CRCL vs. ETOR: Circle Internet vs. eToro Stock Comparison
How do Circle Internet (CRCL) and eToro (ETOR) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Circle Internet (CRCL) is classified in the Information Technology sector (Software & Services), whereas eToro (ETOR) belongs to Financials (Financial Services) — their GICS classifications point to very different parts of the market.
Circle Internet (CRCL) is a large-cap at 17.41 billion USD, while eToro (ETOR) is small-cap at 1.83 billion USD — a noticeable scale difference that may affect liquidity, analyst coverage, and risk profile.
| Profile Item | CRCL | ETOR |
|---|---|---|
| Name | Circle Internet Group, Inc. Class A | eToro Group Ltd. |
| Country/Region | United States | Israel |
| GICS Sector | Information Technology | Financials |
| GICS Industry Group | Software & Services | Financial Services |
| GICS Industry | Software | Capital Markets |
| GICS Sub-Industry | Application Software | Investment Banking & Brokerage |
| Market Capitalization | 17.41 billion USD | 1.83 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | June 5, 2025 | May 13, 2025 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CRCL | ETOR |
|---|---|---|
| Total Return (1Y) | -33.88% | -33.17% |
| Total Return (3Y, Annualized) | -- | -- |
| Total Return (5Y, Annualized) | -- | -- |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CRCL | ETOR |
|---|---|---|
| Volatility (1Y, Annualized) | 96.01% | 50.45% |
| Beta (5Y) | 0.84 | 1.52 |
| Max Drawdown (5Y) | -80.93% | -70.37% |
| Avg. Volume (3M) | 12.74M | 1.22M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CRCL | ETOR |
|---|---|---|
| Sharpe Ratio (1Y) | -0.40 | -0.74 |
| Sortino Ratio (1Y) | -0.61 | -1.13 |
Profitability
ROE (TTM)
Both Circle Internet (CRCL) at 13.44% and eToro (ETOR) at 19.50% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
CRCL
Software & Services industry group
13.44%
- Max
- 53.85%
- Q3
- 17.90%
- CRCL
- 13.44%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
ETOR
Financial Services industry group
19.50%
- Max
- 44.78%
- Q3
- 21.85%
- ETOR
- 19.50%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Circle Internet (CRCL) at 15.28% keeps about the industry-typical share of revenue as profit, while eToro (ETOR) at 2.18% retains only a bottom-quartile share.
CRCL
Software & Services industry group
15.28%
- Max
- 41.17%
- CRCL
- 15.28%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
ETOR
Financial Services industry group
2.18%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- ETOR
- 2.18%
- Min
- -28.52%
Operating Margin (TTM)
Circle Internet (CRCL) at 24.09% carries a top-quartile operating margin, while eToro (ETOR) at 4.02% operates in the bottom quartile.
CRCL
Software & Services industry group
24.09%
- Max
- 46.89%
- CRCL
- 24.09%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
ETOR
Financial Services industry group
4.02%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- ETOR
- 4.02%
- Min
- -44.34%
Profitability Metrics
| Metric | CRCL | ETOR |
|---|---|---|
| ROE (TTM) | 13.44% | 19.50% |
| ROA (TTM) | 0.28% | 14.66% |
| Net Margin (TTM) | 15.28% | 2.18% |
| Operating Margin (TTM) | 24.09% | 4.02% |
| Gross Margin (TTM) | 26.58% | -- |
Growth
Revenue Growth
Circle Internet (CRCL) at 63.86% clears its industry range for revenue growth, far stronger top-line momentum than eToro (ETOR) at 9.38%, which is closer to a typical peer reading.
EPS Growth
eToro (ETOR) at -3.34% is around its peer norm for EPS growth, while Circle Internet (CRCL) at -640.54% falls below its industry range, a notably weak earnings reading.
Growth Metrics
| Metric | CRCL | ETOR |
|---|---|---|
| Revenue Growth (YoY) | 63.86% | 9.38% |
| Revenue Growth (3Y CAGR) | 52.66% | 29.68% |
| EPS Growth (YoY) | -640.54% | -3.34% |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
Circle Internet (CRCL) shows current ratio of 1.04; eToro (ETOR) doesn’t get one — Financial Services balance sheets aren’t split into current and non-current buckets, so short-term liquidity there is judged through regulatory measures instead.
CRCL
Software & Services industry group
1.04
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- CRCL
- 1.04
- Q1
- 1.01
- Min
- 0.03
ETOR
Financial Services industry group
--
- ETOR
- --
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
Debt / Equity (MRQ)
Circle Internet (CRCL) shows debt-to-equity ratio of 0.00; for eToro (ETOR) the ratio is set aside — in Financial Services, balance-sheet leverage is part of the business model itself, so capital-adequacy measures do the job this ratio does elsewhere.
CRCL
Software & Services industry group
0.00
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- Q1
- 0.07
- CRCL
- 0.00
- Min
- 0.00
ETOR
Financial Services industry group
--
- ETOR
- --
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
Financial Strength Metrics
| Metric | CRCL | ETOR |
|---|---|---|
| Current Ratio (MRQ) | 1.04 | -- |
| Debt / Equity (MRQ) | 0.00 | -- |
| Net Debt / EBITDA | -4.68 | -- |
Dividends
Dividend Yield (TTM)
Neither Circle Internet (CRCL) nor eToro (ETOR) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
CRCL
Software & Services industry group
0.00%
- CRCL
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ETOR
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- ETOR
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither Circle Internet (CRCL) nor eToro (ETOR) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
CRCL
Software & Services industry group
0.00%
- CRCL
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ETOR
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- ETOR
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CRCL | ETOR |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
eToro (ETOR) at 8.48 sits in the cheaper P/E ratio quartile, while Circle Internet (CRCL) at 40.89 is closer to its industry’s usual earnings multiple — a discount for ETOR, though growth and earnings durability still matter.
CRCL
Software & Services industry group
40.89
- Max
- 112.94
- Q3
- 60.32
- CRCL
- 40.89
- Median
- 32.91
- Q1
- 18.77
- Min
- 6.69
ETOR
Financial Services industry group
8.48
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- ETOR
- 8.48
- Min
- 0.16
P/S Ratio (TTM)
eToro (ETOR) at 0.15 sits in the cheaper P/S ratio quartile while Circle Internet (CRCL) at 5.75 prices around its industry’s middle — ETOR costs less per dollar of sales, though read it alongside growth and margins.
CRCL
Software & Services industry group
5.75
- Max
- 17.91
- Q3
- 8.78
- CRCL
- 5.75
- Median
- 4.25
- Q1
- 2.23
- Min
- 0.02
ETOR
Financial Services industry group
0.15
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- ETOR
- 0.15
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Circle Internet (CRCL) at 4.50 and eToro (ETOR) at 1.38 are valued close to their industries’ norm against book — neither stands out from peers.
CRCL
Software & Services industry group
4.50
- Max
- 16.63
- Q3
- 8.50
- CRCL
- 4.50
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
ETOR
Financial Services industry group
1.38
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- ETOR
- 1.38
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | CRCL | ETOR |
|---|---|---|
| P/E Ratio (TTM) | 40.89 | 8.48 |
| P/S Ratio (TTM) | 5.75 | 0.15 |
| P/B Ratio (MRQ) | 4.50 | 1.38 |
| Free Cash Flow Yield (TTM) | 1.43% | -- |