difference between the projected benefit obligation and the fair value of the plan assets. The projected 
benefit obligation is the present value of benefits earned to date by plan participants, including the effect of assumed future salary increases. Plan 
assets are measured at fair value. We use December 31 of each year, or more frequently as necessary, as the measurement date for plan assets 
and obligations for all of our defined benefit pension and postretirement medical plans.  We straight-line amortize prior service costs and actuarial 
gains and losses over the average future service of members expected to receive benefits and use a 10% corridor in regards to the actuarial gains 
and losses.  See Note 22 for more information regarding our postretirement benefits.

The service cost component of net periodic benefit is included as part of general and administrative expenses in the accompanying consolidated 
statements of income. The other components of net periodic benefit are included as part of other expense (income), net in the accompanying 
consolidated statements of income. 

New Accounting Pronouncements Adopted During 2019

ASU 2016-02, Leases

In February 2016, the Financial Accounting Standards Board (the "FASB") issued guidance that requires the recognition of a lease liability and a 
right-of-use asset, initially measured at the present value of the lease payments, in the statement of financial condition for all leases with terms 
longer than one year. The guidance was subsequently amended to consider the impact of practical expedients and provide additional clarifications. 
This guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years.  We adopted the 
new lease standard on January 1, 2019. We elected the package of practical expedients which, among other things, allows us to carry forward 
the historical lease classification. For substantially all classes of underlying assets, we have elected the practical expedient not to separate lease 
and non-lease components, which allows us to combine the components if certain criteria are met. For certain leases of logistic assets, we account 
for the service component separately.  Further, we elected the optional transition method, which allows us to recognize a cumulative-effect adjustment 
to the opening balance sheet of retained earnings at the date of adoption and to not recast our comparative periods. We have not elected the 
hindsight practical expedient, which would have allowed us to use hindsight in determining the reasonably certain lease term.  The adoption of the 
lease accounting guidance had no impact on January 1, 2019 retained earnings and resulted in the recognition of a $206.0 million lease liability 
and a corresponding right-of-use asset on our consolidated balance sheet.  The adoption did not have a material impact on our consolidated income 
statement.  See Note 24 for further information.  

ASU 2017-12, Derivatives and Hedging - Targeted Improvements to Accounting for Hedging Activities

In  August 2017, the FASB issued guidance to better align financial reporting for hedging activities with the economic objectives of those activities 
for both financial (e.g., interest rate) and commodity risks. The guidance was intended to create more transparency in the presentation of financial 
results, both on the face of the financial statements and in the footnotes, and simplify the application of hedge accounting guidance. This guidance 
is effective for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. Companies are required to apply the 
guidance on a modified retrospective transition method in which the cumulative effect of the change is recognized within equity in the consolidated 
balance sheet as of the date of adoption. We adopted this guidance on January 1, 2019 and the adoption did not have a material impact on our 
business, financial condition or results of operations. See Note 12 for further information.

Accounting Pronouncements Not Yet Adopted

ASU 2019-12, Simplifying the Accounting for Income Taxes 

In December 2019, the FASB issued guidance which is intended to simplify various aspects related to accounting for income taxes, eliminate 
certain  exceptions  within ASC  740  and  clarify  certain  aspects  of  the  current  guidance  to  promote  consistency  among  reporting  entities. The 
pronouncement is effective for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2020, with early adoption 
permitted. We expect to adopt this guidance on the effective date and are currently evaluating the impact that adopting this new guidance will have 
on our business, financial condition and results of operations.

ASU 2018-15, Intangible - Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service 
Contract 

In August 2018, the FASB issued guidance related to customers’ accounting for implementation costs incurred in a cloud computing arrangement 
that is considered a service contract. This pronouncement aligns the requirements for capitalizing implementation costs in such arrangements with 
the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software. This pronouncement is effective for 
fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted, including adoption 
in  any  interim  period  for  which  financial  statements  have  not  been  issued.  Entities  can  choose  to  adopt  the  new  guidance  prospectively  or 

F-21 |

retrospectively. We expect to adopt this guidance prospectively on the effective date and do not expect adopting this guidance will have a material 
impact on our business, financial condition or results of operations.

ASU 2018-14, Compensation - Changes to the Disclosure Requirements for Defined Benefit Plans

In August 2018, the FASB issued guidance related to disclosure requirements for defined benefit plans. The pronouncement eliminates, modifies 
and adds disclosure requirements for defined benefit plans. The pronouncement is effective for fiscal years ending after December 15, 2020, and 
early adoption is permitted. We expect to adopt this guidance on the effective date and do not expect adopting this new guidance will have a 
material impact on our business, financial condition or results of operations.

ASU 2018-13, Fair Value Measurement - Changes to the Disclosure Requirements for Fair Value Measurement

In August 2018, the FASB issued guidance related to disclosure requirements for fair value measurements. The pronouncement eliminates, modifies 
and adds disclosure requirements for fair value measurements. The pronouncement is effective for fiscal years, and for interim periods within those 
fiscal years, beginning after December 15, 2019, with early adoption permitted. We expect to adopt this guidance on the effective date and do not 
expect adopting this new guidance will have a material impact on our disclosures included in the consolidated financial statements.

ASU 2016-13, Financial Instruments - Measurement of Credit Losses on Financial Instruments

In June 2016, the FASB issued guidance requiring the measurement of all expected credit losses for financial assets held at the reporting date 
based  on  historical  experience,  current  conditions,  and  reasonable  and  supportable  forecasts.  Organizations  will  now  use  forward-looking 
information to better inform their credit loss estimates. Entities are required to adopt this guidance using a modified retrospective approach, subject 
to certain limited exceptions.  The new guidance will be effective for Delek beginning with the first quarter of 2020 and is not expected to have a 
material impact on the Company's consolidated financial statements.

3. Acquisitions 

Alon

Effective July 1, 2017, we acquired the outstanding common stock of Alon (as previously defined the "Delek/Alon Merger"). Prior to the Delek/Alon 
Merger, Old Delek owned a non-controlling equity interest of approximately 47% of the outstanding shares of Alon, which was accounted for under 
the equity method of accounting (See Note 7).  Alon was a refiner and marketer of petroleum products, operating primarily in the south central, 
southwestern and western regions of the United States. 

Subject  to  the  terms  and  conditions  of  the  Delek/Alon  Merger Agreement  (the  "Merger Agreement"),  at  the  Effective Time,  each  issued  and 
outstanding share of Alon Common Stock, other than shares owned by Old Delek and its subsidiaries or held in the treasury of Alon, was converted 
into the right to receive 0.504 of a share of New Delek Common Stock, or, in the case of fractional shares of New Delek Common Stock, cash 
(without interest) in an amount equal to the product of (i) such fractional part of a share of New Delek Common Stock multiplied by (ii) $25.96 per 
share, which was the volume weighted average price of the Old Delek Common Stock, par value $0.01 per share as reported on the NYSE 
Composite Transactions Reporting System for the twenty consecutive NYSE full trading days ending on June 30, 2017. Each outstanding share 
of restricted Alon Common Stock was assumed by New Delek and converted into restricted stock denominated in shares of New Delek Common 
Stock, using the conversion rate applicable to the Delek/Alon Merger.  Committed but unissued share-based awards were exchanged and converted 
into rights to receive share-based awards indexed to New Delek Common Stock. 

In addition, subject to the terms and conditions of the Merger Agreement, each share of Old Delek Common Stock or fraction thereof issued and 
outstanding immediately prior to the Effective Time (other than Old Delek Common Stock held in the treasury of Old Delek, which was retired in 
connection with the Delek/Alon Merger) was converted at the Effective Time into the right to receive one validly issued, fully paid and non assessable 
share of New Delek Common Stock or such fraction thereof equal to the fractional share of New Delek Common Stock. All existing Old Delek stock 
options, restricted stock awards and stock appreciation rights were converted into equivalent rights with respect to New Delek Common Stock.

In connection with the Delek/Alon Merger, Alon, New Delek and U.S. Bank National Association, as trustee (the “Trustee”), entered into a First 
Supplemental Indenture (the “Supplemental Indenture”), effective as of July 1, 2017, supplementing the Indenture, dated as of September 16, 
2013 (the “Original Indenture”; the Original Indenture, as amended by the Supplemental Indenture, is referred to as the "Indenture"), pursuant to 
which Alon issued its 3.0% Convertible Senior Notes due 2018 (the “Convertible Notes”), which were convertible into shares of Alon’s Common 
Stock, par value $0.01 per share or cash or a combination of cash and Alon Common Stock, all as provided in the Indenture. The Supplemental 
Indenture provided that, as of the Effective Time, the right to convert each $1,000 principal amount of the Convertible Notes based on a number 
of shares of Alon Common Stock equal to the Conversion Rate (as defined in the Indenture) in effect immediately prior to the Delek/Alon Merger 
was changed into a right to convert each $1,000 principal amount of Convertible Notes into or based on a number of shares of New Delek Common 
Stock (at the exchange rate of 0.504), par value $0.01 per share, equal to the Conversion Rate in effect immediately prior to the Delek/Alon Merger. 
In addition, the Supplemental Indenture provided that, as of the Effective Time, New Delek fully and unconditionally guaranteed, on a senior basis, 
Alon’s obligations under the Convertible Notes. See Note 11 for further discussion.

Additionally, in connection with the Convertible Notes, Alon also entered into equity instruments, including call options (the "Call Options") and 
warrants (the "Warrants"), designed, in combination, to hedge a portion of the risk associated with the potential exercise of the conversion feature 

F-22 |

of the Convertible Notes and to mitigate the dilutive effect of such potential conversion. These equity instruments, in addition to the conversion 
feature, represent equity instruments originally indexed to Alon Common Stock that were exchanged for instruments with terms designed to preserve 
the original economic intent of such instruments and indexed to New Delek Common Stock in connection with the Delek/Alon Merger.  See Note 
11 for further discussion of these instruments and subsequent activity.

In connection with the Delek/Alon Merger, Delek acquired 100% of the general partner and 81.6% of the limited partner interests in the Alon 
Partnership, which owns a crude oil refinery in Big Spring, Texas with a crude oil throughput capacity of 73,000 barrels per day ("bpd") and an 
integrated wholesale marketing business.  Delek acquired the non-controlling interest in the Alon Partnership on February 7, 2018. In addition, as 
a result of the Delek/Alon Merger, Delek acquired a crude oil refinery in Krotz Springs, Louisiana with a crude oil throughput capacity of 74,000
bpd. In connection with the Delek/Alon Merger, Delek also acquired crude oil refineries in California, which have not processed crude oil since 
2012. On March 16, 2018, Delek sold to World Energy, LLC the Paramount, California refinery and the California renewables facility (AltAir). The 
transaction to dispose of certain assets and liabilities associated with the Long Beach, California refinery, to Bridge Point Long Beach, LLC, closed 
July 17, 2018. Alon was a marketer of asphalt, which it distributed through asphalt terminals located predominantly in the southwestern and western 
United States.  Alon also owned crude oil refineries in California, which have not processed crude oil since 2012. On May 21, 2018, Delek sold 
four asphalt terminals (included in Delek's corporate/other segment) and its 50% interest in an asphalt joint venture to an affiliate of Andeavor. See 
further discussion in Note 2 and Note 8. Finally, in connection with the Delek/Alon Merger, Delek acquired Alon's retail business where Alon was 
the largest 7-Eleven licensee in the United States and operating approximately 300 convenience stores which market motor fuels in Central and 
West Texas and New Mexico. 

The Delek/Alon Merger was accounted for using the acquisition method of accounting, which requires, among other things, that assets acquired 
and liabilities assumed be recognized on the balance sheet at their fair value as of the acquisition date. Transaction costs incurred by the Company 
in connection with the Delek/Alon Merger totaled approximately $6.6 million and $24.7 million for the years ended December 31, 2018 and 2017, 
respectively.  Such costs were included in general and administrative expenses in the accompanying consolidated statements of income.

Determination of Purchase Price 

The purchase consideration comprised of 19,250,795 Delek common stock units valued at $509 million and equity instruments originally indexed 
to Alon stock exchanged for instruments indexed to New Delek's stock and certain share-based payments that were required to be exchanged for 
awards indexed to New Delek's stock fair valued at $21.7 million. The fair value of Delek's pre-existing equity method investment in Alon was 
valued at $449 million on acquisition date based on the quoted market price of shares of Alon. Based on these components the total purchase 
price was $979.7 million, which was allocated as follows:

Cash

Receivables

Inventories

Prepaids and other current assets

Property, plant and equipment (1)

Equity method investments

Acquired intangible assets (2)

Goodwill (3)

Other non-current assets

Accounts payable

Obligation under Supply & Offtake Agreements

Other current liabilities

Environmental liabilities and asset retirement obligations

Deferred income taxes

Debt

Other non-current liabilities (4)

Fair value of net assets acquired

$

$

215.3

176.8

266.3

38.7

1,130.3

31.0

86.7

870.7

37.0

(263.4)

(208.9)

(308.6)

(234.6)

(194.0)

(568.0)

(95.6)

979.7

(1)        This fair value of property, plant and equipment is based on a valuation using a combination of the income, cost and market approaches. The useful lives are 
based upon guidelines for similar equipment, years since installation and consideration of costs spent on upgrades, repairs, turnarounds and rebuilds.

(2)         The acquired intangible assets amount included certain identified intangibles, the most significant of which were as follows:

• 

• 
• 
• 
• 

Third-party fuel supply agreement intangible that is subject to amortization with a fair value of $49.0 million, which is being amortized over a 10-year 
useful life; 
Fuel trade name intangible valued at $4.0 million, which is being amortized over 5 years;
Rights-of-way intangible valued at $9.5 million, which has an indefinite life;
Liquor license intangible valued at $8.5 million, which has an indefinite life; and
Below-market lease intangibles valued at $8.3 million, which is being amortized over the remaining lease term. 

F-23 |

(3)          Goodwill generated as a result of the Delek/Alon Merger consists of the value of expected synergies from combining operations, the acquisition of an existing 
integrated refining, marketing and retail business located in areas with access to cost–advantaged feedstocks with an assembled workforce that cannot be 
duplicated at the same costs by a new entrant, and the strategic advantages of having a larger market presence. The total amount of goodwill that is expected 
to be deductible for tax purposes is $15.5 million. Goodwill was allocated to reportable segments based on various relevant factors as follows: Refining - 
$801.3 million and Retail - $44.3 million. The remainder relates to the asphalt operations, which was included in the corporate, other and eliminations segment, 
and which was subsequently written off as part of the impairment on assets held for sale during the first quarter of 2018.

(4)        The assumed other non-current liabilities include liabilities related to above-market leases fair valued at $15.8 million, which is being amortized over the 

remaining lease term. 

Pro Forma Financial Information 

The following unaudited pro forma financial information presents the condensed combined results of operations of Delek and Alon for the year 
ended December 31, 2017, as if the Delek/Alon Merger had occurred on January 1, 2016, and reflects the final purchase price allocation. The 
unaudited pro forma financial information is not intended to represent or be indicative of the consolidated results of operations that would have 
been reported had the Delek/Alon merger been completed as of January 1, 2016, and should not be taken as indicative of New Delek's future 
consolidated results of operations. In addition, the unaudited pro forma condensed combined results of operations do not reflect any cost savings 
or associated costs to achieve such savings from operating efficiencies, synergies, debt refinancing or other restructuring that may result from the 
Delek/Alon Merger. The pro forma financial information also does not reflect certain non-recurring adjustments that have been, or are expected to 
be, recorded in connection with the Delek/Alon Merger, including any accrual for integration costs or transaction costs or additional transactions 
costs  related  to  the  Delek/Alon  Merger,  nor  any  retrospective  adjustments  related  to  the  conforming  of Alon's  accounting  policies  to  Delek's 
accounting policies, as such adjustments are impracticable to determine, and such adjustments are not expected to be indicative of on-going 
operations of the combined company. Finally, the pro forma presentation of net revenues and net income is inclusive of the revenue and net income 
(loss) attributable to the California Discontinued Entities (which are generally not material as the majority of the California Discontinued Entities 
were non-operating during the pro forma period). Pro forma adjustments are tax-effected at the Company's estimated statutory tax rates.

(in millions, except per share data)

Net revenues

Net income attributable to Delek

Earnings per share:

Basic

Diluted

Year Ended December 31,

2017 (1) (2)

(unaudited)

$

$

$

9,477.8

223.6

2.75

2.73

(1)  The pro forma information for the year ended December 31, 2017 has been updated to reflect the final purchase price allocation in the table above. 

(2)  The unaudited pro forma statements of operations reflect the following adjustments:

• 

• 

• 

• 

• 

• 

• 

• 

• 

To eliminate transactions between Delek and Alon for purchases and sales of refined products, reducing revenue and the associated cost of materials 
and other. Such pro forma eliminations resulted in a decrease to combined pro forma revenues by $59.0 million for the year ended December 31, 2017.

To eliminate the non-recurring transaction costs incurred during the historical periods.  Such adjustments to general and administrative expense have 
been estimated to result in an increase to pro forma pre-tax income attributable to Delek totaling $32.2 million for the year ended December 31, 2017.

To retrospectively reflect depreciation of property, plant and equipment and amortization of intangibles based on the fair value of the assets as of the 
acquisition date, as if that fair value had been reflected beginning January 1, 2016, and to retrospectively eliminate the amortization of any previously 
recorded intangibles. Such adjustments to depreciation and amortization have been estimated to result in an increase to pro forma pre-tax income 
attributable to Delek totaling $34.7 million for the year ended December 31, 2017.

To retrospectively reflect the accretion of asset retirement obligations and certain environmental liabilities. Such adjustments to general and administrative 
expense  have  been  estimated  to  result  in  a  decrease  to  pro  forma  pre-tax  income  attributable  to  Delek  totaling  $0.8  million  for  the  years  ended 
December 31, 2017.

To retrospectively reflect adjustments to interest expense, including the impact of discounts or premiums created by the difference in fair value and 
outstanding amounts as of the acquisition date (collectively, the “new effective yield”), by applying the new effective yield to historical outstanding 
amounts in the pro forma period and reversing previously recognized interest expense. Such net adjustments to interest expense have been estimated 
to result in an increase to pro forma pre-tax income attributable to Delek totaling $9.4 million for the year ended December 31, 2017. 

To eliminate Delek’s equity income previously recorded on its equity method investment in Alon, prior to the Delek/Alon Merger. Such pro forma elimination 
resulted in a decrease to pro forma pre-tax income totaling $3.2 million for the year ended December 31, 2017.

To eliminate the gain on remeasurement of the equity method investment in Alon totaling $190.1 million recognized during the year ended December 31, 
2017.

To record the tax effect on pro forma adjustments and additional tax benefit associated with dividends received from Alon at a combined U.S. (federal 
and state) income tax statutory blended rate of approximately 37% for the year ended December 31, 2017.

To adjust the weighted average number of shares outstanding based on 0.504 of a share of Delek common stock for each share of Alon common stock 

F-24 |

outstanding as of July 1, 2017, as if they were outstanding for the entire year ended December 31, 2017, reflecting the elimination of Alon historical 
weighted average shares outstanding and the addition of the estimated New Delek incremental shares issued. 

As of June 30, 2017, the carrying value of Delek's equity method investment in Alon was $252.6 million.  During the year ended December 31, 
2017, we recognized a gain of $196.4 million as a result of remeasuring the 47% equity method investment in Alon at its fair value as of the Effective 
Time of the Delek/Alon Merger, in accordance with ASC 805, net of a $6.3 million loss to record the reversal of accumulated other comprehensive 
income. This net gain of $190.1 million was recognized in the line item entitled gain on remeasurement of equity method investment in Alon in the 
consolidated statements of income.  The acquisition-date fair value of the pre-existing non-controlling interest in Alon was $449.0 million and is 
included in the measurement of the consideration transferred.

Delek began consolidating Alon's results of operations on July 1, 2017.  Alon operations contributed $4,428.3 million, $4,649.8 million and $1,950.0 
million to net revenues and $328.1 million, $394.9 million, and $90.1 million to pre-tax income for the years ended December 31, 2019, 2018 and 
2017, respectively, inclusive of the contribution of the California Discontinued Entities. 

Updates to the Preliminary Purchase Price Allocation 

During the year ended December 31, 2018, we continued our procedures to determine the fair value of assets acquired and liabilities assumed in 
the Delek/Alon Merger, as anticipated and disclosed in our 2017 Annual Report on Form 10-K (all of which were completed by June 30, 2018, 
within the permitted measurement period).  As a result, the following changes were made to the preliminary purchase price allocation disclosed in 
our 2017 Annual Report on Form 10-K:

Subsequent increases (decreases) to initial allocation of fair value of net assets acquired:

Receivables (1)

Inventories

Prepaids and other current assets (2)

Property, plant and equipment

Acquired intangible assets (3)

Accounts payable (4)

Obligation under Supply & Offtake Agreements (5)

Current portion of environmental liabilities

Other current liabilities (6)

Environmental liabilities and asset retirement obligations, net of current portion (7)

Deferred income taxes (8)

Other non-current liabilities (9)

Resulting increase to goodwill

$

$

10.7

(0.5)

9.7

(0.2)

7.7

6.0

10.9

0.4

22.3

65.3

(8.4)

(2.8)

66.3

(1)  Change primarily relates to the recognition of a receivable associated with a third-party indemnification agreement for asset retirement obligations for one of 

the acquired refineries that was previously under review, and finalization of an accrued receivable estimate.

(2)  Change primarily relates to a reclassification of RINs assets from other current liabilities to other current assets.

(3)  Change is primarily due to the addition of an intangible asset for certain below-market leases that had previously been identified but for which the evaluation 

and determination of fair value was not complete at December 31, 2017.

(4) Change  is  primarily  due  to  the  elimination  of  amounts  in  accounts  payable  in  the  retail  segment  that  were  determined  not  to  have  value  combined  with 

reclassifications of amounts to accounts receivable. 

(5)  Change relates to true-up of certain accounts related to one of the acquired supply and offtake agreements for contractual terms that were previously under 

review. 

(6)  Change is primarily due to an increase related to the reclassification of RINs assets from other current liabilities to other current assets and an increase related 
to the accrual of certain executive bonuses that were required under existing Alon employment agreements and related to service provided prior to the Delek/
Alon Merger, net of adjustments to current income taxes payable to true up income taxes related to the acquired net assets.

(7)  Change is to record the long-term portion of additional asset retirement obligations and environmental liabilities identified and/or to update preliminary estimates 

based on additional information.

(8)  Change is related to adjustments to net deferred tax liabilities based on the updated purchase price allocation and revisions of preliminary tax estimates.

(9)  Change is related to the reversal of an accrual established in the purchase price allocation related to a pre-acquisition legal contingency that was resolved during 

the first quarter 2018 in our favor.

