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

SYF has the lower trailing P/E: CRCL trades at 46.80 and SYF at 8.14. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CRCL or SYF?

Over the past five years, CRCL grew revenue faster — CRCL at a 181.89% CAGR versus SYF at 11.32%.

Does CRCL or SYF pay a bigger dividend?

SYF pays a dividend (1.56% yield), while CRCL has no payments in the available dividend history.

Is CRCL or SYF more profitable?

SYF runs the higher net margin — CRCL at 15.53% versus SYF at 17.68%.

Circle Internet Group (CRCL) vs Synchrony Financial (SYF)

A side-by-side comparison of Circle Internet Group and Synchrony Financial across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of August 23, 2026. Differences are shown without an overall score or investment verdict.

CRCL

Circle Internet Group

$23.52B

$87.98Financial ServicesAt close: Aug 21, 2026, 4:00 PM ET

SYF

Synchrony Financial

$25.86B

$79.47Financial ServicesAt close: Aug 21, 2026, 4:00 PM ET

Total return — CRCL vs SYF

growth of $100 · dividends reinvested · last 1y

CRCL +183.8% (+183.8%/yr)SYF +40.7% (+40.7%/yr)CRCL compounded faster over this window

CRCL SYF

CRCL vs SYF: by the numbers

•SYF is the larger company ($25.86B vs $23.52B market cap).
•SYF trades at the lower trailing earnings multiple (8.14 vs 46.80 P/E), one valuation lens rather than an overall verdict.
•SYF converts more revenue to profit (17.68% vs 15.53% net margin).
•CRCL grew revenue faster over the past five years (181.89% vs 11.32% CAGR).
•SYF pays a dividend (1.56% yield), while CRCL has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	CRCL	SYF
P/E ratio	46.80	8.14
Forward P/E	84.60	8.50
P/S ratio	8.13	1.33
P/B ratio	6.74	1.57

Profitability

Metric	CRCL	SYF
Gross margin	8.67%	51.04%
Operating margin	-3.32%	23.57%
Net margin	15.53%	17.68%
ROE	12.86%	20.82%

Dividends

Metric	CRCL	SYF
Dividend yield	N/A	1.56%
Payout ratio	N/A	13.26%

Growth (annualized)

Metric	CRCL	SYF
Revenue CAGR (5Y)	181.89%	11.32%
EPS CAGR (5Y)	N/A	32.61%
Total return CAGR (5Y)	N/A	12.53%

Frequently asked

Which has the lower trailing P/E, CRCL or SYF?: SYF has the lower trailing P/E: CRCL trades at 46.80 and SYF at 8.14. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CRCL or SYF?: Over the past five years, CRCL grew revenue faster — CRCL at a 181.89% CAGR versus SYF at 11.32%.
Does CRCL or SYF pay a bigger dividend?: SYF pays a dividend (1.56% yield), while CRCL has no payments in the available dividend history.
Is CRCL or SYF more profitable?: SYF runs the higher net margin — CRCL at 15.53% versus SYF at 17.68%.

Go deeper

Full CRCL analysis Full SYF analysis Interactive comparison tool

Dig into the metrics

Circle Internet P/E ratio Synchrony Financial P/E ratio Synchrony Financial dividend yield Circle Internet ROE Synchrony Financial ROE Circle Internet operating margin Synchrony Financial operating margin Circle Internet revenue growth Synchrony Financial revenue growth

Circle Internet & Synchrony Financial appear in these rankings

Fastest Revenue Growth Stocks Highest FCF Yield Stocks Highest 10-Year Total Return 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 August 23, 2026.