CRCL
BEARISH
$99.66
Live
Circle Internet Group · NYSE
Target $128.65
(+29.1%)
$49.9
52W Range
$298.99
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 25, 2026
Market cap
$24.64B
P/E
N/A
ROE
-2.8%
Profit margin
-2.5%
Debt/Equity
0.02
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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
Strong analyst support with a target price of $128.65
Significant market capitalization of $24.64B providing scale
Key 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)
Overvaluation relative to growth (PEG Ratio: 4.34)
Negative net profit margin (-2.53%) and negative ROE (-2.76%)
AI Fair Value Estimate
Based on comprehensive analysis
$92.5
-7.2% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
30
Weak
25
80
30
15
0
AI Verdict
High Risk / Speculative
Key drivers: Extreme revenue growth, Severe liquidity deficiency, Bearish insider sentiment, Weak Piotroski health score
Confidence
90%
Value
25/100
Forward P/E of 42.76 is high for the sector given the negative current profit margin.
Positives
- Price has corrected significantly from 52-week high
Watchpoints
- High P/S (8.97)
- High P/B (7.25)
- PEG ratio (4.34) suggests extreme overvaluation
Future
80/100
Growth is the primary driver of the current valuation, but sustainability is questioned by the EPS dip.
Positives
- 76.9% YoY Revenue growth
- Massive earnings growth from a low base
Watchpoints
- Recent Q/Q EPS growth turned negative (-12.5%)
Past
30/100
Recent price action is strongly bearish, reflecting a loss of momentum.
Positives
- Long term 5Y change is positive
Watchpoints
- 6-month price decline of 29.8%
- Average earnings surprise is negative (-24.15%)
Health
15/100
The company is technically solvent due to low debt but functionally illiquid.
Positives
- Very low total debt relative to equity
Watchpoints
- Piotroski F-Score of 2/9 (Weak)
- Quick Ratio of 0.03 (Critical)
Dividend
0/100
Non-dividend paying growth stock.
Positives
No standout positives identified.
Watchpoints
- No dividend payments
- 0/100 dividend strength
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$99.66
Analyst Target
$128.65
Upside/Downside
+29.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CRCL and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CRCL
Circle Internet Group
Primary
|
+19.7% | +19.7% | +19.7% | -29.8% | -4.0% | -5.9% |
|
SOFI
SoFi Technologies, Inc.
Peer
|
+26.2% | +224.9% | +77.0% | -26.8% | +13.1% | +19.8% |
|
CINF
Cincinnati Financial Corporation
Peer
|
+73.4% | +55.3% | +29.4% | -2.2% | -1.3% | +1.8% |
|
TW
Tradeweb Markets Inc.
Peer
|
+47.4% | +61.1% | -10.7% | +6.0% | -8.0% | -7.2% |
|
LPLA
LPL Financial Holdings Inc.
Peer
|
+123.1% | +60.7% | +3.9% | +1.5% | +11.4% | +9.3% |
CRC
Circle Internet Group
Primary
5Y
+19.7%
3Y
+19.7%
1Y
+19.7%
6M
-29.8%
1M
-4.0%
1W
-5.9%
SOF
SoFi Technologies, Inc.
Peer
5Y
+26.2%
3Y
+224.9%
1Y
+77.0%
6M
-26.8%
1M
+13.1%
1W
+19.8%
CIN
Cincinnati Financial Corporation
Peer
5Y
+73.4%
3Y
+55.3%
1Y
+29.4%
6M
-2.2%
1M
-1.3%
1W
+1.8%
TW
Tradeweb Markets Inc.
Peer
5Y
+47.4%
3Y
+61.1%
1Y
-10.7%
6M
+6.0%
1M
-8.0%
1W
-7.2%
LPL
LPL Financial Holdings Inc.
Peer
5Y
+123.1%
3Y
+60.7%
1Y
+3.9%
6M
+1.5%
1M
+11.4%
1W
+9.3%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
42.76
PEG Ratio
4.34
P/B Ratio
7.25
P/S Ratio
8.97
EV/Revenue
8.25
EV/EBITDA
-261.06
Market Cap
$24.64B
Profitability
Profit margins and return metrics
Profit Margin
-2.53%
Operating Margin
7.17%
Gross Margin
8.67%
ROE
-2.76%
ROA
-0.1%
Growth
Revenue and earnings growth rates
Revenue Growth
+76.9%
Earnings Growth
+880.2%
Q/Q Revenue Growth
+76.92%
Q/Q Earnings Growth
+4191.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.02
Low debt
Current Ratio
1.03
Good
Quick Ratio
0.03
Poor
Cash/Share
$6.3
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.8B
Gross Margin
22.4%
Op. Margin
7.3%
Net Margin
17.3%
Total Assets
$78.7B
Liabilities
$75.4B
Equity
$3.3B
Debt/Equity
22.64x
Operating CF
$0.2B
CapEx
$-0.0B
Free Cash Flow
$0.2B
FCF Yield
94%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-11
$N/A
2026-02-25
$0.56
+128.9% surprise
2025-11-12
$0.64
+249.0% surprise
2025-08-12
$-4.48
-450.4% surprise
Financial Services Sector Comparison
Comparing CRCL against 653 companies in the Financial Services sector
(117 bullish, 269 neutral, 267 bearish)
Return on Equity (ROE)
-2.76%
This Stock
vs
-0.94%
Sector Avg
+194.5%
(Excellent)
Profit Margin
-2.53%
This Stock
vs
58.65%
Sector Avg
-104.3%
(Weaker)
Debt to Equity
0.02
This Stock
vs
1.52
Sector Avg
-99.0%
(Less Debt)
Revenue Growth
76.9%
This Stock
vs
42.21%
Sector Avg
+82.2%
(Fast Growth)
Current Ratio
1.03
This Stock
vs
3.58
Sector Avg
-71.2%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CRCL
Circle Internet Group
|
BEARISH | $24.64B | - | -2.8% | -2.5% | $99.66 | |
|
SOFI
SoFi Technologies, Inc.
