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SoFi Technologies vs Circle Internet Group: SOFI and CRCL compared
SoFi Technologies is the larger company: $1.4B of revenue in its latest quarter (Q3 2026) against $865M for Circle Internet Group (Q3 2026). SoFi Technologies is growing faster (+44% against +17% a year earlier). Circle Internet Group is more profitable, with an operating margin of 24.1% against 22.9%.
Where the money goes: SOFI and CRCL
SoFi Technologies (SOFI) · Q3 2026
SoFi Technologies, Q3 2026: revenue $1.4B (+44% year over year), operating margin 22.9%, net earnings $241M, operating cash flow −$3.0B. The chart follows the revenue to costs, profit and cash.
Circle Internet Group (CRCL) · Q3 2026
Circle Internet Group, Q3 2026: revenue $865M (+17% year over year), operating margin 24.1%, net earnings $226M, operating cash flow −$15.5M. The chart follows the revenue to costs, profit and cash.
| SoFi Technologies (SOFI) | Circle Internet Group (CRCL) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $1.4B | $865M |
| Revenue growth, Y/Y | +44% | +17% |
| Operating margin | 22.9% | 24.1% |
| Net earnings | $241M | $226M |
| Net margin | 17.4% | 26.1% |
| Operating cash flow | −$3.0B | −$15.5M |
| Market value | $22.0B | $18.2B |
| P/E | 29.7× | 14.7× |
| Analysts’ mean target | $20.84 | $106.52 |
Where the revenue comes from
Circle Internet Group
- Other revenues: $658M (76%)
- Other: $182M (21%)
- Subscription and services: $19.6M (2%)
- Transaction revenue: $5.3M (1%)
Questions
Which is bigger, SoFi Technologies or Circle Internet Group?
SoFi Technologies is the larger company: $1.4B of revenue in its latest quarter (Q3 2026) against $865M for Circle Internet Group (Q3 2026).
Is SoFi Technologies or Circle Internet Group growing faster?
SoFi Technologies is growing faster (+44% against +17% a year earlier).
Which is more profitable, SoFi Technologies or Circle Internet Group?
Circle Internet Group is more profitable, with an operating margin of 24.1% against 22.9%.
More: SoFi Technologies earnings · how SoFi Technologies makes money · Circle Internet Group earnings · how Circle Internet Group makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 4, 2026). Fiscal quarters can end on different dates. Not investment advice.