BCH vs. CRCL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at BCH and CRCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
BCH trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, CRCL is a standard domestic listing.
| Symbol | BCH | CRCL |
|---|---|---|
| Company Name | Banco de Chile | Circle Internet Group |
| Country | Chile | United States |
| GICS Sector | Financials | Information Technology |
| GICS Industry | Banks | Software |
| Market Capitalization | 14.97 billion USD | 37.93 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | August 2, 2002 | June 5, 2025 |
| Security Type | ADR | Common Stock |
Historical Performance
This chart compares the performance of BCH 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.
Historical Performance at a Glance
| Symbol | BCH | CRCL |
|---|---|---|
| 5-Day Price Return | 2.73% | 0.15% |
| 13-Week Price Return | -2.28% | -- |
| 26-Week Price Return | 13.14% | -- |
| 52-Week Price Return | 26.67% | -- |
| Month-to-Date Return | 3.90% | -16.54% |
| Year-to-Date Return | 23.13% | 84.02% |
| 10-Day Avg. Volume | 79.51M | 12.89M |
| 3-Month Avg. Volume | 103.96M | 28.46M |
| 3-Month Volatility | 16.92% | -- |
| Beta | 0.88 | -5.76 |
Profitability
Return on Equity (TTM)
BCH
22.69%
Banks Industry
- Max
- 26.37%
- Q3
- 15.92%
- Median
- 12.25%
- Q1
- 8.69%
- Min
- 0.15%
In the upper quartile for the Banks industry, BCH’s Return on Equity of 22.69% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
CRCL
--
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
Return on Equity data for CRCL is currently unavailable.
Net Profit Margin (TTM)
BCH
34.28%
Banks Industry
- Max
- 54.20%
- Q3
- 35.70%
- Median
- 28.97%
- Q1
- 22.53%
- Min
- 6.98%
BCH’s Net Profit Margin of 34.28% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.
CRCL
--
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
Net Profit Margin data for CRCL is currently unavailable.
Operating Profit Margin (TTM)
BCH
43.16%
Banks Industry
- Max
- 63.35%
- Q3
- 44.59%
- Median
- 37.24%
- Q1
- 28.25%
- Min
- 13.37%
BCH’s Operating Profit Margin of 43.16% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.
CRCL
--
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
Operating Profit Margin data for CRCL is currently unavailable.
Profitability at a Glance
| Symbol | BCH | CRCL |
|---|---|---|
| Return on Equity (TTM) | 22.69% | -- |
| Return on Assets (TTM) | 2.35% | -- |
| Net Profit Margin (TTM) | 34.28% | -- |
| Operating Profit Margin (TTM) | 43.16% | -- |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
BCH
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
CRCL
1.02
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
CRCL’s Current Ratio of 1.02 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.
Debt-to-Equity Ratio (MRQ)
BCH
2.40
Banks Industry
- Max
- 4.75
- Q3
- 2.62
- Median
- 1.02
- Q1
- 0.39
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
CRCL
0.02
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
CRCL’s Debt-to-Equity Ratio of 0.02 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.
Interest Coverage Ratio (TTM)
BCH
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.
CRCL
--
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
Interest Coverage Ratio data for CRCL is currently unavailable.
Financial Strength at a Glance
| Symbol | BCH | CRCL |
|---|---|---|
| Current Ratio (MRQ) | -- | 1.02 |
| Quick Ratio (MRQ) | -- | 1.02 |
| Debt-to-Equity Ratio (MRQ) | 2.40 | 0.02 |
| Interest Coverage Ratio (TTM) | -- | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
BCH
7.08%
Banks Industry
- Max
- 10.27%
- Q3
- 5.83%
- Median
- 3.81%
- Q1
- 2.50%
- Min
- 0.00%
With a Dividend Yield of 7.08%, BCH offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.
CRCL
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- 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.
Dividend Payout Ratio (TTM)
BCH
302.60%
Banks Industry
- Max
- 147.07%
- Q3
- 80.55%
- Median
- 54.40%
- Q1
- 35.71%
- Min
- 0.00%
At 302.60%, BCH’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Banks industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.
CRCL
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- 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.
Dividend at a Glance
| Symbol | BCH | CRCL |
|---|---|---|
| Dividend Yield (TTM) | 7.08% | 0.00% |
| Dividend Payout Ratio (TTM) | 302.60% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
BCH
11.35
Banks Industry
- Max
- 20.05
- Q3
- 12.65
- Median
- 10.21
- Q1
- 7.54
- Min
- 2.74
BCH’s P/E Ratio of 11.35 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
CRCL
--
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
P/E Ratio data for CRCL is currently unavailable.
Price-to-Sales Ratio (TTM)
BCH
2.76
Banks Industry
- Max
- 5.06
- Q3
- 2.98
- Median
- 2.24
- Q1
- 1.59
- Min
- 0.45
The P/S Ratio is often not a primary valuation tool in the Banks industry.
CRCL
--
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
P/S Ratio data for CRCL is currently unavailable.
Price-to-Book Ratio (MRQ)
BCH
2.34
Banks Industry
- Max
- 2.18
- Q3
- 1.36
- Median
- 1.09
- Q1
- 0.81
- Min
- 0.20
At 2.34, BCH’s P/B Ratio is at an extreme premium to the Banks 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
--
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
P/B Ratio data for CRCL is currently unavailable.
Valuation at a Glance
| Symbol | BCH | CRCL |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 11.35 | -- |
| Price-to-Sales Ratio (TTM) | 2.76 | -- |
| Price-to-Book Ratio (MRQ) | 2.34 | -- |
| Price-to-Free Cash Flow Ratio (TTM) | 6.07 | -- |