GS vs CRCL Comparison: AI Score, Valuation, Performance and Upside
Compare Goldman Sachs' diversified trading and banking franchise against Circle's USDC stablecoin business and its reliance on interest income from reserves.
Use this Goldman Sachs vs Circle Internet Group comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
GS holds the edge across 4 of 5 key metrics in this comparison. GS leads on both 1-year return (+16.06%) and forward P/E quality (13.97x vs 55.13x for CRCL), a relatively favorable combination of momentum and valuation. GS leads on both revenue growth (42.50%) and operating margin (42.18%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for CRCL (+17.76%) than for GS (+10.41%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | GS | CRCL |
|---|---|---|
| AI scorei | 64.4 | 27.6 |
| AI ranki | #77 | #2328 |
| Latest closei | $891.28 | $86.97 |
| 1M returni | -8.74% | +0.78% |
| 3M returni | -18.64% | +43.42% |
| 6M returni | -0.97% | -19.07% |
| 1Y returni | +16.06% | -35.33% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | GS | CRCL |
|---|---|---|
| 1Y ago | $11.76K (+17.6%) started 2025-10-16 | $6.47K (-35.3%) started 2025-10-15 |
| 5Y ago | $25.97K (+159.7%) started 2021-10-18 | $10.45K (+4.5%) started 2025-06-05 |
| 10Y ago | $76.36K (+663.6%) started 2016-10-17 | $10.45K (+4.5%) started 2025-06-05 |
Hypothetical — past performance does not guarantee future results.
| Metric | GS | CRCL |
|---|---|---|
| Market capi | $301.07B | $23.91B |
| Trailing P/Ei | 16.08 | 17.58 |
| Forward P/Ei | 13.97 | 55.13 |
| Price/Salesi | 3.55 | N/A |
| EV/Revenuei | 1.00 | 7.23 |
| Analyst targeti | $1,141.65 | $103.29 |
| Target upsidei | +10.41% | +17.76% |
| Metric | GS | CRCL |
|---|---|---|
| Revenue growthi | 42.50% | 6.60% |
| Earnings growthi | 92.30% | N/A |
| EPS growthi | +92.30% | N/A |
| FCF margini | N/A | +7.10% |
| Operating margini | 42.18% | 4.90% |
| Profit margini | 31.04% | 15.53% |
| ROIC proxyi | 16.90% | 15.35% |
| Return on equityi | 16.90% | 15.35% |
| Dividend yieldi | 1.92% | N/A |
| Payout ratioi | 26.25% | 0.00% |
| Dividend growth streaki | No increase yet | N/A |
| Betai | 1.29 | N/A |
| Debt/equityi | 725.38 | 0.45 |
| Current ratioi | 1.56 | 1.03 |
| Quick ratioi | 1.41 | 0.03 |
Over the past year, GS and CRCL have moved weakly in the same direction (correlation of 0.27), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | GS | CRCL |
|---|---|---|---|
| 1Y | Growthi | +17.57% | -35.33% |
| CAGRi | +17.60% | -35.35% | |
| Volatilityi | 31.88% | 96.34% | |
| Sharpe ratioi | 0.53 | -0.03 | |
| Sortino ratioi | 0.77 | -0.05 | |
| Max drawdowni | 23.73% | 64.95% | |
| Current drawdowni | 22.64% | 39.30% | |
| Avg drawdowni | 7.26% | 38.24% | |
| Ulcer Indexi | 9.68% | 40.88% | |
| Max daily dropi | 7.47% | 20.11% | |
| Max wkly dropi | 10.69% | 29.00% | |
| 5Y | Growthi | +136.06% | +4.49% |
| CAGRi | +18.76% | +3.28% | |
| Volatilityi | 28.62% | 109.01% | |
| Sharpe ratioi | 0.59 | 0.51 | |
| Sortino ratioi | 0.87 | 0.85 | |
| Max drawdowni | 32.84% | 80.93% | |
| Current drawdowni | 22.64% | 66.99% | |
| Avg drawdowni | 10.70% | 58.05% | |
| Ulcer Indexi | 13.80% | 60.76% | |
| Max daily dropi | 9.21% | 20.11% | |
| Max wkly dropi | 15.72% | 31.19% | |
| 10Y | Growthi | +529.52% | +4.49% |
| CAGRi | +20.21% | +3.28% | |
| Volatilityi | 30.16% | 109.01% | |
| Sharpe ratioi | 0.61 | 0.51 | |
| Sortino ratioi | 0.90 | 0.85 | |
| Max drawdowni | 48.75% | 80.93% | |
| Current drawdowni | 22.64% | 66.99% | |
| Avg drawdowni | 12.26% | 58.05% | |
| Ulcer Indexi | 15.70% | 60.76% | |
| Max daily dropi | 12.71% | 20.11% | |
| Max wkly dropi | 24.20% | 31.19% |
| Category | GS | CRCL |
|---|---|---|
| Company | GS | CRCL |
| Sector | Financial Services | Financial Services |
| Industry | Capital Markets | Capital Markets |
| Core business | The Goldman Sachs Group, Inc., a financial institution, provides a range of financial services for corporations, financial institutions, governments, and individuals in the Americas, Europe, the Middle East, Africa, and… | Circle Internet Group, Inc. operates as a platform, network, and market infrastructure for stablecoin and blockchain applications. |
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