ACGL vs. CRCL: A Head-to-Head Stock Comparison

Updated on October 7, 2025

Here’s a clear look at ACGL and CRCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	ACGL	CRCL
Company Name	Arch Capital Group Ltd.	Circle Internet Group
Country	Bermuda	United States
GICS Sector	Financials	Information Technology
GICS Industry	Insurance	Software
Market Capitalization	33.88 billion USD	36.50 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	September 14, 1995	June 5, 2025
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of ACGL and CRCL by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

ACGL vs. CRCL: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	ACGL	CRCL
5-Day Price Return	1.07%	9.07%
13-Week Price Return	1.79%	-22.77%
26-Week Price Return	-5.60%	--
52-Week Price Return	-20.18%	--
Month-to-Date Return	0.07%	9.96%
Year-to-Date Return	-1.69%	75.15%
10-Day Avg. Volume	1.94M	10.65M
3-Month Avg. Volume	2.15M	21.16M
3-Month Volatility	21.80%	96.16%
Beta	0.47	-3.62

Profitability

Return on Equity (TTM)

ACGL

17.03%

Insurance Industry

Max: 30.96%
Q3: 18.76%
Median: 14.22%
Q1: 10.34%
Min: 1.73%

ACGL’s Return on Equity of 17.03% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

CRCL

Software Industry

Max: 66.28%
Q3: 21.28%
Median: 9.33%
Q1: -8.77%
Min: -48.16%

Return on Equity data for CRCL is currently unavailable.

ACGL vs. CRCL: A comparison of their Return on Equity (TTM) against their respective Insurance and Software industry benchmarks.

Net Profit Margin (TTM)

ACGL

20.05%

Insurance Industry

Max: 26.78%
Q3: 14.69%
Median: 9.87%
Q1: 6.59%
Min: -3.51%

A Net Profit Margin of 20.05% places ACGL in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

CRCL

-8.98%

Software Industry

Max: 51.92%
Q3: 19.23%
Median: 6.98%
Q1: -7.14%
Min: -41.00%

CRCL has a negative Net Profit Margin of -8.98%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

ACGL vs. CRCL: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Software industry benchmarks.

Operating Profit Margin (TTM)

ACGL

20.17%

Insurance Industry

Max: 34.52%
Q3: 20.17%
Median: 14.46%
Q1: 9.62%
Min: -2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

CRCL

-2.10%

Software Industry

Max: 60.40%
Q3: 21.25%
Median: 9.90%
Q1: -4.97%
Min: -43.50%

CRCL has a negative Operating Profit Margin of -2.10%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

ACGL vs. CRCL: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Software industry benchmarks.

Profitability at a Glance

Symbol	ACGL	CRCL
Return on Equity (TTM)	17.03%	--
Return on Assets (TTM)	5.00%	--
Net Profit Margin (TTM)	20.05%	-8.98%
Operating Profit Margin (TTM)	20.17%	-2.10%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

ACGL

0.72

Insurance Industry

Max: 2.97
Q3: 1.37
Median: 0.54
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CRCL

1.03

Software Industry

Max: 4.29
Q3: 2.37
Median: 1.40
Q1: 1.03
Min: 0.25

CRCL’s Current Ratio of 1.03 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

ACGL vs. CRCL: A comparison of their Current Ratio (MRQ) against their respective Insurance and Software industry benchmarks.

Debt-to-Equity Ratio (MRQ)

ACGL

0.12

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.23
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

CRCL

0.09

Software Industry

Max: 2.16
Q3: 0.86
Median: 0.31
Q1: 0.00
Min: 0.00

CRCL’s Debt-to-Equity Ratio of 0.09 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

ACGL vs. CRCL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Software industry benchmarks.

Interest Coverage Ratio (TTM)

ACGL

6.33

Insurance Industry

Max: 43.68
Q3: 21.45
Median: 9.67
Q1: 3.55
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

CRCL

Software Industry

Max: 89.65
Q3: 32.64
Median: 1.00
Q1: -9.84
Min: -71.23

Interest Coverage Ratio data for CRCL is currently unavailable.

ACGL vs. CRCL: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Software industry benchmarks.

Financial Strength at a Glance

Symbol	ACGL	CRCL
Current Ratio (MRQ)	0.72	1.03
Quick Ratio (MRQ)	0.72	1.03
Debt-to-Equity Ratio (MRQ)	0.12	0.09
Interest Coverage Ratio (TTM)	6.33	--

Growth

Revenue Growth

ACGL vs. CRCL: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

ACGL vs. CRCL: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

ACGL

5.61%

Insurance Industry

Max: 9.80%
Q3: 5.18%
Median: 3.58%
Q1: 2.07%
Min: 0.00%

With a Dividend Yield of 5.61%, ACGL offers a more attractive income stream than most of its peers in the Insurance industry, signaling a strong commitment to shareholder returns.

CRCL

0.00%

Software Industry

Max: 0.22%
Q3: 0.11%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

CRCL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

ACGL vs. CRCL: A comparison of their Dividend Yield (TTM) against their respective Insurance and Software industry benchmarks.

Dividend Payout Ratio (TTM)

ACGL

51.23%

Insurance Industry

Max: 169.40%
Q3: 85.57%
Median: 53.26%
Q1: 23.68%
Min: 0.00%

ACGL’s Dividend Payout Ratio of 51.23% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CRCL

0.00%

Software Industry

Max: 3.29%
Q3: 2.41%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

CRCL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

ACGL vs. CRCL: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Software industry benchmarks.

Dividend at a Glance

Symbol	ACGL	CRCL
Dividend Yield (TTM)	5.61%	0.00%
Dividend Payout Ratio (TTM)	51.23%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

ACGL

9.13

Insurance Industry

Max: 30.75
Q3: 18.11
Median: 12.67
Q1: 9.66
Min: 2.87

In the lower quartile for the Insurance industry, ACGL’s P/E Ratio of 9.13 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

CRCL

Software Industry

Max: 145.74
Q3: 94.88
Median: 45.35
Q1: 26.66
Min: 8.80

P/E Ratio data for CRCL is currently unavailable.

ACGL vs. CRCL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Software industry benchmarks.

Price-to-Sales Ratio (TTM)

ACGL

1.83

Insurance Industry

Max: 3.41
Q3: 1.88
Median: 1.22
Q1: 0.80
Min: 0.23

ACGL’s P/S Ratio of 1.83 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

CRCL

11.58

Software Industry

Max: 25.67
Q3: 13.68
Median: 8.28
Q1: 4.95
Min: 0.90

CRCL’s P/S Ratio of 11.58 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

ACGL vs. CRCL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Software industry benchmarks.

Price-to-Book Ratio (MRQ)

ACGL

1.48

Insurance Industry

Max: 4.57
Q3: 2.56
Median: 1.88
Q1: 1.20
Min: 0.17

ACGL’s P/B Ratio of 1.48 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

CRCL

17.02

Software Industry

Max: 30.67
Q3: 14.92
Median: 8.52
Q1: 3.89
Min: 0.38

CRCL’s P/B Ratio of 17.02 is in the upper tier for the Software industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

ACGL vs. CRCL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Software industry benchmarks.

Valuation at a Glance

Symbol	ACGL	CRCL
Price-to-Earnings Ratio (TTM)	9.13	--
Price-to-Sales Ratio (TTM)	1.83	11.58
Price-to-Book Ratio (MRQ)	1.48	17.02
Price-to-Free Cash Flow Ratio (TTM)	5.56	68.78