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 July 29, 2026. Differences are shown without an overall score or investment verdict.
CRCL
Circle Internet Group
$61.36Financial ServicesDelayed quote: Jul 29, 2026, 4:00 PM EDT
SOFI
SoFi Technologies, Inc.
$15.25Financial ServicesDelayed quote: Jul 29, 2026, 4:00 PM EDT
Total return — CRCL vs SOFI
growth of $100 · dividends reinvested · last 1yCRCL +107.5%SOFI +24.4%CRCL compounded faster
CRCL SOFI
CRCL vs SOFI: by the numbers
- •SOFI is the larger company ($19.56B vs $16.40B market cap).
- •SOFI is profitable (16.80% net margin) while CRCL runs a net loss (-2.76%).
- •CRCL grew revenue faster over the past five years (181.89% vs 37.80% CAGR).
Metrics side by side
Valuation
| Metric | CRCL | SOFI |
|---|---|---|
| P/E ratio | N/A | 37.83 |
| Forward P/E | 74.79 | 28.05 |
| P/S ratio | 5.45 | 4.49 |
| P/B ratio | 4.55 | 2.13 |
Profitability
| Metric | CRCL | SOFI |
|---|---|---|
| Gross margin | 7.17% | 81.35% |
| Operating margin | -4.65% | 14.76% |
| Net margin | -2.76% | 16.80% |
| ROE | -2.31% | 7.20% |
| ROIC | -1.80% | 3.79% |
Growth (annualized)
| Metric | CRCL | SOFI |
|---|---|---|
| Revenue CAGR (5Y) | 181.89% | 37.80% |
| Total return CAGR (5Y) | N/A | 1.72% |
Frequently asked
- 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 37.80%.
- Is CRCL or SOFI more profitable?
- SOFI runs the higher net margin — CRCL at -2.76% versus SOFI at 16.80%.
Go deeper
Dig into the metrics
Circle Internet P/E ratioSoFi Technologies P/E ratioCircle Internet dividend yieldSoFi Technologies dividend yieldCircle Internet ROESoFi Technologies ROECircle Internet operating marginSoFi Technologies operating marginCircle Internet revenue growthSoFi Technologies revenue growthCircle Internet free cash flowSoFi Technologies free cash flow
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 July 29, 2026.