F-25 |

 4. Segment Data

We aggregate our operating segments into three reportable segments: Refining, Logistics and Retail. Operations that are not specifically included 
in the reportable segments are included in Corporate, Other and Eliminations, which consists of the following:

• 

• 

• 

• 

• 

• 

our corporate activities;

results of certain immaterial operating segments, including our Canadian crude trading operations (as discussed in Note 12);

Alon's asphalt terminal operations effective with the Delek/Alon Merger (see Note 8 for further discussion);

our equity method investment in Alon prior to the Delek/Alon Merger (as discussed in Note 6);

our discontinued Paramount and Long Beach, California refinery and California renewable fuels facility operations (acquired as part of the 
Delek/Alon Merger) (see Note 8 for further discussion); and

intercompany eliminations.

Decisions concerning the allocation of resources and assessment of operating performance are made based on this segmentation.  Management 
measures the operating performance of each of the reportable segments based on the segment contribution margin.  Segment contribution margin 
is defined as net revenues less cost of materials and other and operating expenses, excluding depreciation and amortization. 

Refining Segment

The refining segment processes crude oil and other feedstocks for the manufacture of transportation motor fuels, including various grades of 
gasoline, diesel fuel and aviation fuel, asphalt and other petroleum-based products that are distributed through owned and third-party product 
terminals. The refining segment has a combined nameplate capacity of 302,000 barrels per day ("bpd") as of December 31, 2019, including the 
following:

• 

• 

• 

• 

• 

75,000 bpd Tyler, Texas refinery (the "Tyler refinery");

80,000 bpd El Dorado, Arkansas refinery (the "El Dorado refinery");

73,000 bpd Big Spring, Texas refinery (the "Big Spring refinery");

74,000 bpd Krotz Springs, Louisiana refinery (the "Krotz Springs refinery"); and

a non-operating refinery located in Bakersfield, California.

Prior to the Delek/Alon Merger, the refining segment had a combined nameplate capacity of 155,000 bpd, including the Tyler refinery and the El 
Dorado refinery. As of December 31, 2019, the refining segment also owns and operates three biodiesel facilities involved in the production of 
biodiesel fuels and related activities, located in Crossett, Arkansas, Cleburne, Texas and New Albany, Mississippi (acquired in October 2019). 
The biodiesel industry has historically been substantially aided by federal and state tax incentives.  One tax incentive program that has been 
significant to our renewable fuels facilities is the federal blender's tax credit (also known as the biodiesel tax credit or "BTC").  The BTC provides 
a $1.00 refundable tax credit per gallon of pure biodiesel to the first blender of biodiesel with petroleum-based diesel fuel. The blender's tax credit 
was re-enacted in December 2019 for the years 2020 through 2022 and was retroactively reinstated for 2018 and 2019. Previously, the blender's 
tax credit expired on December 31, 2016, but was retroactively reinstated during the first quarter of 2018 to extend through December 31, 2017.

The refining segment's petroleum-based products are marketed primarily in the south central, southwestern and western regions of the United 
States and also ships and sells gasoline into wholesale markets in the southern and eastern United States. Motor fuels are sold under the Alon 
or Delek brand through various terminals to supply Alon or Delek branded retail sites. In addition, Alon sells motor fuels through its wholesale 
distribution network on an unbranded basis. 

Logistics Segment

Our logistics segment owns and operates crude oil and refined products logistics and marketing assets. The logistics segment generates revenue 
by charging fees for gathering, transporting and storing crude oil and for marketing, distributing, transporting and storing intermediate and refined 
products in select regions of the southeastern United States and West Texas for our refining segment and third parties, and sales of wholesale 
products in the West Texas market. 

Retail Segment

Effective with the Delek/Alon Merger July 1, 2017 (see Note 3), Delek's retail segment includes the operations of Alon's owned and leased 
convenience store sites located primarily in central and West Texas and New Mexico. These convenience stores typically offer various grades 
of gasoline and diesel under the Alon or Delek brand name and food products, food service, tobacco products, non-alcoholic and alcoholic 
beverages, general merchandise as well as money orders to the public, primarily under the 7-Eleven and Alon brand names. Substantially all of 
the motor fuel sold through our retail segment is supplied by our Big Spring refinery, which is transferred to the retail segment at prices substantially 
determined by reference to published commodity pricing information. We operated 252 and 279 stores as of December 31, 2019 and 2018, 
respectively. 

In November 2018, we terminated the license agreement with 7-Eleven, Inc. and the terms of such termination require the removal of all 7-Eleven 

F-26 |

branding on a store-by-store basis by the earlier of December 31, 2021 or the date upon which our last 7-Eleven store is de-identified or closed. 
Merchandise sales at our convenience store sites will continue to be sold under the 7-Eleven brand name until 7-Eleven branding is removed at 
such convenience stores pursuant to the termination. In connection with certain strategic initiatives, we closed or sold 30 under-performing or 
non-strategic store locations for the year ended December 31, 2019 for total proceeds of $15.1 million. 

Significant Inter-segment Transactions

All inter-segment transactions have been eliminated in consolidation and consists primarily of the following:

• 

• 

• 

• 

• 

refining segment refined product sales to the retail segment to be sold through the store locations; 

refining segment sales of asphalt and refined product to entities included in corporate, other and eliminations;

logistics segment service fee revenue under service agreements with the refining segment based on the number of gallons sold and to share 
a portion of the margin achieved in return for providing marketing, sales and customer services;

logistics segment sales of wholesale finished product to our refining segment; and

logistics segment crude transportation, terminalling and storage fee revenue from our refining segment for the utilization of pipeline, terminal 
and storage assets. 

Business Segment Operating Performance

The following is a summary of business segment operating performance as measured by contribution margin for the year ended indicated (in 
millions):

Year Ended December 31, 2019

(In millions)

Refining (1)

Logistics

Retail

Corporate,
Other and
Eliminations

Consolidated

Net revenues (excluding intercompany fees and

sales)
Inter-segment fees and sales
Operating costs and expenses:
Cost of materials and other
Operating expenses (excluding depreciation and
amortization presented below)

Segment contribution margin
Depreciation and amortization
General and administrative expenses
Other operating income, net
Operating income
Capital spending (excluding business combinations)

$

$

$

$

$

8,095.9
702.6

7,544.5

492.4
761.6
134.3

$

$

323.0
261.0

336.5

74.1
173.4
26.7

$

$

838.0
—

684.7

94.8
58.5
11.2

$

41.3
(963.6)

(908.5)

20.9
(34.7)
22.1

266.6

$

9.9

$

20.5

$

131.1

$
$

9,298.2
—

7,657.2

682.2
958.8
194.3
274.7
(2.5)
492.3
428.1

Year Ended December 31, 2018

(In millions)

Refining (1)

Logistics

Retail

Net revenues (excluding intercompany fees and

sales)
Inter-segment fees and sales
Operating costs and expenses:
Cost of materials and other
Operating expenses (excluding depreciation
and amortization presented below)

Segment contribution margin
Depreciation and amortization
General and administrative expenses
Other operating expense, net
Operating income
Capital spending (excluding business

combinations)

$

$

$

F-27 |

$

$

8,771.4
839.0

8,279.9

465.4
865.1
133.7

$

$

416.8
240.8

429.1

58.7
169.8
26.0

$

$

915.4
—

755.8

100.7
58.9
24.6

203.9

$

11.6

$

10.0

$

91.7

Corporate,
Other and
Eliminations

Consolidated

$

129.5
(1,079.8)

10,233.1
—

(904.3)

20.2
(66.2)
15.1

8,560.5

645.0
1,027.6
199.4
247.6
(31.3)
611.9

317.2

$

$

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(In millions)
Net revenues (excluding intercompany fees and

sales)
Inter-segment fees and sales
Operating costs and expenses:
Cost of materials and other
Operating expenses (excluding depreciation
and amortization presented below)

Segment contribution margin
Depreciation and amortization
General and administrative expenses
Other operating expense, net
Operating income
Capital spending (excluding business

combinations)

$

$

$

Year Ended December 31, 2017

Refining

Logistics

Retail

Corporate,
Other and
Eliminations

Consolidated

$

$

6,364.5
256.1

5,852.2

317.7
450.7
109.2

$

$

382.3
155.8

372.9

43.3
121.9
21.9

$

$

426.7
—

350.3

49.6
26.8
7.0

$

93.6
(411.9)

(247.8)

18.4
(88.9)
15.2

128.2

$

18.4

$

11.7

$

19.2

$

$

7,267.1
—

6,327.6

429.0
510.5
153.3
175.9
1.0
180.3

177.5

(1)   Refining segment contribution margin for the year ended December 31, 2019 includes $77.6 million of BTC that was re-enacted in 2019,  $36.0 million of which related to 2018 
renewable blending activities. Refining segment contribution margin for the year ended December 31, 2018 includes $24.9 million of BTC that was enacted in 2018 all of which 
related to 2017 renewable blending activities.

Other Segment Information

Total assets by segment were as follows as of: 

Total assets

Less:

Inter-segment notes receivable

Inter-segment right of use lease assets

Total assets, excluding inter-segment notes
receivable and right of use assets

Total assets
Less:

Inter-segment notes receivable

Inter-segment right of use lease assets

Total assets, excluding inter-segment notes
receivable and right of use assets

December 31, 2019

Refining

Logistics

Retail

Corporate,
Other and
Eliminations

Consolidated

6,549.4

$

744.4

$

344.9

$

(622.4) $

7,016.3

(1,586.8)

(441.3)

—

—

—

—

1,586.8

441.3

—

—

4,521.3

$

744.4

$

344.9

$

1,405.7

$

7,016.3

December 31, 2018

Refining

Logistics

Retail

Corporate,
Other and
Eliminations

Consolidated

5,430.1

$

624.6

$

310.6

$

(604.7) $

5,760.6

(1,003.3)

—

—

—

—

—

1,003.3

—

—

—

4,426.8

$

624.6

$

310.6

$

398.6

$

5,760.6

$

$

$

$

F-28 |

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
5. Earnings (Loss) Per Share and Stock Repurchase Program 

Earnings (Loss) Per Share

Basic earnings per share (or "EPS") is computed by dividing net income (loss) by the weighted average common shares outstanding. Diluted 
earnings per share is computed by dividing net income (loss), as adjusted for changes to income that would result from the assumed settlement 
of the dilutive equity instruments included in diluted weighted average common shares outstanding, by the diluted weighted average common 
shares outstanding. For all years presented, we have outstanding various equity-based compensation awards that are considered in our diluted 
EPS calculation (when to do so would not be anti-dilutive), and is inclusive of awards disclosed in Note 21 to these consolidated financial statements. 
For those instruments that are indexed to our common stock, they are generally dilutive when the market price of the underlying indexed share of 
common stock is in excess of the exercise price. Additionally, in connection with the Delek/Alon Merger (disclosed in Note 3), we assumed certain 
equity instruments, including conversion options (associated with Convertible Notes) and Warrants, that were dilutive in certain periods in which 
they were outstanding (see discussion of these instruments in Note 11). The Convertible Notes conversion options were dilutive during the period 
they were outstanding when the incremental EPS calculated by dividing the increase in income associated with the elimination of interest expense 
on the convertible debt, net of tax, by the number of shares that would be issued upon conversion using the treasury stock method (which is 
applicable because of the cash settlement feature associated with the underlying principal) is dilutive to the overall diluted EPS calculation. The 
Warrants were generally dilutive during the periods they were outstanding when the market price of the underlying indexed share of common stock 
was in excess of the exercise price. All such instruments that may otherwise be dilutive may not be dilutive when there is net loss for the period. 
We also assumed Call Options in connection with the Delek/Alon Merger which were not reflected in the diluted weighted average common shares 
outstanding because to do so would have been antidilutive.  On September 17, 2018, Delek settled the Convertible Notes for a combination of 
cash and shares of New Delek Common Stock (See Note 11) and in November 2018, Delek entered into Warrant Unwind Agreements (the "Unwind 
Agreements" - See Note 11) with the holders of our outstanding common stock warrants; therefore, these instruments were only potentially dilutive 
for EPS for the years ended December 31, 2018 and 2017.

F-29 |

The following table sets forth the computation of basic and diluted earnings per share. 

Numerator:

Numerator for EPS - continuing operations

Income from continuing operations

Less: Income from continuing operations attributed to non-controlling interest

Income from continuing operations attributable to Delek (numerator for basic EPS - continuing
operations attributable to Delek)

Interest on convertible debt, net of tax

Numerator for diluted EPS - continuing operations attributable to Delek

Numerator for EPS - discontinued operations

Income (loss) from discontinued operations, including gain (loss) on sale of discontinued
operations

Less: Income tax expense (benefit)

Income (loss) from discontinued operations, net of tax

Less: Income from discontinued operations attributed to non-controlling interest

Income (loss) from discontinued operations attributable to Delek

Denominator:

Weighted average common shares outstanding (denominator for basic EPS)

Dilutive effect of convertible debt

Dilutive effect of warrants

Dilutive effect of stock-based awards

Weighted average common shares outstanding, assuming dilution

EPS:

Basic income (loss) per share:

Income (loss) from continuing operations

(Loss) income from discontinued operations

Total basic income (loss) per share

Diluted income (loss) per share:

Income (loss) from continuing operations

(Loss) income from discontinued operations

Total diluted income (loss) per share

Year Ended December 31,

2019

2018

2017

$

331.0

$

383.6

$

25.6

305.4

—

26.7

356.9

2.6

305.4

$

359.5

$

6.6

1.4

5.2

—

5.2

$

$

(10.9)

$

(2.2)

(8.7)

8.1

(16.8)

$

328.5

33.8

294.7

—

294.7

(8.6)

(2.7)

(5.9)

—

(5.9)

75,853,187

82,797,110

71,566,225

—

—

720,904

1,525,846

967,352

1,478,093

—

—

736,858

76,574,091

86,768,401

72,303,083

4.03

0.07

4.10

3.99

0.07

4.06

$

$

$

$

4.31

(0.20)

4.11

4.14

(0.19)

3.95

$

$

$

$

4.12

(0.08)

4.04

4.08

(0.08)

4.00

$

$

$

$

$

$

$

The following equity instruments were excluded from the diluted weighted average common
shares outstanding because their effect would be anti-dilutive:

Antidilutive stock-based compensation (because average share price is less than exercise price)

1,932,179

1,462,112

4,080,723

Antidilutive due to loss

Total antidilutive stock-based compensation

—

—

—

1,932,179

1,462,112

4,080,723

Antidilutive convertible debt instruments (because average share price is less than exercise
price)

Total antidilutive convertible debt instruments

Antidilutive warrants (because average share price is less than exercise price)

Total antidilutive warrants

—

—

—

—

—

—

—

—

2,811,652

2,811,652

2,806,291

2,806,291

F-30 |

Stock Repurchase Program 

In December 2016, our Board of Directors authorized a share repurchase program for up to $150.0 million of Delek common stock. Any share 
repurchases under the repurchase program may be implemented through open market transactions or in privately negotiated transactions, in 
accordance with applicable securities laws. The timing, price and size of repurchases will be made at the discretion of management and will depend 
on prevailing market prices, general economic and market conditions and other considerations. The repurchase program does not obligate us to 
acquire any particular amount of stock and does not expire.  We repurchased 762,623 shares, for a total of $25.0 million, pursuant to this repurchase 
program in December 2017.

On February 26, 2018, the Board of Directors approved a new $150.0 million authorization to repurchase Delek common stock.  This amount has 
no expiration date and is in addition to any remaining amounts previously authorized. On November 6, 2018, the Board of Directors authorized 
the repurchase of an additional $500.0 million of Delek common stock. During the year ended December 31, 2018, we repurchased 9,022,386 
shares of our common stock for a total of $365.3 million. The purchases included the 2.0 million shares of our common stock purchased from Alon 
Israel in connection with Delek’s rights pursuant to a Stock Purchase Agreement dated April 14, 2015, by and between Delek and Alon Israel. Alon 
Israel delivered a right of first offer notice to Delek on January 16, 2018, informing Delek of Alon Israel’s intention to sell the 2.0 million shares, and 
Delek accepted such offer on January 17, 2018. The total purchase price for the 2.0 million shares was approximately $75.3 million, or $37.64 per 
share. 

During the year ended December 31, 2019, we repurchased 5,039,034 common shares for $178.1 million.  As of December 31, 2019, there was 
approximately $231.7 million of authorization remaining under Delek's aggregate stock repurchase program (based on repurchases that had settled 
as of December 31, 2019).

6.  Delek Logistics and the Alon Partnership

Delek Logistics

Delek Logistics is a publicly traded limited partnership that was formed by Delek in 2012 to own, operate, acquire and construct crude oil and 
refined products logistics and marketing assets.  A substantial majority of Delek Logistics' assets are integral to Delek’s refining and marketing 
operations.  As of December 31, 2019, we owned a 61.4% limited partner interest in Delek Logistics, consisting of 15,294,046 common units, and 
a 94.6% interest in Delek Logistics GP, LLC which owns the entire 2.0% general partner interest, consisting of 498,482 general partner units, in 
Delek Logistics and all of the incentive distribution rights. 

The limited partner interests in Delek Logistics not owned by us are reflected in net income attributable to non-controlling interest in the accompanying 
consolidated statements of income and in non-controlling interest in subsidiaries in the accompanying consolidated balance sheets. 

In March 2018, Delek Logistics, through its wholly-owned subsidiary DKL Big Spring, LLC, completed the acquisition from a subsidiary of Delek 
(the Alon Partnership) of storage tanks and terminals that support our Big Spring, Texas refinery (the "Big Spring Logistic Assets Acquisition"), 
which included the execution of related commercial agreements. In addition, a new marketing agreement was entered into between the subsidiary 
of Delek Logistics and the Alon Partnership pursuant to which the subsidiary of Delek Logistics provides marketing services for product sales from 
Big Spring refinery. The cash paid for the transferred assets was $170.8 million, and the cash paid for the marketing agreement was $144.2 million. 
The transactions were financed with borrowings under the 2014 Facility (as defined in Note 11).  Additionally, the transaction resulted in the creation 
of a deferred tax asset related to the tax-book basis difference in the sold assets totaling $98.8 million, against which we have recorded a valuation 
allowance totaling $5.5 million for the portion of the deferred tax asset that relates to basis difference attributable to the non-controlling interest 
and therefore may not be realizable. Prior periods have not been recast in our Segment Data Note 4, as these assets did not constitute a business 
in accordance with the ASU 2017-01, Clarifying the Definition of a Business ("ASU 2017-01"), and were accounted for as acquisitions of assets 
between entities under common control. 

We have agreements with Delek Logistics that, among other things, establish fees for certain administrative and operational services provided by 
us and our subsidiaries to Delek Logistics, provide certain indemnification obligations and establish terms for fee-based commercial logistics and 
marketing services provided by Delek Logistics and its subsidiaries to us, including new agreements related to the Big Spring Logistic Assets 
Acquisition.  The revenues and expenses associated with these agreements are eliminated in consolidation.

Delek Logistics is a variable interest entity, as defined under GAAP, and is consolidated into our consolidated financial statements, representing 
our logistics segment. The assets of Delek Logistics can only be used to settle its own obligations and its creditors have no recourse to our assets. 
Exclusive of intercompany balances and the marketing agreement intangible asset between Delek Logistics and Delek which are eliminated in 
consolidation, the Delek Logistics consolidated balance sheets are included in the consolidated balance sheets of Delek.

F-31 |

The Delek Logistics consolidated balance sheets are presented below (in millions):

ASSETS

Cash and cash equivalents

Accounts receivable

Inventory

Other current assets

Property, plant and equipment, net

Equity method investments

Operating lease right-of-use assets

Goodwill

Intangible assets, net

Other non-current assets

Total assets

LIABILITIES AND DEFICIT

Accounts payable

Accounts payable to related parties

Current portion of operating lease liabilities

Accrued expenses and other current liabilities

Long-term debt

Asset retirement obligations
Operating lease liabilities, net of current portion
Deferred tax liabilities
Other non-current liabilities

Deficit

Total liabilities and deficit

Alon Partnership

December 31,

2019

2018

$

5.5

$

13.2

12.6

2.3

295.0

247.0

3.7

12.2

131.0

21.9

744.4

12.5

8.9

1.4

12.2

833.1

5.6
2.3
0.2
19.3

$

$

$

$

4.5

21.6

5.5

1.0

312.6

104.8

—

12.2

138.2

24.2

624.6

14.2

7.8

—

14.5

700.4

5.2
—
—
17.3

(151.1)

$

744.4

$

(134.8)

624.6

As part of the Delek/Alon Merger, we acquired the Alon Partnership which owns the assets and conducts the operations of the Big Spring refinery 
and the associated integrated wholesale marketing operations. On November 8, 2017, Delek and the Alon Partnership entered into a definitive 
merger agreement under which Delek agreed to acquire all of the outstanding limited partner units which Delek did not already own in an all-equity 
transaction (the "Alon Partnership Merger"). This transaction closed on February 7, 2018 (the "Merger Date").  Delek owned approximately 51.0 
million limited partner units of the Alon Partnership, or approximately 81.6% of the outstanding units, immediately prior to the Merger Date. Under 
terms of the merger agreement, the owners of the remaining outstanding units in the Alon Partnership that Delek did not own immediately prior to 
the Merger Date received a fixed exchange ratio of 0.49 shares of New Delek common stock for each limited partner unit of the Alon Partnership, 
resulting in the issuance of approximately 5.6 million shares of New Delek common stock to the public unitholders of the Alon Partnership.  Because 
the transaction represented a combination of ownership interests under common control, the transfer of equity from non-controlling interest to 
owned interest (additional paid-in capital) was recorded at carrying value and no gain or loss was recognized in connection with the transaction.  
Additionally, book-tax basis difference was created as a result of the transaction that resulted in a deferred tax asset of approximately $13.5 million, 
net of a valuation allowance on certain state income tax components, that also increased additional paid-in capital. Transaction costs incurred by 
the Company in connection with the Alon Partnership Merger totaled approximately $3.0 million for the year ended December 31, 2018. Such costs 
were included in general and administrative expenses in the accompanying consolidated statements of income.

The limited partner interests of the Alon Partnership prior to this acquisition were represented as common units outstanding.  As of December 31, 
2017, the 11.5 million common units held by the public represented approximately 18.4% of the Alon Partnership’s common units outstanding. The 
limited partner interests in the Alon Partnership not owned by us are reflected in net income attributable to non-controlling interest in the accompanying 
consolidated statements of income for the year ended December 31, 2017. 

Prior to the Alon Partnership Merger, we had agreements with the Alon Partnership, under which the Alon Partnership agreed to reimburse us for 
certain administrative and operational services provided by us and our subsidiaries to the Alon Partnership, indemnify us with respect to certain 
matters and establish terms for the supply of products by the Alon Partnership to us.

As of December 31, 2019 and 2018, the Alon Partnership is included in Delek's consolidated balance sheet as a wholly-owned subsidiary.

