Seek Returns

CRCL vs. SOFI: Circle Internet vs. SoFi Stock Comparison

How do Circle Internet (CRCL) and SoFi (SOFI) 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 SoFi (SOFI) belongs to Financials (Financial Services) — their GICS classifications point to very different parts of the market.

Company profile comparison for Circle Internet (CRCL) and SoFi (SOFI)
Profile ItemCRCLSOFI
NameCircle Internet Group, Inc. Class ASoFi Technologies, Inc.
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyFinancials
GICS Industry GroupSoftware & ServicesFinancial Services
GICS IndustrySoftwareConsumer Finance
GICS Sub-IndustryApplication SoftwareConsumer Finance
Market Capitalization17.41 billion USD21.04 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateJune 5, 2025January 4, 2021
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CRCL
SOFI
GSPC
Loading price history…
Circle Internet (CRCL) vs. SoFi (SOFI), 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 SoFi (SOFI). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Circle Internet (CRCL) and SoFi (SOFI)
MetricCRCLSOFI
Total Return (1Y)-33.88%-40.42%
Total Return (3Y, Annualized)--34.88%
Total Return (5Y, Annualized)---5.36%

Risk Profile

Drawdown History

CRCL
SOFI
GSPC
Loading price history…
Circle Internet (CRCL) vs. SoFi (SOFI), 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 SoFi (SOFI). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

SoFi (SOFI) carries a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, whereas Circle Internet (CRCL) is closer to market-like at 0.84 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for Circle Internet (CRCL) and SoFi (SOFI)
MetricCRCLSOFI
Volatility (1Y, Annualized)96.01%55.56%
Beta (5Y)0.842.22
Max Drawdown (5Y)-80.93%-81.28%
Avg. Volume (3M)12.74M48.09M

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
CRCL and SOFI 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 SoFi (SOFI)
MetricCRCLSOFI
Sharpe Ratio (1Y)-0.40-0.80
Sortino Ratio (1Y)-0.61-1.09

Profitability

ROE (TTM)

Both Circle Internet (CRCL) at 13.44% and SoFi (SOFI) at 7.35% 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%

SOFI

Financial Services industry group

7.35%

Max
44.78%
Q3
21.85%
Median
12.91%
SOFI
7.35%
Q1
4.48%
Min
-18.71%
Loading chart…
Circle Internet (CRCL) vs. SoFi (SOFI): A comparison of their ROE against their respective Software & Services and Financial Services industry group benchmarks.

Net Margin (TTM)

Both Circle Internet (CRCL) at 15.28% and SoFi (SOFI) at 15.75% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

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%

SOFI

Financial Services industry group

15.75%

Max
62.84%
Q3
28.05%
SOFI
15.75%
Median
15.36%
Q1
4.82%
Min
-28.52%
Loading chart…
Circle Internet (CRCL) vs. SoFi (SOFI): 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% operates in the top operating margin quartile, ahead of SoFi (SOFI) at 23.19%, which runs around its industry’s norm.

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%

SOFI

Financial Services industry group

23.19%

Max
107.33%
Q3
55.90%
Median
30.09%
SOFI
23.19%
Q1
14.60%
Min
-44.34%
Loading chart…
Circle Internet (CRCL) vs. SoFi (SOFI): 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 SoFi (SOFI)
MetricCRCLSOFI
ROE (TTM)13.44%7.35%
ROA (TTM)0.28%1.31%
Net Margin (TTM)15.28%15.75%
Operating Margin (TTM)24.09%23.19%
Gross Margin (TTM)26.58%--

Growth

Revenue Growth

Both companies are growing quickly, but Circle Internet (CRCL) at 63.86% is the standout with revenue growth above its industry range; SoFi (SOFI) at 38.32% also sits in the top quartile.

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

EPS Growth

SoFi (SOFI) at 0.00% 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. SoFi (SOFI): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Circle Internet (CRCL) and SoFi (SOFI)
MetricCRCLSOFI
Revenue Growth (YoY)63.86%38.32%
Revenue Growth (3Y CAGR)52.66%31.93%
EPS Growth (YoY)-640.54%0.00%
EPS Growth (3Y CAGR)----

Financial Strength

Current Ratio (MRQ)

Circle Internet (CRCL) shows current ratio of 1.04; SoFi (SOFI) 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

SOFI

Financial Services industry group

--

SOFI
--
Max
--
Q3
--
Median
--
Q1
--
Min
--
Loading chart…
Circle Internet (CRCL) vs. SoFi (SOFI): SOFI’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 SoFi (SOFI) 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

SOFI

Financial Services industry group

--

SOFI
--
Max
--
Q3
--
Median
--
Q1
--
Min
--
Loading chart…
Circle Internet (CRCL) vs. SoFi (SOFI): SOFI’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 SoFi (SOFI)
MetricCRCLSOFI
Current Ratio (MRQ)1.04--
Debt / Equity (MRQ)0.00--
Net Debt / EBITDA-4.68--

Dividends

Dividend Yield (TTM)

Neither Circle Internet (CRCL) nor SoFi (SOFI) 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%

SOFI

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
SOFI
0.00%
Q1
0.00%
Min
0.00%
Loading chart…
Circle Internet (CRCL) vs. SoFi (SOFI): 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 SoFi (SOFI) 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%

SOFI

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
SOFI
0.00%
Q1
0.00%
Min
0.00%
Loading chart…
Circle Internet (CRCL) vs. SoFi (SOFI): 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 SoFi (SOFI)
MetricCRCLSOFI
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

P/E Ratio (TTM)

Circle Internet (CRCL) at 40.89 is near its industry’s usual P/E ratio, while SoFi (SOFI) at 29.47 sits in the richer quartile — SOFI needs stronger growth or earnings quality to justify the premium.

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

SOFI

Financial Services industry group

29.47

Max
45.85
SOFI
29.47
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
Loading chart…
Circle Internet (CRCL) vs. SoFi (SOFI): A comparison of their P/E ratio against their respective Software & Services and Financial Services industry group benchmarks.

P/S Ratio (TTM)

On P/S ratio, both Circle Internet (CRCL) at 5.75 and SoFi (SOFI) at 4.49 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

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

SOFI

Financial Services industry group

4.49

Max
9.23
Q3
4.57
SOFI
4.49
Median
2.72
Q1
1.28
Min
-0.55
Loading chart…
Circle Internet (CRCL) vs. SoFi (SOFI): 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 SoFi (SOFI) at 1.86 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

SOFI

Financial Services industry group

1.86

Max
7.79
Q3
3.63
SOFI
1.86
Median
1.57
Q1
0.81
Min
-0.39
Loading chart…
Circle Internet (CRCL) vs. SoFi (SOFI): 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 SoFi (SOFI)
MetricCRCLSOFI
P/E Ratio (TTM)40.8929.47
P/S Ratio (TTM)5.754.49
P/B Ratio (MRQ)4.501.86
Free Cash Flow Yield (TTM)1.43%--