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Side-by-side financial comparison of PBF Energy Inc. (PBF) and Synchrony Financial (SYF). Click either name above to swap in a different company.
PBF Energy Inc. is the larger business by last-quarter revenue ($7.1B vs $4.8B, roughly 1.5× Synchrony Financial). Synchrony Financial runs the higher net margin — 15.8% vs 1.1%, a 14.7% gap on every dollar of revenue. On growth, Synchrony Financial posted the faster year-over-year revenue change (3.7% vs -2.9%). Over the past eight quarters, Synchrony Financial's revenue compounded faster (4.0% 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...
Synchrony Financial is an American consumer financial services company with its headquarters in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary.
PBF vs SYF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $7.1B | $4.8B |
| Net Profit | $78.4M | $751.0M |
| Gross Margin | -1.8% | — |
| Operating Margin | 1.8% | 20.0% |
| Net Margin | 1.1% | 15.8% |
| Revenue YoY | -2.9% | 3.7% |
| Net Profit YoY | 127.1% | -3.0% |
| EPS (diluted) | $0.74 | $2.03 |
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 | $4.8B | ||
| Q3 25 | $7.7B | $4.7B | ||
| Q2 25 | $7.5B | $4.5B | ||
| Q1 25 | $7.1B | $4.5B | ||
| Q4 24 | $7.4B | $4.6B | ||
| Q3 24 | $8.4B | $4.6B | ||
| Q2 24 | $8.7B | $4.4B | ||
| Q1 24 | $8.6B | $4.4B |
| Q4 25 | $78.4M | $751.0M | ||
| Q3 25 | $170.1M | $1.1B | ||
| Q2 25 | $-5.2M | $967.0M | ||
| Q1 25 | $-401.8M | $757.0M | ||
| Q4 24 | $-289.3M | $774.0M | ||
| Q3 24 | $-285.9M | $789.0M | ||
| Q2 24 | $-65.2M | $643.0M | ||
| Q1 24 | $106.6M | $1.3B |
| 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% | 20.0% | ||
| Q3 25 | 3.7% | 30.3% | ||
| Q2 25 | 0.6% | 27.8% | ||
| Q1 25 | -7.2% | 22.0% | ||
| Q4 24 | -5.2% | 21.2% | ||
| Q3 24 | -4.6% | 22.3% | ||
| Q2 24 | -0.9% | 19.2% | ||
| Q1 24 | 1.7% | 38.8% |
| Q4 25 | 1.1% | 15.8% | ||
| Q3 25 | 2.2% | 22.8% | ||
| Q2 25 | -0.1% | 21.4% | ||
| Q1 25 | -5.7% | 17.0% | ||
| Q4 24 | -3.9% | 16.9% | ||
| Q3 24 | -3.4% | 17.1% | ||
| Q2 24 | -0.7% | 14.6% | ||
| Q1 24 | 1.2% | 29.4% |
| Q4 25 | $0.74 | $2.03 | ||
| Q3 25 | $1.45 | $2.86 | ||
| Q2 25 | $-0.05 | $2.50 | ||
| Q1 25 | $-3.53 | $1.89 | ||
| Q4 24 | $-2.41 | $1.92 | ||
| Q3 24 | $-2.49 | $1.94 | ||
| Q2 24 | $-0.56 | $1.55 | ||
| Q1 24 | $0.86 | $3.14 |
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 | $15.0B |
| Total DebtLower is stronger | — | $15.2B |
| Stockholders' EquityBook value | $5.3B | $16.8B |
| Total Assets | $13.0B | $119.1B |
| Debt / EquityLower = less leverage | — | 0.91× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $527.9M | $15.0B | ||
| Q3 25 | $482.0M | $16.2B | ||
| Q2 25 | $590.7M | $19.5B | ||
| Q1 25 | $468.6M | $21.6B | ||
| Q4 24 | $536.1M | $14.7B | ||
| Q3 24 | $976.7M | $17.9B | ||
| Q2 24 | $1.4B | $18.6B | ||
| Q1 24 | $1.4B | $20.0B |
| Q4 25 | — | $15.2B | ||
| Q3 25 | — | $14.4B | ||
| Q2 25 | — | $16.0B | ||
| Q1 25 | — | $17.0B | ||
| Q4 24 | — | $15.5B | ||
| Q3 24 | — | $15.6B | ||
| Q2 24 | — | $15.6B | ||
| Q1 24 | — | $16.1B |
| Q4 25 | $5.3B | $16.8B | ||
| Q3 25 | $5.2B | $17.1B | ||
| Q2 25 | $5.1B | $17.0B | ||
| Q1 25 | $5.1B | $16.6B | ||
| Q4 24 | $5.5B | $16.6B | ||
| Q3 24 | $5.9B | $16.0B | ||
| Q2 24 | $6.3B | $15.5B | ||
| Q1 24 | $6.5B | $15.3B |
| Q4 25 | $13.0B | $119.1B | ||
| Q3 25 | $13.0B | $117.0B | ||
| Q2 25 | $13.0B | $120.5B | ||
| Q1 25 | $13.0B | $122.0B | ||
| Q4 24 | $12.7B | $119.5B | ||
| Q3 24 | $13.1B | $119.2B | ||
| Q2 24 | $14.1B | $120.5B | ||
| Q1 24 | $13.8B | $121.2B |
| Q4 25 | — | 0.91× | ||
| Q3 25 | — | 0.85× | ||
| Q2 25 | — | 0.94× | ||
| Q1 25 | — | 1.03× | ||
| Q4 24 | — | 0.93× | ||
| Q3 24 | — | 0.98× | ||
| Q2 24 | — | 1.01× | ||
| Q1 24 | — | 1.06× |
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 | $2.5B |
| Free Cash FlowOCF − Capex | $77.0M | — |
| FCF MarginFCF / Revenue | 1.1% | — |
| Capex IntensityCapex / Revenue | 4.1% | — |
| Cash ConversionOCF / Net Profit | 4.68× | 3.27× |
| TTM Free Cash FlowTrailing 4 quarters | $-783.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $366.6M | $2.5B | ||
| Q3 25 | $25.7M | $2.6B | ||
| Q2 25 | $191.1M | $2.6B | ||
| Q1 25 | $-661.4M | $2.2B | ||
| Q4 24 | $-329.7M | $2.4B | ||
| Q3 24 | $-68.0M | $2.8B | ||
| Q2 24 | $425.3M | $2.5B | ||
| Q1 24 | $15.8M | $2.2B |
| 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 24 | $-123.8M | — |
| 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 24 | -1.4% | — |
| 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 24 | 1.6% | — |
| Q4 25 | 4.68× | 3.27× | ||
| Q3 25 | 0.15× | 2.45× | ||
| Q2 25 | — | 2.65× | ||
| Q1 25 | — | 2.91× | ||
| Q4 24 | — | 3.04× | ||
| Q3 24 | — | 3.50× | ||
| Q2 24 | — | 3.86× | ||
| Q1 24 | 0.15× | 1.74× |
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% |
SYF
Segment breakdown not available.