F-32 |

 
 
7.  Equity Method Investments 

Wink to Webster Pipeline LLC ("WWP")

On July 30, 2019, we, through our wholly-owned direct subsidiary Delek US Energy, Inc. (“Delek Energy”), entered into a limited liability company 
agreement (the “LLCA”) and related agreements with multiple joint venture members of Wink to Webster Pipeline LLC (“WWP”).  Pursuant to the 
LLCA, Delek Energy acquired a 15% ownership interest in WWP ("WWP Joint Venture").  WWP intends to construct and operate a crude oil pipeline 
system from Wink, Texas to Webster, Texas along with certain pipelines from Webster, Texas to other destinations in the Gulf Coast area. Pursuant 
to the LLCA, Delek Energy will be required to contribute its percentage interest of the applicable construction costs (including certain costs previously 
incurred by WWP) and it is anticipated that Delek Energy’s capital contributions will total approximately $340 million to $380 million over the course 
of construction (expected to be two to three years). During the year ended December 31, 2019, we made capital contributions totaling $126.7 
million. Subsequent to December 31, 2019, we made additional capital contributions totaling $18.9 million based on capital calls received. 

As of December 31, 2019, Delek's investment balance in WWP totaled $125.3 million, and our portion of net losses was $1.4 million for the year 
ended December 31, 2019. This investment is accounted for using the equity method and is included as part of total assets in corporate, other 
and eliminations in our segment disclosure.

Subsequent to December 31, 2019, on February 21, 2020, we, through our wholly-owned direct subsidiary Delek Energy, entered into the W2W 
Holdings LLC Agreement with MPLX Operations LLC ("MPLX") (collectively, with its wholly-owned subsidiaries, the "WWP Project Financing Joint 
Venture" or the "WWP Project Financing JV"). The WWP Project Financing JV was created for the specific purpose of obtaining financing, through 
its wholly-owned subsidiary, W2W Finance LLC, to fund our combined capital calls resulting from and occurring during the construction period of 
the pipeline system under the WWP Joint Venture, and to service that debt. In connection with the arrangement, both Delek Energy and MPLX 
contributed their respective 15% ownership interests to the WWP Project Financing JV as collateral for and in service of the related project financing. 
Accordingly, distributions received from WWP through the WWP Project Financing JV will first be applied in service of the related project financing 
debt, with excess distributions being made to the members of the WWP Project Financing JV as provided for in the W2W Holdings LLC Agreement. 
The obligations of the members under the W2W Holdings LLC Agreement are guaranteed by the parents of the members of the WWP Project 
Financing JV (i.e., for Delek Energy, the guarantee is from Delek US Holdings, Inc.). 

Red River Pipeline Company LLC ("Red River")

In May 2019, Delek Logistics, through its wholly owned indirect subsidiary DKL Pipeline, LLC (“DKL Pipeline”), entered into a Contribution and 
Subscription Agreement (the “Contribution Agreement”) with Plains Pipeline, L.P. (“Plains”) and Red River Pipeline Company LLC (“Red River”). 
Pursuant to the Contribution Agreement, DKL Pipeline contributed $124.7 million, substantially all of which was financed under the Delek Logistics 
Credit Facility (as defined in Note 11), to Red River in exchange for a 33% membership interest in Red River and DKL Pipeline’s admission as a 
member of Red River ("Red River Pipeline Joint Venture"). Red River owns a 16-inch crude oil pipeline running from Cushing, Oklahoma to 
Longview, Texas, with an expansion project planned to increase the pipeline capacity, which is expected to be completed during the first half of 
2020. Delek Logistics contributed an additional $3.5 million related to such expansion project in May 2019. As of December 31, 2019, Delek's 
investment balance in Red River totaled $131.0 million, and we recognized income on the investment totaling $8.4 million for the year ended 
December 31, 2019. This investment is accounted for using the equity method and is included as part of total assets in our logistics segment.

Other Investments

On May 14, 2015, Delek acquired from Alon Israel Oil Company, Ltd. ("Alon Israel") approximately 33.7 million shares of common stock (the "ALJ 
Shares") of Alon pursuant to the terms of a stock purchase agreement with Alon Israel dated April 14, 2015 (the "Alon Acquisition").  The ALJ 
Shares represented an equity interest in Alon of approximately 48% at the time of acquisition. Our equity method investment in Alon prior to the 
Delek/Alon Merger was reported in the corporate, other and eliminations segment.

Effective July 1, 2017, Alon became a wholly-owned subsidiary of New Delek in connection with the Delek/Alon Merger. In connection with the 
acquisition, we recognized a gain of $196.4 as a result of remeasuring the 47% equity method investment in Alon at its fair value as of the Effective 
Time of the Delek/Alon Merger, in accordance with ASC 805, net of a $6.3 million loss to record the reversal of accumulated other comprehensive 
income.  This net gain of $190.1 million was recognized in the line item entitled gain on remeasurement of equity method investment in Alon in the 
consolidated statements of income. The acquisition-date fair value of the pre-existing non-controlling interest in Alon was $449.0 million and is 
included in the measurement of the consideration transferred. See Note 3 for further discussion.

F-33 |

Below are the summarized financial information of the results of operations of Alon (in millions) for the previous periods when Alon was accounted 
for as an equity method investment: 

Income Statement Information

Net revenues

Gross profit

Pre-tax income

Net income

Net income attributable to Alon

For the period
January 1, 2017 to
June 30, 2017

$

2,269.7

351.2

20.0

15.0

9.5

In addition to Red River, Delek Logistics has two other joint ventures that own and operate logistics assets, and which serve third parties and 
subsidiaries of Delek. As of December 31, 2019 and 2018, Delek Logistics' investment balance in these joint ventures was $116.0 million and 
$104.8 million, respectively, and are accounted for using the equity method.

Effective with the Delek/Alon Merger, we acquired a 50% interest in two joint ventures that own asphalt terminals located in Fernley, Nevada, and 
Brownwood, Texas.  On May 21, 2018, Delek sold its 50% interest in the asphalt terminal located in Fernley, Nevada.  See Note 8 for further 
discussion. As of December 31, 2019 and 2018, Delek's investment balance in the Brownwood, Texas joint venture was $30.7 million and $23.1 
million, respectively. This investment is accounted for using the equity method and is included as part of total assets in the corporate, other and 
eliminations in our segment disclosure.

8.  Discontinued Operations and Assets Held for Sale 

Asphalt Terminals Held for Sale

On February 12, 2018, Delek announced it had reached a definitive agreement to sell certain assets and operations of four asphalt terminals 
(included in corporate, other and eliminations in our segment disclosure), as well as an equity method investment in an additional asphalt terminal, 
to an affiliate of Andeavor. This transaction included asphalt terminal assets in Bakersfield, Mojave and Elk Grove, California and Phoenix, Arizona, 
as well as Delek’s 50% equity interest in the Paramount-Nevada Asphalt Company, LLC joint venture that operated an asphalt terminal located 
in Fernley, Nevada. On May 21, 2018, Delek completed the transaction and received net proceeds of approximately $110.8 million, inclusive of 
the $75.0 million base proceeds as well as certain preliminary working capital adjustments. The assets associated with the owned terminals met 
the definition of held for sale pursuant to ASC 360 as of February 1, 2018, but did not meet the definition of discontinued operations pursuant to 
ASC 205-20, as the sale of these asphalt assets did not represent a strategic shift that would have a major effect on the entity's operations and 
financial results. Accordingly, depreciation ceased as of February 1, 2018, and the assets to be sold were reclassified to assets held for sale as 
of that date and were written down to the estimated fair value less costs to sell, resulting in an impairment loss on assets held for sale of $27.5 
million for the year ended December 31, 2018. All goodwill associated with the asphalt operations sold was written off in connection with the 
impairment charge discussed above. In connection with the completion of the sale transaction, we recognized a gain of approximately $13.3 
million, resulting primarily from the recognition of certain additional proceeds at closing associated with the asphalt terminals which were not 
previously determinable or probable and the recognition of the gain on the sale of the joint venture which was not previously recognized as held 
for sale (as it did not meet the criteria). Such gain on sale of the asphalt assets is reflected in results of continuing operations on the accompanying 
consolidated income statement for the year ended December 31, 2018.

California Discontinued Entities 

During the third quarter 2017, we committed to a plan to sell certain assets associated with our Paramount and Long Beach, California refineries 
(both non-operating refineries) and our California renewable fuels facility (AltAir), which were acquired as part of the Delek/Alon Merger.  As a 
result of this decision and commitment to a plan, and because it was made within three months of the Delek/Alon Merger, we met the requirements 
under ASC 205-20 and ASC 360 to report the results of the California Discontinued Entities as discontinued operations and to classify the California 
Discontinued Entities as a group of assets held for sale as of July 1, 2017. The property, plant and equipment of the California Discontinued Entities 
were recorded at fair value as part of the Delek/Alon Merger, and we have not recorded any depreciation of these assets since the Delek/Alon 
Merger. 

Sale of Paramount Refinery Assets and Altair

On March 16, 2018, Delek sold to World Energy, LLC ("World Energy") (i) all of Delek’s membership interests in the California renewable fuels 
facility ("AltAir") (ii) certain refining assets and other related assets located in Paramount, California and (iii) certain associated tank farm and 
pipeline assets and other related assets located in California. The sale involved initial proceeds due at closing, a subsequent working capital 

F-34 |

settlement as well as contingent proceeds for Delek's pro rata portion of any BTC relating to AltAir activities in 2018 earned through the sale date 
in connection with the re-enactment of the 2018 BTC that occurred in December 2019, and other final adjustments on retained contingent liabilities. 
In August 2019, we reached an agreement with World Energy to offset amounts payable by Delek under our seller obligations for the Ten-Tex 
Litigation matter (defined and further discussed in Note 14) against the working capital settlement receivable referenced above, and to convert the 
net receivable to a promissory note in the amount of $12.3 million (the "World Energy Note Receivable" or the "Note Receivable"). 

In connection with the sale, including the initial proceeds and the subsequent resolution of contingencies, we recorded the following:

(in millions)

Amount

Amount

Location

Initial cash proceeds received in March 2018:

Recognized in
2019

Recognized in
2018

Total Transaction

Amount

Continuing operations

Discontinued operations

Total cash proceeds

Add (less) non-cash balance sheet adjustments:

Receivable for working capital settlement

Note Receivable for working capital settlement, net of 
actual litigation settlement (1)

Relief of existing liability for contingent litigation (net of
immaterial rounding)

Net Contingent Proceeds Receivable related to re-
enactment of 2018 BTC

Additional proceeds

Total expected proceeds

Pre-tax loss (gain) on sale:

Initial loss on sale recognized in March 2018

Subsequent reduction of contingent litigation accrual
related to July 2019 settlement

Subsequent accrual for contingent proceeds due upon
re-enactment of the 2018 BTC

Total (gain) loss on sale before taxes

$

$

$

$

$

—

—

— $

(14.8)

12.3

4.9

5.7

8.1

8.1

$

Cash flows from investing activities -
continuing operations

Cash flows from investing activities -
discontinued operations

55.5

14.9

70.4

Balance sheet - Other current assets
(other receivables)

14.8

Balance sheet - Other current and non-
current assets (notes receivable)

—

— Balance sheet - Other current liabilities

Balance sheet - Other current assets
(other receivables) and other current
liabilities (other accrued liabilities)

—

14.8

85.2

— $

41.4 Loss on sale of discontinued operations

(2.4)

(5.7)

— Gain on sale of discontinued operations

— Gain on sale of discontinued operations

(8.1) $

41.4

$

$

$

$

55.5

14.9

70.4

—

12.3

4.9

5.7

22.9

93.3

41.4

(2.4)

(5.7)

33.3

(1)  The World Energy Note Receivable bears interest at a fixed rate of 6.0% per annum payable monthly, and requires monthly principal payments totaling approximately $0.5 million 
beginning in January 2020. The Note Receivable matures on December 31, 2021, subject to acceleration clauses if certain events occur. In the event that the BTC is re-enacted 
for 2018 and/or 2019 resulting in proceeds to World Energy for Altair's qualifying credits, the Note Receivable also provides for the pre-payment of the lesser of the remaining 
outstanding balance (and all accrued interest) or the amount of the BTC proceeds received will be payable to Delek within 15 days of such receipt. Because the BTC was re-enacted 
for those periods in December 2019, this acceleration provision will be applicable when the BTC proceeds are received by World Energy, which is expected to occur in 2020.

Sale of Long Beach Refinery Net Assets

The transaction to dispose of certain assets and liabilities associated with our Long Beach, California refinery to Bridge Point Long Beach, LLC 
closed July 17, 2018 resulting in initial cash proceeds of approximately $14.5 million, net of expenses, and resulting in a gain on sale of discontinued 
operations of approximately $1.4 million during the third quarter of 2018. We retained certain asset retirement obligations in connection with the 
disposition of the Long Beach refinery related to work that was required subsequent to the sale. As of December 31, 2019, the work has been 
completed and the remaining unused asset retirement obligations were written off resulting in additional gain on sale of discontinued operations 
of $1.9 million.

F-35 |

Operating Results of Discontinued Operations

The operating results, net of tax, from discontinued operations associated with the California Discontinued Entities are presented separately in 
Delek’s consolidated statements of income and the notes to the consolidated financial statements have been adjusted to exclude the discontinued 
operations.  Classification  as  discontinued  operations  requires  retrospective  reclassification  of  the  associated  assets,  liabilities  and  results  of 
operations for all periods presented, beginning (in this case) as of the date of acquisition, which was July 1, 2017.  Components of amounts reflected 
in income from discontinued operations are as follows (in millions):

December 31, 2019

December 31, 2018

December 31, 2017

Year Ended

$

— $

32.5

$

Net revenues

Cost of sales:

Cost of materials and other

Operating expenses (excluding depreciation and amortization)

Total cost of sales

General and administrative expenses

Other operating income, net

Interest expense

Interest income

Other expense, net

Gain (loss) on sale of California Discontinued Entities (1)

Income (loss) from discontinued operations before taxes

Income tax expense (benefit)

Income (loss) from discontinued operations, net of tax (2)

$

—

—

—

—

—

—

—

—

6.6

6.6

1.4

5.2

3.8

(9.4)

(5.6)

(1.1)

0.3

—

3.0

—

(40.0)

(10.9)

(2.2)

$

(8.7) $

82.4

(68.7)

(14.4)

(83.1)

(6.0)

(0.2)

(1.7)

—

—

—

(8.6)

(2.7)

(5.9)

(1)  See detail of subsequent adjustments to Gain (loss) on sale of discontinued operations in the table below.

(2)  Included in loss from discontinued operations is net income attributable to non-controlling interest totaling $(8.1) million related to AltAir for the year ended December 31, 2018. 

Subsequent Adjustments to Gain (Loss) on Sale of Discontinued Operations

Subsequent to the disposition of the California Discontinued Entities, we recognized certain adjustments that were attributable to operations of the 
California Discontinued Entities for periods prior to disposition, including (but not necessarily limited to): litigations, claims or assessments related 
to matters/events that occurred prior to disposition; indemnification of certain liabilities that related to the California Discontinued Entities and arose 
prior to disposition; and resolution of other contingencies including contingent proceeds. The following table provides a detail of the subsequent 
adjustments to the gain (loss) on sale of discontinued operations, as well as the remaining identified contingent liabilities:

(in millions)

Year Ended

December 31, 2019

December 31, 2018

Subsequent adjustments to gain (loss) on sale of discontinued operations (pre-tax):

Reduction of AltAir-related contingent litigation accrual related to July 2019 settlement (1)

Accrual for AltAir-related contingent proceeds due upon re-enactment of the 2018 BTC

Reduction of Paramount-related accrual for California emissions credits requirements

Write-off related to retained Long Beach asset retirement obligations and environmental liabilities

Total adjustments to gain (loss) on sale of discontinued operations (pre-tax)

$

$

2.4

5.7

(3.4)

1.9

6.6

$

$

As of

—

—

—

—

—

(in millions)

December 31, 2019

December 31, 2018

Remaining identified contingent liabilities (recorded in other current liabilities):

AltAir-related Ten-Tex Litigation Accrual (1)

Paramount-related accrual for California emissions credits requirements

(1)  Relates to the "Ten-Tex Litigation" further discussed in Note 14.

$

$

— $

3.4

$

5.0

—

F-36 |

9. Inventory

Carrying value of inventories consisted of the following (in millions):

Refinery raw materials and supplies

Refinery work in process

Refinery finished goods

Retail fuel

Retail merchandise

Logistics refined products

Total inventories

December 31, 2019

December 31, 2018

$

$

400.4

$

109.1

397.5

7.3

19.8

12.6

946.7

$

289.0

58.9

291.1

8.0

25.4

5.5

677.9

At December 31, 2019, we recorded a pre-tax inventory valuation reserve of $1.7 million, $1.2 million of which related to LIFO inventory, due to a 
market price decline below our cost of certain inventory products.  At December 31, 2018, we recorded a pre-tax inventory valuation reserve of 
$54.0 million, $39.4 million of which related to LIFO inventory, which reversed in the first quarter of 2019 due to the sale of inventory quantities 
that gave rise to the December 31, 2018 reserve. For the years ended December 31, 2019, 2018 and 2017, we recognized a net reduction (increase) 
in cost of materials and other in the accompanying consolidated statements of income related to the change in pre-tax inventory valuation of $52.3 
million, $(51.3) million and $14.0 million, respectively.

At December 31, 2019 and 2018, the excess of replacement cost over the carrying value (LIFO) of the Tyler refinery inventories was $14.9 million
and $1.5 million, respectively.  

Permanent Liquidations

We incurred a permanent reduction in a LIFO layer resulting in liquidation gain (loss) in our refinery inventory of $9.2 million, $(7.5) million and 
$0.9 million during the years ended December 31, 2019, 2018 and 2017, respectively.  These liquidation (losses) gains were recognized as a 
component of cost of materials and other in the accompanying consolidated statements of income. 

10. Crude Oil Supply and Inventory Purchase Agreements

Delek has Supply and Offtake Agreements with J. Aron & Company ("J. Aron") in connection with its El Dorado, Big Spring and Krotz Spring 
refineries (collectively, the "Supply and Offtake Agreements"). Pursuant to the Supply and Offtake Agreements, (i) J. Aron agrees to sell to us, and 
we agree to buy from J. Aron, at market prices, crude oil for processing at these refineries and (ii) we agree to sell, and J. Aron agrees to buy, at 
market prices, certain refined products produced at these refineries. The Supply and Offtake Agreements also provide for the lease to J. Aron of 
crude oil and refined product storage facilities, and the identification of prospective purchasers of refined products on J. Aron’s behalf. At the 
inception of the Supply and Offtake Agreements, we transferred title to a certain number of barrels of crude and other inventories to J. Aron (the 
"Step-In"), and the Supply and Offtake Agreements require the repurchase of remaining inventory (including certain "Baseline Volumes") at the 
termination of those Agreements (the "Step-Out"). The Supply and Offtake Agreements are accounted for as product financing arrangements under 
the fair value election provided by ASC 815 and ASC 825. 

Barrels subject to the Supply and Offtake Agreements are as follows:

(in millions)

El Dorado

Big Spring

Krotz Springs

Baseline Volumes pursuant to the respective Supply and Offtake Agreements

Barrels of inventory consigned under the respective Supply and Offtake Agreements as of 
December 31, 2019 (1)

Barrels of inventory consigned under the respective Supply and Offtake Agreements as of 
December 31, 2018 (1)

2.0

3.5

2.8

0.8

2.0

1.7

1.3

1.7

1.8

(1)  Includes Baseline Volumes plus/minus over/short quantities.

The El Dorado Supply and Offtake Agreement has a maturity date of April 30, 2020. The Big Spring and Krotz Springs Supply and Offtake Agreements 
expire in May 2021, except that J. Aron or Delek may elect to early terminate in May 2020 on prior notice, as defined in those Agreements. The 
Big Spring and Krotz Springs Supply and Offtake Agreements were amended in November 2019 to require such notice in February 2020, and 
again in January and February 2020 to ultimately require such notice in March 2020. The Supply and Offtake Agreements have certain termination 
provisions,  which  may  include  requirements  to  negotiate  with  third  parties  for  the  assignment  to  us  of  certain  contracts,  commitments  and 
arrangements, including procurement contracts, commitments for the sale of product, and pipeline, terminalling, storage and shipping arrangements.

F-37 |

The Supply and Offtake Agreements were amended in December 2018 for Big Spring and in January 2019 for El Dorado and Krotz Springs so 
that the repurchase of Baseline Volumes at the end of the Supply and Offtake Agreement term (representing the "Baseline Step-Out Liability" or, 
collectively, the "Baseline Step-Out Liabilities") will be based upon a fixed price. Prior to those amendments, the Baseline Step-Out Liabilities were 
based on market-indexed pricing. The amendments resulted in Baseline Step-Out Liabilities that are no longer subject to commodity price volatility, 
but for which its fair value is now subject to interest rate risk. As a result, we recorded gains on the change in fair value resulting from the modification 
of the instruments from commodities-based risk to interest rate risk in cost of materials and other in the periods in which the amendments occurred, 
including $7.6 million of which were recognized in the first quarter of 2019 and $4.0 million in the fourth quarter of 2018. Subsequent to these 
amendments, such Baseline Step-Out Liabilities continued to be recorded at fair value, where the fair value reflected changes in interest rate risk 
rather than commodity price risk under the fair value election provided by ASC 815 and ASC 825. Prior to the amendments, the Obligations under 
the  Supply  and  Offtake Agreements  were  all  classified  as  current  based  on  the  market-indexed  nature  of  the  liabilities.  Subsequent  to  the 
amendments, the Baseline Step-Out Liabilities are reflected as non-current liabilities on our consolidated balance sheet to the extent that they are 
not contractually due within twelve months. Monthly activity resulting in over and short volumes continue to be valued using market-indexed pricing, 
and are included in current liabilities (or receivables) on our consolidated balance sheet. Net balances payable (receivable) under the Supply and 
Offtake Agreements were as follows as of the balance sheet dates:

(in millions)

Balances as of December 31, 2019:

Baseline Step-Out Liability

Revolving over/short product financing liability

Total Obligations Under Supply and Offtake Agreements

Less: Current portion

Obligations Under Supply and Offtake Agreements - Noncurrent portion

Other receivable for monthly activity true-up (included in current receivables)

(in millions)

Balances as of December 31, 2018:

Baseline Step-Out Liability

Revolving over/short product financing liability

Revolving Step-Out Liability (prior to January 2019 amendments)

Total Obligations Under Supply and Offtake Agreements

Less: Current portion

Obligations Under Supply and Offtake Agreements - Noncurrent portion

Other (receivable) payable for monthly activity true-up (included in current
payables (receivables))

$

$

$

$

$

$

El Dorado

Big Spring

Krotz Springs

Total

125.5

$

93.0

218.5

218.5

— $

(16.4) $

57.2

73.5

130.7

73.5

57.2

$

$

87.6

40.5

128.1

40.5

87.6

$

$

(3.1) $

(3.5) $

El Dorado

Big Spring

Krotz Springs

Total

— $

—

152.6

152.6

152.6

— $

49.6

46.9

—

96.5

46.9

49.6

$

$

— $

—

113.1

113.1

113.1

— $

270.3

207.0

477.3

332.5

144.8

(23.0)

49.6

46.9

265.7

362.2

312.6

49.6

(7.8) $

(0.4) $

1.4

$

(6.8)

In September 2019, we amended the Supply and Offtake Agreements to increase the fixed Step-Out price on Baseline Volumes. As a result of the 
change in the contractual terms, we received cash, net of estimated fees paid, totaling approximately $38.9 million. No gain or loss was recognized 
as a result of these September 2019 amendments. Subsequent to December 31, 2019, in January 2020, we amended our three Supply and Offtake 
Agreements to convert the Baseline Step-Out Liabilities back to a market-indexed price subject to commodity price risk with corresponding changes 
to underlying market-based indices and certain differentials. 

