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 10.42%.

Does CRCL or SYF pay a bigger dividend?

SYF pays a dividend (1.59% yield) while CRCL does not currently pay one.

Is CRCL or SYF more profitable?

SYF runs the higher net margin — CRCL at -2.76% versus SYF at 18.08%.

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

SYF leads on 8 of 9 compared metrics.

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 June 17, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

CRCL

Circle Internet Group

$21.48B

$79.72Financial Services

SYF

Synchrony Financial

$25.33B

$75.29Financial Services

Total return — CRCL vs SYF

growth of $100 · last 1y

CRCL +157.2%SYF +30.1%CRCL compounded faster

CRCL SYF

CRCL vs SYF: by the numbers

•SYF is the larger company ($25.33B vs $21.48B market cap).
•SYF is profitable (18.08% net margin) while CRCL runs a net loss (-2.76%).
•CRCL grew revenue faster over the past five years (181.89% vs 10.42% CAGR).
•SYF pays a dividend (1.59% yield) while CRCL does not currently pay one.

Which is better, CRCL or SYF?

Metric tally: CRCL 1 · SYF 8

It depends on what you're optimizing for:

GrowthCRCL(faster 5Y revenue CAGR)

QualitySYF(higher ROIC)

Metrics side by side

Valuation

Metric	CRCL	SYF
P/E ratio	—	7.79
Forward P/E	45.24	8.10●
P/S ratio	6.75	1.31●
P/B ratio	5.63	1.58●
PEG ratio	—	1.02

Profitability

Metric	CRCL	SYF
Gross margin	7.17%	61.08%●
Operating margin	-4.65%	22.85%●
Net margin	-2.76%	18.08%●
ROE	-2.31%	21.85%●
ROIC	-1.80%	9.36%●

Dividends

Metric	CRCL	SYF
Dividend yield	—	1.59%
Payout ratio	—	12.83%

Growth (annualized)

Metric	CRCL	SYF
Revenue CAGR (5Y)	181.89%●	10.42%
EPS CAGR (5Y)	—	32.61%
Total return CAGR (5Y)	—	11.20%

Frequently asked

Which is better, CRCL or SYF?: It depends on your goal. growth: CRCL (faster 5Y revenue CAGR); quality: SYF (higher ROIC). Across all compared metrics, SYF leads 8 to 1.
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 10.42%.
Does CRCL or SYF pay a bigger dividend?: SYF pays a dividend (1.59% yield) while CRCL does not currently pay one.
Is CRCL or SYF more profitable?: SYF runs the higher net margin — CRCL at -2.76% versus SYF at 18.08%.

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 Circle Internet dividend yield 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 free cash flow Synchrony Financial free cash flow

Circle Internet & Synchrony Financial appear in these rankings

Fastest Revenue Growth Stocks Highest FCF Yield Stocks Best 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 June 17, 2026.