vs
Side-by-side financial comparison of PBF Energy Inc. (PBF) and REINSURANCE GROUP OF AMERICA INC (RGA). Click either name above to swap in a different company.
PBF Energy Inc. is the larger business by last-quarter revenue ($7.9B vs $6.6B, roughly 1.2× REINSURANCE GROUP OF AMERICA INC). REINSURANCE GROUP OF AMERICA INC runs the higher net margin — 7.0% vs 2.5%, a 4.4% gap on every dollar of revenue. On growth, REINSURANCE GROUP OF AMERICA INC posted the faster year-over-year revenue change (26.6% vs 11.9%). Over the past eight quarters, REINSURANCE GROUP OF AMERICA INC's revenue compounded faster (2.3% CAGR vs -4.9%).
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...
Reinsurance Group of America, Incorporated is a holding company for a global life and health reinsurance entity based in Greater St. Louis within the western suburb of Chesterfield, Missouri, United States. With approximately $3.9 trillion of life reinsurance in force and assets of $118.7 billion as of December 31, 2024, RGA has grown to become the only international company to focus primarily on life and health-related reinsurance.
PBF vs RGA — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $7.9B | $6.6B |
| Net Profit | $200.2M | $463.0M |
| Gross Margin | 3.5% | — |
| Operating Margin | 3.8% | 7.7% |
| Net Margin | 2.5% | 7.0% |
| Revenue YoY | 11.9% | 26.6% |
| Net Profit YoY | 149.4% | 212.8% |
| EPS (diluted) | $1.65 | $6.91 |
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.
| Q1 26 | $7.9B | — | ||
| Q4 25 | $7.1B | $6.6B | ||
| Q3 25 | $7.7B | $6.2B | ||
| Q2 25 | $7.5B | $5.6B | ||
| Q1 25 | $7.1B | $5.3B | ||
| Q4 24 | $7.4B | $5.2B | ||
| Q3 24 | $8.4B | $5.7B | ||
| Q2 24 | $8.7B | $4.9B |
| Q1 26 | $200.2M | — | ||
| Q4 25 | $78.4M | $463.0M | ||
| Q3 25 | $170.1M | $253.0M | ||
| Q2 25 | $-5.2M | $180.0M | ||
| Q1 25 | $-401.8M | $286.0M | ||
| Q4 24 | $-289.3M | $148.0M | ||
| Q3 24 | $-285.9M | $156.0M | ||
| Q2 24 | $-65.2M | $203.0M |
| Q1 26 | 3.5% | — | ||
| 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 26 | 3.8% | — | ||
| Q4 25 | 1.8% | 7.7% | ||
| Q3 25 | 3.7% | 5.2% | ||
| Q2 25 | 0.6% | 6.1% | ||
| Q1 25 | -7.2% | 7.0% | ||
| Q4 24 | -5.2% | 4.3% | ||
| Q3 24 | -4.6% | 3.8% | ||
| Q2 24 | -0.9% | 5.5% |
| Q1 26 | 2.5% | — | ||
| Q4 25 | 1.1% | 7.0% | ||
| Q3 25 | 2.2% | 4.1% | ||
| Q2 25 | -0.1% | 3.2% | ||
| Q1 25 | -5.7% | 5.4% | ||
| Q4 24 | -3.9% | 2.8% | ||
| Q3 24 | -3.4% | 2.8% | ||
| Q2 24 | -0.7% | 4.2% |
| Q1 26 | $1.65 | — | ||
| Q4 25 | $0.74 | $6.91 | ||
| Q3 25 | $1.45 | $3.81 | ||
| Q2 25 | $-0.05 | $2.70 | ||
| Q1 25 | $-3.53 | $4.27 | ||
| Q4 24 | $-2.41 | $2.21 | ||
| Q3 24 | $-2.49 | $2.33 | ||
| Q2 24 | $-0.56 | $3.03 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $541.8M | $4.2B |