As of December 31, 2019, the effective interest rates related to the Supply and Offtake Agreements, as amended, were as follows: 

Effective interest rate as of December 31, 2019

El Dorado

Big Spring

Krotz Springs

8.4%

9.3%

7.8%

The Supply and Offtake Agreements require payments of fees which are factored into the interest rate yield under the fair value accounting model. 
Recurring cash fees paid during the periods presented were as follows:

(in millions)

Recurring cash fees paid during the year ended December 31, 2019

Recurring cash fees paid during the year ended December 31, 2018

Recurring cash fees paid during the year ended December 31, 2017

El Dorado

Big Spring

Krotz Springs

Total

$

$

$

11.6

10.7

9.7

$

$

$

6.2

7.1

4.1

$

$

$

10.3

6.7

3.0

$

$

$

28.1

24.5

16.8

F-38 |

Interest expense recognized under the Supply and Offtake Agreements includes the yield attributable to recurring cash fees, one-time cash fees 
(e.g., in connection with amendments), as well as other changes in fair value, which may increase or decrease interest expense. Total interest 
expense incurred during the periods presented was as follows:

(in millions)

Interest expense for the year ended December 31, 2019

Interest expense for the year ended December 31, 2018

Interest expense for the year ended December 31, 2017

El Dorado

Big Spring

Krotz Springs

Total

$

$

$

15.4

10.7

9.7

$

$

$

5.5

7.1

4.1

$

$

$

12.1

6.7

3.0

$

$

$

33.0

24.5

16.8

Reflected in interest expense are gains totaling $9.3 million for the year ended December 31, 2019, related to the changes in fair value in the 
Baseline Step-Out Liabilities component of Obligations Under Supply and Offtake Agreements.

We maintained letters of credit under the Supply and Offtake Agreements as follows:

(in millions)

Letters of credit outstanding as of December 31, 2019

Letters of credit outstanding as of December 31, 2018

El Dorado

Big Spring and Krotz Springs

$

$

180.0

120.0

$

$

44.0

24.0

In connection with the Krotz Springs Supply and Offtake Agreement, prior to September 30, 2019, we granted a security interest to J. Aron in certain 
assets (including all of its accounts receivable and inventory) to secure our obligations to J. Aron. Pursuant to an amendment to the security 
agreement effective September 30, 2019, no cash, deposit accounts or accounts receivable constitute collateral.

11. Long-Term Obligations and Notes Payable

Outstanding borrowings, net of unamortized debt discounts and certain deferred financing costs, under Delek’s existing debt instruments are as 
follows (in millions):

Revolving Credit Facility

Term Loan Credit Facility (1)

Hapoalim Term Loan (2)

Delek Logistics Credit Facility

Delek Logistics Notes (3)

Reliant Bank Revolver

Promissory Notes

Less: Current portion of long-term debt and notes payable

December 31, 2019

December 31, 2018

$

30.0

$

1,069.5

39.5

588.4

244.7

50.0

45.0

2,067.1

36.4

$

2,030.7

$

300.0

682.9

—

456.7

243.7

30.0

70.0

1,783.3

32.0

1,751.3

(1)  Net  of  deferred  financing  costs  of  $3.5  million  and  $3.5  million,  respectively,  and  debt  discount  of    $12.5  million  and  $8.4  million,  respectively,  at  December 31,  2019  and 

December 31, 2018.

(2)  Net of deferred financing costs of $0.3 million and debt discount of $0.2 million at December 31, 2019.

(3)  Net of deferred financing costs of $4.0 million and $4.8 million, respectively, and debt discount of $1.3 million and $1.5 million, respectively, at December 31, 2019 and December 31, 

2018. 

Delek Revolver and Term Loan

On March 30, 2018 (the "Closing Date"), Delek entered into (i) a new term loan credit agreement with Wells Fargo Bank, National Association, 
as administrative agent (the "Term Administrative Agent"), Delek, as borrower, certain subsidiaries of Delek, as guarantors, and the lenders from 
time to time party thereto, providing for a senior secured term loan facility in an amount of $700.0 million (the "Term Loan Credit Facility") and (ii) 
a  second  amended  and  restated  credit  agreement  with  Wells  Fargo  Bank,  National  Association,  as  administrative  agent  (the  "Revolver 
Administrative Agent"), Delek, as borrower, certain subsidiaries of Delek, as guarantors, and the other lenders party thereto, providing for a senior 

F-39 |

 
 
secured asset-based revolving credit facility with commitments of $1.0 billion (the "Revolving Credit Facility" and, together with the Term Loan 
Credit Facility, the "New Credit Facilities").

The Revolving Credit Facility permits borrowings in Canadian dollars of up to $50.0 million. Prior to the December 2019 amendment, the Revolving 
Credit Facility permitted the issuance of letters of credit of up to $300.0 million, including letters of credit denominated in Canadian dollars of up 
to $10.0 million. On December 18, 2019, we amended the Second Amended and Restated Credit Agreement dated March 30, 2018, which 
increased the capacity to issue letters of credit under the agreement from $300.0 million up to $400.0 million. Delek may designate restricted 
subsidiaries as additional borrowers under the Revolving Credit Facility.

The Term Loan Credit Facility was drawn in full for $700.0 million on the Closing Date at an original issue discount of 0.50%. Proceeds under the 
Term Loan Credit Facility, as well as proceeds of approximately $300.0 million in borrowings under the Revolving Credit Facility on the Closing 
Date, were used to repay certain indebtedness of Delek and its subsidiaries (the “Refinancing”), as well as certain fees, costs and expenses in 
connection with the closing of the New Credit Facilities with any remaining proceeds held in cash. Proceeds of future borrowings under the 
Revolving Credit Facility will be used for working capital and general corporate purposes of Delek and its subsidiaries.  In connection with the 
Refinancing, we recorded a loss on extinguishment of debt totaling approximately $9.1 million during 2018. 

On May 22, 2019 (the "First Incremental Effective Date"), we amended the Term Loan Credit Facility agreement pursuant to the terms of the First 
Incremental Amendment to Term Loan Credit Agreement (the "Incremental Amendment"). Pursuant to the Incremental Amendment, the Company 
borrowed $250.0 million in aggregate principal amount of incremental term loans (the “Incremental Term Loans”) at an original issue discount of 
0.75%, increasing the aggregate principal amount of loans outstanding under the Term Loan Credit Facility on the First Incremental Effective 
Date to $943.0 million. 

On November 12, 2019 (the "Second Incremental Effective Date"), we amended the Term Loan Credit facility agreement pursuant to the terms 
of the Second Incremental Amendment to the Term Loan Credit Agreement (the "Second Incremental Amendment") and borrowed $150.0 million
in aggregate principal amount of incremental term loans (the "Incremental Loans") at an original issue discount of 1.21%, increasing the aggregate 
principal amount of loans outstanding under the Term Loan Credit Facility on the Second Incremental Effective Date to $1,088.3 million. The 
terms of the Incremental Term Loans and Incremental Loans are substantially identical to the terms applicable to the initial term loans under the 
Term Loan Credit Facility borrowed in March 2018. There are no restrictions on the Company's use of the proceeds of the Incremental Term 
Loans and Incremental Term Loans. The proceeds for the Incremental Term Loans may be used for (i) reducing utilizations under the Revolving 
Credit Facility, (ii) general corporate purposes and (iii) paying transaction fees and expenses associated with the Incremental Amendment. The 
proceeds for the Incremental Loans may be used for (i) for general corporate purposes (including growth capital expenditures) and (ii) to pay fees 
and expenses associated with the Second Incremental Amendment.

Interest and Unused Line Fees

The interest rates applicable to borrowings under the Term Loan Credit Facility and the Revolving Credit Facility are based on a fluctuating  rate 
of interest measured  by reference to either, at Delek’s option, (i) a base rate, plus an applicable margin, or (ii) a reserve-adjusted London Interbank 
Offered Rate ("LIBOR"), plus an applicable margin (or, in the case of Revolving Credit Facility borrowings  denominated in Canadian dollars, the 
Canadian dollar bankers' acceptances rate ("CDOR")). The initial applicable margin for all Term Loan Credit Facility borrowings was 1.50% per 
annum with respect to base rate borrowings and 2.50% per annum with respect to LIBOR borrowings.

On October 26, 2018, Delek entered into an amendment to the Term Loan Credit Facility (the “First Amendment”) to reduce the margin on 
borrowings under the Term Loan Credit Facility and incorporate certain other changes. The First Amendment decreased the applicable margins 
for borrowings under (i) Base Rate Loans from 1.50% to 1.25% and (ii) LIBOR Rate Loans from 2.50% to 2.25%, as such terms are defined in 
the Term Loan Credit Facility.  

The initial applicable margin for Revolving Credit Facility borrowings was 0.25% per annum with respect to base rate borrowings and 1.25% per 
annum with respect to LIBOR and CDOR borrowings, and the applicable margin for such borrowings after September 30, 2018 is based on 
Delek’s excess availability as determined by reference to a borrowing base, ranging from 0.25% to 0.75% per annum with respect to base rate 
borrowings and from 1.25% per annum to 1.75% per annum with respect to LIBOR and CDOR borrowings.

In addition, the Revolving Credit Facility requires Delek to pay an unused line fee on the average amount of unused commitments thereunder in 
each quarter, which fee will be at a rate of 0.25% or 0.375% per annum, depending on average commitment usage for such quarter. As of 
December 31, 2019, the unused line fee was set at 0.375% per annum.

Maturity and Repayments

The Revolving Credit Facility will mature and the commitments thereunder will terminate on March 30, 2023. The Term Loan Credit Facility matures 
on March 30, 2025 and requires scheduled quarterly principal payments on the last business day of the applicable quarter. Pursuant to the 
Incremental Amendment, quarterly payments increased from $1.75 million to $2.38 million. Pursuant to the Second Incremental Amendment, the 
quarterly  payments  increased  to  $2.75  million  commencing  with  December  31,  2019. Additionally,  the  Term  Loan  Credit  Facility  requires 
prepayments by Delek with the net cash proceeds from certain debt incurrences, asset dispositions and insurance or condemnation events with 
respect to Delek’s assets, subject to certain exceptions, thresholds and reinvestment rights. The Term Loan Credit Facility also requires annual 
prepayments with a variable percentage of Delek’s excess cash flow, ranging from 50% to 0% depending on Delek’s consolidated fiscal year end 
secured net leverage ratio. Delek may also make voluntarily prepayments under the Term Loan Credit Facility at any time, subject to a prepayment 

F-40 |

premium of 1.0% in connection with certain customary repricing events that may occur within six months after the Second Incremental Effective 
Date, with no premium applied after six months.

Guarantee and Security

The obligations of the borrowers under the New Credit Facilities are guaranteed by Delek and each of its direct and indirect, existing and future, 
wholly-owned domestic subsidiaries, subject to customary exceptions and limitations, and excluding Delek Logistics Partners, LP, Delek Logistics 
GP, LLC, and each subsidiary of the foregoing (collectively, the "MLP Subsidiaries"). Borrowings under the New Credit Facilities are also guaranteed 
by DK Canada Energy ULC, a British Columbia unlimited liability company and a wholly-owned restricted subsidiary of Delek.

The Revolving Credit Facility is secured by a first priority lien over substantially all of Delek’s and each guarantor's receivables, inventory, RINs, 
instruments, intercompany loan receivables, deposit and securities accounts and related books and records  and certain other personal property, 
subject to certain customary exceptions (the "Revolving Priority Collateral"), and a second priority lien over substantially all of Delek's and each 
guarantor's other assets, including all of the equity interests of any subsidiary held by Delek or any guarantor (other than equity interests in certain 
MLP Subsidiaries) subject to certain customary exceptions, but excluding real property (such real property and equity interests, the "Term Priority 
Collateral").

The Term Loan Credit Facility is secured by a first priority lien on the Term Priority Collateral and a second priority lien on the Revolving Priority 
Collateral, all in accordance with an intercreditor agreement between the Term Administrative Agent and the Revolver Administrative Agent and 
acknowledged by Delek and the subsidiary guarantors. Certain excluded assets are not included in the Term Priority Collateral and the Revolving 
Priority Collateral.

Additional Information

At December 31, 2019, the weighted average borrowing rate under the Revolving Credit Facility was 5.0% and was comprised entirely of a base 
rate borrowing and the principal amount outstanding thereunder was $30.0 million. Additionally, there were letters of credit issued of approximately 
$309.8 million as of December 31, 2019 under the Revolving Credit Facility.  Unused credit commitments under the Revolving Credit Facility, as 
of December 31, 2019, were approximately $660.2 million. 

At December 31, 2019, the weighted average borrowing rate under the Term Loan Credit Facility was approximately 4.05% comprised entirely 
of a LIBOR borrowing and the principal amount outstanding thereunder was $1,085.5 million. As of  December 31, 2019, the effective interest 
rate related to the Term Loan Credit Facility was 4.37%. 

Delek Hapoalim Term Loan 

On December 31, 2019, Delek entered into a term loan credit and guaranty agreement (the "Agreement") with Bank Hapoalim B.M. ("BHI") as 
the administrative agent. Pursuant to the Agreement, on December 31, 2019, Delek borrowed $40.0 million (the "BHI Term Loan"). The interest 
rate under the Agreement is equal to LIBOR plus a margin of 3.00%. The Agreement has a current maturity of December 31, 2022 and requires 
quarterly loan amortization payments of $0.1 million, commencing March 31, 2020. Proceeds may be used for general purposes.  The Agreement 
has an accordion feature that allows increasing the term loan to maximum size of $100.0 million, subject to receiving increased or new commitments 
from lenders and the satisfaction of certain other conditions precedent. Any such additional borrowings must be completed by December 31, 
2021. 

At December 31, 2019, the weighted average borrowing rate under the term loan was approximately 4.80% comprised entirely of a LIBOR 
borrowing and the principal amount outstanding thereunder was $40.0 million. As of December 31, 2019 , the effective interest rate related to the 
BHI Term Loan was 5.31%. 

Delek Logistics Credit Facility

Prior to its amendment and restatement on September 28, 2018, Delek Logistics had a $700.0 million senior secured revolving credit agreement 
with Fifth Third Bank ("Fifth Third"), as administrative agent, and a syndicate of lenders (the "2014 Facility") with a $100.0 million accordion feature, 
bearing interest at either the U.S. dollar prime rate, Canadian dollar prime rate, LIBOR, or a CDOR rate, in each case plus applicable margins, 
at the election of the borrowers and as a function of draw down currency. On September 28, 2018, Delek Logistics and all of its subsidiaries 
entered into a third amended and restated senior secured revolving credit agreement with Fifth Third as administrative agent and a syndicate of 
lenders (hereafter, the "Delek Logistics Credit Facility"). Under the terms of the Delek Logistics Credit Facility, among other things, the lender 
commitments were increased from $700.0 million to $850.0 million. The Delek Logistics Credit Facility also contains an accordion feature whereby 
Delek Logistics can increase the size of the credit facility to an aggregate of $1.0 billion, subject to receiving increased or new commitments from 
lenders and the satisfaction of certain other conditions precedent. 

The obligations under the Delek Logistics Credit Facility remain secured by first priority liens on substantially all of Delek Logistics' tangible and 
intangible assets.  Additionally, a subsidiary of Delek continues to provide a limited guaranty of Delek Logistics' obligations under the Delek 
Logistics Credit Facility.  The guaranty is (i) limited to an amount equal to the principal amount, plus unpaid and accrued interest, of a promissory 
note made by Delek in favor of the subsidiary guarantor (the "Holdings Note") and (ii) secured by the subsidiary guarantor's pledge of the Holdings 
Note to the Delek Logistics Credit Facility lenders.  As of both December 31, 2019 and 2018, the principal amount of the Holdings Note was 
$102.0 million.

F-41 |

The Delek Logistics Credit Facility has a maturity date of September 28, 2023.  Borrowings under the Delek Logistics Credit Facility bear interest 
at either a U.S. dollar prime rate, Canadian dollar prime rate, LIBOR, or a CDOR rate, in each case plus applicable margins, at the election of 
the borrowers and as a function of draw down currency.  The applicable margin, in each case, and the fee payable for the unused revolving 
commitments vary based upon Delek Logistics' most recent total leverage ratio calculation delivered to the lenders, as called for and defined 
under the terms of the Delek Logistics Credit Facility.  At December 31, 2019, the weighted average borrowing rate was approximately 4.7%.  
Additionally, the Delek Logistics Credit  Facility requires Delek Logistics to pay a leverage ratio dependent quarterly fee on the average unused 
revolving commitment.  As of December 31, 2019, this fee was 0.50% per year.  

As of December 31, 2019, Delek Logistics had $588.4 million of outstanding borrowings under the Delek Logistics Credit Facility, with no letters 
of credit in place.  Unused credit commitments under the Delek Logistics Credit Facility, as of December 31, 2019, were $261.6 million.  

Delek Logistics Notes

On May 23, 2017, Delek Logistics and Delek Logistics Finance Corp. (collectively, the “Issuers”) issued $250.0 million in aggregate principal 
amount of 6.75% senior notes due 2025 (the “Delek Logistics Notes”) at a discount. The Delek Logistics Notes are general unsecured senior 
obligations of the Issuers. The Delek Logistics Notes are unconditionally guaranteed jointly and severally on a senior unsecured basis by Delek 
Logistics' existing subsidiaries (other than Delek Logistics Finance Corp., the "Guarantors") and will be unconditionally guaranteed on the same 
basis by certain of Delek Logistics' future subsidiaries. The Delek Logistics Notes rank equal in right of payment with all existing and future senior 
indebtedness of the Issuers, and senior in right of payment to any future subordinated indebtedness of the Issuers. Interest on the Delek Logistics 
Notes is payable semi-annually in arrears on each May 15 and November 15, commencing November 15, 2017.

At any time prior to May 15, 2020, the Issuers may redeem up to 35% of the aggregate principal amount of the Delek Logistics Notes with the 
net cash proceeds of one or more equity offerings by Delek Logistics at a redemption price of 106.750% of the redeemed principal amount, plus 
accrued and unpaid interest, if any, subject to certain conditions and limitations. Prior to May 15, 2020, the Issuers may redeem all or part of the 
Delek Logistics Notes at a redemption price of the principal amount plus accrued and unpaid interest, if any, plus a "make whole" premium, subject 
to certain conditions and limitations. In addition, beginning on May 15, 2020, the Issuers may, subject to certain conditions and limitations, redeem 
all or part of the Delek Logistics Notes, at a redemption price of 105.063% of the redeemed principal for the twelve-month period beginning on 
May 15, 2020, 103.375% for the twelve-month period beginning on May 15, 2021, 101.688% for the twelve-month period beginning on May 15, 
2022, and 100.00% beginning on May 15, 2023 and thereafter, plus accrued and unpaid interest, if any. 

In the event of a change of control, accompanied or followed by a ratings downgrade within a certain period of time, subject to certain conditions 
and limitations, the Issuers will be obligated to make an offer for the purchase of the Delek Logistics Notes from holders at a price equal to 101.00%
of the principal amount thereof, plus accrued and unpaid interest.

In connection with the issuance of the Delek Logistics Notes, the Issuers and the Guarantors entered into a registration rights agreement, whereby 
the Issuers and the Guarantors were required to exchange the Delek Logistics Notes for new notes with terms substantially identical in all material 
respects with the Delek Logistics Notes except the new notes do not contain terms with respect to transfer restrictions. On April 25, 2018, Delek 
Logistics made an offer to exchange the Delek Logistics Notes and the related guarantees that were validly tendered and not validly withdrawn 
for an equal principal amount of exchange notes that are freely tradeable, as required under the terms of the original indenture (the “Exchange 
Offer”). The Exchange Offer expired on May 23, 2018 (the "Expiration Date"). The terms of the exchange notes that were issued as a result of 
the Exchange Offer (also referred to as the "2025 Notes") are substantially identical to the terms of the original Delek Logistics Notes. 

As of December 31, 2019, we had $250.0 million in outstanding principal amount under the Delek Logistics Notes. As of December 31, 2019, the 
effective interest rate to the Delek Logistics Notes was 7.43%.                                                                                                                                 

Alon Convertible Senior Notes (share values in dollars)

In connection with the Delek/Alon Merger, Alon, New Delek and U.S. Bank National Association, the Trustee, entered into the Supplemental 
Indenture, effective as of July 1, 2017, supplementing the Indenture, dated as of September 16, 2013 (the “Original Indenture”; the Original 
Indenture, as amended by the Supplemental Indenture, is referred to as the "Indenture"), pursuant to which Alon issued its 3.0% Convertible 
Senior Notes due 2018 (as previously defined, the “Convertible Notes”) in the aggregate principal amount of $150.0 million, which were convertible 
into shares of Alon’s Common Stock, par value $0.01 per share or cash or a combination of cash and Alon Common Stock, at Alon's election, all 
as provided in the Indenture. The Supplemental Indenture provides that, as of the Effective Time, the right to convert each $1,000 principal amount 
of the Convertible Notes based on a number of shares of Alon Common Stock equal to the Conversion Rate (as defined in the Indenture) in effect 
immediately prior to the Delek/Alon Merger was changed into a right to convert each $1,000 principal amount of Convertible Notes into or based 
on a number of shares of New Delek Common Stock (at the exchange rate of 0.504), par value $0.01 per share, equal to the Conversion Rate 
in effect immediately prior to the Merger. In addition, the Supplemental Indenture provided that, as of the Effective Time, New Delek fully and 
unconditionally guaranteed, on a senior basis, Alon’s obligations under the Convertible Notes.

