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Side-by-side financial comparison of PBF Energy Inc. (PBF) and Block, Inc. (XYZ). Click either name above to swap in a different company.
PBF Energy Inc. is the larger business by last-quarter revenue ($7.1B vs $6.3B, roughly 1.1× Block, Inc.). Block, Inc. runs the higher net margin — 1.9% vs 1.1%, a 0.8% gap on every dollar of revenue. On growth, Block, Inc. posted the faster year-over-year revenue change (3.6% vs -2.9%). Block, Inc. produced more free cash flow last quarter ($579.8M vs $77.0M). Over the past eight quarters, Block, Inc.'s revenue compounded faster (2.4% 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...
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.
PBF vs XYZ — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $7.1B | $6.3B |
| Net Profit | $78.4M | $115.8M |
| Gross Margin | -1.8% | 45.9% |
| Operating Margin | 1.8% | 7.8% |
| Net Margin | 1.1% | 1.9% |
| Revenue YoY | -2.9% | 3.6% |
| Net Profit YoY | 127.1% | -94.1% |
| EPS (diluted) | $0.74 | $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 | $7.1B | $6.3B | ||
| Q3 25 | $7.7B | $6.1B | ||
| Q2 25 | $7.5B | $6.1B | ||
| Q1 25 | $7.1B | $5.8B | ||
| Q4 24 | $7.4B | $6.0B | ||
| Q3 24 | $8.4B | $6.0B | ||
| Q2 24 | $8.7B | $6.2B | ||
| Q1 24 | $8.6B | $6.0B |
| Q4 25 | $78.4M | $115.8M | ||
| Q3 25 | $170.1M | $461.5M | ||
| Q2 25 | $-5.2M | $538.5M | ||
| Q1 25 | $-401.8M | $189.9M | ||
| Q4 24 | $-289.3M | $1.9B | ||
| Q3 24 | $-285.9M | $283.8M | ||
| Q2 24 | $-65.2M | $195.3M | ||
| Q1 24 | $106.6M | $472.0M |
| Q4 25 | -1.8% | 45.9% | ||
| Q3 25 | 0.5% | 43.5% | ||
| Q2 25 | -0.8% | 41.9% | ||
| Q1 25 | -5.9% | 39.7% | ||
| Q4 24 | -4.2% | 38.3% | ||
| Q3 24 | -3.4% | 37.6% | ||
| Q2 24 | 0.1% | 36.3% | ||
| Q1 24 | 2.5% | 35.2% |
| Q4 25 | 1.8% | 7.8% | ||
| Q3 25 | 3.7% | 6.7% | ||
| Q2 25 | 0.6% | 8.0% | ||
| Q1 25 | -7.2% | 5.7% | ||
| Q4 24 | -5.2% | 0.2% | ||
| Q3 24 | -4.6% | 5.4% | ||
| Q2 24 | -0.9% | 5.0% | ||
| Q1 24 | 1.7% | 4.2% |
| Q4 25 | 1.1% | 1.9% | ||
| Q3 25 | 2.2% | 7.5% | ||
| Q2 25 | -0.1% | 8.9% | ||
| Q1 25 | -5.7% | 3.3% | ||
| Q4 24 | -3.9% | 32.3% | ||
| Q3 24 | -3.4% | 4.7% | ||
| Q2 24 | -0.7% | 3.2% | ||
| Q1 24 | 1.2% | 7.9% |
| Q4 25 | $0.74 | $0.19 | ||
| Q3 25 | $1.45 | $0.74 | ||
| Q2 25 | $-0.05 | $0.87 | ||
| Q1 25 | $-3.53 | $0.30 | ||
| Q4 24 | $-2.41 | $3.06 | ||
| Q3 24 | $-2.49 | $0.45 | ||
| Q2 24 | $-0.56 | $0.31 | ||
| Q1 24 | $0.86 | $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 | $527.9M | $6.6B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.3B | $22.2B |
| Total Assets | $13.0B | $39.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $527.9M | $6.6B | ||
