vs
Side-by-side financial comparison of PBF Energy Inc. (PBF) and Visa Inc. (V). Click either name above to swap in a different company.
Visa Inc. is the larger business by last-quarter revenue ($11.2B vs $7.9B, roughly 1.4× PBF Energy Inc.). Visa Inc. runs the higher net margin — 53.4% vs 2.5%, a 50.9% gap on every dollar of revenue. On growth, Visa Inc. posted the faster year-over-year revenue change (17.0% vs 11.9%). Over the past eight quarters, Visa Inc.'s revenue compounded faster (8.1% 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...
Visa Inc. is an American multinational payment card services corporation headquartered in San Francisco, California. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards.
PBF vs V — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $7.9B | $11.2B |
| Net Profit | $200.2M | $6.0B |
| Gross Margin | 3.5% | — |
| Operating Margin | 3.8% | 64.4% |
| Net Margin | 2.5% | 53.4% |
| Revenue YoY | 11.9% | 17.0% |
| Net Profit YoY | 149.4% | 32.0% |
| EPS (diluted) | $1.65 | — |
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.
| Q2 26 | — | $11.2B | ||
| Q1 26 | $7.9B | — | ||
| Q4 25 | $7.1B | $10.9B | ||
| Q3 25 | $7.7B | $10.7B | ||
| Q2 25 | $7.5B | $10.2B | ||
| Q1 25 | $7.1B | $9.6B | ||
| Q4 24 | $7.4B | $9.5B | ||
| Q3 24 | $8.4B | $9.6B |
| Q2 26 | — | $6.0B | ||
| Q1 26 | $200.2M | — | ||
| Q4 25 | $78.4M | $5.9B | ||
| Q3 25 | $170.1M | $5.1B | ||
| Q2 25 | $-5.2M | $5.3B | ||
| Q1 25 | $-401.8M | $4.6B | ||
| Q4 24 | $-289.3M | $5.1B | ||
| Q3 24 | $-285.9M | $5.3B |
| Q2 26 | — | — | ||
| 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 26 | — | 64.4% | ||
| Q1 26 | 3.8% | — | ||
| Q4 25 | 1.8% | 61.8% | ||
| Q3 25 | 3.7% | 57.3% | ||
| Q2 25 | 0.6% | 60.7% | ||
| Q1 25 | -7.2% | 56.6% | ||
| Q4 24 | -5.2% | 65.6% | ||
| Q3 24 | -4.6% | 66.0% |
| Q2 26 | — | 53.4% | ||
| Q1 26 | 2.5% | — | ||
| Q4 25 | 1.1% | 53.7% | ||
| Q3 25 | 2.2% | 47.5% | ||
| Q2 25 | -0.1% | 51.8% | ||
| Q1 25 | -5.7% | 47.7% | ||
| Q4 24 | -3.9% | 53.8% | ||
| Q3 24 | -3.4% | 55.3% |
| Q2 26 | — | — | ||
| Q1 26 | $1.65 | — | ||
| Q4 25 | $0.74 | — | ||
| Q3 25 | $1.45 | — | ||
| Q2 25 | $-0.05 | — | ||
| Q1 25 | $-3.53 | — | ||
| Q4 24 | $-2.41 | — | ||
| Q3 24 | $-2.49 | — |
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 | $12.4B |
| Total DebtLower is stronger | — | $22.4B |
| Stockholders' EquityBook value | $5.7B | $35.7B |
| Total Assets | $14.7B | $95.0B |
| Debt / EquityLower = less leverage | — | 0.63× |
8-quarter trend — quarters aligned by calendar period.
| Q2 26 | — | $12.4B | ||
| Q1 26 | $541.8M | — | ||
| Q4 25 | $527.9M | $14.8B | ||
| Q3 25 | $482.0M | $17.2B | ||
| Q2 25 | $590.7M | $17.1B | ||
| Q1 25 | $468.6M | $11.7B | ||
| Q4 24 | $536.1M | $12.4B | ||
| Q3 24 | $976.7M | $12.0B |
| Q2 26 | — | $22.4B | ||
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — |
| Q2 26 | — | $35.7B | ||
| Q1 26 | $5.7B | — | ||
| Q4 25 | $5.3B | $38.8B | ||
| Q3 25 | $5.2B | $37.9B | ||
| Q2 25 | $5.1B | $38.7B | ||
| Q1 25 | $5.1B | $38.0B | ||
| Q4 24 | $5.5B | $38.3B | ||
| Q3 24 | $5.9B | $39.1B |
| Q2 26 | — | $95.0B | ||
| Q1 26 | $14.7B | — | ||
| Q4 25 | $13.0B | $96.8B | ||
| Q3 25 | $13.0B | $99.6B | ||
| Q2 25 | $13.0B | $100.0B | ||
| Q1 25 | $13.0B | $92.9B | ||
| Q4 24 | $12.7B | $91.9B | ||
| Q3 24 | $13.1B | $94.5B |
| Q2 26 | — | 0.63× | ||
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PBF
Segment breakdown not available.
V
| Data processing revenue | $5.5B | 49% |
| International transaction revenue | $3.6B | 32% |
| Other revenue | $1.3B | 12% |
| Other | $736.0M | 7% |
