CIRCLE INTERNET GROUP, INC. vs Upstart Holdings, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where CRCL and UPST diverge most: on operating margin, CRCL reads 6.5% and UPST reads -2.4%; on net margin, CRCL reads -3.8% and UPST reads 4.3%. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | CRCL | UPST |
|---|---|---|
| Price | $62.15 | $27.45 |
| Market cap | $16.6B | $2.7B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 67.0 |
| P/B | 4.83 | 3.63 |
| P/S | 7.92 | 2.34 |
| EV/EBITDA | 64.2 | 34.2 |
| Revenue growth | +46.3% | +63.0% |
| Operating margin | 6.5% | -2.4% |
| Net margin | -3.8% | 4.3% |
| Return on equity | -2.3% | 6.7% |
| Return on assets | -0.1% | 1.7% |
| Debt / equity | 0.00 | 0.00 |
| Current ratio | 1.03 | — |
| Altman Z (solvency) | 0.17 | 0.92 |
| Piotroski F (quality) | 6 / 9 | 6 / 9 |
Each week boothcheck ranks the stocks whose prices are betting on the most. Read the most stretched bets archive →
boothcheck is also on Android. Get the app on Google Play →
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.