COMP <GO>
CRCL vs AFRM // ENTERPRISE SCALE & MARKET CAP
Circle Internet Group Inc. (NYSE) VS. Affirm Holdings Inc. (NASDAQ) • 15-METRIC TALLY: CRCL 4
— AFRM 5
▲ ENTERPRISE SCALE & MARKET CAP LEADER: AFRM
LAST: $72.54 (-9.31%) • MKT CAP: $20.31B
market-cap
$20.31B
LAST: $73.47 (-1.83%) • MKT CAP: $25.36B
market-cap
$25.36B
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CRCL VS. AFRM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CRCL | AFRM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -0.20% | -1.20% | +1.00 | CRCL | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.61% | 2.37% | +0.24 | CRCL | /fcf-yield <GO> |
| Operating Margin | -60.00% | -7.80% | -52.20 | AFRM | /operating-margins <GO> |
| Net Profit Margin | -60.00% | 4.70% | -64.70 | AFRM | /net-margins <GO> |
| Revenue Growth (YoY) | 180.00% | 34.90% | +145.10 | 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 | 8/9 | -2.00 | AFRM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.7 | 53.2 | -6.50 | AFRM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.10 | 0.96 | +0.14 | CRCL | /macro-sensitivity <GO> |
| Forward P/E Multiple | 34.0x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap ACTIVE | $20.31B | $25.36B | -$5.06B | AFRM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CRCL REV | AFRM REV | CRCL GROSS % | AFRM GROSS % | CRCL FCF | AFRM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $109.8M | $1.11B | — | — | $529.7M | $601.7M |
| FY 2024 | $15.2M | $826.0M | — | — | $326.4M | $290.8M |
| FY 2023 | $19.9M | $626.9M | — | — | $138.7M | -$16.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CRCL // BETA 1.10
AFRM // BETA 0.96