CIRCLE INTERNET GROUP INC (CRCL) Fundamental Analysis & Valuation

NYSE:CRCL • US1725731079

101.91 USD
-3.83 (-3.62%)
At close: Mar 6, 2026
100.49 USD
-1.42 (-1.39%)
After Hours: 3/6/2026, 8:09:43 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

Overall CRCL gets a fundamental rating of 3 out of 10. We evaluated CRCL against 279 industry peers in the Software industry. CRCL may be in some trouble as it scores bad on both profitability and health. CRCL is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

1

1. CRCL Profitability Analysis

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 2025 0 200M -200M -400M -600M

1.2 Ratios

  • CRCL's Return On Assets of -0.06% is in line compared to the rest of the industry. CRCL outperforms 56.16% of its industry peers.
  • CRCL's Return On Equity of -1.56% is in line compared to the rest of the industry. CRCL outperforms 57.61% of its industry peers.
  • CRCL has a better Return On Invested Capital (0.48%) than 60.14% of its industry peers.
Industry RankSector Rank
ROA -0.06%
ROE -1.56%
ROIC 0.48%
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

  • With a Operating Margin value of 0.60%, CRCL perfoms like the industry average, outperforming 59.78% of the companies in the same industry.
  • The Gross Margin of CRCL (29.65%) is worse than 79.71% of its industry peers.
Industry RankSector Rank
OM 0.6%
PM (TTM) N/A
GM 29.65%
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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2

2. CRCL Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CRCL is destroying value.
  • CRCL has more 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 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 0.26, we must say that CRCL is in the distress zone and has some risk of bankruptcy.
  • CRCL has a Altman-Z score of 0.26. This is in the lower half of the industry: CRCL underperforms 69.93% of its industry peers.
  • A Debt/Equity ratio of 0.05 indicates that CRCL is not too dependend on debt financing.
  • CRCL's Debt to Equity ratio of 0.05 is in line compared to the rest of the industry. CRCL outperforms 57.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z 0.26
ROIC/WACC0.04
WACC11.13%
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

  • CRCL has a Current 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.
  • The Current ratio of CRCL (1.03) is worse than 73.55% 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: 72.46% 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

  • The earnings per share for CRCL have decreased strongly by -161.69% in the last year.
  • Looking at the last year, CRCL shows a very strong growth in Revenue. The Revenue has grown by 63.86%.
  • CRCL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 52.66% yearly.
EPS 1Y (TTM)-161.69%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-29.38%
Revenue 1Y (TTM)63.86%
Revenue growth 3Y52.66%
Revenue growth 5YN/A
Sales Q2Q%-54.05%

3.2 Future

  • CRCL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 99.78% yearly.
  • Based on estimates for the next years, CRCL will show a very strong growth in Revenue. The Revenue will grow by 22.05% on average per year.
EPS Next Y295.16%
EPS Next 2Y140.52%
EPS Next 3Y101.29%
EPS Next 5Y99.78%
Revenue Next Year15.4%
Revenue Next 2Y23.63%
Revenue Next 3Y27.38%
Revenue Next 5Y22.05%

3.3 Evolution

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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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2

4. CRCL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for CRCL. In the last year negative earnings were reported.
  • CRCL is valuated quite expensively with a Price/Forward Earnings ratio of 104.87.
  • CRCL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CRCL is more expensive than 60.51% of the companies in the same industry.
  • CRCL's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 24.57.
Industry RankSector Rank
PE N/A
Fwd PE 104.87
CRCL Price Earnings VS Forward Price EarningsCRCL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CRCL Per share dataCRCL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

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

  • No dividends for CRCL!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

CRCL Fundamentals: All Metrics, Ratios and Statistics

CIRCLE INTERNET GROUP INC

NYSE:CRCL (3/6/2026, 8:09:43 PM)

After market: 100.49 -1.42 (-1.39%)

101.91

-3.83 (-3.62%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-25
Earnings (Next)N/A
Inst Owners56.6%
Inst Owner Change12.44%
Ins Owners2.56%
Ins Owner Change-1.85%
Market Cap24.00B
Revenue(TTM)2.75B
Net Income(TTM)-47.26M
Analysts73.94
Price Target130.49 (28.04%)
Short Float %11.52%
Short Ratio1.77
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)-8.02%
PT rev (3m)-15.69%
EPS NQ rev (1m)-1.73%
EPS NQ rev (3m)2.36%
EPS NY rev (1m)1.21%
EPS NY rev (3m)-23.31%
Revenue NQ rev (1m)-0.8%
Revenue NQ rev (3m)-2.1%
Revenue NY rev (1m)-1.49%
Revenue NY rev (3m)-1.79%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 104.87
P/S 6.57
P/FCF N/A
P/OCF N/A
P/B 7.94
P/tB 10.23
EV/EBITDA N/A
EPS(TTM)-2.9
EYN/A
EPS(NY)0.97
Fwd EY0.95%
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 0.48%
ROICexc 0.83%
ROICexgc 1.3%
OM 0.6%
PM (TTM) N/A
GM 29.65%
FCFM 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
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 N/A
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 0.26
F-ScoreN/A
WACC11.13%
ROIC/WACC0.04
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
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%-29.38%
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 Year15.4%
Revenue Next 2Y23.63%
Revenue Next 3Y27.38%
Revenue Next 5Y22.05%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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 3 / 10 to CRCL.


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

ChartMill assigns a valuation rating of 2 / 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 grow by 295.16% in the next year.