Circle Internet Group (CRCL) vs SoFi Technologies (SOFI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
SoFi Technologies (SOFI) has outperformed Circle Internet Group (CRCL) over the past year, losing 44.3% versus a loss of 45.6%. Circle Internet Group is the larger company by market cap ($20.52 billion vs $20.23 billion), about 1.0 times the size. On valuation, SoFi Technologies trades at a lower forward P/E (19.0x vs 57.2x for Circle Internet Group).
SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% 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 | CRCL | SOFI |
|---|---|---|
| Share price | $80.84 | $15.66 |
| Market cap | $20.52B | $20.23B |
| 1-day change | -3.91% | -0.63% |
| YTD return | +1.94% | -40.18% |
| 1-year return | -45.64% | -44.35% |
| 5-year return | — | -19.20% |
| P/E ratio (TTM) | 55.37 | 31.96 |
| Forward P/E | 57.25 | 19.03 |
| EPS (TTM) | $1.46 | $0.49 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $2.75B | $619.35M |
| Revenue growth (YoY) | +63.86% | +23.10% |
| Net income (latest FY) | $-69.51M | $481.32M |
| Gross margin | — | 1.67% |
| Operating margin | -3.51% | — |
| Net margin | -2.53% | 77.71% |
| 52-week high | $159.47 | $32.73 |
| 52-week low | $49.90 | $14.88 |
| Distance from 52-week high | -49.31% | -52.15% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +30.58% | +29.82% |
| Average volume | 13.75M | 56.74M |
| Shares outstanding | 234.69M | 1.29B |
| Employees | 1,100 | 6,100 |
| 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
- Circle Internet Group trades at a higher earnings multiple (55.4x vs 32.0x trailing P/E).
- SoFi Technologies is more profitable, keeping 77.7 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 +23.10%).
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
About SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
CRCL vs SOFI FAQ
Which is bigger, Circle Internet Group or SoFi Technologies?
Circle Internet Group (CRCL) is larger, with a market capitalization of $20.52B compared with $20.23B for SoFi Technologies (SOFI).
Which stock has performed better over the past year, CRCL or SOFI?
SOFI returned -44.35% 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, CRCL or SOFI?
SOFI has the lower trailing P/E at 32.0, 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 Circle Internet Group and SoFi Technologies in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.