Head-To-Head Survey: Circle Internet Group (NYSE:CRCL) and 9F (NASDAQ:JFU)

Circle Internet Group (NYSE:CRCL) and 9F (NASDAQ:JFU) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, institutional ownership, dividends, analyst recommendations, valuation, profitability and earnings.

Profitability

This table compares Circle Internet Group and 9F’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Circle Internet Group	-2.76%	2.89%	0.12%
9F	N/A	N/A	N/A

Valuation & Earnings

This table compares Circle Internet Group and 9F”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Circle Internet Group	$2.75 billion	6.66	-$69.51 million	($3.20)	-22.98
9F	$41.45 million	0.73	$24.05 million	N/A	N/A

9F has lower revenue, but higher earnings than Circle Internet Group.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Circle Internet Group and 9F, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Circle Internet Group	3	11	10	1	2.36
9F	1	0	0	0	1.00

Circle Internet Group currently has a consensus price target of $134.18, indicating a potential upside of 82.44%. Given Circle Internet Group’s stronger consensus rating and higher probable upside, analysts clearly believe Circle Internet Group is more favorable than 9F.

Summary

Circle Internet Group beats 9F on 8 of the 10 factors compared between the two stocks.

About Circle Internet Group

Founded in 2013, Circle’s mission is to raise global economic prosperity through the frictionless exchange of value. We intend to connect the world more deeply by building a new global economic system on the foundation of the internet, and to facilitate the creation of a world where everyone, everywhere can share value as easily as we can today share information, content, and communications. Since inception, we have relentlessly pursued our mission and vision, building fundamental technology for the internet financial system. We have forged paths toward mainstream acceptance through persistent and active engagement with policymakers and regulators globally, and have seen institutional and consumer knowledge and acceptance of internet-native financial assets approach critical mass. Large and influential players in the incumbent financial services system are increasingly embracing digital assets broadly and stablecoins specifically. Circle’s innovative products reach tens of millions of end-users, power thousands of businesses, and, as of March 31, 2025, USDC has been used for more than $25 trillion in onchain transactions. While we have made strong progress in our pursuit of our mission and vision over the past decade, we believe the internet financial system is in its infancy with decades of growth and innovation ahead. Our principal executive office is located in New York, NY.

About 9F

9F Inc., together with its subsidiaries, operates internet securities service platform in the People's Republic of China. The company operates through three segments: Technology Empowerment Services, E-commerce business, and Wealth Management. Its products include digital financial accounts that offer online lending, wealth management, and payment facilitation services; revolving and non-revolving loan products to borrowers, as well as traffic referral services to financial institution partners; and a suite of online wealth management products, such as fixed income products, stocks, insurance, bank wealth management products, and mutual funds to investors in various platforms, including Wukong Licai, 9F Wallet, and 9F Puhui. The company also provides payment facilitation and other products and services that help users to pay credit card bills and household bills comprising utility bills; and other value-added services consisting of credit history search, debt consolidation, and user referral services. In addition, it offers technology empowerment services to banking, automobile, securities investment, and insurance industries; and engages in E-commerce business, which offers various categories of merchandise, including 3C products, beauty and skin care products, food, household appliances, and liquor and beverages. It provides its services to borrowers, investors, and financial institutions partners. The company was formerly known as JIUFU Financial Technology Service Limited and changed its name to 9F Inc. in June 2014. 9F Inc. was founded in 2006 and is headquartered in Beijing, the People's Republic of China.