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Side-by-side financial comparison of American Express (AXP) and PBF Energy Inc. (PBF). Click either name above to swap in a different company.
American Express is the larger business by last-quarter revenue ($10.9B vs $7.1B, roughly 1.5× PBF Energy Inc.). American Express runs the higher net margin — 22.5% vs 1.1%, a 21.4% gap on every dollar of revenue. On growth, American Express posted the faster year-over-year revenue change (9.9% vs -2.9%). American Express produced more free cash flow last quarter ($2.3B vs $77.0M). Over the past eight quarters, American Express's revenue compounded faster (8.2% CAGR vs -9.1%).
American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; accounts payable expense management products and services; and travel and lifestyle services. The company's products an...
PBF Energy Inc. is a petroleum refining and logistics company that produces and sells transportation fuels, heating oils, lubricants, petrochemical feedstocks, and other petroleum products. The company owns and operated 6 refineries throughout the United States, located in Chalmette, Louisiana; Toledo, Ohio; Paulsboro, New Jersey; the Delaware City Refinery in Delaware City; Torrance, California; Martinez, California. PBF produces a range of products including gasoline, ultra-low-sulfur diese...
AXP vs PBF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $10.9B | $7.1B |
| Net Profit | $2.5B | $78.4M |
| Gross Margin | — | -1.8% |
| Operating Margin | 28.2% | 1.8% |
| Net Margin | 22.5% | 1.1% |
| Revenue YoY | 9.9% | -2.9% |
| Net Profit YoY | 13.5% | 127.1% |
| EPS (diluted) | $3.52 | $0.74 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $10.9B | $7.1B | ||
| Q3 25 | $10.4B | $7.7B | ||
| Q2 25 | $10.3B | $7.5B | ||
| Q1 25 | $9.6B | $7.1B | ||
| Q4 24 | $10.0B | $7.4B | ||
| Q3 24 | $9.7B | $8.4B | ||
| Q2 24 | $9.8B | $8.7B | ||
| Q1 24 | $9.3B | $8.6B |
| Q4 25 | $2.5B | $78.4M | ||
| Q3 25 | $2.9B | $170.1M | ||
| Q2 25 | $2.9B | $-5.2M | ||
| Q1 25 | $2.6B | $-401.8M | ||
| Q4 24 | $2.2B | $-289.3M | ||
| Q3 24 | $2.5B | $-285.9M | ||
| Q2 24 | $3.0B | $-65.2M | ||
| Q1 24 | $2.4B | $106.6M |
| Q4 25 | — | -1.8% | ||
| Q3 25 | — | 0.5% | ||
| Q2 25 | — | -0.8% | ||
| Q1 25 | — | -5.9% | ||
| Q4 24 | — | -4.2% | ||
| Q3 24 | — | -3.4% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 2.5% |
| Q4 25 | 28.2% | 1.8% | ||
| Q3 25 | 36.7% | 3.7% | ||
| Q2 25 | 34.4% | 0.6% | ||
| Q1 25 | 34.6% | -7.2% | ||
| Q4 24 | 27.7% | -5.2% | ||
| Q3 24 | 33.0% | -4.6% | ||
| Q2 24 | 38.6% | -0.9% | ||
| Q1 24 | 33.7% | 1.7% |
| Q4 25 | 22.5% | 1.1% | ||
| Q3 25 | 27.9% | 2.2% | ||
| Q2 25 | 28.0% | -0.1% | ||
| Q1 25 | 26.8% | -5.7% | ||
| Q4 24 | 21.8% | -3.9% | ||
| Q3 24 | 25.8% | -3.4% | ||
| Q2 24 | 30.7% | -0.7% | ||
| Q1 24 | 26.1% | 1.2% |
| Q4 25 | $3.52 | $0.74 | ||
| Q3 25 | $4.14 | $1.45 | ||
| Q2 25 | $4.08 | $-0.05 | ||
| Q1 25 | $3.64 | $-3.53 | ||
| Q4 24 | $3.04 | $-2.41 | ||
| Q3 24 | $3.49 | $-2.49 | ||
| Q2 24 | $4.15 | $-0.56 | ||
| Q1 24 | $3.33 | $0.86 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $742.0M | $527.9M |
| Total DebtLower is stronger | $56.4B | — |
| Stockholders' EquityBook value | $33.5B | $5.3B |
