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Side-by-side financial comparison of IMPERIAL OIL LTD (IMO) and Mastercard (MA). Click either name above to swap in a different company.
Mastercard is the larger business by last-quarter revenue ($8.8B vs $8.2B, roughly 1.1× IMPERIAL OIL LTD). Mastercard runs the higher net margin — 46.1% vs 4.4%, a 41.7% gap on every dollar of revenue. On growth, Mastercard posted the faster year-over-year revenue change (17.6% vs -10.5%). Mastercard produced more free cash flow last quarter ($4.9B vs $938.8M). Over the past eight quarters, Mastercard's revenue compounded faster (17.8% CAGR vs -4.2%).
Imperial Oil Limited is a Canadian petroleum company. It is Canada's second-largest integrated oil company that is also occasionally known as Imperial Esso. It is majority-owned by American oil company ExxonMobil, with a 69.6% ownership stake in the company. It is a producer of crude oil, diluted bitumen, and natural gas. Imperial Oil is one of Canada's major petroleum refiners and petrochemical producers. It supplies Esso-brand service stations.
Mastercard Inc. is an American multinational payment card services corporation headquartered in Purchase, New York. It offers a range of payment transaction processing and other related-payment services. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard-brand debit, credit and prepaid cards to make purchases. Mastercard has been publicly traded since 2006.
IMO vs MA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $8.2B | $8.8B |
| Net Profit | $359.2M | $4.1B |
| Gross Margin | — | — |
| Operating Margin | 5.6% | 55.8% |
| Net Margin | 4.4% | 46.1% |
| Revenue YoY | -10.5% | 17.6% |
| Net Profit YoY | -59.8% | 21.5% |
| EPS (diluted) | — | $4.52 |
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 | $8.2B | $8.8B | ||
| Q3 25 | $8.8B | $8.6B | ||
| Q2 25 | $8.2B | $8.1B | ||
| Q1 25 | $9.1B | $7.3B | ||
| Q4 24 | $9.2B | $7.5B | ||
| Q3 24 | $9.7B | $7.4B | ||
| Q2 24 | $9.8B | $7.0B | ||
| Q1 24 | $9.0B | $6.3B |
| Q4 25 | $359.2M | $4.1B | ||
| Q3 25 | $393.5M | $3.9B | ||
| Q2 25 | $692.8M | $3.7B | ||
| Q1 25 | $940.2M | $3.3B | ||
| Q4 24 | $894.3M | $3.3B | ||
| Q3 24 | $903.0M | $3.3B | ||
| Q2 24 | $827.1M | $3.3B | ||
| Q1 24 | $872.4M | $3.0B |
| Q4 25 | 5.6% | 55.8% | ||
| Q3 25 | 5.8% | 58.8% | ||
| Q2 25 | 11.1% | 58.7% | ||
| Q1 25 | 13.5% | 57.2% | ||
| Q4 24 | 12.5% | 52.6% | ||
| Q3 24 | 12.1% | 54.3% | ||
| Q2 24 | 11.1% | 58.0% | ||
| Q1 24 | 12.8% | 56.8% |
| Q4 25 | 4.4% | 46.1% | ||
| Q3 25 | 4.5% | 45.7% | ||
| Q2 25 | 8.4% | 45.5% | ||
| Q1 25 | 10.3% | 45.2% | ||
| Q4 24 | 9.7% | 44.6% | ||
| Q3 24 | 9.3% | 44.3% | ||
| Q2 24 | 8.5% | 46.8% | ||
| Q1 24 | 9.7% | 47.4% |
| Q4 25 | — | $4.52 | ||
| Q3 25 | — | $4.34 | ||
| Q2 25 | — | $4.07 | ||
| Q1 25 | — | $3.59 | ||
| Q4 24 | — | $3.64 | ||
| Q3 24 | — | $3.53 | ||
| Q2 24 | — | $3.50 | ||
| Q1 24 | — | $3.22 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $833.7M | $10.6B |
