CRCL vs. FICO: Circle Internet vs. Fair Isaac Stock Comparison

Company Profile

Circle Internet (CRCL) and Fair Isaac (FICO) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.

Fair Isaac (FICO) carries decades of public-market history since July 22, 1987, while Circle Internet (CRCL) listed on June 5, 2025 — long-window comparisons have far more historical data on the FICO side.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Circle Internet (CRCL) is heavily traded at around 12.74M shares per day, whereas Fair Isaac (FICO) sees a more moderate 759.34K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Capital efficiency shows on one side only: Circle Internet (CRCL) earns 13.44% on shareholders’ equity, ranked against its industry; Fair Isaac (FICO) has no ROE this period.

Fair Isaac (FICO) at 32.94% retains a top-quartile share of revenue as profit, ahead of Circle Internet (CRCL) at 15.28%, which keeps about the industry-typical share.

Both Circle Internet (CRCL) at 24.09% and Fair Isaac (FICO) at 44.72% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

Profitability Metrics

Growth

Both companies are growing quickly, but Circle Internet (CRCL) at 63.86% is the standout with revenue growth above its industry range; Fair Isaac (FICO) at 27.33% also sits in the top quartile.

Fair Isaac (FICO) at 36.85% 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

Financial Strength

Circle Internet (CRCL) at 1.04 keeps current ratio within its industry’s typical mid-range, while Fair Isaac (FICO) at 0.99 runs in the tighter-liquidity quartile — a thinner cushion against current liabilities for FICO.

Only one side’s leverage can be read here: Circle Internet (CRCL) carries debt-to-equity ratio of 0.00 against its industry range, while Fair Isaac (FICO) reports no figure this period.

Financial Strength Metrics

Dividends

Neither Circle Internet (CRCL) nor Fair Isaac (FICO) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Neither Circle Internet (CRCL) nor Fair Isaac (FICO) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Dividend Metrics

Valuation

Both Circle Internet (CRCL) at 40.89 and Fair Isaac (FICO) at 19.40 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

On P/S ratio, both Circle Internet (CRCL) at 5.75 and Fair Isaac (FICO) at 6.00 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Fair Isaac (FICO) reports a negative P/B ratio of -3.90, meaning negative book equity — the multiple itself is not meaningful for valuation. Meanwhile Circle Internet (CRCL) reports 4.50, ranking against industry peers normally.

Valuation Metrics