Circle Internet Group (CRCL) vs SoFi Technologies, Inc. (SOFI)
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 September 11, 2026. Differences are shown without an overall score or investment verdict.
CRCL
Circle Internet Group
$90.60Financial ServicesDelayed quote: Sep 11, 2026, 4:00 PM EDT
SOFI
SoFi Technologies, Inc.
$17.32Financial ServicesDelayed quote: Sep 11, 2026, 4:00 PM EDT
Total return — CRCL vs SOFI
growth of $100 · dividends reinvested · last 1yCRCL +200.0% (+200.0%/yr)SOFI +28.8% (+28.8%/yr)CRCL compounded faster over this window
CRCL SOFI
CRCL vs SOFI: by the numbers
- •CRCL is the larger company ($24.22B vs $22.22B market cap).
- •SOFI trades at the lower trailing earnings multiple (36.08 vs 48.19 P/E), one valuation lens rather than an overall verdict.
- •CRCL converts more revenue to profit (15.53% vs 11.40% net margin).
- •CRCL grew revenue faster over the past five years (181.89% vs 42.36% CAGR).
Metrics side by side
Valuation
| Metric | CRCL | SOFI |
|---|---|---|
| P/E ratio | 48.19 | 36.08 |
| Forward P/E | 86.29 | 29.34 |
| P/S ratio | 8.33 | 3.98 |
| P/B ratio | 6.90 | 2.01 |
Profitability
| Metric | CRCL | SOFI |
|---|---|---|
| Gross margin | 8.67% | 76.46% |
| Operating margin | -3.32% | 13.22% |
| Net margin | 15.53% | 11.40% |
| ROE | 12.86% | 5.74% |
Growth (annualized)
| Metric | CRCL | SOFI |
|---|---|---|
| Revenue CAGR (5Y) | 181.89% | 42.36% |
| Total return CAGR (5Y) | N/A | 2.01% |
Frequently asked
- Which has the lower trailing P/E, CRCL or SOFI?
- SOFI has the lower trailing P/E: CRCL trades at 48.19 and SOFI at 36.08. P/E is one valuation measure and does not by itself establish which business is cheaper.
- 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 42.36%.
- Is CRCL or SOFI more profitable?
- CRCL runs the higher net margin — CRCL at 15.53% versus SOFI at 11.40%.
Go deeper
Dig into the metrics
Circle Internet P/E ratioSoFi Technologies P/E ratioCircle Internet ROESoFi Technologies ROECircle Internet operating marginSoFi Technologies operating marginCircle Internet revenue growthSoFi Technologies revenue growth
Circle Internet & SoFi Technologies appear in these rankings
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 September 11, 2026.