CIRCLE INTERNET GROUP, INC. vs SoFi Technologies, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where CRCL and SOFI diverge most: on debt / equity, CRCL reads 0.00 and SOFI reads 0.30; on return on equity, CRCL reads 12.9% and SOFI reads 5.7%. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | CRCL | SOFI |
|---|---|---|
| Price | $84.53 | $15.81 |
| Market cap | $22.7B | $20.4B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 32.3 |
| P/B | — | 1.84 |
| P/S | — | 4.74 |
| EV/EBITDA | — | 78.4 |
| Revenue growth | +30.8% | +40.7% |
| Operating margin | 4.9% | — |
| Net margin | 21.1% | 14.8% |
| Return on equity | 12.9% | 5.7% |
| Return on assets | 0.6% | 1.0% |
| Debt / equity | 0.00 | 0.30 |
| Current ratio | 1.03 | — |
| Altman Z (solvency) | 0.23 | 0.30 |
| Piotroski F (quality) | 8 / 9 | 5 / 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.