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Side-by-side financial comparison of Murphy USA Inc. (MUSA) and Block, Inc. (XYZ). Click either name above to swap in a different company.
Block, Inc. is the larger business by last-quarter revenue ($6.3B vs $4.7B, roughly 1.3× Murphy USA Inc.). Murphy USA Inc. runs the higher net margin — 3.0% vs 1.9%, a 1.1% gap on every dollar of revenue. On growth, Block, Inc. posted the faster year-over-year revenue change (3.6% vs 0.7%). Block, Inc. produced more free cash flow last quarter ($579.8M vs $128.8M). Over the past eight quarters, Block, Inc.'s revenue compounded faster (2.4% CAGR vs -1.0%).
Murphy USA is an American corporation based in El Dorado, Arkansas that operates a chain of retail gas stations that are primarily located in proximity to Walmart stores. It was founded as a spin-off of Murphy Oil in 2013.
Block, Inc. is an American technology company and a financial services provider for consumers and merchants. Founded in 2009 by Jack Dorsey, it is the U.S. market leader in point-of-sale systems. As of 2024, Block serves 57 million users and 4 million sellers, processing $241 billion in payments annually.
MUSA vs XYZ — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $4.7B | $6.3B |
| Net Profit | $141.9M | $115.8M |
| Gross Margin | — | 45.9% |
| Operating Margin | 4.4% | 7.8% |
| Net Margin | 3.0% | 1.9% |
| Revenue YoY | 0.7% | 3.6% |
| Net Profit YoY | -0.4% | -94.1% |
| EPS (diluted) | $7.35 | $0.19 |
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 | $4.7B | $6.3B | ||
| Q3 25 | $5.1B | $6.1B | ||
| Q2 25 | $5.0B | $6.1B | ||
| Q1 25 | $4.5B | $5.8B | ||
| Q4 24 | $4.7B | $6.0B | ||
| Q3 24 | $5.2B | $6.0B | ||
| Q2 24 | $5.5B | $6.2B | ||
| Q1 24 | $4.8B | $6.0B |
| Q4 25 | $141.9M | $115.8M | ||
| Q3 25 | $129.9M | $461.5M | ||
| Q2 25 | $145.6M | $538.5M | ||
| Q1 25 | $53.2M | $189.9M | ||
| Q4 24 | $142.5M | $1.9B | ||
| Q3 24 | $149.2M | $283.8M | ||
| Q2 24 | $144.8M | $195.3M | ||
| Q1 24 | $66.0M | $472.0M |
| Q4 25 | — | 45.9% | ||
| Q3 25 | — | 43.5% | ||
| Q2 25 | — | 41.9% | ||
| Q1 25 | — | 39.7% | ||
| Q4 24 | — | 38.3% | ||
| Q3 24 | — | 37.6% | ||
| Q2 24 | — | 36.3% | ||
| Q1 24 | — | 35.2% |
| Q4 25 | 4.4% | 7.8% | ||
| Q3 25 | 3.9% | 6.7% | ||
| Q2 25 | 4.4% | 8.0% | ||
| Q1 25 | 1.9% | 5.7% | ||
| Q4 24 | 4.2% | 0.2% | ||
| Q3 24 | 4.2% | 5.4% | ||
| Q2 24 | 4.0% | 5.0% | ||
| Q1 24 | 2.2% | 4.2% |
| Q4 25 | 3.0% | 1.9% | ||
| Q3 25 | 2.5% | 7.5% | ||
| Q2 25 | 2.9% | 8.9% | ||
| Q1 25 | 1.2% | 3.3% | ||
| Q4 24 | 3.0% | 32.3% | ||
| Q3 24 | 2.8% | 4.7% | ||
| Q2 24 | 2.7% | 3.2% | ||
| Q1 24 | 1.4% | 7.9% |
| Q4 25 | $7.35 | $0.19 | ||
| Q3 25 | $6.76 | $0.74 | ||
| Q2 25 | $7.36 | $0.87 | ||
| Q1 25 | $2.63 | $0.30 | ||
| Q4 24 | $6.87 | $3.06 | ||
| Q3 24 | $7.20 | $0.45 | ||
| Q2 24 | $6.92 | $0.31 | ||
| Q1 24 | $3.12 | $0.74 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $28.9M | $6.6B |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $623.5M | $22.2B |
| Total Assets | $4.7B | $39.5B |