| Total Assets | $300.1B | $13.0B |
| Debt / EquityLower = less leverage | 1.68× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $742.0M | $527.9M | ||
| Q3 25 | $1.3B | $482.0M | ||
| Q2 25 | $197.0M | $590.7M | ||
| Q1 25 | $261.0M | $468.6M | ||
| Q4 24 | $221.0M | $536.1M | ||
| Q3 24 | $120.0M | $976.7M | ||
| Q2 24 | $188.0M | $1.4B | ||
| Q1 24 | $69.0M | $1.4B |
| Q4 25 | $56.4B | — | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | — | ||
| Q4 24 | $49.7B | — | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — | ||
| Q1 24 | $48.8B | — |
| Q4 25 | $33.5B | $5.3B | ||
| Q3 25 | $32.4B | $5.2B | ||
| Q2 25 | $32.3B | $5.1B | ||
| Q1 25 | $31.2B | $5.1B | ||
| Q4 24 | $30.3B | $5.5B | ||
| Q3 24 | $29.7B | $5.9B | ||
| Q2 24 | $29.5B | $6.3B | ||
| Q1 24 | $28.8B | $6.5B |
| Q4 25 | $300.1B | $13.0B | ||
| Q3 25 | $297.6B | $13.0B | ||
| Q2 25 | $295.6B | $13.0B | ||
| Q1 25 | $282.2B | $13.0B | ||
| Q4 24 | $271.5B | $12.7B | ||
| Q3 24 | $271.0B | $13.1B | ||
| Q2 24 | $272.2B | $14.1B | ||
| Q1 24 | $269.3B | $13.8B |
| Q4 25 | 1.68× | — | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 1.64× | — | ||
| Q3 24 | 1.80× | — | ||
| Q2 24 | 1.74× | — | ||
| Q1 24 | 1.70× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $3.1B | $366.6M |
| Free Cash FlowOCF − Capex | $2.3B | $77.0M |
| FCF MarginFCF / Revenue | 21.4% | 1.1% |
| Capex IntensityCapex / Revenue | 6.6% | 4.1% |
| Cash ConversionOCF / Net Profit | 1.25× | 4.68× |
| TTM Free Cash FlowTrailing 4 quarters | $16.0B | $-783.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.1B | $366.6M | ||
| Q3 25 | $6.2B | $25.7M | ||
| Q2 25 | $4.4B | $191.1M | ||
| Q1 25 | $4.8B | $-661.4M | ||
| Q4 24 | $5.8B | $-329.7M | ||
| Q3 24 | $-1.8B | $-68.0M | ||
| Q2 24 | $4.5B | $425.3M | ||
| Q1 24 | $5.6B | $15.8M |
| Q4 25 | $2.3B | $77.0M | ||
| Q3 25 | $5.6B | $-122.8M | ||
| Q2 25 | $3.7B | $35.0M | ||
| Q1 25 | $4.3B | $-772.4M | ||
| Q4 24 | $5.3B | $-425.7M | ||
| Q3 24 | $-2.3B | $-169.8M | ||
| Q2 24 | $4.0B | $371.8M | ||
| Q1 24 | $5.2B | $-123.8M |
| Q4 25 | 21.4% | 1.1% | ||
| Q3 25 | 53.6% | -1.6% | ||
| Q2 25 | 36.3% | 0.5% | ||
| Q1 25 | 45.0% | -10.9% | ||
| Q4 24 | 53.1% | -5.8% | ||
| Q3 24 | -23.3% | -2.0% | ||
| Q2 24 | 40.4% | 4.3% | ||
| Q1 24 | 55.2% | -1.4% |
| Q4 25 | 6.6% | 4.1% | ||
| Q3 25 | 6.3% | 1.9% | ||
| Q2 25 | 6.0% | 2.1% | ||
| Q1 25 | 4.5% | 1.6% | ||
| Q4 24 | 5.0% | 1.3% | ||
| Q3 24 | 4.7% | 1.2% | ||
| Q2 24 | 5.8% | 0.6% | ||
| Q1 24 | 4.2% | 1.6% |
| Q4 25 | 1.25× | 4.68× | ||
| Q3 25 | 2.15× | 0.15× | ||
| Q2 25 | 1.51× | — | ||
| Q1 25 | 1.84× | — | ||
| Q4 24 | 2.66× | — | ||
| Q3 24 | -0.72× | — | ||
| Q2 24 | 1.50× | — | ||
| Q1 24 | 2.28× | 0.15× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AXP
| US Consumer Services Segment | $4.2B | 38% |
| Commercial Services Segment | $3.1B | 28% |
| International Card Services Segment | $2.1B | 19% |
| Global Merchant And Network Services Segment | $1.7B | 15% |
| Financial Service Other | $471.0M | 4% |
PBF
| Gasoline And Distillate | $6.4B | 89% |
| Asphaltand Residual Oil | $283.6M | 4% |
| Other | $149.4M | 2% |
| Chemicals | $145.1M | 2% |
| Logistics Group | $93.5M | 1% |
| Lubricants | $81.9M | 1% |