| Total DebtLower is stronger | $2.9B | — |
| Stockholders' EquityBook value | $16.2B | $7.7B |
| Total Assets | $30.9B | $54.2B |
| Debt / EquityLower = less leverage | 0.18× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $833.7M | $10.6B | ||
| Q3 25 | $1.4B | $10.3B | ||
| Q2 25 | $1.7B | $9.0B | ||
| Q1 25 | $1.3B | $7.6B | ||
| Q4 24 | $714.7M | $8.4B | ||
| Q3 24 | $1.1B | $11.1B | ||
| Q2 24 | $1.5B | $7.0B | ||
| Q1 24 | $858.5M | $7.3B |
| Q4 25 | $2.9B | — | ||
| Q3 25 | $2.9B | — | ||
| Q2 25 | $2.9B | — | ||
| Q1 25 | $2.9B | — | ||
| Q4 24 | $2.9B | — | ||
| Q3 24 | $2.9B | — | ||
| Q2 24 | $2.9B | — | ||
| Q1 24 | $2.9B | — |
| Q4 25 | $16.2B | $7.7B | ||
| Q3 25 | $17.3B | $7.9B | ||
| Q2 25 | $18.2B | $7.9B | ||
| Q1 25 | $17.8B | $6.7B | ||
| Q4 24 | $17.1B | $6.5B | ||
| Q3 24 | $17.3B | $7.4B | ||
| Q2 24 | $17.5B | $7.4B | ||
| Q1 24 | $16.9B | $7.2B |
| Q4 25 | $30.9B | $54.2B | ||
| Q3 25 | $31.4B | $53.3B | ||
| Q2 25 | $32.2B | $51.4B | ||
| Q1 25 | $32.0B | $48.5B | ||
| Q4 24 | $31.3B | $48.1B | ||
| Q3 24 | $31.0B | $47.2B | ||
| Q2 24 | $32.2B | $42.3B | ||
| Q1 24 | $31.0B | $42.6B |
| Q4 25 | 0.18× | — | ||
| Q3 25 | 0.17× | — | ||
| Q2 25 | 0.16× | — | ||
| Q1 25 | 0.16× | — | ||
| Q4 24 | 0.17× | — | ||
| Q3 24 | 0.17× | — | ||
| Q2 24 | 0.17× | — | ||
| Q1 24 | 0.17× | — |
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 | $1.4B | $5.0B |
| Free Cash FlowOCF − Capex | $938.8M | $4.9B |
| FCF MarginFCF / Revenue | 11.4% | 55.5% |
| Capex IntensityCapex / Revenue | 5.6% | 1.3% |
| Cash ConversionOCF / Net Profit | 3.90× | 1.23× |
| TTM Free Cash FlowTrailing 4 quarters | $3.4B | $17.2B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.4B | $5.0B | ||
| Q3 25 | $1.3B | $5.7B | ||
| Q2 25 | $1.1B | $4.6B | ||
| Q1 25 | $1.1B | $2.4B | ||
| Q4 24 | $1.3B | $4.8B | ||
| Q3 24 | $1.1B | $5.1B | ||
| Q2 24 | $1.2B | $3.1B | ||
| Q1 24 | $785.5M | $1.7B |
| Q4 25 | $938.8M | $4.9B | ||
| Q3 25 | $944.6M | $5.5B | ||
| Q2 25 | $725.6M | $4.6B | ||
| Q1 25 | $824.2M | $2.2B | ||
| Q4 24 | $997.2M | $4.7B | ||
| Q3 24 | $730.7M | $5.0B | ||
| Q2 24 | $852.6M | $3.0B | ||
| Q1 24 | $422.7M | $1.5B |
| Q4 25 | 11.4% | 55.5% | ||
| Q3 25 | 10.7% | 63.8% | ||
| Q2 25 | 8.8% | 56.1% | ||
| Q1 25 | 9.0% | 30.6% | ||
| Q4 24 | 10.8% | 63.3% | ||
| Q3 24 | 7.5% | 68.2% | ||
| Q2 24 | 8.7% | 43.4% | ||
| Q1 24 | 4.7% | 23.9% |
| Q4 25 | 5.6% | 1.3% | ||
| Q3 25 | 4.2% | 2.1% | ||
| Q2 25 | 4.2% | 0.5% | ||
| Q1 25 | 3.2% | 2.2% | ||
| Q4 24 | 3.4% | 1.3% | ||
| Q3 24 | 3.7% | 1.5% | ||
| Q2 24 | 3.4% | 1.7% | ||
| Q1 24 | 4.0% | 2.5% |
| Q4 25 | 3.90× | 1.23× | ||
| Q3 25 | 3.34× | 1.44× | ||
| Q2 25 | 1.54× | 1.24× | ||
| Q1 25 | 1.19× | 0.73× | ||
| Q4 24 | 1.46× | 1.45× | ||
| Q3 24 | 1.20× | 1.57× | ||
| Q2 24 | 1.44× | 0.96× | ||
| Q1 24 | 0.90× | 0.56× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
IMO
Segment breakdown not available.
MA
| Payment Network | $4.9B | 56% |
| Value Added Services And Solutions | $3.9B | 44% |