| Q3 25 | $482.0M | $8.3B | ||
| Q2 25 | $590.7M | $6.4B | ||
| Q1 25 | $468.6M | $7.1B | ||
| Q4 24 | $536.1M | $8.1B | ||
| Q3 24 | $976.7M | $8.3B | ||
| Q2 24 | $1.4B | $7.8B | ||
| Q1 24 | $1.4B | $5.8B |
| Q4 25 | — | — | ||
| Q3 25 | — | $7.3B | ||
| Q2 25 | — | $5.1B | ||
| Q1 25 | — | $5.1B | ||
| Q4 24 | — | $6.1B | ||
| Q3 24 | — | $6.1B | ||
| Q2 24 | — | $6.1B | ||
| Q1 24 | — | $4.1B |
| Q4 25 | $5.3B | $22.2B | ||
| Q3 25 | $5.2B | $22.5B | ||
| Q2 25 | $5.1B | $22.2B | ||
| Q1 25 | $5.1B | $21.5B | ||
| Q4 24 | $5.5B | $21.3B | ||
| Q3 24 | $5.9B | $19.9B | ||
| Q2 24 | $6.3B | $19.3B | ||
| Q1 24 | $6.5B | $19.0B |
| Q4 25 | $13.0B | $39.5B | ||
| Q3 25 | $13.0B | $39.2B | ||
| Q2 25 | $13.0B | $36.9B | ||
| Q1 25 | $13.0B | $36.4B | ||
| Q4 24 | $12.7B | $36.8B | ||
| Q3 24 | $13.1B | $36.4B | ||
| Q2 24 | $14.1B | $37.5B | ||
| Q1 24 | $13.8B | $35.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.32× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.29× | ||
| Q3 24 | — | 0.31× | ||
| Q2 24 | — | 0.32× | ||
| Q1 24 | — | 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 | $366.6M | $621.0M |
| Free Cash FlowOCF − Capex | $77.0M | $579.8M |
| FCF MarginFCF / Revenue | 1.1% | 9.3% |
| Capex IntensityCapex / Revenue | 4.1% | 0.7% |
| Cash ConversionOCF / Net Profit | 4.68× | 5.36× |
| TTM Free Cash FlowTrailing 4 quarters | $-783.2M | $2.4B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $366.6M | $621.0M | ||
| Q3 25 | $25.7M | $1.5B | ||
| Q2 25 | $191.1M | $374.3M | ||
| Q1 25 | $-661.4M | $133.3M | ||
| Q4 24 | $-329.7M | $13.8M | ||
| Q3 24 | $-68.0M | $684.8M | ||
| Q2 24 | $425.3M | $519.4M | ||
| Q1 24 | $15.8M | $489.4M |
| Q4 25 | $77.0M | $579.8M | ||
| Q3 25 | $-122.8M | $1.4B | ||
| Q2 25 | $35.0M | $343.0M | ||
| Q1 25 | $-772.4M | $101.5M | ||
| Q4 24 | $-425.7M | $-13.2M | ||
| Q3 24 | $-169.8M | $628.2M | ||
| Q2 24 | $371.8M | $481.0M | ||
| Q1 24 | $-123.8M | $457.4M |
| Q4 25 | 1.1% | 9.3% | ||
| Q3 25 | -1.6% | 22.9% | ||
| Q2 25 | 0.5% | 5.7% | ||
| Q1 25 | -10.9% | 1.8% | ||
| Q4 24 | -5.8% | -0.2% | ||
| Q3 24 | -2.0% | 10.5% | ||
| Q2 24 | 4.3% | 7.8% | ||
| Q1 24 | -1.4% | 7.7% |
| Q4 25 | 4.1% | 0.7% | ||
| Q3 25 | 1.9% | 0.8% | ||
| Q2 25 | 2.1% | 0.5% | ||
| Q1 25 | 1.6% | 0.6% | ||
| Q4 24 | 1.3% | 0.4% | ||
| Q3 24 | 1.2% | 0.9% | ||
| Q2 24 | 0.6% | 0.6% | ||
| Q1 24 | 1.6% | 0.5% |
| Q4 25 | 4.68× | 5.36× | ||
| Q3 25 | 0.15× | 3.14× | ||
| Q2 25 | — | 0.70× | ||
| Q1 25 | — | 0.70× | ||
| Q4 24 | — | 0.01× | ||
| Q3 24 | — | 2.41× | ||
| Q2 24 | — | 2.66× | ||
| Q1 24 | 0.15× | 1.04× |
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% |
XYZ
| US | $5.7B | 91% |
| Non Us | $560.9M | 9% |
