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Side-by-side financial comparison of PBF Energy Inc. (PBF) and PayPal (PYPL). Click either name above to swap in a different company.
PayPal is the larger business by last-quarter revenue ($8.7B vs $7.1B, roughly 1.2× PBF Energy Inc.). PayPal runs the higher net margin — 16.6% vs 1.1%, a 15.5% gap on every dollar of revenue. On growth, PayPal posted the faster year-over-year revenue change (3.7% vs -2.9%). PayPal produced more free cash flow last quarter ($2.2B vs $77.0M). Over the past eight quarters, PayPal's revenue compounded faster (6.2% CAGR vs -9.1%).
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...
PayPalPYPLEarnings & Financial Report
PayPal Holdings, Inc. is an American multinational financial technology company operating an online payments system in the majority of countries that support online money transfers; it serves as an electronic alternative to traditional paper methods such as checks and money orders. The company operates as a payment processor for online vendors, auction sites and many other commercial and company users.
PBF vs PYPL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $7.1B | $8.7B |
| Net Profit | $78.4M | $1.4B |
| Gross Margin | -1.8% | — |
| Operating Margin | 1.8% | 17.4% |
| Net Margin | 1.1% | 16.6% |
| Revenue YoY | -2.9% | 3.7% |
| Net Profit YoY | 127.1% | 28.2% |
| EPS (diluted) | $0.74 | $1.53 |
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 | $7.1B | $8.7B | ||
| Q3 25 | $7.7B | $8.4B | ||
| Q2 25 | $7.5B | $8.3B | ||
| Q1 25 | $7.1B | $7.8B | ||
| Q4 24 | $7.4B | $8.4B | ||
| Q3 24 | $8.4B | $7.8B | ||
| Q2 24 | $8.7B | $7.9B | ||
| Q1 24 | $8.6B | $7.7B |
| Q4 25 | $78.4M | $1.4B | ||
| Q3 25 | $170.1M | $1.2B | ||
| Q2 25 | $-5.2M | $1.3B | ||
| Q1 25 | $-401.8M | $1.3B | ||
| Q4 24 | $-289.3M | $1.1B | ||
| Q3 24 | $-285.9M | $1.0B | ||
| Q2 24 | $-65.2M | $1.1B | ||
| Q1 24 | $106.6M | $888.0M |
| 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 | 1.8% | 17.4% | ||
| Q3 25 | 3.7% | 18.1% | ||
| Q2 25 | 0.6% | 18.1% | ||
| Q1 25 | -7.2% | 19.6% | ||
| Q4 24 | -5.2% | 17.2% | ||
| Q3 24 | -4.6% | 17.7% | ||
| Q2 24 | -0.9% | 16.8% | ||
| Q1 24 | 1.7% | 15.2% |
| Q4 25 | 1.1% | 16.6% | ||
| Q3 25 | 2.2% | 14.8% | ||
| Q2 25 | -0.1% | 15.2% | ||
| Q1 25 | -5.7% | 16.5% | ||
| Q4 24 | -3.9% | 13.4% | ||
| Q3 24 | -3.4% | 12.9% | ||
| Q2 24 | -0.7% | 14.3% | ||
| Q1 24 | 1.2% | 11.5% |
| Q4 25 | $0.74 | $1.53 | ||
| Q3 25 | $1.45 | $1.30 | ||
| Q2 25 | $-0.05 | $1.29 | ||
| Q1 25 | $-3.53 | $1.29 | ||
| Q4 24 | $-2.41 | $1.09 | ||
| Q3 24 | $-2.49 | $0.99 | ||
| Q2 24 | $-0.56 | $1.08 | ||
