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

Updated on November 21, 2025

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

Company Profile

Symbol	AON	CRCL
Company Name	Aon plc	Circle Internet Group
Country	Ireland	United States
GICS Sector	Financials	Information Technology
GICS Industry	Insurance	Software
Market Capitalization	75.61 billion USD	19.93 billion USD
Exchange	NYSE	NYSE
Listing Date	June 2, 1980	June 5, 2025
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of AON 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.

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

Historical Performance at a Glance

Symbol	AON	CRCL
5-Day Price Return	1.53%	-21.34%
13-Week Price Return	-4.60%	-45.14%
26-Week Price Return	-1.39%	--
52-Week Price Return	-9.51%	--
Month-to-Date Return	2.77%	-35.51%
Year-to-Date Return	-2.51%	-1.61%
10-Day Avg. Volume	1.18M	19.27M
3-Month Avg. Volume	1.27M	13.25M
3-Month Volatility	18.91%	88.22%
Beta	0.84	0.01

Profitability

Return on Equity (TTM)

AON

37.61%

Insurance Industry

Max: 31.64%
Q3: 19.22%
Median: 14.77%
Q1: 10.48%
Min: 2.20%

AON’s Return on Equity of 37.61% is exceptionally high, placing it well beyond the typical range for the Insurance industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

CRCL

Software Industry

Max: 65.88%
Q3: 22.54%
Median: 10.46%
Q1: -6.54%
Min: -41.05%

Return on Equity data for CRCL is currently unavailable.

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

Net Profit Margin (TTM)

AON

15.96%

Insurance Industry

Max: 28.47%
Q3: 15.63%
Median: 10.40%
Q1: 6.94%
Min: -3.51%

A Net Profit Margin of 15.96% places AON 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: 53.50%
Q3: 20.30%
Median: 9.60%
Q1: -4.98%
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.

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

Operating Profit Margin (TTM)

AON

25.37%

Insurance Industry

Max: 35.59%
Q3: 21.31%
Median: 14.99%
Q1: 10.34%
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: 61.99%
Q3: 23.67%
Median: 10.93%
Q1: -3.57%
Min: -40.19%

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.

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

Profitability at a Glance

Symbol	AON	CRCL
Return on Equity (TTM)	37.61%	--
Return on Assets (TTM)	5.31%	--
Net Profit Margin (TTM)	15.96%	-8.98%
Operating Profit Margin (TTM)	25.37%	-2.10%
Gross Profit Margin (TTM)	47.22%	--

Financial Strength

Current Ratio (MRQ)

AON

1.06

Insurance Industry

Max: 2.64
Q3: 1.19
Median: 0.53
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: 4.01
Q3: 2.27
Median: 1.50
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.

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

Debt-to-Equity Ratio (MRQ)

AON

2.11

Insurance Industry

Max: 1.10
Q3: 0.65
Median: 0.35
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: 2.04
Q3: 0.86
Median: 0.29
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.

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

Interest Coverage Ratio (TTM)

AON

6.29

Insurance Industry

Max: 49.59
Q3: 22.05
Median: 9.63
Q1: 3.42
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: 33.82
Median: 1.59
Q1: -10.48
Min: -71.23

Interest Coverage Ratio data for CRCL is currently unavailable.

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

Financial Strength at a Glance

Symbol	AON	CRCL
Current Ratio (MRQ)	1.06	1.03
Quick Ratio (MRQ)	1.05	1.03
Debt-to-Equity Ratio (MRQ)	2.11	0.09
Interest Coverage Ratio (TTM)	6.29	--

Growth

Revenue Growth

AON 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

AON 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)

AON

0.82%

Insurance Industry

Max: 9.43%
Q3: 5.10%
Median: 3.57%
Q1: 2.02%
Min: 0.00%

AON’s Dividend Yield of 0.82% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

CRCL

0.00%

Software Industry

Max: 0.34%
Q3: 0.17%
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.

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

Dividend Payout Ratio (TTM)

AON

22.59%

Insurance Industry

Max: 169.40%
Q3: 85.57%
Median: 50.55%
Q1: 22.12%
Min: 0.00%

AON’s Dividend Payout Ratio of 22.59% 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: 12.76%
Q3: 6.56%
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.

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

Dividend at a Glance

Symbol	AON	CRCL
Dividend Yield (TTM)	0.82%	0.00%
Dividend Payout Ratio (TTM)	22.59%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

AON

27.66

Insurance Industry

Max: 27.66
Q3: 17.29
Median: 12.59
Q1: 9.86
Min: 3.13

A P/E Ratio of 27.66 places AON in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

CRCL

Software Industry

Max: 142.78
Q3: 72.24
Median: 36.21
Q1: 24.24
Min: 4.55

P/E Ratio data for CRCL is currently unavailable.

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

Price-to-Sales Ratio (TTM)

AON

4.41

Insurance Industry

Max: 3.39
Q3: 1.95
Median: 1.25
Q1: 0.83
Min: 0.22

With a P/S Ratio of 4.41, AON trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

CRCL

6.19

Software Industry

Max: 20.79
Q3: 12.71
Median: 6.75
Q1: 4.56
Min: 0.87

CRCL’s P/S Ratio of 6.19 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.

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

Price-to-Book Ratio (MRQ)

AON

9.68

Insurance Industry

Max: 4.36
Q3: 2.47
Median: 1.77
Q1: 1.18
Min: 0.17

At 9.68, AON’s P/B Ratio is at an extreme premium to the Insurance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

CRCL

17.02

Software Industry

Max: 30.49
Q3: 14.84
Median: 8.09
Q1: 4.32
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.

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

Valuation at a Glance

Symbol	AON	CRCL
Price-to-Earnings Ratio (TTM)	27.66	--
Price-to-Sales Ratio (TTM)	4.41	6.19
Price-to-Book Ratio (MRQ)	9.68	17.02
Price-to-Free Cash Flow Ratio (TTM)	24.73	36.77