CIRCLE INTERNET GROUP INC (CRCL) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:CRCL • US1725731079

57.86 USD
-1.89 (-3.16%)
At close: Feb 11, 2026
57.65 USD
-0.21 (-0.36%)
Pre-Market: 2/12/2026, 8:01:10 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, CRCL scores 2 out of 10 in our fundamental rating. CRCL was compared to 277 industry peers in the Software industry. CRCL may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, CRCL is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • CRCL had negative earnings 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

  • The Return On Assets of CRCL (-0.06%) is comparable to the rest of the industry.
  • CRCL has a Return On Equity of -1.56%. This is comparable to the rest of the industry: CRCL outperforms 56.68% of its industry peers.
  • CRCL has a Return On Invested Capital (0.53%) which is in line with its industry peers.
Industry RankSector Rank
ROA -0.06%
ROE -1.56%
ROIC 0.53%
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

  • With a Operating Margin value of 0.60%, CRCL perfoms like the industry average, outperforming 58.48% of the companies in the same industry.
  • The Profit Margin and Gross Margin are not available for CRCL so they could not be analyzed.
Industry RankSector Rank
OM 0.6%
PM (TTM) N/A
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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • CRCL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • 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 0.17. This is a bad value and indicates that CRCL is not financially healthy and even has some risk of bankruptcy.
  • CRCL has a Altman-Z score of 0.17. This is in the lower half of the industry: CRCL underperforms 69.68% of its industry peers.
  • CRCL has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.05, CRCL perfoms like the industry average, outperforming 56.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z 0.17
ROIC/WACC0.05
WACC11.08%
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

  • A Current Ratio of 1.03 indicates that CRCL should not have too much problems paying its short term obligations.
  • CRCL has a worse Current ratio (1.03) than 71.84% of its industry peers.
  • A Quick Ratio of 1.03 indicates that CRCL should not have too much problems paying its short term obligations.
  • CRCL's Quick ratio of 1.03 is on the low side compared to the rest of the industry. CRCL is outperformed by 71.12% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The earnings per share for CRCL have decreased strongly by -41.80% in the last year.
  • CRCL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.57%.
EPS 1Y (TTM)-41.8%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)15.57%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • CRCL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 60.34% yearly.
  • CRCL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 29.74% yearly.
EPS Next Y-173.02%
EPS Next 2Y20.38%
EPS Next 3Y42.47%
EPS Next 5Y60.34%
Revenue Next Year65.13%
Revenue Next 2Y39.54%
Revenue Next 3Y37.1%
Revenue Next 5Y29.74%

3.3 Evolution

CRCL Yearly Revenue VS EstimatesCRCL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2B 4B 6B 8B 10B
CRCL Yearly EPS VS EstimatesCRCL Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 2028 2029 0 2 4 6

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • CRCL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • The Price/Forward Earnings ratio is 56.23, which means the current valuation is very expensive for CRCL.
  • CRCL's Price/Forward Earnings ratio is in line with the industry average.
  • CRCL is valuated expensively when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 56.23
CRCL Price Earnings VS Forward Price EarningsCRCL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40

4.2 Price Multiples

  • CRCL's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 168.3
CRCL Per share dataCRCL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • A more expensive valuation may be justified as CRCL's earnings are expected to grow with 42.47% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y20.38%
EPS Next 3Y42.47%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • CRCL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

CIRCLE INTERNET GROUP INC

NYSE:CRCL (2/11/2026, 8:15:07 PM)

Premarket: 57.65 -0.21 (-0.36%)

57.86

-1.89 (-3.16%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-12
Earnings (Next)02-25
Inst Owners56.6%
Inst Owner Change12.79%
Ins Owners2.56%
Ins Owner Change-2.06%
Market Cap13.62B
Revenue(TTM)3.65B
Net Income(TTM)-47.26M
Analysts72.5
Price Target131.97 (128.09%)
Short Float %6.99%
Short Ratio1.21
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1
Avg EPS beat(2)116.09%
Min EPS beat(2)-12.17%
Max EPS beat(2)244.34%
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)2
Avg Revenue beat(2)1.8%
Min Revenue beat(2)0.07%
Max Revenue beat(2)3.53%
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)-8.91%
PT rev (3m)-22.04%
EPS NQ rev (1m)3.75%
EPS NQ rev (3m)15.01%
EPS NY rev (1m)-67.59%
EPS NY rev (3m)32.88%
Revenue NQ rev (1m)-0.35%
Revenue NQ rev (3m)3.2%
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)2.79%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 56.23
P/S 3.73
P/FCF N/A
P/OCF N/A
P/B 4.51
P/tB 5.81
EV/EBITDA 168.3
EPS(TTM)-2.69
EYN/A
EPS(NY)1.03
Fwd EY1.78%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS15.51
BVpS12.84
TBVpS9.96
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.06%
ROE -1.56%
ROCE 0.72%
ROIC 0.53%
ROICexc 0.92%
ROICexgc 1.43%
OM 0.6%
PM (TTM) N/A
GM N/A
FCFM N/A
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Debt/EBITDA 2.04
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 0.17
F-ScoreN/A
WACC11.08%
ROIC/WACC0.05
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%N/A
EPS Next Y-173.02%
EPS Next 2Y20.38%
EPS Next 3Y42.47%
EPS Next 5Y60.34%
Revenue 1Y (TTM)15.57%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year65.13%
Revenue Next 2Y39.54%
Revenue Next 3Y37.1%
Revenue Next 5Y29.74%
EBIT growth 1Y-30.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year224.51%
EBIT Next 3Y77.48%
EBIT Next 5Y82.38%
FCF growth 1Y171.39%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y147.18%
OCF growth 3YN/A
OCF growth 5YN/A

CIRCLE INTERNET GROUP INC / CRCL FAQ

What is the ChartMill fundamental rating of CIRCLE INTERNET GROUP INC (CRCL) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CRCL.


Can you provide the valuation status for CIRCLE INTERNET GROUP INC?

ChartMill assigns a valuation rating of 1 / 10 to CIRCLE INTERNET GROUP INC (CRCL). This can be considered as Overvalued.


What is the profitability of CRCL stock?

CIRCLE INTERNET GROUP INC (CRCL) has a profitability rating of 1 / 10.


Can you provide the financial health for CRCL stock?

The financial health rating of CIRCLE INTERNET GROUP INC (CRCL) is 2 / 10.


What is the expected EPS growth for CIRCLE INTERNET GROUP INC (CRCL) stock?

The Earnings per Share (EPS) of CIRCLE INTERNET GROUP INC (CRCL) is expected to decline by -173.02% in the next year.