Interest on the Convertible Notes was payable in arrears in March and September of each year. The Convertible Notes were not redeemable at 
our option prior to maturity. Under the terms of the Convertible Notes, the holders of the Convertible Notes could not require us to repurchase all 
or part of the notes except for instances of a fundamental change, as defined in the Indenture. 

F-42 |

The holders of the Convertible Notes could convert their notes at any time after June 15, 2018 into a settlement amount determined in accordance 
with the terms of the Indenture. The Convertible Notes could be converted into shares of New Delek Common Stock, into cash, or into a combination 
of cash and shares of New Delek Common Stock, at our election. In May 2018, we made the election and notified holders of our intention to 
satisfy the principal amount outstanding with cash and the incremental value of the conversion options with shares at maturity. The conversion 
rate of the Convertible Notes was subject to adjustment upon the occurrence of certain events, including cash dividend adjustments. On September 
17, 2018, Delek settled the Convertible Notes for a combination of cash and shares of New Delek Common Stock. The maturity settlement in 
respect of the Convertible Notes consisted of (i) cash payments totaling approximately $152.5 million which included a cash payment for outstanding 
principal of $150.0 million, a cash payment for accrued interest of approximately $2.2 million, a cash payment for dividends of approximately $0.3 
million and a nominal cash payment in lieu of fractional shares, and (ii) the issuance of approximately 2.7 million shares of New Delek Common 
Stock to holders of the Convertible Notes (the “Conversion Shares”). The issuance of the Conversion Shares was made in exchange for the 
Convertible Notes pursuant to an exemption from the registration requirements provided by Section 3(a)(9) of the Securities Act of 1933, as 
amended. Prior to the conversion, the conversion feature met the definition for recognition as a bifurcated equity instrument. 

Convertible Note Hedge Transactions

In connection with the Convertible Notes offering, Alon entered into convertible note hedge transactions with respect to Alon Common Stock (as 
previously defined, the “Call Options”) with the initial purchasers of the Convertible Notes (the “Hedge Counterparties”).  In connection with the 
Delek/Alon Merger, Alon, Delek and the Hedge Counterparties entered into amended and restated Call Options permitting us to purchase up to 
approximately 5.7 million shares of New Delek Common Stock, subject to customary anti-dilution adjustments, that underlie the Convertible Notes 
sold in the offering. 

On September 17, 2018, we exercised the Call Options in connection with the settlement of the Convertible Notes and received approximately 
2.7 million shares of our common stock from the Call Option counterparties, a cash payment for dividends of approximately $0.3 million and a 
nominal cash payment in lieu of fractional shares. On a net basis, the settlement of the Convertible Notes and the exercise of the Call Options 
resulted in no net dilution to our common stock. Prior to their exercise, the Call Options totaling $23.3 million were included as a reduction of 
additional paid-in capital on the consolidated balance sheets.

Warrant Transactions

In connection with the Convertible Notes offering, Alon also entered into warrant transactions whereby warrants to acquire Alon common stock 
were sold to the Hedge Counterparties. In connection with the Delek/Alon Merger, Alon, Delek and the Hedge Counterparties entered into amended 
and restated Warrants which allow the Hedge Counterparties to purchase up to approximately 5.7 million shares of New Delek Common Stock, 
subject  to  customary  anti-dilution  adjustments.  In  November  2018,  Delek  entered  into  Warrant  Unwind Agreements  with  the  holders  of  our 
outstanding common stock Warrants. Pursuant to the terms of the Unwind Agreements, we settled for cash all outstanding Warrants with the 
holders at various prices per Warrant as provided in the Unwind Agreements. The settlement amount was based on the volume-weighted average 
market price of our common stock taking into account an adjustment for the exercise price of the Warrants over a period of sixteen trading days 
beginning November 9, 2018 (the “Unwind Period”). Following the Unwind Period and upon the satisfaction of the payment obligation, the Warrants 
were canceled and the associated rights and obligations terminated. Based on the provisions of the Unwind Agreements, the amount paid to 
warrant holders in satisfaction of the payment obligation totaled approximately $36 million. 

Reliant Bank Revolver

Delek has an unsecured revolving credit agreement with Reliant Bank (the "Reliant Bank Revolver"). On December 16, 2019, we amended the 
Reliant Bank Revolver to extend the maturity date from June 28, 2020 to June 30, 2022, reduce the fixed interest rate from 4.75% to 4.50% per 
annum and increase the revolver commitment amount from $30.0 million to $50.0 million. There were no other significant changes to the agreement.
The revolving credit agreement requires us to pay a quarterly fee of 0.50% per year on the average unused revolving commitment.  As of 
December 31, 2019, we had $50.0 million outstanding under this facility and no unused credit commitments under the Reliant Bank Revolver.

Promissory Notes

Delek has four notes payable (the "Promissory Notes") with various assignees of Alon Israel Oil Company, Ltd., the holder of a predecessor 
consolidated promissory note, which bear interest at a fixed rate of 5.50% per annum and which, collectively, requires annual principal amortization 
payments of $25.0 million through 2020 followed by a final principal amortization payment of $20.0 million at maturity on January 4, 2021. As of 
December 31, 2019, a total principal amount of $45.0 million was outstanding under the Promissory Notes. 

Restrictive Covenants

Under the terms of our Revolving Credit Facility, Term Loan Credit Facility, Delek Logistics Credit Facility, Delek Logistics Notes, Reliant Bank 
Revolver and BHI Agreement, we are required to comply with certain usual and customary financial and non-financial covenants. The terms and 
conditions of the Revolving Credit Facility include periodic compliance with a springing minimum fixed charge coverage ratio financial covenant 
if excess availability under the revolver borrowing base is below certain thresholds, as defined in the credit agreement. The Term Loan Credit 
Facility does not have any financial maintenance covenants. We believe we were in compliance with all covenant requirements under each of 
our credit facilities as of December 31, 2019.

F-43 |

Certain of our debt facilities contain limitations on the incurrence of additional indebtedness, making of investments, creation of liens, dispositions 
and acquisitions of assets, and making of restricted payments and transactions with affiliates.  Specifically, these covenants may limit the payment, 
in the form of cash or other assets, of dividends or other distributions, or the repurchase of shares with respect to the equity of our subsidiaries.  
Additionally, certain of our debt facilities limit our ability to make investments, including extensions of loans or advances to, or acquisitions of 
equity interests in, or guarantees of obligations of, any other entities.

Restricted Net Assets

Some of Delek's subsidiaries have restrictions in their respective credit facilities limiting their use of assets, as has been discussed above.  As 
of December 31, 2019, we had no subsidiaries with restricted net assets which would prohibit earnings from being transferred to the parent 
company for its use.

Future Maturities

Principal maturities of Delek's existing third-party debt instruments for the next five years and thereafter are as follows as of December 31, 2019
(in millions):

2020

2021

2022

2023

2024

Thereafter

Total

Revolving Credit Facility

$

— $

— $

— $

Term Loan Credit Facility

Hapoalim Term Loan

Delek Logistics Credit Facility

Delek Logistics Notes

Reliant Bank Revolver

Promissory Notes

Total

11.0

0.4

—

—

—

25.0

36.4

$

$

11.0

0.4

—

—

—

20.0

31.4

11.0

39.2

—

—

50.0

—

30.0

11.0

—

588.4

—

—

—

$

— $

— $

11.0

1,030.5

—

—

—

—

—

—

—

250.0

—

—

30.0

1,085.5

40.0

588.4

250.0

50.0

45.0

$

100.2

$

629.4

$

11.0

$

1,280.5

$

2,088.9

Obligations Extinguished in Connection with the 2018 Refinancing 

During the first quarter 2018, Delek had outstanding various credit facilities/debt instruments as follows, all of which were extinguished in connection 
with the March 2018 Refinancing:

Wells ABL

Our subsidiary, Delek Refining, Ltd., had an asset-based loan credit facility with Wells Fargo Bank, National Association, as administrative agent, 
and a syndicate of lenders, which was previously amended and restated on September 29, 2016 (the "Wells ABL"). The Wells ABL consisted of 
(i) a $450.0 million revolving loan (the "Wells Revolving Loan") and (ii) a $70 million term loan (the "Wells Term Loan"). Borrowings under the 
Wells Revolving Loan and Wells Term Loan bore interest based on separate predetermined pricing grids that allowed us to choose between base 
rate loans or LIBOR rate loans.  Additionally, the Wells ABL required us to pay a quarterly unused credit commitment fee.  This facility was amended 
and restated on March 30, 2018 in connection with the Refinancing and replaced by the New Credit Facilities, as previously defined.

Lion Term Loan

Our subsidiary, Lion Oil, had a term loan credit facility with Fifth Third Bank, as administrative agent, and a syndicate of lenders, with a total loan 
size of $275.0 million (the "Lion Term Loan"). For the period(s) it was outstanding, interest on the unpaid balance of the Lion Term Loan was 
computed at a rate per annum equal to LIBOR or a base rate, at our election, plus the applicable margins, subject in each case to an all-in interest 
rate floor of 5.50% per annum. 

Alon Partnership Facilities

Revolving Credit Facility

Alon USA, LP, a wholly-owned subsidiary of the Alon Partnership, had a $240.0 million asset-based revolving credit facility with Israel Discount 
Bank of New York, as administrative agent (the “Alon Partnership Credit Facility”). Borrowings under the Alon Partnership Credit Facility bore 
interest at LIBOR or base rate, at our election, plus the applicable margins. 

Partnership Term Loan Credit Facility

The Alon Partnership had a $250.0 million term loan with Credit Suisse AG, as administrative agent (the “Alon Partnership Term Loan”). The Alon 
Partnership Term Loan bore interest at a rate per annum equal to LIBOR (subject to a floor of 1.25%) or a base rate plus the applicable margins.

F-44 |

Alon Term Loan Credit Facilities 

Alon Energy Term Loan

Alon had a promissory note to Bank Hapoalim B.M. in an original principal amount of $25.0 million that was refinanced by Delek on December 
29, 2017 with a new note in the principal amount of $38.0 million ("New Alon Energy Term Loan"), The New Alon Energy Term Loan incurred 
interest at an annual rate equal to LIBOR plus an applicable margin. 

Alon Asphalt Term Loan

Alon had a term loan owed to Export Development Canada secured by liens on certain of our asphalt terminals (“Alon Asphalt Term Loan”) in an 
original principal amount of $35.0 million. The Alon Asphalt Term Loan bore interest at a rate equal to LIBOR plus an applicable margin. 

Alon Retail Credit Agreement

Alon wholly-owned subsidiaries Southwest Convenience Stores, LLC and Skinny’s LLC, (collectively, “Alon Retail”), had a credit agreement (“Alon 
Retail Credit Agreement”), that was to mature in March 2019, with Wells Fargo Bank, National Association, as administrative agent. The Alon 
Retail Credit Agreement included a term loan in an original principal amount of $110.0 million and a $10.0 million revolving credit facility. Borrowings 
under the Alon Retail Credit Agreement bore interest at LIBOR or base rate, at our election, plus an applicable margin, determined quarterly 
based upon Alon Retail’s leverage ratio. 

Total Amounts Outstanding and Repaid

Principal amounts outstanding and repaid in connection with the March 2018 Refinancing with respect to these credit facilities/debt instruments 
were as follows:

(in millions)

Wells ABL

Lion Term Loan

Alon Partnership Facilities

Alon Term Loan Credit Facilities

Alon Retail Credit Agreement

Total

Amount Outstanding/Repaid
at March 30, 2018

$

$

40.8

206.3

236.9

38.0

86.4

608.4

Additionally, on March 29, 2018, in anticipation of the March 2018 Refinancing, we also repaid $35.0 million of principal on the Alon Asphalt Term 
Loan.

12. Derivative Instruments

We use the majority of our derivatives to reduce normal operating and market risks with the primary objective of reducing the impact of market 
price volatility on our results of operations.  As such, our use of derivative contracts is aimed at:

• 

limiting the exposure to price fluctuations of commodity inventory above or below target levels at each of our segments;

•  managing our exposure to commodity price risk associated with the purchase or sale of crude oil, feedstocks and finished grade fuel products 

at each of our segments; 

•  managing the cost of our RINs Obligation using future commitments to purchase or sell RINs at fixed prices and quantities; and

• 

limiting the exposure to interest rate fluctuations on our floating rate borrowings.

We primarily utilize commodity swaps, futures, forward contracts and options contracts, generally with maturity dates of three years or less, and 
from time to time interest rate swap agreements to achieve these objectives. Futures contracts are standardized agreements, traded on a futures 
exchange, to buy or sell the commodity at a predetermined price at a specified future date. Options provide the right, but not the obligation to buy 
or sell the commodity at a specified price in the future. Commodity swap and futures contracts require cash settlement for the commodity based 
on the difference between a fixed or floating price and the market price on the settlement date, and options require payment of an upfront premium. 
Because these derivatives are entered into to achieve objectives specifically related to our inventory and production risks, such gains and losses 
(to the extent not designated as accounting hedges and recognized on an unrealized basis in other comprehensive income) are recognized in cost 
of materials and other. 

During the first quarter of 2018, we utilized Interest rate swap agreements to hedge floating rate debt by exchanging interest rate cash flows, based 
on a notional amount from a floating rate to a fixed rate. Effective with the Delek/Alon Merger, we had four interest rate swap agreements (that had 
maturities in March 2019) which effectively fixed the variable LIBOR interest component of the term loans within the Alon Retail Credit Agreement. 

F-45 |

The aggregate notional amount under these agreements were to cover approximately 77% of the outstanding principal of these term loans throughout 
the duration of the interest rate swaps. These interest rate swap agreements were terminated due to the extinguishment of the Alon Retail Credit 
Agreement in connection with the Refinancing on March 30, 2018, resulting in a reclassification of unrealized loss of $0.6 million from accumulated 
other comprehensive income to interest expense on the consolidated statement of income for the year ended December 31, 2018 - see Note 11
for further information. 

Forward contracts are agreements to buy or sell a commodity at a predetermined price at a specified future date, and for our transactions, generally 
require physical delivery. Forward contracts where the underlying commodity will be used or sold in the normal course of business qualify as normal 
purchases and normal sales pursuant to ASC 815 and are not accounted for as derivative instruments. Rather, such forward contracts are accounted 
for under other applicable GAAP. Forward contracts entered into for trading purposes that do not meet the normal purchases, normal sales exception 
are accounted for as derivative instruments at fair value with changes in fair value recognized in earnings in the period of change. For the years 
ended December 31, 2019 and 2018, all of our forward contracts that were accounted for as derivative instruments primarily consisted of contracts 
related to our Canadian crude trading operations. Since Canadian crude trading activity is not related to managing supply or pricing risk of the 
actual inventory that will be used in production, such unrealized and realized gains and losses are recognized in other operating income, net rather 
than cost of materials and other on the accompanying consolidated statements of income. There were no forward contract transactions that were 
accounted for as derivatives for the year ended December 31, 2017. 

Futures, swaps or other commodity related derivative instruments that are utilized to specifically provide economic hedges on our Canadian forward 
contract or investment positions are recognized in other operating income, net because that is where the related underlying transactions are 
reflected. 

From time to time, we also enter into future commitments to purchase or sell RINs at fixed prices and quantities, which are used to manage the 
costs associated with our RINs Obligation.  These future RIN commitment contracts meet the definition of derivative instruments under ASC 815, 
and are recorded at estimated fair value in accordance with the provisions of ASC 815. Changes in the fair value of these future RIN commitment 
contracts are recorded in cost of materials and other on the consolidated statements of income.  

At this time, we do not believe there is any material credit risk with respect to the counterparties to any of our derivative contracts.

In accordance with ASC 815, certain of our commodity swap contracts and our interest rate agreements have been designated as cash flow hedges 
and the change in fair value between the execution date and the end of period (or early termination date in regards to the four Alon retail interest 
rate swaps discussed above) has been recorded in other comprehensive income.  The fair value of these contracts is recognized in income in the 
same financial statement line item as hedged transaction at the time the positions are closed and the hedged transactions are recognized in income. 
In regards to our interest rate swap agreements, the losses in accumulated other comprehensive income were reclassified into earnings as a result 
of the discontinuance of cash flow hedges since the originally forecasted Alon Retail Credit Agreement interest payments did not occur by the end 
of the originally specified time period due to the Refinancing on March 30, 2018, as discussed above.

F-46 |

The following table presents the fair value of our derivative instruments as of December 31, 2019 and 2018.  The fair value amounts below are 
presented on a gross basis and do not reflect the netting of asset and liability positions permitted under our master netting arrangements, including 
cash collateral on deposit with our counterparties.  We have elected to offset the recognized fair value amounts for multiple derivative instruments 
executed with the same counterparty in our financial statements.  As a result, the asset and liability amounts below differ from the amounts presented 
in our consolidated balance sheets.  See Note 13 for further information regarding the fair value of derivative instruments as presented below (in 
millions):

Derivative Type

Balance Sheet Location

Assets

Liabilities

Assets

Liabilities

December 31, 2019

December 31, 2018

Derivatives not designated as hedging instruments:

Commodity derivatives(1)

Other current assets

$

188.9

$

(202.1) $

158.3

$

(142.4)

Commodity derivatives(1)

Other current liabilities

Commodity derivatives(1)

Other long-term assets

Commodity derivatives(1)

Other long-term liabilities

RIN commitment contracts(2)

Other current assets

RIN commitment contracts(2)

Other current liabilities

Derivatives designated as hedging instruments:

Commodity derivatives(1)

Other current assets

Commodity derivatives(1)

Other current liabilities

Commodity derivatives(1)

Other long-term assets

Interest rate derivatives

Other long-term liabilities

Total gross fair value of derivatives

Less: Counterparty netting and cash collateral(3)

Total net fair value of derivatives

24.4

—

23.4

0.6

—

3.4

—

0.2

—

240.9

210.7

(34.0)

—

(24.8)

—

(1.9)

(2.0)

—

(0.1)

—

(264.9)

(249.5)

—

2.1

93.0

2.0

—

(8.4)

(2.4)

(94.0)

—

(6.7)

200.3

(157.0)

—

6.1

—

461.8

399.9

—

(4.8)

—

(415.7)

(399.5)

(16.2)

$

30.2

$

(15.4) $

61.9

$

(1)  As of December 31, 2019 and 2018, we had open derivative positions representing 86,484,065 and 39,277,822 barrels, respectively, of crude oil and refined petroleum products. 
Of these open positions, contracts representing 600,000 and 16,461,000 barrels were designated as cash flow hedging instruments as of December 31, 2019 and 2018, respectively. 
Additionally, as of December 31, 2019, we had open derivative positions representing 40,050,000 One Million British Thermal Units, ("MMBTU") of natural gas products. 

(2)  As of December 31, 2019 and 2018, we had open RIN commitment contracts representing 147,000,000 and 137,750,000 RINs, respectively. 

(3)  As of December 31, 2019 and 2018, $38.8 million and $(0.4) million, respectively, of cash collateral (obligation) held by counterparties has been netted with the derivatives with 

each counterparty. 

Total gains (losses) on our hedging derivatives and RIN commitment contracts recorded in the consolidated statements of income are as follows 
(in millions):

Gains (losses) on commodity derivatives not designated as hedging instruments recognized in cost 

of materials and other (1)

Gains (losses) on commodity derivatives not designated as hedging instruments recognized in 

other operating income (expenses), net (1) (2)

Realized gains (losses) reclassified out of accumulated other comprehensive income and into cost
of materials and other on commodity derivatives designated as cash flow hedging instruments

Gains recognized in cost of materials and other due to cash flow hedging ineffectiveness on

commodity derivatives designated as hedging instruments

Total gains (losses)

Year Ended December 31,

2019

2018

2017

$

$

18.0

$

0.9

$

(33.1)

—

4.8

—

22.8

$

7.7

(1.7)

0.9

7.8

$

—

(38.6)

0.5

(71.2)

(1)  Gains (losses) on commodity derivatives that are economic hedges but not designated as hedging instruments include unrealized gains (losses) of $(41.0) million, $32.1 million
and $(13.0) million for the years ended December 31, 2019, 2018 and 2017, respectively. Of these amounts, approximately $(6.8) million and $8.1 million for the years ended 
December 31, 2019 and 2018, respectively, represent unrealized (losses) gains where the instrument has matured but where it has not cash settled as of period end, excluding 
the reversal of prior period settlement differences. Derivative instruments that have matured but not cash settled at the balance sheet date continue to be reflected in derivative 
assets or liabilities on our balance sheet.

(2)  See separate table below for disclosures about "trading derivatives."

F-47 |

The effect of cash flow hedge accounting on the consolidated statements of income is as follows (in millions):

Gain (loss) on cash flow hedging relationships recognized in cost of materials and other:

Commodity contracts:

Hedged items

Derivative designated as hedging instruments

Total

Year Ended December 31,

2019

$

$

(4.8)

4.8

—

For cash flow hedges, no component of the derivative instruments’ gains or losses was excluded from the assessment of hedge effectiveness for 
the years ended December 31, 2019, 2018 and 2017. Losses of $3.8 million, $1.5 million and $25.1 million, net of tax, on settled commodity 
contracts were reclassified into cost of materials and other in the consolidated statements of income during the years ended December 31, 2019, 
2018 and 2017, respectively.  We estimate that $1.4 million of deferred gains related to commodity cash flow hedges will be reclassified into cost 
of materials and other over the next 12 months as a result of hedged transactions that are forecasted to occur.  

Total gains on our trading forward contract derivatives (none of which were designated as hedging instruments) recorded in other operating (income) 
expense, net on the consolidated statements of income are as follows (in millions): 

Realized gains

Unrealized gains (losses)

 Total

13. Fair Value Measurements

Year Ended December 31,

2019

2018

$

$

5.1

3.6

8.7

$

$

23.1

(3.0)

20.1

Our assets and liabilities that are measured at fair value include commodity derivatives, investment commodities, environmental credits obligations 
and Supply and Offtake Agreements. ASC 820 requires disclosures that we categorize assets and liabilities measured at fair value into one of 
three different levels depending on the observability of the inputs employed in the measurement. Level 1 inputs are quoted prices in active markets 
for identical assets or liabilities. Level 2 inputs are observable inputs other than quoted prices included within Level 1 for the asset or liability, either 
directly or indirectly through market-corroborated inputs. Level 3 inputs are unobservable inputs for the asset or liability reflecting our assumptions 
about pricing by market participants.

Our commodity derivative contracts, which consist of commodity swaps, exchange-traded futures, options and physical commodity forward purchase 
and sale contracts (that do not qualify as normal purchases or normal sales exception under ASC 815), are valued based on exchange pricing 
and/or price index developers such as Platts or Argus and are, therefore, classified as Level 2. 

Investment commodities, which represent those commodities (generally crude oil) physically on hand as a result of trading activities with physical 
forward contracts, are valued using published market prices of the commodity on the applicable exchange and are, therefore, classified as Level 
1.

