Reviewing Flywire (NASDAQ:FLYW) and Circle Internet Group (NYSE:CRCL)

Flywire (NASDAQ:FLYW) and Circle Internet Group (NYSE:CRCL) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, institutional ownership, valuation, analyst recommendations, risk, earnings and profitability.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Flywire	4.77%	4.08%	2.81%
Circle Internet Group	15.53%	13.58%	0.58%

Risk & Volatility

Flywire has a beta of 1.35, meaning that its share price is 35% more volatile than the S&P 500. Comparatively, Circle Internet Group has a beta of 0.73, meaning that its share price is 27% less volatile than the S&P 500.

Institutional & Insider Ownership

95.9% of Flywire shares are owned by institutional investors. 5.0% of Flywire shares are owned by company insiders. Comparatively, 10.8% of Circle Internet Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of recent ratings for Flywire and Circle Internet Group, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flywire	0	7	8	0	2.53
Circle Internet Group	4	9	10	1	2.33

Flywire presently has a consensus target price of $20.23, suggesting a potential upside of 7.84%. Circle Internet Group has a consensus target price of $97.82, suggesting a potential upside of 15.56%. Given Circle Internet Group’s higher probable upside, analysts plainly believe Circle Internet Group is more favorable than Flywire.

Earnings & Valuation

This table compares Flywire and Circle Internet Group”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Flywire	$623.03 million	3.66	$13.50 million	$0.26	72.15
Circle Internet Group	$2.75 billion	7.82	-$69.51 million	$1.46	57.98

Flywire has higher earnings, but lower revenue than Circle Internet Group. Circle Internet Group is trading at a lower price-to-earnings ratio than Flywire, indicating that it is currently the more affordable of the two stocks.

Summary

Circle Internet Group beats Flywire on 9 of the 15 factors compared between the two stocks.

About Flywire

Flywire Corporation, together with its subsidiaries, operates as a payments enablement and software company in the United States and internationally. Its payment platform and network, and vertical-specific software help clients to get paid and help their customers to pay. The company’s platform facilitates payment flows across multiple currencies, payment types, and payment options, as well as provides direct connections to alternative payment methods, such as Alipay, Boleto, PayPal/Venmo, and Trustly. It serves education, healthcare, travel, and business to business organizations. The company was formerly known as peerTransfer Corporation and changed its name to Flywire Corporation in December 2016. Flywire Corporation was incorporated in 2009 and is headquartered in Boston, Massachusetts.

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.