PPDAI Group (NYSE:FINV) versus Circle Internet Group (NYSE:CRCL) Critical Survey

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
PPDAI Group	19.44%	18.15%	11.86%
Circle Internet Group	N/A	N/A	N/A

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PPDAI Group	$1.79 billion	1.27	$326.49 million	$1.37	6.58
Circle Internet Group	N/A	N/A	N/A	($0.0127)	-11,178.28

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

Insider & Institutional Ownership

31.2% of PPDAI Group shares are held by institutional investors. 44.0% of PPDAI Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent ratings for PPDAI Group and Circle Internet Group, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PPDAI Group	0	0	2	0	3.00
Circle Internet Group	3	5	5	1	2.29

PPDAI Group currently has a consensus price target of $11.55, suggesting a potential upside of 28.19%. Circle Internet Group has a consensus price target of $173.00, suggesting a potential upside of 22.30%. Given PPDAI Group’s stronger consensus rating and higher probable upside, research analysts plainly believe PPDAI Group is more favorable than Circle Internet Group.

Summary

PPDAI Group beats Circle Internet Group on 10 of the 12 factors compared between the two stocks.

About PPDAI Group

FinVolution Group operates in the online consumer finance industry. The company operates a fintech platform that is empowered by borrowers with financial institutions. It operates in China and internationally. The company was formerly known as PPDAI Group Inc. and changed its name to FinVolution Group in November 2019. FinVolution Group was founded in 2007 and is headquartered in Shanghai, the People’s Republic of China.

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.