| Total DebtLower is stronger | — | $5.7B |
| Stockholders' EquityBook value | $5.7B | $13.5B |
| Total Assets | $14.7B | $156.6B |
| Debt / EquityLower = less leverage | — | 0.42× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $541.8M | — | ||
| Q4 25 | $527.9M | $4.2B | ||
| Q3 25 | $482.0M | $4.6B | ||
| Q2 25 | $590.7M | $5.4B | ||
| Q1 25 | $468.6M | $5.2B | ||
| Q4 24 | $536.1M | $3.3B | ||
| Q3 24 | $976.7M | $5.2B | ||
| Q2 24 | $1.4B | $4.6B |
| Q1 26 | — | — | ||
| Q4 25 | — | $5.7B | ||
| Q3 25 | — | $5.7B | ||
| Q2 25 | — | $5.7B | ||
| Q1 25 | — | $5.7B | ||
| Q4 24 | — | $5.0B | ||
| Q3 24 | — | $5.1B | ||
| Q2 24 | — | $5.1B |
| Q1 26 | $5.7B | — | ||
| Q4 25 | $5.3B | $13.5B | ||
| Q3 25 | $5.2B | $13.0B | ||
| Q2 25 | $5.1B | $12.1B | ||
| Q1 25 | $5.1B | $11.4B | ||
| Q4 24 | $5.5B | $10.8B | ||
| Q3 24 | $5.9B | $11.1B | ||
| Q2 24 | $6.3B | $9.7B |
| Q1 26 | $14.7B | — | ||
| Q4 25 | $13.0B | $156.6B | ||
| Q3 25 | $13.0B | $152.0B | ||
| Q2 25 | $13.0B | $133.5B | ||
| Q1 25 | $13.0B | $128.2B | ||
| Q4 24 | $12.7B | $118.7B | ||
| Q3 24 | $13.1B | $120.3B | ||
| Q2 24 | $14.1B | $109.9B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.42× | ||
| Q3 25 | — | 0.44× | ||
| Q2 25 | — | 0.48× | ||
| Q1 25 | — | 0.50× | ||
| Q4 24 | — | 0.47× | ||
| Q3 24 | — | 0.46× | ||
| Q2 24 | — | 0.52× |
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 | — | $7.3B |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | 4.0% | — |
| Cash ConversionOCF / Net Profit | — | 15.83× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $366.6M | $7.3B | ||
| Q3 25 | $25.7M | $-990.0M | ||
| Q2 25 | $191.1M | $-820.0M | ||
| Q1 25 | $-661.4M | $-1.4B | ||
| Q4 24 | $-329.7M | $17.1B | ||
| Q3 24 | $-68.0M | $-1.1B | ||
| Q2 24 | $425.3M | $-967.0M |
| Q1 26 | — | — | ||
| Q4 25 | $77.0M | — | ||
| Q3 25 | $-122.8M | — | ||
| Q2 25 | $35.0M | — | ||
| Q1 25 | $-772.4M | — | ||
| Q4 24 | $-425.7M | — | ||
| Q3 24 | $-169.8M | — | ||
| Q2 24 | $371.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.1% | — | ||
| Q3 25 | -1.6% | — | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | -10.9% | — | ||
| Q4 24 | -5.8% | — | ||
| Q3 24 | -2.0% | — | ||
| Q2 24 | 4.3% | — |
| Q1 26 | 4.0% | — | ||
| Q4 25 | 4.1% | — | ||
| Q3 25 | 1.9% | — | ||
| Q2 25 | 2.1% | — | ||
| Q1 25 | 1.6% | — | ||
| Q4 24 | 1.3% | — | ||
| Q3 24 | 1.2% | — | ||
| Q2 24 | 0.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.68× | 15.83× | ||
| Q3 25 | 0.15× | -3.91× | ||
| Q2 25 | — | -4.56× | ||
| Q1 25 | — | -5.00× | ||
| Q4 24 | — | 115.81× | ||
| Q3 24 | — | -6.84× | ||
| Q2 24 | — | -4.76× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
