CIRCLE INTERNET GROUP, INC. vs PennyMac Financial Services, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where CRCL and PFSI diverge most: on debt / equity, CRCL reads 0.00 and PFSI reads 1.46; on return on assets, CRCL reads 0.6% and PFSI reads 1.3%. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | CRCL | PFSI |
|---|---|---|
| Price | $84.53 | $59.95 |
| Market cap | $22.7B | $3.1B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 8.2 |
| P/B | — | 0.72 |
| P/S | — | 1.41 |
| EV/EBITDA | — | 171.9 |
| Revenue growth | +30.8% | +26.6% |
| Operating margin | 4.9% | — |
| Net margin | 21.1% | 17.7% |
| Return on equity | 12.9% | 9.1% |
| Return on assets | 0.6% | 1.3% |
| Dividend yield | — | 2.0% |
| Debt / equity | 0.00 | 1.46 |
| Current ratio | 1.03 | — |
| Altman Z (solvency) | 0.23 | 0.35 |
| Piotroski F (quality) | 8 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.