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Circle Internet Group, Inc. (CRCL) vs XP Inc. (XP)

Circle Internet Group, Inc. and XP Inc. are both Capital Markets companies. Circle Internet Group, Inc. is the larger, with a market value of $22.2B against $15.5B — 1.4× the size. XP Inc. trades at the lower P/E: 15.1× against 43.0×. Circle Internet Group, Inc. grew revenue faster over the last twelve months: 37.5% against 18.2%. XP Inc. has the higher net margin (27.8% vs 15.5%) and the higher return on invested capital (20.5% vs 0.00%). Across the 18 metrics below, XP Inc. leads on 16 and Circle Internet Group, Inc. on 2.

Valuation

Metric CRCL XP Capital Markets median
P/E 43.05 15.12 14.20
P/S 7.02 4.15 2.00
P/B 5.81 3.05 1.51
Price to free cash flow 29.38 6.36 6.36
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.32% 6.61% (3.94%)
Free cash flow yield 3.40% 15.72% (1.62%)

Profitability

Metric CRCL XP Capital Markets median
Gross margin 40.51% 100.00% 62.80%
Operating margin 7.42% 33.63% 0.00%
Net margin 15.53% 27.84% (0.55%)
Free cash flow margin 23.90% 65.15% 0.00%
Return on equity 15.35% 22.76% 0.00%
Return on assets 0.64% 1.37% 0.00%
Return on invested capital 0.00% 20.52% 0.00%

Growth

Metric CRCL XP Capital Markets median
Revenue growth (TTM) 37.54% 18.17% 20.70%
EPS growth (last fiscal year) (120.65%) 13.73% 22.92%
Revenue growth, 5-year CAGR — 15.82% 18.16%
Net income growth, 5-year CAGR — 18.11% 0.00%

Health

Metric CRCL XP Capital Markets median
Debt to equity 0.00 0.07 0.08
Current ratio 1.03 4.80 1.50
Net debt to EBITDA 3,906.55 (1.52) (0.24)

Dividend

Metric CRCL XP Capital Markets median
Dividend yield — 1.30% 1.36%
Payout ratio — 0.20 0.19

Size

Metric CRCL XP Capital Markets median
Market cap 22.19b 15.53b 565.91m

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