COMP <GO>
CRCL vs SOFI // RETURN ON INVESTED CAPITAL (ROIC)
Circle Internet Group Inc. (NYSE) VS. SoFi Technologies Inc. (NASDAQ) • 15-METRIC TALLY: CRCL 4
— SOFI 6
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: SOFI
LAST: $72.54 (-9.31%) • MKT CAP: $20.31B
roic
-0.20%
LAST: $16.76 (-4.83%) • MKT CAP: $22.74B
roic
2.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CRCL VS. SOFI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CRCL | SOFI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | -0.20% | 2.10% | -2.30 | SOFI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 56.8x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.61% | -16.58% | +19.19 | CRCL | /fcf-yield <GO> |
| Operating Margin | -60.00% | 75.00% | -135.00 | SOFI | /operating-margins <GO> |
| Net Profit Margin | -60.00% | 68.00% | -128.00 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | 180.00% | 23.10% | +156.90 | CRCL | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 3/9 | +3.00 | CRCL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.7 | 62.1 | -15.40 | SOFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.10 | 1.13 | -0.03 | SOFI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 34.0x | 39.7x | -5.70 | CRCL | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $20.31B | $22.74B | -$2.44B | SOFI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CRCL REV | SOFI REV | CRCL GROSS % | SOFI GROSS % | CRCL FCF | SOFI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $109.8M | $619.4M | — | — | $529.7M | -$3.77B |
| FY 2024 | $15.2M | $503.1M | — | — | $326.4M | -$1.14B |
| FY 2023 | $19.9M | $421.5M | — | — | $138.7M | -$7.25B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CRCL // BETA 1.10
SOFI // BETA 1.13