Which has grown faster, CRCL or SOFI?

Over the past five years, CRCL grew revenue faster — CRCL at a 181.89% CAGR versus SOFI at 43.20%.

Is CRCL or SOFI more profitable?

SOFI runs the higher net margin — CRCL at -2.76% versus SOFI at 11.22%.

Circle Internet Group (CRCL) vs SoFi Technologies, Inc. (SOFI)

SOFI leads on 8 of 9 compared metrics.

A side-by-side comparison of Circle Internet Group and SoFi Technologies, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 15, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

CRCL

Circle Internet Group

$20.81B

$77.84Financial Services

SOFI

SoFi Technologies, Inc.

$21.27B

$16.58Financial Services

Total return — CRCL vs SOFI

growth of $100 · last 1y

CRCL +151.1%SOFI +23.2%CRCL compounded faster

CRCL SOFI

CRCL vs SOFI: by the numbers

•SOFI is the larger company ($21.27B vs $20.81B market cap).
•SOFI is profitable (11.22% net margin) while CRCL runs a net loss (-2.76%).
•CRCL grew revenue faster over the past five years (181.89% vs 43.20% CAGR).

Which is better, CRCL or SOFI?

Metric tally: CRCL 1 · SOFI 8

It depends on what you're optimizing for:

GrowthCRCL(faster 5Y revenue CAGR)

QualitySOFI(higher ROIC)

Metrics side by side

Valuation

Metric	CRCL	SOFI
P/E ratio	—	37.47
Forward P/E	44.18	27.78●
P/S ratio	6.59	4.44●
P/B ratio	5.50	2.11●

Profitability

Metric	CRCL	SOFI
Gross margin	7.17%	76.02%●
Operating margin	-4.65%	12.56%●
Net margin	-2.76%	11.22%●
ROE	-2.31%	5.34%●
ROIC	-1.80%	0.95%●

Growth (annualized)

Metric	CRCL	SOFI
Revenue CAGR (5Y)	181.89%●	43.20%
EPS CAGR (5Y)	—	-15.53%
Total return CAGR (5Y)	—	-5.84%

Frequently asked

Which is better, CRCL or SOFI?: It depends on your goal. growth: CRCL (faster 5Y revenue CAGR); quality: SOFI (higher ROIC). Across all compared metrics, SOFI leads 8 to 1.
Which has grown faster, CRCL or SOFI?: Over the past five years, CRCL grew revenue faster — CRCL at a 181.89% CAGR versus SOFI at 43.20%.
Is CRCL or SOFI more profitable?: SOFI runs the higher net margin — CRCL at -2.76% versus SOFI at 11.22%.

Go deeper

Full CRCL analysis Full SOFI analysis Interactive comparison tool

Dig into the metrics

Circle Internet P/E ratio SoFi Technologies P/E ratio Circle Internet dividend yield SoFi Technologies dividend yield Circle Internet ROE SoFi Technologies ROE Circle Internet operating margin SoFi Technologies operating margin Circle Internet revenue growth SoFi Technologies revenue growth Circle Internet free cash flow SoFi Technologies free cash flow

Circle Internet & SoFi Technologies appear in these rankings

Fastest Revenue Growth 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 June 15, 2026.