Our RIN commitment contracts are future commitments to purchase or sell RINs at fixed prices and quantities, which are used to manage the costs 
associated with our RINs Obligation.  These RIN commitment contracts are categorized as Level 2, and are measured at fair value based on quoted 
prices from an independent pricing service.

Our environmental credits obligation surplus or deficit is based on the amount of RINs or other emissions credits we must purchase, net of amounts 
internally  generated  and  purchased  and  the  price  of  those RINs or  other  emissions  credits  as  of  the  balance  sheet  date  by  refinery/obligor.  
The environmental credits obligation surplus or deficit is categorized as Level 2, and is measured at fair value either directly through observable 
inputs or indirectly through market-corroborated inputs. 

The environmental credits obligation is impacted by government regulation requiring such credits, and the obligation, and likewise the value of the 
underlying credits, may be impacted by exemptions granted by the regulatory agencies. During the third quarter of 2019, the Tyler, El Dorado and 
Krotz Springs refineries received approval from the EPA for a small refinery exemption from the requirements of the renewable fuel standard ("RIN 
Waivers") for the 2018 calendar year, which resulted in a reduction of our RINs Obligation and related cost of materials and other of approximately 
$20.7 million for the year ended December 31, 2019. During the first quarter 2019, the Tyler and Big Spring refineries received RIN Waivers for 

F-48 |

the 2017 calendar year, which had an immaterial impact on our results of operations, while the 2017 RIN Waivers for the El Dorado and Krotz 
Springs refineries received in March 2018 resulted in a reduction of our RINs Obligation and related cost of materials and other of approximately 
$90.9 million for the year ended December 31, 2018.  In March 2017, the El Dorado refinery received a RIN Waiver for the 2016 calendar year 
which resulted in a reduction of our RINs Obligation and related cost of material other of approximately $47.5 million for the year ended December 31, 
2017.

As of and for the years ended December 31, 2019 and 2018, we elected to account for our J. Aron step-out liability at fair value in accordance with 
ASC 825, as it pertains to the fair value option. As of December 31, 2018, our J. Aron step-out liability related to the El Dorado and Krotz Spring 
Supply and Offtake Agreements was categorized as Level 2, and measured at fair value using market prices for the consigned crude oil and refined 
products we were required to repurchase from J. Aron at the end of the term of the Supply and Offtake Agreement. With respect to the amended 
Supply and Offtake Agreements, such amendments being effective December 2018 for our Big Spring Agreement and January 2019 for our El 
Dorado and Krotz Springs Agreements and as all subsequently amended on September 19, 2019, we apply fair value measurement as follows: 
(1) we determine fair value for our amended fixed-price step-out liability based on changes in fair value related to interest rate risk where such 
obligation is categorized as Level 2; and (2) we determine fair value of the short-term commodity-indexed financing facility based on the market 
prices for the consigned crude oil and refined products collateralizing the financing/funding where such obligation is categorized as Level 2.

The fair value hierarchy for our financial assets and liabilities accounted for at fair value on a recurring basis was as follows (in millions):

Assets

Commodity derivatives

Investment commodities

RIN commitment contracts

Environmental Credits Obligation surplus

Total assets

Liabilities

Commodity derivatives

RIN commitment contracts

Environmental credits obligation deficit

J. Aron supply and offtake obligations

Total liabilities

Net liabilities

Assets

Commodity derivatives

Investment commodities

RIN commitment contracts

Environmental credits obligation surplus

Total assets

Liabilities

Commodity derivatives

RIN commitment contracts

Environmental credits obligation deficit

J. Aron supply and offtake obligations

Total liabilities

Net liabilities

F-49 |

As of  December 31, 2019

Level 1

Level 2

Level 3

Total

$

— $

240.3

$

— $

12.1

—

—

12.1

—

—

—

—

—

—

0.6

16.8

257.7

(263.0)

(1.9)

(18.5)

(477.3)

(760.7)

—

—

—

—

—

—

—

—

—

$

12.1

$

(503.0) $

— $

240.3

12.1

0.6

16.8

269.8

(263.0)

(1.9)

(18.5)

(477.3)

(760.7)

(490.9)

As of  December 31, 2018

Level 1

Level 2

Level 3

Total

$

— $

459.8

$

— $

15.8

—

—

15.8

—

—

—

—

—

—

2.0

—

461.8

(409.0)

(6.7)

(11.8)

(362.2)

(789.7)

—

—

—

—

—

—

—

—

—

$

15.8

$

(327.9) $

— $

459.8

15.8

2.0

—

477.6

(409.0)

(6.7)

(11.8)

(362.2)

(789.7)

(312.1)

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The derivative values above are based on analysis of each contract as the fundamental unit of account as required by ASC 820. In the table above, 
derivative assets and liabilities with the same counterparty are not netted where the legal right of offset exists. This differs from the presentation 
in the financial statements which reflects our policy, wherein we have elected to offset the fair value amounts recognized for multiple derivative 
instruments executed with the same counterparty and where the legal right of offset exists. As of December 31, 2019 and 2018, $38.8 million and 
$(0.4) million, respectively, of cash collateral (obligation) was held by counterparty brokerage firms and has been netted with the net derivative 
positions with each counterparty. See Note 12 for further information regarding derivative instruments.

14. Commitments and Contingencies

Litigation

In the ordinary conduct of our business, we are from time to time subject to lawsuits, investigations and claims, including environmental claims 
and employee-related matters. Although we cannot predict with certainty the ultimate resolution of lawsuits, investigations and claims asserted 
against us, including civil penalties or other enforcement actions, we do not believe that any currently pending legal proceeding or proceedings to 
which we are a party will have a material adverse effect on our financial statements. Certain environmental matters that have or may result in 
penalties or assessments are discussed below in the "Environmental, Health and Safety" section of this note. 

One of our Alon subsidiaries was the defendant in a legal action related to an easement dispute arising from a purchase of property that occurred 
in October 2013, prior to the Delek/Alon Merger. In June 2019, the court found in favor of the plaintiffs and assessed damages against such 
subsidiary totaling $6.7 million, which is included as of  December 31, 2019 in accrued expenses and other current liabilities on the accompanying 
consolidated  balance  sheet,  and  which  reflects  a  $5.7  million  increase  in  the  accrual  recorded  during  the  year  ended  December 31,  2019. 
Additionally, we have incurred $1.2 million of related legal expenses during the year ended December 31, 2019 and has been recorded in general 
and administrative expenses in the accompanying consolidated statements of income.

As of December 31, 2019 and 2018, AltAir (one of the California Discontinued Entities) was the party to a lawsuit whereby the plaintiff alleged 
breach of contract relating to a supply agreement during the period prior to the Delek/Alon Merger. We recorded a contingent liability associated 
with this matter (the "Ten-Tex Litigation") totaling $5.0 million as part of the purchase price allocation, which was finalized in June 2018. In July 
2019, we reached a settlement with the plaintiff, whereby we were obligated for $2.3 million of the judgment against AltAir plus expected legal 
fees of approximately $0.2 million. Related to this obligation, we reduced our litigation accrual by $2.4 million during the year ended December 31, 
2019, which was recorded in discontinued operations. In August 2019, we reached an agreement with World Energy to offset amounts payable 
by Delek under our seller obligations for the Ten-Tex Litigation matter against the working capital settlement receivable, and to convert the net 
receivable into the World Energy Note Receivable. As a result, this obligation is no longer reflected in our liabilities on the consolidated balance 
sheet as of December 31, 2019. See Note 8 for further discussion of these matters.

Self-insurance

Delek records a self-insurance accrual for workers’ compensation claims up to a $4.0 million deductible on a per accident basis, general liability 
claims up to $4.0 million on a per occurrence basis, and medical claims for eligible full-time employees up to $0.3 million per covered individual 
per calendar year. We also record a self-insurance accrual for auto liability up to a $4.0 million deductible on a per accident basis.

We have umbrella liability insurance available to each of our segments in an amount determined reasonable by management.

Environmental Health and Safety

We are subject to extensive federal, state and local environmental and safety laws and regulations enforced by various agencies, including the 
EPA, the United States Department of Transportation and the Occupational Safety and Health Administration, as well as numerous state, regional 
and local environmental, safety and pipeline agencies.  These laws and regulations govern the discharge of materials into the environment, waste 
management practices, pollution prevention measures and the composition of the fuels we produce, as well as the safe operation of our plants 
and pipelines and the safety of our workers and the public.  Numerous permits or other authorizations are required under these laws and regulations 
for the operation of our refineries, renewable fuels facilities, terminals, pipelines, underground storage tanks, trucks, rail cars and related operations, 
and may be subject to revocation, modification and renewal.

These laws and permits raise potential exposure to future claims and lawsuits involving environmental and safety matters which could include soil 
and water contamination, air pollution, personal injury and property damage allegedly caused by substances which we manufactured, handled, 
used, released or disposed of, transported, or that relate to pre-existing conditions for which we have assumed responsibility.  We believe that our 
current operations are in substantial compliance with existing environmental and safety requirements.  However, there have been and will continue 
to be ongoing discussions about environmental and safety matters between us and federal and state authorities, including notices of violations, 
citations and other enforcement actions, some of which have resulted or may result in changes to operating procedures and in capital expenditures.  
While it is often difficult to quantify future environmental or safety related expenditures, we anticipate that continuing capital investments and 
changes in operating procedures will be required for the foreseeable future to comply with existing and new requirements, as well as evolving 
interpretations and more strict enforcement of existing laws and regulations. 

F-50 |

On November 5, 2018, Alon and certain of its subsidiaries including Alon Bakersfield Property, Inc. (collectively, "ABPI") entered into a Settlement 
and Release Agreement (the "Settlement Agreement") with Equilon Enterprises, LLC, doing business as Shell Oil Products, US ("Shell"), a former 
owner of our non-operating Bakersfield refinery which was acquired by Delek in connection with the Delek/Alon Merger. The Settlement Agreement 
resolved certain disputed indemnification matters related to environmental obligations and asset retirement obligations at the Bakersfield refinery. 
As a result of this Settlement Agreement, Shell paid ABPI a lump sum payment of $34.0 million and conveyed to ABPI ownership of a non-operating 
terminal located on the site of the Bakersfield refinery (deemed to have little or no value) and the parties will terminate a nominal lease agreement 
related to such terminal. Of this total lump sum settlement payment, $14.0 million was previously recognized as an indemnification receivable in 
the purchase price allocation associated with the Delek/Alon Merger as of July 1, 2017, because such amounts represented indemnification that 
was deemed by the Company to be probable of realization based on existing indemnification agreements in place on the date of the acquisition 
and that related to identified asset retirement obligations that were also recognized in the purchase price allocation. Of the remaining settlement 
amount received, $16.0 million is attributable to additional recoveries of remediation costs and is included as a reduction of operating expenses, 
and $4.0 million is considered additional consideration for concessions made under the Settlement Agreement and is included as other income in 
the accompanying consolidated statements of income for the year ended December 31, 2018. 

The Big Spring refinery negotiated an agreement with the EPA for over 10 years under the EPA’s National Petroleum Refinery Initiative regarding 
alleged historical violations of the federal Clean Air Act related to emissions and emissions control equipment.  A consent decree resolving these 
alleged historical violations for the Big Spring refinery was lodged with the United States District Court for the Northern District of Texas on June 
6, 2017.  An amendment to such consent decree was agreed upon by the Delek and the EPA/Department of Justice ("DOJ") in late 2018 and was 
executed by Delek. That amended consent decree was lodged during the first quarter of 2019, and was entered by the Court on June 5, 2019. 
The civil penalty of $0.5 million was paid on June 18, 2019. Per amended consent decree, the Company will be required to expend capital for 
pollution control equipment that may be significant over the next 10 years. 

As of December 31, 2019, we have recorded an environmental liability of approximately $146.1 million, primarily related to the estimated probable 
costs of remediating or otherwise addressing certain environmental issues of a non-capital nature at our refineries, as well as terminals, some of 
which we no longer own.  This liability includes estimated costs for ongoing investigation and remediation efforts, which were already being performed 
by the former operators of the refineries and terminals prior to our acquisition of those facilities, for known contamination of soil and groundwater, 
as well as estimated costs for additional issues which have been identified subsequent to the acquisitions. Approximately $8.2 million of the total 
liability is expected to be expended over the next 12 months, with most of the balance expended by 2032, although some costs may extend up to 
30 years.  In the future, we could be required to extend the expected remediation period or undertake additional investigations of our refineries, 
pipelines and terminal facilities, which could result in the recognition of additional remediation liabilities.

Environmental liabilities with payments that are fixed or reliably determinable have been discounted to present value at various rates depending 
on their expected payment stream.  In regards to the environmental liabilities assumed in the Delek/Alon acquisition, the discount rates vary from 
1.51% to 2.84%.  See Note 3 for further information regarding the environmental liabilities assumed in the Delek/Alon Merger. 

The table below summaries our environmental liability accruals (in millions):

Discounted environmental liabilities

Undiscounted environmental liabilities

  Total accrued environmental liabilities

December 31,

2019

2018

$

$

59.5

86.6

146.1

$

$

58.7

84.6

143.3

 As of December 31, 2019, the estimated future payments of environmental obligations for which discounts have been applied are as follows (in 
millions): 

2020

2021

2022

2023

2024

Thereafter

Discounted environmental liabilities, gross

Less: Discount applied

Discounted environmental liabilities

F-51 |

$

$

4.0

3.0

3.0

4.0

2.6

63.1

79.7

20.2

59.5

Crude Oil and Other Releases 

We have experienced several crude oil and other releases involving our assets, including five releases that occurred in 2019 and six releases that 
occurred in 2018. Cleanup operations and site maintenance and remediation efforts on these and other releases are at various stages of completion.  
The majority of remediation efforts for these releases have been substantially completed, or have received regulatory closure.  Boom maintenance 
and confirmatory sampling has been completed on the releases that occurred in 2019, with the exception of one release, which is currently in boom 
maintenance.  We received regulatory closure in December of 2019 for the release sites that have not yet received it, with closure on a few remaining 
sites expected to occur in 2020.  

Many of the releases have occurred on the SALA gathering system.  During the year ended December 31, 2019, we decommissioned certain 
sections of the SALA  gathering system in an effort to improve the safety and integrity of the system. The decommissioning of these sections was 
completed in August 2019 and the project did not have a material effect on the financial statements.   

On October 3, 2019, a release of diesel fuel involving one of our pipelines occurred near Sulphur Springs, Texas (the "Sulphur Springs Release"). 
Cleanup operations and site maintenance and remediation on this release have been substantially completed where such costs incurred totaled 
$7.1 million during the year ended  December 31, 2019.  Ground water wells for monitoring activities are expected to be installed in the first quarter 
of 2020. We expect the monitoring period to last for at least a year.  We have not received notification that any legal action with respect to fines 
and penalties will be pursued by the regulatory agencies. 

Expenses incurred for the remediation of these crude oil and other releases are included in operating expenses in our consolidated statements of 
income.

The DOJ, on behalf of the EPA, and the State of Arkansas, on behalf of the Arkansas Department of Environmental Quality, have been pursuing 
an enforcement action against Delek Logistics with regard to potential violations of the Clean Water Act and certain state laws arising from the 
release of crude oil from a pumping facility at its Magnolia Station near the El Dorado Refinery (the "Magnolia Release") since June 2015.  On July 
13, 2018, the DOJ and the State of Arkansas filed a civil action against two of Delek Logistics’ wholly-owned subsidiaries, Delek Logistics Operating 
LLC and SALA Gathering Systems LLC, in the United States District Court for the Western District of Arkansas.  

In December 2018, Delek Logistics, the United States and the State of Arkansas reached an agreement to settle the claims related to the Magnolia 
Release for $2.2 million and the claims against Delek Logistics were resolved and an additional demand for a compliance audit at the Magnolia 
terminal was abandoned in exchange for payment of monetary penalties and other relief. In July 2019, Delek Logistics signed and submitted to 
the DOJ, a consent decree (the "Magnolia Consent Decree") to settle the release, and on August 30, 2019, the Magnolia Consent Decree was 
lodged with the Court. On November 8, 2019, the Magnolia Consent Decree was entered and on November 20, 2019, final payments were made 
to the State of Arkansas in the amount of $0.6 million and to the DOJ in the amount of $1.7 million, which includes interest.

Asset Retirement Obligations

The reconciliation of the beginning and ending carrying amounts of asset retirement obligations is as follows (in millions):

Beginning balance

Liabilities identified

Liabilities settled

Accretion expense

Reclassification from discontinued operations

Ending balance

Letters of Credit

December 31,

2019

2018

75.5

$

—

(8.6)

1.7

—

68.6

$

72.1

(1.2)

(2.2)

1.9

4.9

75.5

$

$

As of December 31, 2019, we had in place letters of credit totaling approximately $309.8 million with various financial institutions securing obligations 
primarily with respect to our commodity purchases for the refining segment and certain of our insurance programs. There were no amounts drawn 
by beneficiaries of these letters of credit at December 31, 2019.

F-52 |

15. Income Taxes

Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial 
reporting purposes and the amounts used for income tax purposes.

On December 22, 2017, the U.S. government enacted the Tax Reform Act, which made broad and complex changes to the U.S. tax code, including 
a permanent reduction in the U.S. federal corporate tax rate from 35% to 21% (“Rate Reduction”). The Tax Reform Act also puts into place new 
tax laws that will apply prospectively, which include, but are not limited to, modifying the rules governing the deductibility of certain executive 
compensation;  extending  and  modifying  the  additional  first-year  depreciation  deduction  to  accelerate  expensing  of  certain  qualified  property; 
creating a limitation on deductible interest expense; and changing rules related to uses and limitations of net operating loss carryforwards.  At 
December 31, 2018, we finalized our accounting analysis based on the guidance, interpretations, and data available. Adjustments made in the 
fourth quarter 2018 upon finalization of our accounting analysis were not material to our consolidated financial statements. We continue to monitor 
IRS guidance including final regulations, revenue rulings, revenue procedures, and applicable notices.

We applied the guidance in Staff Accounting Bulletin 118 (“SAB 118”), when accounting for the effects of the Tax Reform Act. In 2017, we made a 
reasonable estimate of the effects on our existing deferred tax balances, and recognized a provisional benefit amount of $166.9 million, which was 
included as a component of income tax expense from continuing operations.  We remeasured certain deferred tax assets and liabilities based on 
the rates at which they are expected to reverse in the future, which is generally 21% for federal purposes.  For the year ended December 31, 2018, 
we completed the analysis of the accounting for the tax effects of the Tax Reform Act, resulting in our recording of an additional tax benefit of $0.6 
million during 2018. These adjustments to the previously recorded provisional amounts include the tax effects on the existing deferred tax balances 
and executive compensation. We also had a reclassification of $1.6 million from accumulated other comprehensive income to retained earnings 
for stranded tax effects as of December 31, 2018 resulting from the Tax Reform Act.

On January 1, 2018, we adopted ASU 2016-16. As a result of the adoption, we decreased prepaid income taxes by $59.4 million, increased income 
taxes payable by $3.0 million, increased deferred tax assets by $18.0 million (net of a valuation allowance of $17.2 million), and decreased retained 
earnings by $44.4 million for the cumulative effect related to new guidance that requires recognizing the income tax consequences of an intra-
entity transfer of an asset other than inventory when the transfer occurs. 

Significant  components  of  Delek's  deferred  tax  assets  (liabilities)  reported  in  the  accompanying  consolidated  financial  statements  as  of  
December 31, 2019 and 2018 were as follows (in millions): 

December 31,

2019

2018

$

(306.3) $

(40.7)

—

(15.5)

(5.3)

(367.8)

4.3

14.5

52.4

—

40.7

48.3

5.5

165.7

(65.8)

$

(267.9) $

(275.6)

—

(12.5)

—

(5.5)

(293.6)

—

15.5

39.9

22.2

—

57.5

6.8

141.9

(58.5)

(210.2)

Non-Current Deferred Taxes:

Property, plant and equipment, and intangibles

Right-of-use asset

Derivatives and hedging

Partnership and equity investments

Deferred revenues

Total deferred tax liabilities

Derivatives and hedging

Compensation and employee benefits

Net operating loss carryforwards

Partnership and equity investments

Lease obligation

Reserves and accruals

Other

Total deferred tax assets

Valuation allowance

Total net deferred tax liabilities

F-53 |

The difference between the actual income tax expense and the tax expense computed by applying the statutory federal income tax rate to income 
from continuing operations was attributable to the following (in millions): 

Provision for federal income taxes at statutory rate

State income tax expense, net of federal tax provision

Income tax benefit attributable to non-controlling interest

Tax credits and incentives (1)

Executive compensation limitation

Stock compensation

Changes in valuation allowance

Amortization - prepaid taxes

Reversal of deferred taxes related to equity method investment in Alon

Impact of Tax Reform Act

Goodwill write-down

Other items

Income tax expense (benefit)

Year Ended December 31,

2019

2018

2017

$

84.6

$

102.0

$

6.3

(5.4)

(23.2)

2.0

(2.5)

7.3

—

—

—

—

2.6

3.4

(7.3)

(8.3)

1.7

(2.2)

7.7

—

—

(0.6)

5.3

0.2

$

71.7

$

101.9

$

104.7

9.0

(12.0)

(1.6)

1.5

(1.1)

(4.1)

—

45.3

(166.9)

—

(4.0)

(29.2)

(1)  Tax credits and incentives include work opportunity and research and development credits, as well as incentives for the Company’s biodiesel blending operations. 

Income tax expense (benefit) from continuing operations was as follows (in millions): 

Current

Deferred

Year Ended December 31,

2019

2018

2017

$

$

7.1

64.6

71.7

$

$

128.7

(26.8)

101.9

$

$

18.8

(48.0)

(29.2)

We carry valuation allowances against certain state deferred tax assets and net operating losses that may not be recoverable with future taxable 
income.  We also carry valuation allowances related to basis differences that may not be recoverable. During the years ended December 31, 2019
and 2018, we recorded increases to the valuation allowance of $7.3 million and $37.3 million ($17.2 million of which was charged to retained 
earnings as a result of the cumulative effect of the adoption of ASU 2016-16), respectively. 

In assessing the realizability of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred 
tax assets will be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the 
periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, projected 
future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections 
for future taxable income over the periods for which the deferred tax assets are deductible, management believes it is more likely than not Delek 
will realize the benefits of these deductible differences, net of the existing valuation allowance. The amount of the deferred tax assets considered 
realizable, however, could be reduced in the near term if estimates of future taxable income during the carryforward period are reduced. Subsequently 
recognized tax benefit or expense relating to the valuation allowance for deferred tax assets will be reported as an income tax benefit or expense 
in the consolidated statement of income.

State net operating loss and credit carryforwards at December 31, 2019 totaled $912.5 million and $2.4 million, respectively, a portion of which 
are subject to a valuation allowance. State net operating losses and tax credit carryforwards will begin expiring in 2020. 

