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CRCL vs MA

CRCL
Circle Internet Group
BEARISH
Price
$99.66
Market Cap
$24.64B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CRCL
--
MA
30.28
Forward P/E
CRCL
42.76
MA
22.05
P/B Ratio
CRCL
7.25
MA
57.74
P/S Ratio
CRCL
8.97
MA
13.6
EV/EBITDA
CRCL
-261.06
MA
22.13

Profitability

Gross Margin
CRCL
8.67%
MA
100.0%
Operating Margin
CRCL
7.17%
MA
57.73%
Profit Margin
CRCL
-2.53%
MA
45.65%
ROE
CRCL
-2.76%
MA
209.91%
ROA
CRCL
-0.1%
MA
23.72%

Growth

Revenue Growth
CRCL
76.9%
MA
17.6%
Earnings Growth
CRCL
880.2%
MA
24.2%

Financial Health

Debt/Equity
CRCL
0.02
MA
2.56
Current Ratio
CRCL
1.03
MA
1.03
Quick Ratio
CRCL
0.03
MA
0.68

Dividends

Dividend Yield
CRCL
--
MA
0.7%
Payout Ratio
CRCL
0.0%
MA
18.4%

AI Verdict

CRCL BEARISH

CRCL exhibits severe fundamental weakness with a Piotroski F-Score of 2/9, indicating poor financial health and deteriorating operational efficiency. While revenue growth is explosive at 76.9%, the company faces a critical liquidity crisis evidenced by a Quick Ratio of 0.03, suggesting an inability to meet short-term obligations without selling inventory or relying on new financing. Valuation is significantly stretched with a PEG ratio of 4.34 and a Price/Book of 7.25, while aggressive insider selling by the CFO, CTO, and President signals a lack of internal confidence. Despite a 'buy' consensus from analysts, the deterministic data points to a high-risk profile with a bearish technical trend.

Strengths
Exceptional YoY revenue growth of 76.90%
Very low Debt/Equity ratio (0.02), indicating minimal long-term leverage
Positive operating margin of 7.17% despite negative net profit
Risks
Critical liquidity risk indicated by a Quick Ratio of 0.03
Weak financial health baseline (Piotroski F-Score: 2/9)
Aggressive insider selling across the C-suite (CFO, CTO, President)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

CRCL vs MA: Head-to-Head Comparison

This page compares Circle Internet Group (CRCL) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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