CRCL

Financial Services

Circle Internet Group · Financial - Capital Markets · $17B

UQS Score — Balanced Preset
45.2
Below Average

Circle Internet Group scores 45.2/100 using the Balanced preset.

UQS vs Financial Services Sector
CRCL
45.2
Sector avg
39.7
Quality
Weak
Moat
Neutral
Growth
Strong
Risk
Neutral
Valuation
Neutral

CRCL Price History

-64.4% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Circle Internet Group?

$
Today it would be worth
$3,356
That's a -66.4% total return, or -66.4% annualized.

Based on Circle Internet Group's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

Unlock Full CRCL Analysis

Sign in to unlock the detailed analysis behind the UQS Score.

  • Detailed 6-pillar UQS breakdown with exact scores
  • All 29 metrics with sector-calibrated comparisons
  • 6 investor presets (Buffett, Munger, Lynch, Wood, Graham, Balanced)
  • Watchlist tracking with score alerts
  • AI-generated investment perspectives across 6 preset views
  • Score history chart with change notifications
Analyze CRCL in Detail →

Pro Analysis

CRCL — Score History

303540455055Apr 10Apr 28May 16Jun 3Jun 21Jul 8v5
Score changes· 30/50 most recent
DateUQSQualityMoatGrowthRiskValueChange
Jul 8, 202645.29.142.085.044.158.4+0.4
Jul 7, 202644.88.742.085.044.156.8-0.4
Jul 3, 202645.29.242.085.044.158.7-0.3
Jul 2, 202645.59.642.085.044.159.9+0.1
Jul 1, 202645.49.542.085.044.159.6+1.2
Jun 30, 202644.28.142.085.044.153.5-0.1
Jun 27, 202644.38.142.085.044.154.6-0.2
Jun 26, 202644.58.742.085.044.154.5+0.4
Jun 24, 202644.17.942.085.044.153.7+0.4
Jun 21, 202643.77.442.085.044.151.70.0

CRCL — Pillar Breakdown

Quality

9.1/100 (25%)

Circle Internet Group currently shows below-average quality metrics, suggesting challenges with profitability.

Return on EquityWeak

Profitability relative to shareholders' equity.

Operating ProfitabilityWeak

Ability to convert revenue into operating profit.

Net ProfitabilityWeak

Bottom-line profit as a share of revenue.

Cash GenerationWeak

Free cash flow relative to market value.

Growth

85.0/100 (20%)

Circle Internet Group is growing rapidly with strong revenue and earnings expansion.

Recent Revenue TrendStrong

Revenue trajectory over the last twelve months.

3Y Revenue CAGRStrong

Compound annual revenue growth rate over 3 years.

EPS GrowthWeak

Year-over-year earnings per share growth.

Forward Revenue OutlookStrong

Analyst consensus for future revenue growth.

Forward EPS GrowthStrong

Analyst consensus for future earnings growth.

Risk

44.1/100 (15%)

Circle Internet Group has some risk factors including moderate leverage or solvency concerns.

Debt/EquityStrong

Total debt relative to shareholder equity.

Current RatioWeak

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageWeak

Earnings capacity relative to interest payments.

Valuation

58.4/100 (15%)

Circle Internet Group trades at a reasonable valuation with decent earnings yield and FCF multiples.

Earnings YieldWeak

Inverse of forward P/E — higher yield means cheaper stock.

Price to Free Cash FlowModerate

How many years of FCF the market cap represents.

PEG RatioStrong

P/E relative to earnings growth — lower is more attractive.

Moat

42/100 (25%)

Circle Internet Group possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CRCL.

Score Composition

Quality
9.1×25%2.3
Growth
85.0×20%17.0
Risk
44.1×15%6.6
Valuation
58.4×15%8.8
Moat
42.0×25%10.5
Total
45.2Below Average

Financial Data

More Stock Analysis

How is the CRCL UQS Score Calculated?

The UQS (Unified Quality Score) for Circle Internet Group is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Circle Internet Group's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Circle Internet Group is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.