Logo image of CRCL

CIRCLE INTERNET GROUP INC (CRCL) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:CRCL - US1725731079 - Common Stock

88.88 USD
+4.92 (+5.86%)
Last: 12/9/2025, 8:04:00 PM
88.27 USD
-0.61 (-0.69%)
Pre-Market: 12/10/2025, 6:41:28 AM
Fundamental Rating

2

Taking everything into account, CRCL scores 2 out of 10 in our fundamental rating. CRCL was compared to 280 industry peers in the Software industry. CRCL has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, CRCL is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

In the past year CRCL has reported negative net income.
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

CRCL has a Return On Assets (-0.06%) which is in line with its industry peers.
With a Return On Equity value of -1.56%, CRCL perfoms like the industry average, outperforming 58.21% of the companies in the same industry.
CRCL has a better Return On Invested Capital (0.55%) than 60.71% of its industry peers.
Industry RankSector Rank
ROA -0.06%
ROE -1.56%
ROIC 0.55%
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

CRCL has a Operating Margin (0.63%) which is comparable to the rest of the industry.
The Profit Margin and Gross Margin are not available for CRCL so they could not be analyzed.
Industry RankSector Rank
OM 0.63%
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

More info and screens

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.
Compared to 1 year ago, CRCL has about the same amount of shares outstanding.
The debt/assets ratio for CRCL has been reduced compared to a year ago.
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 0.23. 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 0.23. This is in the lower half of the industry: CRCL underperforms 70.71% 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.
The Debt to Equity ratio of CRCL (0.05) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z 0.23
ROIC/WACC0.05
WACC10.94%
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 1.03. This is a normal value and indicates that CRCL is financially healthy and should not expect problems in meeting its short term obligations.
CRCL's Current ratio of 1.03 is on the low side compared to the rest of the industry. CRCL is outperformed by 72.14% 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.
CRCL has a worse Quick ratio (1.03) than 71.07% 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

More info and screens

4

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%N/A
Revenue 1Y (TTM)15.57%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

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 48.61% on average per year.
CRCL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 43.26% yearly.
EPS Next Y-174.79%
EPS Next 2Y20.06%
EPS Next 3Y40.84%
EPS Next 5Y48.61%
Revenue Next Year63.94%
Revenue Next 2Y39.93%
Revenue Next 3Y37.11%
Revenue Next 5Y43.26%

3.3 Evolution

CRCL Yearly Revenue VS EstimatesCRCL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
CRCL Yearly EPS VS EstimatesCRCL Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 2028 0 1 2 3

More info and screens

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 86.85, which means the current valuation is very expensive for CRCL.
CRCL's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.52, CRCL is valued quite expensively.
Industry RankSector Rank
PE N/A
Fwd PE 86.85
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

The rest of the industry has a similar Enterprise Value to EBITDA ratio as CRCL.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 265.25
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 40.84% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y20.06%
EPS Next 3Y40.84%

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

CIRCLE INTERNET GROUP INC

NYSE:CRCL (12/9/2025, 8:04:00 PM)

Premarket: 88.27 -0.61 (-0.69%)

88.88

+4.92 (+5.86%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-12 2025-11-12/bmo
Earnings (Next)N/A N/A
Inst Owners53.7%
Inst Owner Change15.52%
Ins Owners2.65%
Ins Owner Change-1.54%
Market Cap20.93B
Revenue(TTM)3.65B
Net Income(TTM)-47.26M
Analysts74.67
Price Target145.54 (63.75%)
Short Float %10.11%
Short Ratio1.53
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)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)-14.02%
PT rev (3m)-23.9%
EPS NQ rev (1m)8.04%
EPS NQ rev (3m)62.69%
EPS NY rev (1m)5%
EPS NY rev (3m)-366.82%
Revenue NQ rev (1m)4.75%
Revenue NQ rev (3m)9.39%
Revenue NY rev (1m)1.4%
Revenue NY rev (3m)3.27%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 86.85
P/S 5.73
P/FCF N/A
P/OCF N/A
P/B 6.92
P/tB 8.93
EV/EBITDA 265.25
EPS(TTM)-2.68
EYN/A
EPS(NY)1.02
Fwd EY1.15%
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 0.75%
ROIC 0.55%
ROICexc 0.95%
ROICexgc 1.49%
OM 0.63%
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 2.02
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 0.23
F-ScoreN/A
WACC10.94%
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-174.79%
EPS Next 2Y20.06%
EPS Next 3Y40.84%
EPS Next 5Y48.61%
Revenue 1Y (TTM)15.57%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year63.94%
Revenue Next 2Y39.93%
Revenue Next 3Y37.11%
Revenue Next 5Y43.26%
EBIT growth 1Y-30.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year225.32%
EBIT Next 3Y79%
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.


What is the valuation status for CRCL stock?

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.


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 -174.79% in the next year.