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 net margin, CRCL reads -3.8% and PFSI reads 23.5%; on return on equity, CRCL reads -2.3% and PFSI reads 11.7%. 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 | $62.15 | $75.40 |
| Market cap | $16.6B | $3.9B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 8.0 |
| P/B | 4.83 | 0.91 |
| P/S | 7.92 | 1.81 |
| EV/EBITDA | 64.2 | 734.7 |
| Revenue growth | +46.3% | +26.0% |
| Operating margin | 6.5% | — |
| Net margin | -3.8% | 23.5% |
| Return on equity | -2.3% | 11.7% |
| Return on assets | -0.1% | 1.6% |
| Dividend yield | — | 1.6% |
| Debt / equity | 0.00 | 1.44 |
| Current ratio | 1.03 | — |
| Altman Z (solvency) | 0.17 | 0.34 |
| Piotroski F (quality) | 6 / 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.