| Debt / EquityLower = less leverage | 3.47× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.9M | $6.6B | ||
| Q3 25 | $42.8M | $8.3B | ||
| Q2 25 | $54.1M | $6.4B | ||
| Q1 25 | $49.4M | $7.1B | ||
| Q4 24 | $47.0M | $8.1B | ||
| Q3 24 | $52.5M | $8.3B | ||
| Q2 24 | $79.8M | $7.8B | ||
| Q1 24 | $56.7M | $5.8B |
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | $7.3B | ||
| Q2 25 | $2.1B | $5.1B | ||
| Q1 25 | $2.0B | $5.1B | ||
| Q4 24 | $1.8B | $6.1B | ||
| Q3 24 | $1.8B | $6.1B | ||
| Q2 24 | $1.8B | $6.1B | ||
| Q1 24 | $1.8B | $4.1B |
| Q4 25 | $623.5M | $22.2B | ||
| Q3 25 | $546.0M | $22.5B | ||
| Q2 25 | $646.1M | $22.2B | ||
| Q1 25 | $719.6M | $21.5B | ||
| Q4 24 | $840.1M | $21.3B | ||
| Q3 24 | $830.1M | $19.9B | ||
| Q2 24 | $811.3M | $19.3B | ||
| Q1 24 | $781.6M | $19.0B |
| Q4 25 | $4.7B | $39.5B | ||
| Q3 25 | $4.7B | $39.2B | ||
| Q2 25 | $4.6B | $36.9B | ||
| Q1 25 | $4.5B | $36.4B | ||
| Q4 24 | $4.5B | $36.8B | ||
| Q3 24 | $4.4B | $36.4B | ||
| Q2 24 | $4.4B | $37.5B | ||
| Q1 24 | $4.3B | $35.6B |
| Q4 25 | 3.47× | — | ||
| Q3 25 | 4.07× | 0.32× | ||
| Q2 25 | 3.20× | 0.23× | ||
| Q1 25 | 2.74× | 0.24× | ||
| Q4 24 | 2.18× | 0.29× | ||
| Q3 24 | 2.19× | 0.31× | ||
| Q2 24 | 2.20× | 0.32× | ||
| Q1 24 | 2.28× | 0.22× |
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 | $245.5M | $621.0M |
| Free Cash FlowOCF − Capex | $128.8M | $579.8M |
| FCF MarginFCF / Revenue | 2.7% | 9.3% |
| Capex IntensityCapex / Revenue | 2.5% | 0.7% |
| Cash ConversionOCF / Net Profit | 1.73× | 5.36× |
| TTM Free Cash FlowTrailing 4 quarters | $374.3M | $2.4B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $245.5M | $621.0M | ||
| Q3 25 | $184.8M | $1.5B | ||
| Q2 25 | $255.1M | $374.3M | ||
| Q1 25 | $128.5M | $133.3M | ||
| Q4 24 | $248.7M | $13.8M | ||
| Q3 24 | $202.1M | $684.8M | ||
| Q2 24 | $260.8M | $519.4M | ||
| Q1 24 | $136.0M | $489.4M |
| Q4 25 | $128.8M | $579.8M | ||
| Q3 25 | $67.7M | $1.4B | ||
| Q2 25 | $137.1M | $343.0M | ||
| Q1 25 | $40.7M | $101.5M | ||
| Q4 24 | $121.7M | $-13.2M | ||
| Q3 24 | $65.2M | $628.2M | ||
| Q2 24 | $142.8M | $481.0M | ||
| Q1 24 | $59.8M | $457.4M |
| Q4 25 | 2.7% | 9.3% | ||
| Q3 25 | 1.3% | 22.9% | ||
| Q2 25 | 2.7% | 5.7% | ||
| Q1 25 | 0.9% | 1.8% | ||
| Q4 24 | 2.6% | -0.2% | ||
| Q3 24 | 1.2% | 10.5% | ||
| Q2 24 | 2.6% | 7.8% | ||
| Q1 24 | 1.2% | 7.7% |
| Q4 25 | 2.5% | 0.7% | ||
| Q3 25 | 2.3% | 0.8% | ||
| Q2 25 | 2.4% | 0.5% | ||
| Q1 25 | 1.9% | 0.6% | ||
| Q4 24 | 2.7% | 0.4% | ||
| Q3 24 | 2.6% | 0.9% | ||
| Q2 24 | 2.2% | 0.6% | ||
| Q1 24 | 1.6% | 0.5% |
| Q4 25 | 1.73× | 5.36× | ||
| Q3 25 | 1.42× | 3.14× | ||
| Q2 25 | 1.75× | 0.70× | ||
| Q1 25 | 2.42× | 0.70× | ||
| Q4 24 | 1.75× | 0.01× | ||
| Q3 24 | 1.35× | 2.41× | ||
| Q2 24 | 1.80× | 2.66× | ||
| Q1 24 | 2.06× | 1.04× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MUSA
| Product Sales Petroleum Retail | $3.3B | 69% |
| Merchandise | $1.1B | 23% |
| Product Sales Petroleum Wholesale | $327.9M | 7% |
| Other | $57.0M | 1% |
| Renewable Identification Numbers | $55.3M | 1% |
| Revenue Other | $1.3M | 0% |
XYZ
| US | $5.7B | 91% |
| Non Us | $560.9M | 9% |