Delek files a consolidated U.S. federal income tax return, as well as income tax returns in various state jurisdictions. Delek is no longer subject to 
U.S. federal income tax examinations by tax authorities for years through 2011.  Delek is under Joint Committee of Taxation review for tax years 
2012 through 2017.  Pre-acquisition tax returns for Alon USA Energy & Subsidiaries ("Alon") are closed for U.S. federal income tax examinations 
for the tax year ended December 31, 2012. Alon's federal tax returns for tax years 2014 through 2016 are currently under examination. Alon is 
currently under Joint Committee of Taxation review for tax year 2017. Delek is currently under audit in various states for tax years 2014 through 
2017. No material adjustments have been identified at this time.

F-54 |

ASC 740 provides a recognition threshold and guidance for measurement of income tax positions taken or expected to be taken on a tax return. 
ASC 740 requires the elimination of the income tax benefits associated with any income tax position where it is not "more likely than not" that the 
position would be sustained upon examination by the taxing authorities. 

Increases and decreases to the beginning balance of unrecognized tax benefits, which includes interest and penalties, during the years ended 
December 31, 2019, 2018, and 2017 were as follows: 

Balance at the beginning of the year

Additions based on tax positions related to current year

Additions for tax positions related to prior years and acquisitions

Reductions for tax positions related to prior years

Settlements with taxing authorities

Balance at the end of the year

2019

2018

2017

19.2

$

6.1

$

0.4

6.4

(13.0)

(0.9)

11.2

3.4

(0.9)

(0.6)

12.1

$

19.2

$

1.7

0.4

4.2

(0.2)

—

6.1

$

$

The amount of the unrecognized benefit above, that if recognized would change the effective tax rate, is $7.4 million as of both December 31, 2019
and 2018.

Delek recognizes accrued interest and penalties related to unrecognized tax benefits as an adjustment to the current provision for income taxes. 
We recognized interest (income) expense of $(1.1) million, $2.9 million, and $0.5 million related to unrecognized tax benefits during the years 
ended December 31, 2019 , 2018 and 2017.  The total recognized liability for interest was $2.4 million and $3.5 million as of December 31, 2019
and 2018, respectively.

Uncertain tax positions have been examined by Delek for any material changes in the next 12 months, and no material changes are expected.

16. Related Party Transactions

Our related party transactions consist primarily of transactions with our equity method investees (See Note 7). Transactions with our related parties 
were as follows for the periods presented:

(in millions)

Revenues (1)

Cost of materials and other (2)

(1)  Consists primarily of asphalt sales which are recorded in corporate, other and eliminations segment.

(2)  Consists primarily of pipeline throughput fees paid by the refining segment and asphalt purchases.

Year Ended December 31,

2019

2018

2017

$

$

86.0

44.9

$

$

33.7

21.4

$

$

50.5

26.3

F-55 |

17.  Property, Plant and Equipment

Property, plant and equipment, at cost, consist of the following (in millions):

Land

Building and building improvements

Refinery machinery and equipment

Pipelines and terminals

Retail store equipment and site improvements

Refinery turnaround costs

Other equipment

Construction in progress

Less: accumulated depreciation

December 31,

2019

2018

$

59.5

$

108.5

2,019.4

427.3

56.3

179.9

142.7

369.2

$

$

3,362.8

(934.5)

2,428.3

$

$

66.2

108.7

1,801.8

412.2

37.8

166.9

124.9

281.1

2,999.6

(804.7)

2,194.9

Property, plant and equipment, accumulated depreciation and depreciation expense by reporting segment are as follows (in millions):

As of and For the Year Ended December 31, 2019

Refining

Logistics

Retail

Corporate,
Other and
Eliminations

Consolidated

$

$

$

$

$

$

2,444.4

(658.6)

1,785.8

128.7

Refining

2,230.6

(584.2)

1,646.4

124.2

$

$

$

$

$

$

461.3

(166.3)

295.0

26.7

$

$

$

156.4

(36.6)

119.8

10.4

$

$

$

300.7

(73.0)

227.7

22.1

As of and For the Year Ended December 31, 2018

Logistics

Retail

Corporate,
Other and
Eliminations

452.7

(140.2)

312.5

25.9

$

$

$

146.5

(29.3)

117.2

23.8

$

$

$

169.8

(51.0)

118.8

15.1

$

$

$

$

$

$

3,362.8

(934.5)

2,428.3

187.9

Consolidated

2,999.6

(804.7)

2,194.9

189.0

Property, plant and equipment

Less: Accumulated depreciation

Property, plant and equipment, net

Depreciation expense

Property, plant and equipment

Less: Accumulated depreciation

Property, plant and equipment, net

Depreciation expense

18.  Goodwill 

Goodwill represents the excess of the aggregate purchase price over the fair value of the identifiable net assets acquired and is not amortized. 
Delek performs an annual assessment of whether goodwill retains its value. This assessment is done more frequently if indicators of potential 
impairment exist. We performed our annual goodwill impairment review in the fourth quarter of 2019, 2018 and 2017.  This review was performed 
at the reporting unit level, which is at or one level below our reportable segment. We performed a discounted cash flows test to estimate the value 
of each of our reporting units using a market participant weighted average cost of capital, estimated growth rates for revenue, forecasted crack 
spreads, gross margin, capital expenditures, and long-term growth rate based on history and our best estimate of future forecasts. We also 
corroborate the fair values of the reporting units using a multiple of expected future cash flows, such as those used by third-party analysts. With 
respect to the goodwill associated with the reporting units within the logistics segment, we performed a qualitative assessment in 2019 and 2018. 
For the years ended December 31, 2019, 2018 and 2017, the annual impairment review resulted in the determination that no impairment of goodwill 
had occurred, and we had no accumulated goodwill impairment losses as of December 31, 2019. 

F-56 |

 
A summary of our goodwill by segment is as follows (in millions):

Refining

Logistics

Retail

Corporate,
Other and
Eliminations

Total

Balance,

December 31, 2016

$

— $

12.2 $

— $

— $

Acquisitions

Balance,

December 31, 2017

Finalization of purchase price allocation for 2017 Delek/Alon Merger

Write-down resulting from asset held for sale impairment (1)

Balance,

December 31, 2018

Write-off of goodwill associated with retail stores sold

750.9

750.9

50.4

—

801.3

—

—

12.2

—

—

12.2

—

30.8

30.8

13.5

—

44.3

(2.1)

Balance,

December 31, 2019

$

801.3 $

12.2 $

42.2 $

22.7

22.7

2.4

(25.1)

—

—

— $

12.2

804.4

816.6

66.3

(25.1)

857.8

(2.1)

855.7

(1)  This write-down of goodwill resulted from the impairment of assets held for sale associated with the asphalt business to net realizable value, as discussed in Note 8.

Goodwill associated with the Delek/Alon Merger has been updated to reflect the final purchase price allocation in the table above for acquisitions 
during the year ended December 31, 2017. There was no goodwill allocated to the California Discontinued Entities as of December 31, 2019. 

19.  Other Intangible Assets

A summary of our identifiable intangible assets are as follows (in millions):

As of  December 31, 2019

Useful Life

Gross

Accumulated
Amortization

Net

Intangible Assets subject to amortization:

Third-party fuel supply agreement

Fuel trade name

Intangible assets not subject to amortization:

Rights-of-way

Line space history

Liquor licenses

Refinery permits

Total

10 years

5 years

Indefinite

Indefinite

Indefinite

Indefinite

$

49.0

$

4.0

(12.3) $

(2.0)

48.9

12.0

8.5

2.2

36.7

2.0

48.9

12.0

8.5

2.2

$

124.6

$

(14.3) $

110.3

As of  December 31, 2018

Useful Life

Gross

Accumulated
Amortization

Net

Intangible Assets subject to amortization:

Third-party fuel supply agreement

Fuel trade name

Below market leases

Intangible assets not subject to amortization:

Rights-of-way

Line space history

Liquor licenses

Refinery permits

Total

10 years

5 years

13 - 15 years

Indefinite

Indefinite

Indefinite

Indefinite

49.0

4.0

8.3

30.0

11.3

8.5

2.2

(7.4)

(1.2)

(0.3)

41.6

2.8

8.0

30.0

11.3

8.5

2.2

$

113.3

$

(8.9) $

104.4

Amortization of intangible assets was $5.7 million, $6.1 million, and $3.8 million during the years ended December 31, 2019, 2018 and 2017,  
respectively, and is included in depreciation and amortization on the accompanying consolidated statements of income, with the exception of an 
immaterial amount related to below market leases.  

F-57 |

Amortization expense for the next five years is estimated to be as follows (in millions): 

2020

2021

2022

2023

2024

20. Other Assets and Liabilities

The detail of other current assets is as follows (in millions):

Other Current Assets

Biodiesel tax credit (see Note 4)

Income and other tax receivables

Short-term derivative assets (see Note 12)

Prepaid expenses

Environmental Credits Obligation surplus (see Note 13)

RINs assets

Investment commodities

Note receivable - current portion (see Note 8)

Other

Total

The detail of other non-current assets is as follows (in millions):

Other Non-Current Assets

Supply and Offtake receivable

Other equity Investments

Deferred financing costs

Note receivable - non-current portion (see Note 8)

Long-term derivative assets (see Note 12)

Other

Total

$

$

$

$

$

5.7

5.7

5.3

4.9

4.9

December 31, 2019

December 31, 2018

$

$

97.5

61.9

30.2

21.9

16.8

14.5

12.1

6.2

7.6

—

24.3

61.9

15.8

10.3

13.0

15.6

—

7.8

$

268.7

$

148.7

December 31, 2019

December 31, 2018

$

$

32.7

$

8.9

8.5

6.2

0.1

11.4

67.8

$

32.7

—

10.6

—

1.0

8.6

52.9

F-58 |

The detail of accrued expenses and other current liabilities is as follows (in millions):

Accrued Expenses and Other Current Liabilities

Income and other taxes payable

Crude purchase liabilities

Employee costs

Product financing agreements

Environmental Credits Obligation deficit (see Note 13)

Short-term derivative liabilities (see Note 12)

Interest payable

Environmental liabilities (see Note 14)

Tank inspection liabilities

Accrued utilities

Other

Total

The detail of other non-current liabilities is as follows (in millions):

Other Non-Current Liabilities

Tank inspection liabilities

Liability for unrecognized tax benefits

Pension and other postemployment benefit liabilities, net

Long-term derivative liabilities (see Note 12)

Above-market leases

Other

Total

21. Equity-Based Compensation

Delek US Holdings, Inc. 2006 Long-Term Incentive Plan

December 31, 2019

December 31, 2018

$

119.6

$

126.0

72.1

47.6

21.1

18.5

14.1

8.8

8.2

5.6

4.4

26.8

42.3

46.5

—

11.8

16.2

10.2

3.8

7.0

10.6

33.3

$

346.8

$

307.7

December 31, 2019

December 31, 2018

$

$

9.9

$

12.1

5.3

1.4

—

2.2

30.9

$

9.9

19.2

17.6

1.0

9.2

6.0

62.9

The Delek US Holdings, Inc. 2006 Long-Term Incentive Plan, as amended (the "2006 Plan"), allowed Delek to grant stock options, stock appreciation
rights ("SARs"), restricted stock, restricted common stock units ("RSUs"), performance awards ("PRSUs"), and other stock-based awards of up to 
5,053,392 shares of Delek's common stock to certain directors, officers, employees, consultants and other individuals who performed services for 
Delek or its affiliates. Stock options and SARs granted under the 2006 Plan were generally granted at market price or higher. The vesting of all 
outstanding awards was subject to continued service to Delek or its affiliates except that vesting of awards granted to certain executive employees 
could, under certain circumstances, accelerate upon termination of their employment and the vesting of all outstanding awards could accelerate 
upon the occurrence of an Exchange Transaction (as defined in the 2006 Plan). In the second quarter of 2010, Delek's Board of Directors and its 
Incentive Plan Committee began using stock-settled SARs, rather than stock options, as the primary form of appreciation award under the 2006 
Plan.  The 2006 Plan expired in April 2016.

Delek US Holdings, Inc. 2016 Long-Term Incentive Plan

On May 5, 2016, our stockholders approved our 2016 Long-Term Incentive Plan (the “2016 Plan”) to succeed our 2006 Plan.  The 2016 Plan allows 
Delek to grant stock options, SARs, restricted stock, RSUs, performance awards and other stock-based awards of up to 4,400,000 shares of 
Delek's common stock to certain directors, officers, employees, consultants and other individuals who perform services for Delek or its affiliates.  
On May 18, 2018, the Company's stockholders approved an amendment to the 2016 plan that increased the number of Common Stock available 
under this plan by 4,500,000 shares to 8,900,000 shares. Stock options and SARs issued under the 2016 Plan are granted at prices equal to (or 
greater than) the fair market value of Delek's common stock on the grant date and are generally subject to a vesting period of one year or more.  
No awards will be made under the 2016 Plan after May 5, 2026.

F-59 |

Alon USA Energy, Inc. 2005 Long-Term Incentive Plan

In connection with the Delek/Alon Merger, Delek assumed the Alon USA Energy, Inc. Second Amended and Restated 2005 Incentive Compensation 
Plan (“the Alon 2005 Plan” and, collectively with the 2006 Plan and the 2016 Plan, the "Incentive Plans") as a component of its overall executive 
incentive compensation program. The Alon 2005 Plan permits the granting of awards to Alon's officers and key employees in the form of options 
to purchase common stock, SARs, restricted shares of common stock, RSUs, performance shares, performance units and senior executive plan 
bonuses.  Effective  with  the  Delek/Alon  Merger,  all  contractually  unvested  share-based  awards  were  converted  into  share-based  awards 
denominated in New Delek Common Stock. Committed but unissued share-based awards were exchanged and converted into rights to receive 
share-based awards indexed to New Delek Common Stock. 

Option and SAR Assumptions 

The table below provides the assumptions used in estimating the fair values of our outstanding stock options and SARs under the Incentive Plans. 
For all awards granted, we calculated volatility using historical volatility and implied volatility of a peer group of public companies using weekly 
stock prices.  

Expected volatility

Dividend yield

Expected term

Risk free rate

Fair value per share

2019 Grants

2018 Grants

2017 Grants

(Graded Vesting)

(Graded Vesting)

(Graded Vesting)

4 years

4 years

4 years

48.16%-48.94%

47.52%-49.42%

47.49%-49.18%

2.03%-2.60%

2.00%-2.33%

2.41%-3.72%

4.57- 4.62 years

4.38-4.62 years

4.37-4.82 years

1.57%-2.41%

1.56%-2.92%

0.60%-2.58%

$

11.46

$

15.00

$

8.08

Stock Option and SAR Activity

The following table summarizes the stock option and SAR activity under the Incentive Plans for the years ended December 31, 2019, 2018 and 
2017:

Number of
Options

Weighted-
Average Strike
Price

Weighted-
Average
Contractual
Term (in
years)

Average
Intrinsic Value
(in millions)

Options and SARs outstanding, December 31, 2016

Granted

Exercised

Forfeited

Options and SARs outstanding, December 31, 2017

Granted

Exercised

Forfeited

Options and SARs outstanding, December 31, 2018

Granted

Exercised

Forfeited

Options and SARs outstanding, December 31, 2019

Vested options and SARs exercisable, December 31, 2019

2,568,383

2,460,500

$

$

(303,049) $

(534,827) $

4,191,007

1,497,400

$

$

(1,286,527) $

(827,775) $

3,574,105

593,500

$

$

(466,569) $

(494,826) $

3,206,210

1,094,860

$

$

26.56

25.95

17.04

28.00

26.71

43.49

30.55

29.01

32.67

34.96

29.61

33.47

34.21

32.06

7.9

7.0

$

$

15.1

1.6

F-60 |

Restricted Stock Units

The Incentive Plans provide for the award of RSUs and PRSUs to certain employees and non-employee directors.  RSUs granted to employees 
vest ratably over three to five years from the date of grant, and RSUs granted to non-employee directors vest quarterly over the year following the 
date of grant.  The grant date fair value of RSUs is determined based on the closing price of Delek's common stock on the grant date.  PRSUs 
initially granted to employees will typically vest in two tranches, the first of which vests on December 31 of the year following the grant date and 
the second on the subsequent December 31.  PRSUs subsequently granted to employees will typically vest at the end of a three calendar year 
performance period.  The number of PRSUs that will ultimately vest is based on the Company's total shareholder return over the performance 
period.  The grant date fair value of PRSUs is determined using a Monte-Carlo simulation model. We record compensation expense for these 
awards based on the grant date fair value of the award, recognized ratably over the measurement period. 

Performance-Based Restricted Stock Unit Assumptions

The table below provides the assumptions used in estimating the fair values of our outstanding PRSUs under the Plan. For all awards granted, 
we calculated volatility using historical volatility and implied volatility of a peer group of public companies using weekly stock prices.  

Expected volatility

Expected term

Risk free rate

Fair value per share

2019 Grants

2018 Grants

2017 Grants

39.67%-39.98%

36.11%-44.66%

44.03%-46.54%

2.06-2.81

2.06-2.81

2.06-3.06

1.64%-2.42%

2.40%-2.73%

1.43%-1.93%

$

41.19

$

57.93

$

37.80

The following table summarizes the RSU and PRSU activity under the Incentive Plans for the years ended December 31, 2019, 2018 and 2017:

December 31, 2016

December 31, 2017

December 31, 2018

Balance

Granted

Vested

Forfeited

Performance Not Achieved

Balance

Granted

Vested

Forfeited

Balance

Granted

Vested

Forfeited

Performance Achieved

Balance

December 31, 2019

Number of RSUs

Weighted-Average
Grant Date Price

881,813

614,035

$

$

(351,713) $

(78,676) $

(5,789) $

1,059,670

440,896

$

$

(341,774) $

(154,780) $

1,004,012

701,875

$

$

(604,971) $

(133,243) $

145,169

1,112,842

$

$

19.08

31.56

21.95

13.44

38.03

25.68

53.10

25.62

36.96

36.00

36.30

24.88

39.19

16.55

39.31

Compensation Expense Related to Equity-based Awards Granted Under the Incentive Plans

Compensation expense for Delek equity-based awards amounted to $25.2 million, $20.9 million and $15.9 million for the years ended December 31, 
2019,  2018  and  2017,  respectively. These  amounts  are  included  in  general  and  administrative  expenses  in  the  accompanying  consolidated 
statements of income.  We recognized income tax benefits for equity-based awards of $2.5 million, $2.2 million and $1.4 million for the years ended 
December 31, 2019, 2018 and 2017, respectively.

As of December 31, 2019, there was $45.4 million of total unrecognized compensation cost related to non-vested share-based compensation 
arrangements, which is expected to be recognized over a weighted-average period of 2.1 years.

The aggregate intrinsic value, which represents the difference between the underlying stock's market price and the award's exercise price, of the 
share-based awards exercised or vested during the years ended December 31, 2019, 2018 and 2017 was $27.0 million, $39.4 million and $12.2 
million, respectively. During the years December 31, 2019, 2018 and 2017, respectively, we issued net shares of common stock of 508,950, 580,455

F-61 |

and 332,156 as a result of exercised or vested equity-based awards. These amounts are net of 564,090, 1,027,398 and 306,659 shares, respectively, 
withheld to satisfy employee tax obligations related to the exercises and vestings for the years ended December 31, 2019, 2018 and 2017.  Delek 
paid approximately $9.2 million, $11.5 million and $5 million of taxes in connection with the settlement of these awards both for the years ended 
December 31, 2019, 2018 and 2017. We issue new shares of common stock upon exercise or vesting of share-based awards.

Delek Logistics GP, LLC 2012 Long-Term Incentive Plan

Delek Logistics GP maintains a unit-based compensation plan for officers, directors and employees of Logistics GP or its affiliates and certain 
consultants, affiliates of Logistics GP or other individuals who perform services for Delek Logistics. The Delek Logistics GP, LLC 2012 Long-Term 
Incentive Plan ("Logistics LTIP") permits the grant of unit options, restricted units, phantom units, unit appreciation rights, distribution equivalent 
rights, other unit-based awards, and unit awards. The Logistics LTIP limits the number of units that may be delivered pursuant to vested awards 
to 612,207 common units, subject to proportionate adjustment in the event of unit splits and similar events.  Awards granted under the Logistics 
LTIP will be settled with Delek Logistics units. Compensation expense for awards granted under the Logistics LTIP was $0.6 million, $0.5 million,  
and $1.7 million for the years ended December 31, 2019, 2018 and 2017, respectively. These amounts are included in general and administrative 
expenses  in  the  accompanying  consolidated  statements  of  income.   As  of  December 31,  2019,  there  was  $0.2  million  of  total  unrecognized 
compensation cost related to non-vested Logistics LTIP awards, which is expected to be recognized over a weighted-average period of 0.4 years.  

22.  Employees 

Workforce 

As of December 31, 2019, operations, maintenance and warehouse hourly employees along with truck drivers at the Tyler refinery were represented 
by the United Steel, Paper and Forestry, Rubber, Manufacturing, Energy, Allied Industrial and Service Workers International Union and its Local 
202.  Of the Tyler employees, 52.6% of operations, maintenance and warehouse hourly employees are currently covered by a collective bargaining 
agreement that expires January 31, 2022 while 10.9% of Tyler truck drivers are currently covered by a collective bargaining agreement that expires 
May 1,  2021.   As  of  December 31,  2019,  operations  and  maintenance  hourly  employees  at  the  El  Dorado  refinery  were  represented  by  the 
International Union of Operating Engineers and its Local 381. Of the El Dorado employees, 37.9% are covered by a collective bargaining agreement 
which expires on August 1, 2021.  As of December 31, 2019, our El Dorado and Texas based truck drivers for Lion Oil Company were represented 
by the United Steel, Paper and Forestry, Rubber, Manufacturing, Energy, Allied Industrial and Service Workers International Union, AFL - CIO while 
our El Dorado refinery warehouse hourly employees were represented by the International Union of Operating Engineers and its Local 381; none 
are currently covered by a collective bargaining agreement. As of December 31, 2019, approximately 63.7% of employees who work at our Big 
Spring refinery are covered by a collective bargaining agreement that expires March 31, 2022.  None of our employees in our logistics segment, 
retail segment or in our corporate office are represented by a union.  We consider our relations with our employees to be satisfactory.

Postretirement Benefits

Pension Plans

Effective with the Delek/Alon Merger on July 1, 2017 (see Note 3), we had four defined benefit pension plans covering substantially all of Alon's 
employees, excluding employees of the retail segment. The benefits are based on years of service and the employee’s final average monthly 
compensation. Our funding policy is to contribute annually no less than the minimum required nor more than the maximum amount that can be 
deducted for federal income tax purposes. Contributions are intended to provide not only for benefits attributed to service to date but also for those 
benefits expected to be earned in the future. The plans were frozen for non-union employees effective September 30, 2017.

