Affirm (AFRM) vs Circle Internet Group (CRCL)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Affirm (AFRM) has outperformed Circle Internet Group (CRCL) over the past year, losing 1.7% versus a loss of 45.6%. Affirm is the larger company by market cap ($25.41 billion vs $20.52 billion), about 1.2 times the size, while Circle Internet Group is growing revenue faster (+63.9% vs +32.2%). On valuation, Affirm trades at a lower forward P/E (15.6x vs 57.2x for Circle Internet Group).
Affirm converts more of its revenue into profit, with a net margin of 45.3% versus -2.5%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AFRM | CRCL |
|---|---|---|
| Share price | $75.31 | $80.84 |
| Market cap | $25.41B | $20.52B |
| 1-day change | +0.57% | -3.91% |
| YTD return | +1.18% | +1.94% |
| 1-year return | -1.75% | -45.64% |
| 5-year return | -48.67% | — |
| P/E ratio (TTM) | 13.62 | 55.37 |
| Forward P/E | 15.60 | 57.25 |
| EPS (TTM) | $5.53 | $1.46 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $4.26B | $2.75B |
| Revenue growth (YoY) | +32.15% | +63.86% |
| Net income (latest FY) | $1.93B | $-69.51M |
| Operating margin | 9.79% | -3.51% |
| Net margin | 45.29% | -2.53% |
| 52-week high | $90.44 | $159.47 |
| 52-week low | $42.10 | $49.90 |
| Distance from 52-week high | -16.73% | -49.31% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.01% | +30.58% |
| Average volume | 4.20M | 13.75M |
| Shares outstanding | 296.88M | 234.69M |
| Employees | 2,358 | 1,100 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- AFRM has outperformed CRCL by 43.9 percentage points over the past year.
- Circle Internet Group trades at a higher earnings multiple (55.4x vs 13.6x trailing P/E).
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus -2.5 cents for Circle Internet Group.
- Circle Internet Group grew revenue faster in its latest fiscal year (+63.86% vs +32.15%).
About Affirm
AFRM stock →Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally.
Finance · Finance: Consumer Services · 2,358 employees
About Circle Internet Group
CRCL stock →Circle Internet Group, Inc. operates as a platform, network, and market infrastructure for stablecoin and blockchain applications.
Finance · Finance: Consumer Services · 1,100 employees
AFRM vs CRCL FAQ
Which is bigger, Affirm or Circle Internet Group?
Affirm (AFRM) is larger, with a market capitalization of $25.41B compared with $20.52B for Circle Internet Group (CRCL).
Which stock has performed better over the past year, AFRM or CRCL?
AFRM returned -1.75% over the past 12 months, compared with -45.64% for CRCL (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or CRCL?
AFRM has the lower trailing P/E at 13.6, versus 55.4 for CRCL. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Affirm and Circle Internet Group in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.