vs
Side-by-side financial comparison of Mastercard (MA) and PBF Energy Inc. (PBF). Click either name above to swap in a different company.
Mastercard is the larger business by last-quarter revenue ($8.8B vs $7.1B, roughly 1.2× PBF Energy Inc.). Mastercard runs the higher net margin — 46.1% vs 1.1%, a 45.0% gap on every dollar of revenue. On growth, Mastercard posted the faster year-over-year revenue change (17.6% vs -2.9%). Mastercard produced more free cash flow last quarter ($4.9B vs $77.0M). Over the past eight quarters, Mastercard's revenue compounded faster (17.8% CAGR vs -9.1%).
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.
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...
MA vs PBF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $8.8B | $7.1B |
| Net Profit | $4.1B | $78.4M |
| Gross Margin | — | -1.8% |
| Operating Margin | 55.8% | 1.8% |
| Net Margin | 46.1% | 1.1% |
| Revenue YoY | 17.6% | -2.9% |
| Net Profit YoY | 21.5% | 127.1% |
| EPS (diluted) | $4.52 | $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 | $8.8B | $7.1B | ||
| Q3 25 | $8.6B | $7.7B | ||
| Q2 25 | $8.1B | $7.5B | ||
| Q1 25 | $7.3B | $7.1B | ||
| Q4 24 | $7.5B | $7.4B | ||
| Q3 24 | $7.4B | $8.4B | ||
| Q2 24 | $7.0B | $8.7B | ||
| Q1 24 | $6.3B | $8.6B |
| Q4 25 | $4.1B | $78.4M | ||
| Q3 25 | $3.9B | $170.1M | ||
| Q2 25 | $3.7B | $-5.2M | ||
| Q1 25 | $3.3B | $-401.8M | ||
| Q4 24 | $3.3B | $-289.3M | ||
| Q3 24 | $3.3B | $-285.9M | ||
| Q2 24 | $3.3B | $-65.2M | ||
| Q1 24 | $3.0B | $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 | 55.8% | 1.8% | ||
| Q3 25 | 58.8% | 3.7% | ||
| Q2 25 | 58.7% | 0.6% | ||
| Q1 25 | 57.2% | -7.2% | ||
| Q4 24 | 52.6% | -5.2% | ||
| Q3 24 | 54.3% | -4.6% | ||
| Q2 24 | 58.0% | -0.9% | ||
| Q1 24 | 56.8% | 1.7% |
| Q4 25 | 46.1% | 1.1% | ||
| Q3 25 | 45.7% | 2.2% | ||
| Q2 25 | 45.5% | -0.1% | ||
| Q1 25 | 45.2% | -5.7% | ||
| Q4 24 | 44.6% | -3.9% | ||
| Q3 24 | 44.3% | -3.4% | ||
| Q2 24 | 46.8% | -0.7% | ||
| Q1 24 | 47.4% | 1.2% |
| Q4 25 | $4.52 | $0.74 | ||
| Q3 25 | $4.34 | $1.45 | ||
| Q2 25 | $4.07 | $-0.05 | ||
| Q1 25 | $3.59 | $-3.53 | ||
| Q4 24 | $3.64 | $-2.41 | ||
| Q3 24 | $3.53 | $-2.49 | ||
| Q2 24 | $3.50 | $-0.56 | ||
| Q1 24 | $3.22 | $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 | $10.6B | $527.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $7.7B | $5.3B |
| Total Assets | $54.2B | $13.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $10.6B | $527.9M | ||
| Q3 25 | $10.3B | $482.0M | ||
| Q2 25 | $9.0B | $590.7M | ||
| Q1 25 | $7.6B | $468.6M | ||
| Q4 24 | $8.4B | $536.1M | ||
| Q3 24 | $11.1B | $976.7M | ||
| Q2 24 | $7.0B | $1.4B | ||
| Q1 24 | $7.3B | $1.4B |
| Q4 25 | $7.7B | $5.3B | ||
| Q3 25 | $7.9B | $5.2B | ||
| Q2 25 | $7.9B | $5.1B | ||
| Q1 25 | $6.7B | $5.1B | ||
| Q4 24 | $6.5B | $5.5B | ||
| Q3 24 | $7.4B | $5.9B | ||
| Q2 24 | $7.4B | $6.3B | ||
| Q1 24 | $7.2B | $6.5B |
| Q4 25 | $54.2B | $13.0B | ||
| Q3 25 | $53.3B | $13.0B | ||
| Q2 25 | $51.4B | $13.0B | ||
| Q1 25 | $48.5B | $13.0B | ||
| Q4 24 | $48.1B | $12.7B | ||
| Q3 24 | $47.2B | $13.1B | ||
| Q2 24 | $42.3B | $14.1B | ||
| Q1 24 | $42.6B | $13.8B |
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 | $5.0B | $366.6M |
| Free Cash FlowOCF − Capex | $4.9B | $77.0M |
| FCF MarginFCF / Revenue | 55.5% | 1.1% |
| Capex IntensityCapex / Revenue | 1.3% | 4.1% |
| Cash ConversionOCF / Net Profit | 1.23× | 4.68× |
| TTM Free Cash FlowTrailing 4 quarters | $17.2B | $-783.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.0B | $366.6M | ||
| Q3 25 | $5.7B | $25.7M | ||
| Q2 25 | $4.6B | $191.1M | ||
| Q1 25 | $2.4B | $-661.4M | ||
| Q4 24 | $4.8B | $-329.7M | ||
| Q3 24 | $5.1B | $-68.0M | ||
| Q2 24 | $3.1B | $425.3M | ||
| Q1 24 | $1.7B | $15.8M |
| Q4 25 | $4.9B | $77.0M | ||
| Q3 25 | $5.5B | $-122.8M | ||
| Q2 25 | $4.6B | $35.0M | ||
| Q1 25 | $2.2B | $-772.4M | ||
| Q4 24 | $4.7B | $-425.7M | ||
| Q3 24 | $5.0B | $-169.8M | ||
| Q2 24 | $3.0B | $371.8M | ||
| Q1 24 | $1.5B | $-123.8M |
| Q4 25 | 55.5% | 1.1% | ||
| Q3 25 | 63.8% | -1.6% | ||
| Q2 25 | 56.1% | 0.5% | ||
| Q1 25 | 30.6% | -10.9% | ||
| Q4 24 | 63.3% | -5.8% | ||
| Q3 24 | 68.2% | -2.0% | ||
| Q2 24 | 43.4% | 4.3% | ||
| Q1 24 | 23.9% | -1.4% |
| Q4 25 | 1.3% | 4.1% | ||
| Q3 25 | 2.1% | 1.9% | ||
| Q2 25 | 0.5% | 2.1% | ||
| Q1 25 | 2.2% | 1.6% | ||
| Q4 24 | 1.3% | 1.3% | ||
| Q3 24 | 1.5% | 1.2% | ||
| Q2 24 | 1.7% | 0.6% | ||
| Q1 24 | 2.5% | 1.6% |
| Q4 25 | 1.23× | 4.68× | ||
| Q3 25 | 1.44× | 0.15× | ||
| Q2 25 | 1.24× | — | ||
| Q1 25 | 0.73× | — | ||
| Q4 24 | 1.45× | — | ||
| Q3 24 | 1.57× | — | ||
| Q2 24 | 0.96× | — | ||
| Q1 24 | 0.56× | 0.15× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MA
| Payment Network | $4.9B | 56% |
| Value Added Services And Solutions | $3.9B | 44% |
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% |
