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CIRCLE INTERNET GROUP INC (CRCL) Stock Fundamental Analysis

NYSE:CRCL - New York Stock Exchange, Inc. - US1725731079 - Common Stock - Currency: USD

187.33  -15.57 (-7.67%)

After market: 186.39 -0.94 (-0.5%)

Fundamental Rating

2

Overall CRCL gets a fundamental rating of 2 out of 10. We evaluated CRCL against 0 industry peers in the Unkown industry. CRCL has a bad profitability rating. Also its financial health evaluation is rather negative. CRCL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year CRCL was profitable.
CRCL had a positive operating cash flow in the past year.
CRCL Yearly Net Income VS EBIT VS OCF VS FCFCRCL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 200M -200M -400M -600M

1.2 Ratios

Industry RankSector Rank
ROA 0.25%
ROE 8.26%
ROIC 6.7%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CRCL Yearly ROA, ROE, ROICCRCL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 5 10 15

1.3 Margins

Industry RankSector Rank
OM 10.11%
PM (TTM) 9.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CRCL Yearly Profit, Operating, Gross MarginsCRCL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 -20 -40 -60 -80

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3

2. Health

2.1 Basic Checks

CRCL has about the same amout of shares outstanding than it did 1 year ago.
CRCL has a better debt/assets ratio than last year.
CRCL Yearly Shares OutstandingCRCL Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 50M 100M 150M 200M
CRCL Yearly Total Debt VS Total AssetsCRCL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 10B 20B 30B 40B

2.2 Solvency

CRCL has an Altman-Z score of 0.45. This is a bad value and indicates that CRCL is not financially healthy and even has some risk of bankruptcy.
CRCL has a debt to FCF ratio of 0.14. This is a very positive value and a sign of high solvency as it would only need 0.14 years to pay back of all of its debts.
A Debt/Equity ratio of 0.02 indicates that CRCL is not too dependend on debt financing.
Although CRCL does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.14
Altman-Z 0.45
ROIC/WACCN/A
WACCN/A
CRCL Yearly LT Debt VS Equity VS FCFCRCL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

CRCL has a Current Ratio of 1.02. This is a normal value and indicates that CRCL is financially healthy and should not expect problems in meeting its short term obligations.
CRCL has a Quick Ratio of 1.02. This is a normal value and indicates that CRCL is financially healthy and should not expect problems in meeting its short term obligations.
Industry RankSector Rank
Current Ratio 1.02
Quick Ratio 1.02
CRCL Yearly Current Assets VS Current LiabilitesCRCL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 10B 20B 30B 40B

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3. Growth

3.1 Past

CRCL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -41.80%.
The Revenue has grown by 15.57% in the past year. This is quite good.
EPS 1Y (TTM)-41.8%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%31.82%
Revenue 1Y (TTM)15.57%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%58.47%

3.2 Future

The Earnings Per Share is expected to grow by 51.32% on average over the next years. This is a very strong growth
CRCL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 31.38% yearly.
EPS Next Y-137.35%
EPS Next 2Y19.63%
EPS Next 3Y51.32%
EPS Next 5YN/A
Revenue Next Year41.03%
Revenue Next 2Y28.36%
Revenue Next 3Y31.38%
Revenue Next 5YN/A

3.3 Evolution

CRCL Yearly Revenue VS EstimatesCRCL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 1B 2B 3B
CRCL Yearly EPS VS EstimatesCRCL Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0 0.5 1 1.5 2

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 263.85 indicates a quite expensive valuation of CRCL.
When comparing the Price/Earnings ratio of CRCL to the average of the S&P500 Index (27.30), we can say CRCL is valued expensively.
With a Price/Forward Earnings ratio of 184.35, CRCL can be considered very expensive at the moment.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, CRCL is valued quite expensively.
Industry RankSector Rank
PE 263.85
Fwd PE 184.35
CRCL Price Earnings VS Forward Price EarningsCRCL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200 250

4.2 Price Multiples

Industry RankSector Rank
P/FCF 161.49
EV/EBITDA -87.8
CRCL Per share dataCRCL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

A more expensive valuation may be justified as CRCL's earnings are expected to grow with 51.32% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y19.63%
EPS Next 3Y51.32%

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0

5. Dividend

5.1 Amount

CRCL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CIRCLE INTERNET GROUP INC

NYSE:CRCL (7/11/2025, 8:04:01 PM)

After market: 186.39 -0.94 (-0.5%)

187.33

-15.57 (-7.67%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners0.23%
Ins Owner Change-69.12%
Market Cap41.69B
Analysts76
Price TargetN/A
Short Float %N/A
Short Ratio0.15
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 263.85
Fwd PE 184.35
P/S 24.87
P/FCF 161.49
P/OCF 128.76
P/B 22.11
P/tB 32.45
EV/EBITDA -87.8
EPS(TTM)0.71
EY0.38%
EPS(NY)1.02
Fwd EY0.54%
FCF(TTM)1.16
FCFY0.62%
OCF(TTM)1.45
OCFY0.78%
SpS7.53
BVpS8.47
TBVpS5.77
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.25%
ROE 8.26%
ROCE 8.59%
ROIC 6.7%
ROICexc N/A
ROICexgc N/A
OM 10.11%
PM (TTM) 9.29%
GM N/A
FCFM 15.4%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.14
Debt/EBITDA 0.17
Cap/Depr 123.51%
Cap/Sales 3.92%
Interest Coverage 941.44
Cash Conversion 145.45%
Profit Quality 165.83%
Current Ratio 1.02
Quick Ratio 1.02
Altman-Z 0.45
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)123.17%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.83%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-41.8%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%31.82%
EPS Next Y-137.35%
EPS Next 2Y19.63%
EPS Next 3Y51.32%
EPS Next 5YN/A
Revenue 1Y (TTM)15.57%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%58.47%
Revenue Next Year41.03%
Revenue Next 2Y28.36%
Revenue Next 3Y31.38%
Revenue Next 5YN/A
EBIT growth 1Y-30.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y171.39%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y147.18%
OCF growth 3YN/A
OCF growth 5YN/A