Circle Internet Group (CRCL) vs Synchrony Financial (SYF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Synchrony Financial (SYF) has outperformed Circle Internet Group (CRCL) over the past year, gaining 1.5% versus a loss of 45.6%. Synchrony Financial is the larger company by market cap ($23.99 billion vs $20.52 billion), about 1.2 times the size, while Circle Internet Group is growing revenue faster (+63.9% vs -2.8%). On valuation, Synchrony Financial trades at a lower forward P/E (7.0x vs 57.2x for Circle Internet Group).
Synchrony Financial pays a dividend yielding 1.63%, while Circle Internet Group does not currently pay one. Synchrony Financial converts more of its revenue into profit, with a net margin of 18.7% 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 | SYF |
|---|---|---|
| Share price | $80.84 | $73.72 |
| Market cap | $20.52B | $23.99B |
| 1-day change | 0.00% | +2.49% |
| YTD return | +1.94% | -13.78% |
| 1-year return | -45.64% | +1.45% |
| 5-year return | — | +43.34% |
| P/E ratio (TTM) | 55.37 | 7.55 |
| Forward P/E | 57.25 | 7.05 |
| EPS (TTM) | $1.46 | $9.77 |
| Dividend yield | 0.00% | 1.63% |
| Annual dividend | $0.00 | $1.20 |
| Revenue (latest FY) | $2.75B | $18.99B |
| Revenue growth (YoY) | +63.86% | -2.80% |
| Net income (latest FY) | $-69.51M | $3.55B |
| Operating margin | -3.51% | — |
| Net margin | -2.53% | 18.71% |
| 52-week high | $159.47 | $88.77 |
| 52-week low | $49.90 | $63.08 |
| Distance from 52-week high | -49.31% | -16.95% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +30.58% | +20.02% |
| Average volume | 13.75M | 3.28M |
| Shares outstanding | 234.69M | 325.37M |
| Employees | 1,100 | 20,000 |
| 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
- SYF has outperformed CRCL by 47.1 percentage points over the past year.
- Circle Internet Group trades at a higher earnings multiple (55.4x vs 7.5x trailing P/E).
- Synchrony Financial offers a meaningfully higher dividend yield (1.63% vs 0.00%).
- Synchrony Financial is more profitable, keeping 18.7 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 -2.80%).
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 Synchrony Financial
SYF stock →Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
Finance · Finance: Consumer Services · 20,000 employees
CRCL vs SYF FAQ
Which is bigger, Circle Internet Group or Synchrony Financial?
Synchrony Financial (SYF) is larger, with a market capitalization of $23.99B compared with $20.52B for Circle Internet Group (CRCL).
Which stock has performed better over the past year, CRCL or SYF?
SYF returned +1.45% 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 SYF?
SYF has the lower trailing P/E at 7.5, 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.
Which pays a higher dividend, Circle Internet Group or Synchrony Financial?
Synchrony Financial pays a dividend yielding 1.63%, while Circle Internet Group does not currently pay a regular dividend.
Are Circle Internet Group and Synchrony Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.