During 2018, we completely settled the supplemental retirement income plan of the retail segment, had a partial settlement of Alon's executive 
non-qualified restoration plan, froze Alon's qualified pension plan for union employees effective July 31, 2018, and entered into an agreement with 
the International Union of Operating Engineers (the "Union") to extend the Union agreement to March 31, 2022. As part of the extended Union 
agreement, the Company agreed to compensate each pension-eligible employee in the Union for the loss of the pension benefit over the remaining 
union contract period in four annual installments beginning July 2018. Payments are contingent upon continued employment at each annual 
payment date and are expected to total approximately $6.9 million in the aggregate without considering forfeitures (which cannot yet be estimated). 
The related expense (estimated without considering forfeitures) has been or will be recognized over the remaining union contract period. Estimated 
remaining expense is approximately $2.0 million during each of the years 2020 and 2021, and approximately $0.1 million in 2022.

On October 1, 2018, we spun off a portion of the Alon's qualified pension plan into a new plan - The Alon USA Pension Plan for Collectively 
Bargained Employees. This new plan consists of Union employees. The assets were allocated as required under IRC Section 414. The remaining 
accumulated other comprehensive income at that date was split between the two plans based on their respective portions of Projected Benefit 
Obligation. The Alon USA Pension Plan for Collectively Bargained Employees was terminated. The plan's obligation was settled and paid out from 
the plan's asset on December 20, 2019.

F-62 |

Financial information related to our pension plans is presented below:

Change in projected benefit obligation:

Benefit obligation at beginning of year

Service cost

Interest cost

Actuarial loss (gain)

Benefits paid

Other (effect of curtailment/settlement)

Projected benefit obligations at end of year

Change in plan assets:

Fair value of plan assets at beginning of year

Actual gain (loss) on plan assets

Employer contribution

Benefits paid

Other (effect of curtailment/settlement)

Fair value of plan assets at end of year

Reconciliation of funded status:

Fair value of plan assets at end of year

Less projected benefit obligations at end of year

Under-funded status at end of year

Year Ended December 31,

2019

2018

$

131.0

$

146.9

—

5.4

13.6

(5.3)

(13.2)

131.5

115.7

29.5

1.4

(5.3)

(13.2)

128.1

128.1

131.5

$

$

$

$

(3.4) $

0.4

5.2

(9.9)

(9.1)

(2.5)

131.0

108.8

(8.2)

24.2

(9.1)

—

115.7

115.7

131.0

(15.3)

$

$

$

$

$

The pre-tax amounts related to the defined benefit plans recognized as pension benefit liability in the consolidated balance sheets as of December 31, 
2019 was $3.4 million.

The pre-tax amounts in accumulated other comprehensive loss that have not yet been recognized as components of net periodic benefit cost were 
as follows:

Net actuarial loss

Prior service credit

Projected benefit obligations at end of year

December 31,

2019

2018

$

$

(0.1) $

—

(0.1) $

5.5

—

5.5

The accumulated benefit obligation for each of our pension plans was in excess of the fair value of plan assets. The projected benefit obligation, 
accumulated benefit obligation and fair value of plan assets for the pension plans were as follows:

December 31,

2019

2018

$

$

$

131.5

131.6

128.1

$

$

$

131.0

131.0

115.7

Projected benefit obligation

Accumulated benefit obligation

Fair value of plan assets

F-63 |

The weighted-average assumptions used to determine benefit obligations were as follows:

Discount rate

Rate of compensation increase

December 31,

2019

2018

3.20%

N/A

4.15%

N/A

The discount rate used reflects the expected future cash flow based on our funding valuation assumptions and participant data as of the beginning 
of the plan period. The expected future cash flow is discounted by the Principal Pension Discount Yield Curve for the fiscal year end because it 
has been specifically designed to help pension funds comply with statutory funding guidelines.

The weighted-average assumptions used to determine net periodic benefit costs were as follows:

Discount rate

Expected long-term rate of return on plan assets

Rate of compensation increase

Year Ended December 31,

2019

2018

2017

4.15%

7.00%

—%

3.60%

7.33%

3.00%

3.80%

7.45%

3.00%

The expected long-term rate of return is based on the portfolio as a whole and not on the sum of the returns on individual asset categories. 

The components of net periodic benefit cost related to our benefit plans consisted of the following:

Components of net periodic benefit:

Service cost

Interest cost

Expected return on plan assets

Recognition of gain due to settlement

Recognition of gain due to curtailment

Net periodic benefit

Year Ended December 31,

2019

2018

2017

$

$

— $

5.4

(7.5)

—

(2.7)

$

0.4

5.2

(8.0)

(0.1)

(2.4)

(4.8) $

(4.9) $

1.2

2.7

(2.7)

—

(6.1)

(4.9)

The service cost component of net periodic benefit is included as part of general and administrative expenses in the accompanying statements of 
income. The other components of net periodic benefit are included as part of other non-operating expense (income), net.

The weighted-average asset allocation of our pension benefits plan assets were as follows:

Year Ended December 31,

2019

2018

40.0%

60.0%

—%

100.0%

66.4%

26.8%

6.8%

100.0%

Asset Category:

Equity securities

Debt securities

Real estate investment trust

   Total

F-64 |

The fair value of our pension assets by category were as follows:

Year Ended December 31, 2019

Equity securities:

U.S. companies

International companies

Debt securities:

Preferred securities

Bond securities

Real estate securities

Total

Year Ended December 31, 2018

Equity securities:

U.S. companies

International companies

Debt securities:

Preferred securities

Bond securities

Real estate securities

Total

Quoted Prices in
Active Markets
For Identical
Assets or
Liabilities
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

Consolidated
Total

$

$

$

$

— $

—

—

—

—

38.5

12.8

—

76.8

—

$

— $

—

—

—

—

— $

128.1

$

— $

— $

—

—

—

—

62.8

14.0

4.4

26.6

7.9

$

— $

—

—

—

—

— $

115.7

$

— $

38.5

12.8

—

76.8

—

128.1

62.8

14.0

4.4

26.6

7.9

115.7

The investment policies and strategies for the assets of our pension benefits is to, over a five-year period, provide returns in excess of the benchmark. 
The portfolio is expected to earn long-term returns from capital appreciation and a stable stream of current income. This approach recognizes that 
assets are exposed to price risk and the market value of the plans’ assets may fluctuate from year to year. Risk tolerance is determined based on 
our specific risk management policies. In line with the investment return objective and risk parameters, the plans’ mix of assets includes a diversified 
portfolio of equity, fixed-income and real estate investments. Equity investments include domestic and international stocks of various sizes of 
capitalization. The asset allocation of the plan is reviewed on at least an annual basis.

We contributed $1.4 million to the pension plans for the year ended December 31, 2019, and expect to contribute $5.8 million to the pension plans 
in 2020. There were no employee contributions to the plans.

The benefits expected to be paid in each year 2020–2024 are $5.8 million, $6.1 million, $6.6 million, $6.5 million, and $6.8 million, respectively. 
The aggregate benefits expected to be paid in the five years from 2025–2029 are $34.8 million. The expected benefits are based on the same 
assumptions used to measure our benefit obligation at December 31, 2019 and include estimated future employee service.

401(k) Plans

For the years ended December 31, 2019, 2018 and 2017, we sponsored a voluntary 401(k) Employee Retirement Savings Plans for eligible 
employees. Employees must be at least 21 years of age and have 45 days of service to be eligible to participate in the plan. Employee contributions 
are matched on a fully-vested basis by us up to a maximum of 8% of eligible compensation. Eligibility for the Company matching contribution 
begins on the first of the month following one year of employment. For the years ended December 31, 2019, 2018 and 2017, the 401(k) plans 
expense recognized was $9.6 million, $9.6 million, and $6.5 million, respectively. 

Postretirement Medical Plan 

In addition to providing pension benefits, Alon has an unfunded postretirement medical plan covering certain health care and life insurance benefits 
for certain employees of Alon that retired prior to January 2, 2017, who met eligibility requirements in the plan documents. This plan is closed to 
new participants.  The health care benefits in excess of certain limits are insured. The accrued benefit liability related to this plan reflected in the 
consolidated balance sheet was $2.6 million and $3.3 million at December 31, 2019 and 2018, respectively. 

F-65 |

23.  Selected Quarterly Financial Data (Unaudited)

Quarterly financial information for the years ended December 31, 2019 and 2018 is summarized below. The sum of the quarterly results may differ 
from the annual results presented on our consolidated income statement due to rounding. The quarterly financial information summarized below 
has been prepared by Delek's management and is unaudited (in millions, except per share data).

Net revenues

Operating income

Net income from continuing operations

Net income

Net income attributable to Delek

Basic income per share from continuing operations

Diluted income per share from continuing operations

Net revenues

Operating income

Net (loss) income from continuing operations

Net (loss) income

Net (loss) income attributable to Delek

Basic (loss) income per share from continuing operations

Diluted (loss) income per share from continuing operations

For the Three Month Periods Ended

March 31, 2019

June 30, 2019

September 30, 2019

December 31, 2019(1)

$

$

$

$

$

$

$

$

$

$

$

$

$

$

2,199.9

222.4

154.4

154.4

149.3

1.92

1.90

March 31, 2018(2)

2,353.2

38.8

$

$

$

$

$

$

$

$

$

(17.3) $

(25.5) $

(40.4) $

(0.29) $

(0.29) $

2,480.3

134.3

84.6

83.8

77.3

1.02

1.01

$

$

$

$

$

$

$

2,334.3

87.4

60.0

60.0

51.3

0.68

0.68

$

$

$

$

$

$

$

2,283.7

48.2

32.0

38.0

32.7

0.36

0.36

For the Three Month Periods Ended

June 30, 2018

September 30, 2018

December 31, 2018(3)

2,636.9

135.1

87.5

86.7

79.1

0.95

0.90

$

$

$

$

$

$

$

2,768.9

255.2

185.8

186.3

179.8

2.15

2.02

$

$

$

$

$

$

$

2,474.1

182.8

127.6

127.4

121.6

1.50

1.48

The tables above include the following infrequently occurring items:

(1)  Net income from continuing operations for the quarter ended December 31, 2019 includes the benefit of retroactive biodiesel tax credits related 
to 2019 and 2018 blending activities totaling $77.6 million. Of this amount, $31.1 million related to the first three quarters of 2019 blending 
activities and $36.0 million related to 2018 blending activities.

(2)  Net loss from continuing operations for the quarter ended March 31, 2018 includes the benefit of retroactive biodiesel tax credits related to 

2017 blending activities totaling $24.9 million.

(3)  Net income from continuing operations for the quarter ended December 31, 2018 includes an environmental indemnification settlement totaling 
$20.0 million, where $16.0 million is attributable to additional recoveries of remediation costs incurred by the Company and is included as a 
reduction of operating expenses, and $4.0 million is considered additional consideration for concessions made under the Settlement  Agreement 
and is included as other income in the accompanying consolidated statements of income for the year ended December 31, 2018.

F-66 |

The quarterly earnings per share calculations for the three months ended December 31, 2019 and 2018 are presented below: 

Numerator:

Numerator for EPS - continuing operations

Income from continuing operations

Less: Income from continuing operations attributed to non-controlling interest

Income from continuing operations attributable to Delek (numerator for basic EPS - continuing operations
attributable to Delek)

Interest on convertible debt, net of tax

Numerator for diluted EPS - continuing operations attributable to Delek

Numerator for EPS - discontinued operations

Income (loss) from discontinued operations

Denominator:

Weighted average common shares outstanding (denominator for basic EPS)

Dilutive effect of warrants

Dilutive effect of stock-based awards

Weighted average common shares outstanding, assuming dilution

EPS:

Basic income per share:

Income from continuing operations

Income from discontinued operations

Total basic income (loss) per share

Diluted income per share:

Income from continuing operations

Income from discontinued operations

Total diluted income (loss) per share

Three Months Ended December 31,

2019

2018

$

$

$

$

$

$

$

32.0

$

5.3

26.7

—

26.7

$

127.6

5.8

121.8

—

121.8

6.0

$

(0.2)

74,042,343

81,321,240

—

658,583

74,700,926

260,838

946,261

82,528,339

0.36

0.08

0.44

0.36

0.08

0.44

$

$

$

$

1.50

—

1.50

1.48

—

1.48

The following equity instruments were excluded from the diluted weighted average common shares outstanding
because their effect would be anti-dilutive:

Total antidilutive stock-based compensation

1,925,207

1,749,569

24. Leases

We lease certain retail stores, land, building and various equipment from others. Leases with an initial term of 12 months or less are not recorded 
on the balance sheet; we recognize lease expense for these leases on a straight-line basis over the lease term. Most leases include one or more 
options to renew, with renewal terms that can extend the lease term from one to 15 years or more. The exercise of existing lease renewal options 
is  at  our  sole  discretion.  Certain  leases  also  include  options  to  purchase  the  leased  property. The  depreciable  life  of  assets  and  leasehold 
improvements are limited by the expected lease term, unless there is a transfer of title or purchase option reasonably certain of exercise.

Some of our lease agreements include a rate based on equipment usage and others include a rate with fixed increases or inflationary indices 
based increase. Our lease agreements do not contain any material residual value guarantees or material restrictive covenants. We rent or sublease 
certain real estate and equipment to third parties. Our sublease portfolio consists primarily of operating leases within our retail stores and crude 
storage equipment. 

As of December 31, 2019, $28.5 million of our net property, plant, and equipment balance is subject to an operating lease. This agreement does 
not include options for the lessee to purchase our leasing equipment, nor does it include any material residual value guarantees or material restrictive 
covenants. The agreement includes a one year renewal option and certain variable payment based on usage.

F-67 |

The following table presents additional information related to our operating leases in accordance ASC 842, Leases ("ASC 842"):

(in millions)

Lease Cost
Operating lease costs
Short-term lease costs (1)
Sublease income
Net lease costs

Other Information
Cash paid for amounts included in the measurement of lease liabilities:

Operating cash flows from operating leases

Leased assets obtained in exchange for new operating lease liabilities

Weighted-average remaining lease term (years) operating leases
Weighted-average discount rate operating leases (2) 

(1) Includes an immaterial amount of variable lease cost.
(2) Our discount rate is primarily based on our incremental borrowing rate in accordance with ASC 842.

Year Ended December 31,

2019

$

$

$

$

49.5
17.4
(6.4)
60.5

(49.5)

15.9

6.7
6.0%

The following is an estimate of the maturity of our lease liabilities for operating leases having remaining noncancelable terms in excess of one year 
as of December 31, 2019 (in millions) under the new lease guidance ASC 842:

Maturity of Lease Liabilities
2020
2021
2022
2023
2024
Thereafter
Total future lease payments

Less: Interest

Present Value of Lease Liabilities

Total

50.2
43.3
29.3
25.7
16.8
61.9
227.2
42.4
184.8

$

$

F-68 |

25. Subsequent Events

Dividend Declaration

On February 24, 2020, Delek's Board of Directors voted to declare a quarterly cash dividend of $0.31 per share, payable on March 24, 2020, to 
stockholders of record on March 10, 2020. 

Investment in Project Financing Joint Venture

On February 21, 2020, we, through our wholly-owned direct subsidiary Delek Energy, entered into the W2W Holdings LLC Agreement with MPLX 
to form the WWP Project Financing JV (inclusive of its wholly-owned subsidiaries).  The WWP Project Financing JV was created for the specific 
purpose of obtaining financing, through its wholly-owned subsidiary, W2W Finance LLC, to fund our combined capital calls resulting from and 
occurring during the construction period of the pipeline system under the WWP Joint Venture, and to service that debt. See Note 7 for further 
discussion. 

2020 Amendments to Supply and Offtake Agreements

In January 2020, we amended our three Supply and Offtake Agreements to convert the Baseline Step-Out Liabilities back to a market-indexed 
price subject to commodity price risk with corresponding changes to underlying market-based indices and certain differentials. See Note 10 for 
further discussion. 

F-69 |

ITEM 16. FORM 10-K SUMMARY

None.

Financial Statements and Schedules

103 |

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed 
on its behalf by the undersigned, thereunto duly authorized.

SIGNATURES

Delek US Holdings, Inc.

By: /s/ Assaf Ginzburg 
Assaf Ginzburg
Executive Vice President and Chief Financial Officer

Dated: February 27, 2020 

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by or on behalf of the following persons 
on behalf of the registrant and in the capacities indicated on February 27, 2020:

/s/ Ezra Uzi Yemin   
Ezra Uzi Yemin
Director (Chairman), President and Chief Executive Officer
(Principal Executive Officer)

/s/ Assaf Ginzburg 
Assaf Ginzburg
Executive Vice President and Chief Financial Officer
(Principal Financial and Accounting Officer)

/s/ William J. Finnerty 
William J. Finnerty
Director

/s/ Richard J. Marcogliese 
Richard J. Marcogliese
Director

/s/ Gary M. Sullivan, Jr. 
Gary M. Sullivan, Jr.
Director

/s/ Vicky Sutil 
Vicky Sutil
Director

/s/ David Wiessman 
David Wiessman
Director

/s/ Shlomo Zohar 
Shlomo Zohar
Director

104 |

 
 
 
 
 
 
 
 
Corporate and 
Shareholder Information

BOARD OF DIRECTORS

SENIOR MANAGEMENT

Ezra Uzi Yemin

William J. Finnerty

Shlomo Zohar

Gary M. Sullivan, Jr.

David Wiessman

Vicky Sutil

Richard Marcogliese

EZRA UZI YEMIN  
Chairman, President 
and Chief Executive Officer

ASSI GINZBURG 
Executive Vice President 
and Chief Financial Officer

FREDEREC GREEN  
Executive Vice President  
and Chief Operating Officer

AVIGAL SOREQ 
Executive Vice President  
and Chief Commercial Officer

JARED SERFF 
Executive Vice President 
and Chief Human Resource Officer

DARYL SCHOFIELD 
Executive Vice President - 
Business Development

MARK PAGE 
Executive Vice President - 
Strategic Projects, Renewables,  
and Specialty Products

TONY MILLER 
Executive Vice President - Retail

REGINA BYNOTE JONES 
Executive Vice President, General 
Counsel, and Corporate Secretary

LOUIS LABELLA 
Executive Vice President and  
President of Refining

OTHER INFORMATION

HEADQUARTERS 
Delek US Holdings, Inc. 
7102 Commerce Way 
Brentwood, TN 37027

STOCK EXCHANGE LISTING 
New York Stock Exchange 
Ticker Symbol: DK

AUDITORS 
Ernst & Young, LLP 
Nashville, TN

TRANSFER AGENT 
American Stock Transfer &  
Trust Company 
6201 15th Ave. 
Brooklyn, NY 11219

ANNUAL MEETING 
May 5, 2020 – 1:00 p.m. CT 
This year, the Annual Meeting will be completely virtual. You may attend the 
meeting, submit questions, and vote your shares by following the instructions in 
the proxy materials that were either made available to you over the Internet or 
mailed to you.  

FORM 10-K 
The Company’s annual report on Form  
10-K, which is filed with the Securities and 
Exchange Commission, is available upon 
request and may be obtained by contacting the 
Company’s investor relations department. 

INVESTOR RELATIONS CONTACT 
Blake Fernandez 
SVP - Investor Relations & Market Intelligence 
Direct: 615.224.1312 
Email: blake.fernandez@delekus.com

FORWARD-LOOKING STATEMENTS

Delek US Holdings, Inc. (“Delek US”) and Delek Logistics Partners, LP (“Delek Logistics”; and collectively with Delek US, def “we” or “our”) are traded on the New York Stock Exchange in the United States under the symbols “DK” and ”DKL”, 

respectively, and, as such, are governed by the rules and regulations of the United States Securities and Exchange Commission. This letter contains forward-looking statements that are based upon current expectations and involve a number of risks 

and uncertainties. Statements concerning current estimates, expectations and projections about future results, performance, prospects, opportunities, plans, actions and events and other statements, concerns, or matters that are not historical facts 

are “forward-looking statements,” as that term is defined under the federal securities laws.  These statements contain words such as “possible,” “believe,” “should,” “could,” “would,” “predict,” “plan,” “estimate,” “intend,” “may,” “anticipate,” “will,” “if,”  

“expect” or similar expressions, as well as statements in the future tense. These forward-looking statements include, but are not limited to, statements regarding throughput and performance at our refineries; crude oil prices and discounts and our 

ability to benefit therefrom; share repurchases; returning cash to shareholders; payments of dividends; growth; investments into our business; execution of our midstream growth initiatives and expected results; plans and timing around future drop-

downs and the value created by any such drop-downs; RINs waivers and tax credits and the value and benefit therefrom; statements regarding strategic priorities; cash and liquidity; opportunities and anticipated performance and financial position.

Investors are cautioned that the following important factors, among others, may affect these forward-looking statements: uncertainty related to timing and amount of future share repurchases and dividend payments; risks and uncertainties with 

respect to the quantities and costs of crude oil we are able to obtain and the price of the refined petroleum products we ultimately sell; risks related to Delek US’ exposure to Permian Basin crude oil, such as supply, pricing, gathering, production and 

transportation capacity; gains and losses from derivative instruments; management’s ability to execute its strategy of growth, including risks associated with acquisitions and dispositions; acquired assets may suffer a diminishment in fair value as a 

result of which we may need to record a write-down or impairment in carrying value of the asset; the possibility of litigation challenging renewable fuel standard waivers; changes in the scope, costs, and/or timing of capital and maintenance projects; 

the ability of the Wink to Webster joint venture to construct the long-haul pipeline; the ability of the Red River joint venture to expand the Red River pipeline; the ability to grow the Big Spring Gathering System; our ability to reimage our retail stores; 

operating hazards inherent in transporting, storing and processing crude oil and intermediate and finished petroleum products; our competitive position and the effects of competition; the projected growth of the industries in which we operate; 

general economic and business conditions affecting geographic areas in which we operate; and other risks described in Delek US’ and Delek Logistics’ filings with the United States Securities and Exchange Commission (the “SEC”), including risks 

disclosed in our Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and other filings and reports with the SEC.

Forward-looking statements should not be read as a guarantee of future performance or results and will not be accurate indications of the times at, or by, which such performance or results will be achieved.  Forward-looking information is based 

on information available at the time and/or management’s good faith belief with respect to future events, and is subject to risks and uncertainties that could cause actual performance or results to differ materially from those expressed in the 

statements.  Neither Delek US nor Delek Logistics undertakes any obligation to update or revise any such forward-looking statements to reflect events or circumstances that occur, or which Delek US or Delek Logistics becomes aware of, after the 

date hereof, except as required by applicable law or regulation.

DELEK US HOLDINGS         |        7102 Commerce Way  Brentwood, TN 37027          |        www.delekus.com