COMPARE · Data as of August 21, 2026
CRCL vs VIRT
Verdict: Side-by-side breakdown using the Bull Rankings model. CRCL scored 70.0, VIRT scored 78.0 — VIRT leads.
Compare another set
CRCL
Circle Internet Group
45.3Fin
$87.98 · $24.0B
fundamentals as of
Strength gap
20.4
VIRT leads
VIRT
Virtu Financial, Inc.
65.7Fin
$67.93 · $6.0B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestVIRT11.3x
Side by side · every name on one set of axes
Fundamentals, head-to-head
CRCL
VIRT
—
Rev
+26.2%A-
17.6xC+
P/E
11.3xB+
15.3%B+
ROE
53.6%A
6.03D
P/B
3.07C
0.0%C
Yield
1.6%C+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
CRCLCircle Internet Group
Why now
Capital Markets · market cap $24.0b. Down 45% from 52-week high of $159.47 — deep drawdown territory. 23 sell-side analysts rate this a Buy with a mean 1-yr target of $101.07 (implying +15% upside).
Moat
Net margin 16% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 15% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Down 45% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
VIRTVirtu Financial, Inc.
Why now
Capital Markets · market cap $6.0b. Trading near 52-week high of $68.68 — momentum setup, limited technical margin of safety. Revenue growing +26% — in hypergrowth territory. 7 sell-side analysts publish a mean 1-yr target of $66.71 (implying -2% upside).
Moat
Net margin 17% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 54% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
D/E 4.15 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Trading within 1% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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