| Q1 24 | $0.86 | $0.83 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $527.9M | $10.4B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.3B | $20.3B |
| Total Assets | $13.0B | $80.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $527.9M | $10.4B | ||
| Q3 25 | $482.0M | $10.8B | ||
| Q2 25 | $590.7M | $10.0B | ||
| Q1 25 | $468.6M | $11.2B | ||
| Q4 24 | $536.1M | $10.8B | ||
| Q3 24 | $976.7M | $11.9B | ||
| Q2 24 | $1.4B | $13.6B | ||
| Q1 24 | $1.4B | $14.3B |
| Q4 25 | $5.3B | $20.3B | ||
| Q3 25 | $5.2B | $20.2B | ||
| Q2 25 | $5.1B | $20.2B | ||
| Q1 25 | $5.1B | $20.3B | ||
| Q4 24 | $5.5B | $20.4B | ||
| Q3 24 | $5.9B | $20.2B | ||
| Q2 24 | $6.3B | $20.6B | ||
| Q1 24 | $6.5B | $20.7B |
| Q4 25 | $13.0B | $80.2B | ||
| Q3 25 | $13.0B | $79.8B | ||
| Q2 25 | $13.0B | $79.8B | ||
| Q1 25 | $13.0B | $81.3B | ||
| Q4 24 | $12.7B | $81.6B | ||
| Q3 24 | $13.1B | $83.5B | ||
| Q2 24 | $14.1B | $84.0B | ||
| Q1 24 | $13.8B | $83.3B |
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 | $366.6M | $2.4B |
| Free Cash FlowOCF − Capex | $77.0M | $2.2B |
| FCF MarginFCF / Revenue | 1.1% | 25.2% |
| Capex IntensityCapex / Revenue | 4.1% | 2.2% |
| Cash ConversionOCF / Net Profit | 4.68× | 1.66× |
| TTM Free Cash FlowTrailing 4 quarters | $-783.2M | $5.6B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $366.6M | $2.4B | ||
| Q3 25 | $25.7M | $2.0B | ||
| Q2 25 | $191.1M | $898.0M | ||
| Q1 25 | $-661.4M | $1.2B | ||
| Q4 24 | $-329.7M | $2.4B | ||
| Q3 24 | $-68.0M | $1.6B | ||
| Q2 24 | $425.3M | $1.5B | ||
| Q1 24 | $15.8M | $1.9B |
| Q4 25 | $77.0M | $2.2B | ||
| Q3 25 | $-122.8M | $1.7B | ||
| Q2 25 | $35.0M | $692.0M | ||
| Q1 25 | $-772.4M | $964.0M | ||
| Q4 24 | $-425.7M | $2.2B | ||
| Q3 24 | $-169.8M | $1.4B | ||
| Q2 24 | $371.8M | $1.4B | ||
| Q1 24 | $-123.8M | $1.8B |
| Q4 25 | 1.1% | 25.2% | ||
| Q3 25 | -1.6% | 20.4% | ||
| Q2 25 | 0.5% | 8.3% | ||
| Q1 25 | -10.9% | 12.4% | ||
| Q4 24 | -5.8% | 26.2% | ||
| Q3 24 | -2.0% | 18.4% | ||
| Q2 24 | 4.3% | 17.3% | ||
| Q1 24 | -1.4% | 22.9% |
| Q4 25 | 4.1% | 2.2% | ||
| Q3 25 | 1.9% | 3.0% | ||
| Q2 25 | 2.1% | 2.5% | ||
| Q1 25 | 1.6% | 2.5% | ||
| Q4 24 | 1.3% | 2.4% | ||
| Q3 24 | 1.2% | 2.2% | ||
| Q2 24 | 0.6% | 2.0% | ||
| Q1 24 | 1.6% | 2.0% |
| Q4 25 | 4.68× | 1.66× | ||
| Q3 25 | 0.15× | 1.58× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.90× | ||
| Q4 24 | — | 2.14× | ||
| Q3 24 | — | 1.60× | ||
| Q2 24 | — | 1.35× | ||
| Q1 24 | 0.15× | 2.16× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
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% |
PYPL
| US | $4.9B | 57% |
| Non Us | $3.7B | 43% |
