COMPARE · Data as of August 21, 2026
CRCL vs XP
Verdict: Side-by-side breakdown using the Bull Rankings model. CRCL scored 70.0, XP scored 74.0 — XP leads.
Compare another set
Different reporting periods. CRCL's fundamentals are as of June 2026, but XP's are as of December 2025 — a 6-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
CRCL
Circle Internet Group
45.3Fin
$87.98 · $24.0B
fundamentals as of
Strength gap
24.5
XP leads
XP
XP Inc.
69.8Fin
$16.81 · $8.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestXP8.6x
Side by side · every name on one set of axes
Fundamentals, head-to-head
CRCL
XP
—
Rev
+7.3%B
17.6xC+
P/E
8.6xA-
15.3%B+
ROE
22.6%A-
6.03D
P/B
1.76B
0.0%C
Yield
1.2%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.
XPXP Inc.
Why now
Capital Markets · market cap $8.5b. Down 27% from 52-week high of $23.13 — deep drawdown territory. PEG 0.59 — paying under fair value for the growth rate. 9 sell-side analysts rate this a Buy with a mean 1-yr target of $21.98 (implying +31% upside).
Moat
Net margin 29% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 23% 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
D/E 6.42 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. 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
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.