CIRCLE INTERNET GROUP INC (CRCL) Fundamental Analysis & Valuation

NYSE:CRCL • US1725731079

Current stock price

88.04 USD
+2.94 (+3.45%)
At close:
88.2194 USD
+0.18 (+0.2%)
After Hours:

This CRCL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. CRCL Profitability Analysis

1.1 Basic Checks

  • CRCL had negative earnings in the past year.
  • In the past year CRCL had a positive cash flow from operations.
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 2025 0 200M -200M 400M -400M -600M

1.2 Ratios

  • The Return On Assets of CRCL (-0.09%) is comparable to the rest of the industry.
  • With a Return On Equity value of -2.09%, CRCL perfoms like the industry average, outperforming 57.82% of the companies in the same industry.
Industry RankSector Rank
ROA -0.09%
ROE -2.09%
ROIC N/A
ROA(3y)0.43%
ROA(5y)N/A
ROE(3y)8.4%
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 2025 0 5 10 15

1.3 Margins

  • CRCL's Gross Margin of 39.43% is on the low side compared to the rest of the industry. CRCL is outperformed by 77.09% of its industry peers.
  • The Profit Margin and Operating Margin are not available for CRCL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 39.43%
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 2025 0 20 -20 -40 -60 -80

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4

2. CRCL Health Analysis

2.1 Basic Checks

  • CRCL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CRCL has more shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, CRCL has an improved debt to assets ratio.
CRCL Yearly Shares OutstandingCRCL Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 2025 50M 100M 150M 200M
CRCL Yearly Total Debt VS Total AssetsCRCL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • Based on the Altman-Z score of 0.21, we must say that CRCL is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.21, CRCL is doing worse than 69.09% of the companies in the same industry.
  • CRCL has a debt to FCF ratio of 0.08. This is a very positive value and a sign of high solvency as it would only need 0.08 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.08, CRCL belongs to the best of the industry, outperforming 81.09% of the companies in the same industry.
  • A Debt/Equity ratio of 0.01 indicates that CRCL is not too dependend on debt financing.
  • CRCL has a Debt to Equity ratio of 0.01. This is in the better half of the industry: CRCL outperforms 63.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.08
Altman-Z 0.21
ROIC/WACCN/A
WACC10.93%
CRCL Yearly LT Debt VS Equity VS FCFCRCL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 2025 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 1.03 indicates that CRCL should not have too much problems paying its short term obligations.
  • The Current ratio of CRCL (1.03) is worse than 73.82% of its industry peers.
  • CRCL has a Quick Ratio of 1.03. This is a normal value and indicates that CRCL is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Quick ratio value of 1.03, CRCL is not doing good in the industry: 72.73% of the companies in the same industry are doing better.
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 2025 20B 40B 60B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. CRCL Growth Analysis

3.1 Past

  • CRCL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -161.69%.
  • The Revenue has grown by 63.86% in the past year. This is a very strong growth!
  • The Revenue has been growing by 52.66% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-161.69%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-20.62%
Revenue 1Y (TTM)63.86%
Revenue growth 3Y52.66%
Revenue growth 5YN/A
Sales Q2Q%-54.05%

3.2 Future

  • Based on estimates for the next years, CRCL will show a very strong growth in Earnings Per Share. The EPS will grow by 99.78% on average per year.
  • The Revenue is expected to grow by 22.18% on average over the next years. This is a very strong growth
EPS Next Y295.16%
EPS Next 2Y140.52%
EPS Next 3Y101.29%
EPS Next 5Y99.78%
Revenue Next Year15.12%
Revenue Next 2Y23.44%
Revenue Next 3Y25.35%
Revenue Next 5Y22.18%

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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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3

4. CRCL Valuation Analysis

4.1 Price/Earnings Ratio

  • CRCL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • CRCL is valuated quite expensively with a Price/Forward Earnings ratio of 90.60.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CRCL.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.54, CRCL is valued quite expensively.
Industry RankSector Rank
PE N/A
Fwd PE 90.6
CRCL Price Earnings VS Forward Price EarningsCRCL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 60 80

4.2 Price Multiples

  • CRCL's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 45.89
EV/EBITDA N/A
CRCL Per share dataCRCL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • CRCL's earnings are expected to grow with 101.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y140.52%
EPS Next 3Y101.29%

More info and screens

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

0

5. CRCL Dividend Analysis

5.1 Amount

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

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CRCL Fundamentals: All Metrics, Ratios and Statistics

CIRCLE INTERNET GROUP INC

NYSE:CRCL (4/10/2026, 8:14:56 PM)

After market: 88.2194 +0.18 (+0.2%)

88.04

+2.94 (+3.45%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-25
Earnings (Next)N/A
Inst Owners55.68%
Inst Owner Change0%
Ins Owners2.49%
Ins Owner Change3.63%
Market Cap21.73B
Revenue(TTM)2.75B
Net Income(TTM)-69.51M
Analysts74.55
Price Target130.04 (47.71%)
Short Float %10.16%
Short Ratio1.18
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)29.56%
Min EPS beat(2)-12.17%
Max EPS beat(2)71.29%
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)2.83%
Min Revenue beat(2)2.12%
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)-0.34%
PT rev (3m)-10.24%
EPS NQ rev (1m)-9.98%
EPS NQ rev (3m)-26.35%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.66%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)-4.2%
Revenue NY rev (1m)-0.78%
Revenue NY rev (3m)-3.74%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 90.6
P/S 7.91
P/FCF 45.89
P/OCF 40.08
P/B 6.53
P/tB 8.19
EV/EBITDA N/A
EPS(TTM)-2.83
EYN/A
EPS(NY)0.97
Fwd EY1.1%
FCF(TTM)1.92
FCFY2.18%
OCF(TTM)2.2
OCFY2.49%
SpS11.13
BVpS13.49
TBVpS10.75
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.09%
ROE -2.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 39.43%
FCFM 17.24%
ROA(3y)0.43%
ROA(5y)N/A
ROE(3y)8.4%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.08
Debt/EBITDA N/A
Cap/Depr 89.57%
Cap/Sales 2.5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 0.21
F-Score4
WACC10.93%
ROIC/WACCN/A
Cap/Depr(3y)99.39%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.74%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-161.69%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-20.62%
EPS Next Y295.16%
EPS Next 2Y140.52%
EPS Next 3Y101.29%
EPS Next 5Y99.78%
Revenue 1Y (TTM)63.86%
Revenue growth 3Y52.66%
Revenue growth 5YN/A
Sales Q2Q%-54.05%
Revenue Next Year15.12%
Revenue Next 2Y23.44%
Revenue Next 3Y25.35%
Revenue Next 5Y22.18%
EBIT growth 1Y-153.78%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1232.19%
EBIT Next 3Y200.52%
EBIT Next 5YN/A
FCF growth 1Y64.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y57.43%
OCF growth 3YN/A
OCF growth 5YN/A

CIRCLE INTERNET GROUP INC / CRCL Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to CRCL.


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

ChartMill assigns a valuation rating of 3 / 10 to CIRCLE INTERNET GROUP INC (CRCL). This can be considered as Overvalued.


How profitable is CIRCLE INTERNET GROUP INC (CRCL) stock?

CIRCLE INTERNET GROUP INC (CRCL) has a profitability rating of 1 / 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 grow by 295.16% in the next year.