CRCL vs SOFI: stock comparison and AI forecast
Circle Internet Group, Inc. (CRCL) and Sofi Technologies, Inc. (SOFI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CRCL Circle Internet Group, Inc.
- Price
- $69.48 -38.6% · 6M
- Market Cap
- $17.64B
- P/E Ratio
- 16.4x
- Size
- large-cap
- AI Forecast
SOFI Sofi Technologies, Inc.
- Market Cap
- $20.72B
- P/E Ratio
- 34.9x
- Size
- large-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- SOFI is 1.2 times larger than CRCL by market capitalization ($20.72B against $17.64B).
- CRCL trades at 16.4 times trailing earnings, SOFI at 34.9 times.
- CRCL carries 19.12 times debt per unit of equity, against 5.00 times for SOFI.
- Both companies share the SEC industry classification Finance Services.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CRCL | SOFI |
|---|---|---|
| Market Cap | $17.64B | $20.72B |
| P/E Ratio | 16.39x | 34.87x |
| P/B Ratio | 4.57x | 1.83x |
| EPS | $4.24 | $0.46 |
| Book Value/Share | $15.21 | $8.75 |
| Revenue/Share | $14.22 | $4.73 |
| FCF/Share | $2.92 | $-8.16 |
Profitability & Margins
| Metric | CRCL | SOFI |
|---|---|---|
| ROE | – | 6.5% |
| ROA | – | 1.1% |
| ROIC | 11.1% | – |
| Gross Margin | – | 87.8% |
| Operating Margin | 12.1% | – |
| Net Margin | – | 12.1% |
| EBT Margin | 15.7% | 14.8% |
| Tax Rate | 7.0% | 18.6% |
Financial Health
| Metric | CRCL | SOFI |
|---|---|---|
| Current Ratio | 1.04x | – |
| D/E Ratio | 19.12x | 5.00x |
| Financial Leverage | 20.12x | 6.00x |
| Interest Coverage | 964.5x | – |
| Working Capital | $2.88B | – |
Cash Flow
| Metric | CRCL | SOFI |
|---|---|---|
| Operating Cash Flow | $772M | -$10.21B |
| Free Cash Flow | $741M | -$10.54B |
| Capital Spending | -$31M | -$332M |
| FCF/Sales | 20.5% | -172.4% |
| CapEx/Sales | 0.9% | 5.4% |
Operational Efficiency
| Metric | CRCL | SOFI |
|---|---|---|
| Asset Turnover | 0.05x | 0.09x |
| Receivables Turnover | 53.1x | – |
| Fixed Assets Turnover | 170.6x | 10.9x |
| Days Sales Outstanding | 7 days | – |
Income Statement
| Metric | CRCL | SOFI |
|---|---|---|
| Total Revenue | $3.61B | $6.11B |
| Operating Income | $436M | – |
| Net Income | – | $738M |
| R&D Expense | – | $749M |
| SG&A Expense | – | $2.82B |
| Cost of Goods Sold | – | $743M |
Dividend & Shareholder Information
| Metric | CRCL | SOFI |
|---|---|---|
| Shares Outstanding | 254M | 1292M |
| Net Income Growth | – | 15.2% |
| EPS Growth | – | 2.2% |
CRCL vs SOFI: stock comparison and AI forecast
Which is bigger, CRCL or SOFI?
SOFI is 1.2 times larger than CRCL by market capitalization ($20.72B against $17.64B).
Which is cheaper on earnings, CRCL or SOFI?
CRCL trades at 16.4 times trailing earnings, SOFI at 34.9 times.
Which one does Intratio's AI model rank higher, CRCL or SOFI?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.