|
NEUTRAL | $24.78B | 49.82 | 5.7% | 13.4% | $19.43 | Compare |
|
CINF
Cincinnati Financial Corporation
|
BULLISH | $24.94B | 10.56 | 16.0% | 18.9% | $160.18 | Compare |
|
TW
Tradeweb Markets Inc.
|
NEUTRAL | $25.1B | 30.45 | 13.6% | 39.6% | $115.12 | Compare |
|
LPLA
LPL Financial Holdings Inc.
|
NEUTRAL | $25.81B | 29.5 | 20.9% | 5.2% | $321.89 | Compare |
CRCL
Circle Internet Group
BEARISH
Mkt Cap
$24.6B
P/E
-
ROE
-2.8%
Price
$99.66
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-21 | CHANDHOK NIKHIL | Chief Technology Officer | Sale | 10,000 | $1,040,000 |
| 2026-04-21 | CHANDHOK NIKHIL | Chief Technology Officer | Option Exercise | 10,000 | $258,100 |
| 2026-04-13 | TARBERT HEATH | President | Sale | 15,000 | $1,425,646 |
| 2026-04-07 | DATE RAJEEV V | Director | Sale | 3,819 | $357,688 |
| 2026-04-07 | DATE RAJEEV V | Director | Option Exercise | 3,819 | $306 |
| 2026-04-06 | BURNS M MICHELE | Director | Sale | 1,666 | $153,905 |
| 2026-04-02 | FOX-GEEN JEREMY | Chief Financial Officer | Sale | 11,438 | $1,087,308 |
| 2026-04-02 | SCHULZ TAMARA L | Officer | Sale | 1,194 | $104,571 |
| 2026-04-01 | FOX-GEEN JEREMY | Chief Financial Officer | Option Exercise | 7,200 | $72,792 |
| 2026-04-01 | NEVILLE PATRICK SEAN | Director | Sale | 35,000 | $3,431,400 |
| 2026-04-01 | NEVILLE PATRICK SEAN | Director | Stock Award | 35,000 | - |
| 2026-04-01 | ALLAIRE JEREMY D | Chief Executive Officer | Option Exercise | 2,434 | $220,861 |
| 2026-03-23 | CHANDHOK NIKHIL | Officer | Sale | 10,000 | $1,230,800 |
| 2026-03-23 | CHANDHOK NIKHIL | Officer | Option Exercise | 10,000 | $258,100 |
| 2026-03-16 | KOENIGSBAUER KIRK JAMES | Director | Stock Award | 3,466 | - |
CHANDHOK NIKHIL
Chief Technology Officer
2026-04-21
10,000 shares
·
$1,040,000
CHANDHOK NIKHIL
Chief Technology Officer
2026-04-21
10,000 shares
·
$258,100
TARBERT HEATH
President
2026-04-13
15,000 shares
·
$1,425,646
DATE RAJEEV V
Director
2026-04-07
3,819 shares
·
$357,688
DATE RAJEEV V
Director
2026-04-07
3,819 shares
·
$306
BURNS M MICHELE
Director
2026-04-06
1,666 shares
·
$153,905
FOX-GEEN JEREMY
Chief Financial Officer
2026-04-02
11,438 shares
·
$1,087,308
SCHULZ TAMARA L
Officer
2026-04-02
1,194 shares
·
$104,571
FOX-GEEN JEREMY
Chief Financial Officer
2026-04-01
7,200 shares
·
$72,792
NEVILLE PATRICK SEAN
Director
2026-04-01
35,000 shares
·
$3,431,400
NEVILLE PATRICK SEAN
Director
2026-04-01
35,000 shares
ALLAIRE JEREMY D
Chief Executive Officer
2026-04-01
2,434 shares
·
$220,861
CHANDHOK NIKHIL
Officer
2026-03-23
10,000 shares
·
$1,230,800
CHANDHOK NIKHIL
Officer
2026-03-23
10,000 shares
·
$258,100
KOENIGSBAUER KIRK JAMES
Director
2026-03-16
3,466 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
21 analysts
Compass Point
2026-04-09
Neutral
Sell
Canaccord Genuity
2026-03-25
Buy
Buy
Clear Street
2026-03-18
Buy
Buy
Baird
2026-03-17
Outperform
Outperform
Clear Street
2026-03-16
Hold
Buy
Mizuho
2026-03-13
Neutral
Neutral
Mizuho
2026-03-03
Neutral
Neutral
Wells Fargo
2026-02-26
Overweight
Overweight
Needham
2026-02-26
Buy
Buy
Canaccord Genuity
2026-02-26
Buy
Buy
Past News Coverage
Recent headlines mentioning CRCL from our newsroom.
Newest → oldest
No matching news yet.