Which has the lower trailing P/E, CRCL or FCNCO?

FCNCO has the lower trailing P/E: CRCL trades at 44.75 and FCNCO at 0.10. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CRCL or FCNCO?

Over the past five years, CRCL grew revenue faster — CRCL at a 181.89% CAGR versus FCNCO at 49.49%.

Does CRCL or FCNCO pay a bigger dividend?

FCNCO pays a dividend (7.41% yield), while CRCL has no payments in the available dividend history.

Is CRCL or FCNCO more profitable?

FCNCO runs the higher net margin — CRCL at 15.53% versus FCNCO at 16.31%.

Circle Internet Group (CRCL) vs First Citizens BancShares, Inc. (FCNCO)

A side-by-side comparison of Circle Internet Group and First Citizens BancShares, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

CRCL

Circle Internet Group

$22.49B

$84.13Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

FCNCO

First Citizens BancShares, Inc.

$22.63B

$18.75Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — CRCL vs FCNCO

growth of $100 · dividends reinvested · last 1y

CRCL +168.7% (+168.7%/yr)FCNCO -3.9% (-3.9%/yr)CRCL compounded faster over this window

CRCL FCNCO

CRCL vs FCNCO: by the numbers

•FCNCO is the larger company ($22.63B vs $22.49B market cap).
•FCNCO trades at the lower trailing earnings multiple (0.10 vs 44.75 P/E), one valuation lens rather than an overall verdict.
•FCNCO converts more revenue to profit (16.31% vs 15.53% net margin).
•CRCL grew revenue faster over the past five years (181.89% vs 49.49% CAGR).
•FCNCO pays a dividend (7.41% yield), while CRCL has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	CRCL	FCNCO
P/E ratio	44.75	0.10
Forward P/E	77.90	N/A
PEG ratio	N/A	0.00
P/S ratio	7.74	1.57
P/B ratio	6.41	1.12

Profitability

Metric	CRCL	FCNCO
Gross margin	8.67%	N/A
Operating margin	-3.32%	21.88%
Net margin	15.53%	16.31%
ROE	12.86%	10.75%

First Citizens BancShares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	CRCL	FCNCO
Dividend yield	N/A	7.41%
Payout ratio	N/A	0.75%

Growth (annualized)

Metric	CRCL	FCNCO
Revenue CAGR (5Y)	181.89%	49.49%
EPS CAGR (5Y)	N/A	28.40%
Total return CAGR (5Y)	N/A	-0.42%

Frequently asked

Which has the lower trailing P/E, CRCL or FCNCO?: FCNCO has the lower trailing P/E: CRCL trades at 44.75 and FCNCO at 0.10. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CRCL or FCNCO?: Over the past five years, CRCL grew revenue faster — CRCL at a 181.89% CAGR versus FCNCO at 49.49%.
Does CRCL or FCNCO pay a bigger dividend?: FCNCO pays a dividend (7.41% yield), while CRCL has no payments in the available dividend history.
Is CRCL or FCNCO more profitable?: FCNCO runs the higher net margin — CRCL at 15.53% versus FCNCO at 16.31%.

Go deeper

Full CRCL analysis Full FCNCO analysis Interactive comparison tool

Dig into the metrics

Circle Internet P/E ratio First Citizens BancShares P/E ratio First Citizens BancShares dividend yield Circle Internet ROE First Citizens BancShares ROE Circle Internet operating margin First Citizens BancShares operating margin Circle Internet revenue growth First Citizens BancShares revenue growth

Circle Internet & First Citizens BancShares appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.