Stocks · Financial Services · Financial - Capital Markets
Circle Internet Group CRCL
$81.25 -2.00% Close, Oct 2, 2026 · NYSE · Market cap $21.72B
Strong growthWeak trendHigh risk
Next earnings report: Nov 11, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 8.2% from -7.9% a year earlier.
- The diluted share count rose 149.9% in a year.
- Revenue over the last four quarters was $2.91B, up 37.2% from a year earlier, slowing from 51.5% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 11%
- FCF growth (TTM, YoY)Top 29%
- Revenue growth, 3-year CAGRTop 5%
- Revenue growth accelerationBottom 13%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 23%
- Gross marginBottom 5%
- Operating marginBottom 18%
- Cash conversion (OCF / net income)Top 24%
- Accruals (lower is better)Top 44%
- Net debt / EBITDA (lower is better)Top 7%
- Interest coverTop 1%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 26%
- Free-cash-flow yieldBottom 31%
- EBITDA / enterprise valueBottom 30%
- Sales / enterprise valueBottom 18%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 7%
- 6-month returnBottom 10%
- 1-year return vs S&P 500Bottom 8%
- Distance from 52-week highBottom 7%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 2%
- Consecutive EPS beatsTop 29%
- Share of analysts rating BuyTop 42%
- Upside to consensus price targetBottom 49%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 4%
- Maximum drawdown, 3 yearsBottom 4%
- Beta vs S&P 500 (lower is better)Bottom 15%
- Net debt / EBITDA (lower is better)Top 7%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 51.5% | 37.2% | ↓ |
| Gross margin | 4.1% | 20.0% | ↑ |
| Operating margin | -7.9% | 8.2% | ↑ |
| FCF margin | 23.9% | 26.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 37.2% | 51.5% | ↓ | Top 11% |
| Gross margin | 20.0% | 4.1% | ↑ | Bottom 5% |
| Operating margin | 8.2% | -7.9% | ↑ | Bottom 18% |
| Net margin | 15.5% | -16.2% | ↑ | — |
| Free-cash-flow margin | 26.7% | 23.9% | ↑ | — |
| Return on invested capital | 6.7% | — | Top 23% | |
| Revenue growth, 3-year CAGR | 52.7% | — | Top 5% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.72×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 7.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +35.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.46×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 367.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -2.38%
- Shareholder yield
- -2.38%
- Share count change, 1 year
- +149.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 4 of 5
- Average EPS surprise, last 4
- +100.0%
- Average 2-day reaction, last 8
- +34.8%
- Positive 20 days after report
- 3 of 6
Analysts
- Consensus price target
- $93.36
- Target vs current price
- +14.9%
- Analysts with a rating
- 15
- Share rating Buy or Strong Buy
- 53%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +10.6% | +0.0% | +12.5% | +41.5% | — |
| May 11, 2026 | +8.1% | +15.9% | +0.3% | -27.4% | -44.3% |
| Feb 25, 2026 | +161.6% | +35.5% | +62.3% | +64.9% | +81.9% |
| Nov 12, 2025 | +234.7% | -12.2% | -22.1% | -10.1% | -38.9% |
| Aug 12, 2025 | -307.3% | +1.3% | -12.2% | -26.8% | -31.0% |
| Jun 5, 2025 | — | +168.5% | +278.1% | +508.9% | +325.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $0.18 | $0.16 | +10.6% | $701.3M |
| May 11, 2026 | $0.21 | $0.19 | +8.1% | $694.1M |
| Feb 25, 2026 | $0.43 | $0.16 | +161.6% | $770.2M |
| Nov 12, 2025 | $0.64 | $0.19 | +234.7% | $739.8M |
| Aug 12, 2025 | -$4.48 | -$1.10 | -307.3% | $658.1M |
| Jun 5, 2025 | $0.29 | — | — | $578.6M |
| May 16, 2025 | $0.29 | — | — | $578.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 43.2× | — | — | Bottom 26% |
| P/E (forward) | 75.2× | — | — | — |
| EV / EBITDA | 40.0× | — | — | Bottom 30% |
| EV / Sales | 6.88× | — | — | Bottom 18% |
| Free-cash-flow yield | 3.58% | — | — | Bottom 31% |
| Earnings yield | 2.31% | — | — | Bottom 26% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- +13.4%
- 200-day average slope (20 days)
- +1.3%
- Distance from 50-day average
- -0.2%
- Distance from 200-day average
- -5.6%
- RSI (14)
- 43.8
- Relative volume
- 1.00×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 84.9%
- Volatility vs own 5-year history
- 18th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.13
- Correlation with S&P 500
- 0.12
- Current drawdown from 1-year high
- -46.0%
- Maximum drawdown, 3 years
- -80.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 23, 2025 | Feb 5, 2026 | -80.9% | 157 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $21.72B
- P/E (TTM)
- 43.2
- EPS, diluted (TTM)
- $1.88
- Revenue (TTM)
- $2.91B
- 52-week range
- $49.90 – $159.47
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $84.9M | $772.1M | $1.45B | $1.68B | $2.75B |
| Gross profit | -$25.9M | $249.7M | $426.7M | $395.5M | $238.1M |
| Operating income | -$86.1M | -$38.1M | $269.5M | $167.2M | -$91.1M |
| Net income | -$508.2M | -$768.8M | $267.6M | $155.7M | -$69.5M |
| EPS (diluted) | -$11.46 | -$16.48 | $3.96 | $2.13 | -$0.29 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $445.8M | $435.4M | $578.6M | $658.1M | $739.8M | $770.2M | $694.1M | $701.3M |
| Net income | $71.0M | $3.1M | $64.8M | -$482.1M | $214.4M | $133.4M | $55.3M | $48.2M |
| EPS (diluted) | $0.97 | $0.04 | $0.86 | -$4.48 | $0.92 | $0.55 | $0.23 | $0.18 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$92.3M | -$72.7M | $139.6M | $344.6M | $542.1M |
| Capital expenditure | -$7.9M | -$18.3M | -$32.9M | -$39.1M | -$12.4M |
| Free cash flow | -$100.2M | -$91.0M | $106.7M | $305.5M | $529.7M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $482,000 | $486,000 | -$7.7M | $1.6M | $1.06B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.73B
- Total assets
- $77.17B
- Total liabilities
- $73.66B
- Total debt
- $0
- Net debt
- -$1.73B
- Shareholders’ equity
- $3.51B
As of Jun 30, 2026 (filed Aug 5, 2026).
Short interest
- Shares sold short
- 22,038,915
- Days to cover
- 1.55
- Change vs previous report
- +7.0%
FINRA short interest, settlement date Sep 15, 2026.