WallStSmart

Circle Internet Group, Inc. (CRCL)vsInteractive Brokers Group Inc (IBKR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Interactive Brokers Group Inc generates 135% more annual revenue ($6.83B vs $2.91B). IBKR leads profitability with a 16.5% profit margin vs 15.5%. IBKR appears more attractively valued with a PEG of 1.44. IBKR earns a higher WallStSmart Score of 72/100 (B).

CRCL

Hold

40

out of 100

Grade: F

Growth: 6.0Profit: 5.5Value: 4.3Quality: 5.0
Piotroski: 2/9Altman Z: 0.07

IBKR

Strong Buy

72

out of 100

Grade: B

Growth: 9.3Profit: 7.5Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: 0.41

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRCL1 strengths · Avg: 10.0/10
Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

IBKR5 strengths · Avg: 8.6/10
Operating MarginProfitability
76.5%10/10

Strong operational efficiency at 76.5%

Market CapQuality
$155.68B9/10

Large-cap with strong market position

Revenue GrowthGrowth
26.3%8/10

Revenue surging 26.3% year-over-year

EPS GrowthGrowth
35.3%8/10

Earnings expanding 35.3% YoY

Free Cash FlowQuality
$6.20B8/10

Generating 6.2B in free cash flow

Areas to Watch

CRCL4 concerns · Avg: 2.5/10
Operating MarginProfitability
4.9%3/10

Operating margin of 4.9%

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
6.862/10

Expensive relative to growth rate

EPS GrowthGrowth
-80.9%2/10

Earnings declined 80.9%

IBKR4 concerns · Avg: 2.5/10
P/E RatioValuation
36.3x4/10

Premium valuation, high expectations priced in

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.412/10

Distress zone — elevated risk

Debt/EquityHealth
7.691/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : CRCL

The strongest argument for CRCL centers on Debt/Equity. Profitability is solid with margins at 15.5% and operating margin at 4.9%.

Bull Case : IBKR

The strongest argument for IBKR centers on Operating Margin, Market Cap, Revenue Growth. Profitability is solid with margins at 16.5% and operating margin at 76.5%. Revenue growth of 26.3% demonstrates continued momentum.

Bear Case : CRCL

The primary concerns for CRCL are Operating Margin, Piotroski F-Score, PEG Ratio.

Bear Case : IBKR

The primary concerns for IBKR are P/E Ratio, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 7.69 is elevated, increasing financial risk.

Key Dynamics to Monitor

CRCL profiles as a mature stock while IBKR is a growth play — different risk/reward profiles.

IBKR is growing revenue faster at 26.3% — sustainability is the question.

IBKR generates stronger free cash flow (6.2B), providing more financial flexibility.

Monitor CAPITAL MARKETS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

IBKR scores higher overall (72/100 vs 40/100), backed by strong 16.5% margins and 26.3% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Circle Internet Group, Inc.

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Circle Internet Group, Inc. is a platform, network, and market infrastructure for stablecoin and blockchain applications. The company is headquartered in New York, New York.

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Interactive Brokers Group Inc

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Interactive Brokers Group, Inc. is a global automated electronic broker. The company is headquartered in Greenwich, Connecticut.

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