Seek Returns

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.

Company profile comparison for Circle Internet (CRCL) and eToro (ETOR)
Profile ItemCRCLETOR
NameCircle Internet Group, Inc. Class AeToro Group Ltd.
Country/RegionUnited StatesIsrael
GICS SectorInformation TechnologyFinancials
GICS Industry GroupSoftware & ServicesFinancial Services
GICS IndustrySoftwareCapital Markets
GICS Sub-IndustryApplication SoftwareInvestment Banking & Brokerage
Market Capitalization17.41 billion USD1.83 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateJune 5, 2025May 13, 2025
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CRCL
ETOR
GSPC
Loading price history…
Circle Internet (CRCL) vs. eToro (ETOR), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…
Trailing total returns for Circle Internet (CRCL) and eToro (ETOR). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Circle Internet (CRCL) and eToro (ETOR). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Circle Internet (CRCL) and eToro (ETOR)
MetricCRCLETOR
Total Return (1Y)-33.88%-33.17%
Total Return (3Y, Annualized)----
Total Return (5Y, Annualized)----

Risk Profile

Drawdown History

CRCL
ETOR
GSPC
Loading price history…
Circle Internet (CRCL) vs. eToro (ETOR), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…
Distribution of monthly total returns for Circle Internet (CRCL) and eToro (ETOR). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Circle Internet (CRCL) and eToro (ETOR)
MetricCRCLETOR
Volatility (1Y, Annualized)96.01%50.45%
Beta (5Y)0.841.52
Max Drawdown (5Y)-80.93%-70.37%
Avg. Volume (3M)12.74M1.22M

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
CRCL and ETOR are plotted by 1-year volatility (risk) and 1-year return. Each dashed Capital Allocation Line uses that stock's own industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Circle Internet (CRCL) and eToro (ETOR)
MetricCRCLETOR
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%
Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): A comparison of their ROE against their respective Software & Services and Financial Services industry group benchmarks.

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%
Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): A comparison of their net margin against their respective Software & Services and Financial Services industry group benchmarks.

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%
Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): A comparison of their operating margin against their respective Software & Services and Financial Services industry group benchmarks.

Profitability Metrics

Profitability metrics for Circle Internet (CRCL) and eToro (ETOR)
MetricCRCLETOR
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.

Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): A comparison of their Revenue Growth across different time periods.

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.

Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Circle Internet (CRCL) and eToro (ETOR)
MetricCRCLETOR
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
--
Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): ETOR’s current ratio is not assessed under the Financial Services industry convention, so the chart shows available visual context for CRCL only.

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
--
Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): ETOR’s debt-to-equity ratio is not assessed under the Financial Services industry convention, so the chart shows available visual context for CRCL only.

Financial Strength Metrics

Financial strength metrics for Circle Internet (CRCL) and eToro (ETOR)
MetricCRCLETOR
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%
Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): A comparison of their dividend yield against their respective Software & Services and Financial Services industry group benchmarks.

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%
Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): A comparison of their payout ratio against their respective Software & Services and Financial Services industry group benchmarks.

Dividend Metrics

Dividend metrics for Circle Internet (CRCL) and eToro (ETOR)
MetricCRCLETOR
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
Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): A comparison of their P/E ratio against their respective Software & Services and Financial Services industry group benchmarks.

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
Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): A comparison of their P/S ratio against their respective Software & Services and Financial Services industry group benchmarks.

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
Loading chart…
Circle Internet (CRCL) vs. eToro (ETOR): A comparison of their P/B ratio against their respective Software & Services and Financial Services industry group benchmarks.

Valuation Metrics

Valuation metrics for Circle Internet (CRCL) and eToro (ETOR)
MetricCRCLETOR
P/E Ratio (TTM)40.898.48
P/S Ratio (TTM)5.750.15
P/B Ratio (MRQ)4.501.38
Free Cash Flow Yield (TTM)1.43%--