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

Updated on August 22, 2025

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

Company Profile

Symbol	BMO	CRCL
Company Name	Bank of Montreal	Circle Internet Group
Country	Canada	United States
GICS Sector	Financials	Information Technology
GICS Industry	Banks	Software
Market Capitalization	82.81 billion USD	37.93 billion USD
Exchange	NYSE	NYSE
Listing Date	October 27, 1994	June 5, 2025
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of BMO 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.

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

Historical Performance at a Glance

Symbol	BMO	CRCL
5-Day Price Return	0.87%	0.15%
13-Week Price Return	12.51%	--
26-Week Price Return	10.65%	--
52-Week Price Return	39.54%	--
Month-to-Date Return	2.05%	-16.54%
Year-to-Date Return	11.84%	84.02%
10-Day Avg. Volume	3.32M	12.89M
3-Month Avg. Volume	3.04M	28.46M
3-Month Volatility	10.93%	--
Beta	1.07	-5.76

Profitability

Return on Equity (TTM)

BMO

9.70%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

BMO’s Return on Equity of 9.70% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

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.

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

Net Profit Margin (TTM)

BMO

21.68%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, BMO’s Net Profit Margin of 21.68% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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.

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

Operating Profit Margin (TTM)

BMO

28.81%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

BMO’s Operating Profit Margin of 28.81% 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.

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

Profitability at a Glance

Symbol	BMO	CRCL
Return on Equity (TTM)	9.70%	--
Return on Assets (TTM)	0.58%	--
Net Profit Margin (TTM)	21.68%	--
Operating Profit Margin (TTM)	28.81%	--
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

BMO

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.

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

Debt-to-Equity Ratio (MRQ)

BMO

2.73

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.

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

Interest Coverage Ratio (TTM)

BMO

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.

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

Financial Strength at a Glance

Symbol	BMO	CRCL
Current Ratio (MRQ)	--	1.02
Quick Ratio (MRQ)	--	1.02
Debt-to-Equity Ratio (MRQ)	2.73	0.02
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

BMO 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

BMO 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)

BMO

4.38%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

BMO’s Dividend Yield of 4.38% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

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.

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

Dividend Payout Ratio (TTM)

BMO

59.72%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

BMO’s Dividend Payout Ratio of 59.72% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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.

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

Dividend at a Glance

Symbol	BMO	CRCL
Dividend Yield (TTM)	4.38%	0.00%
Dividend Payout Ratio (TTM)	59.72%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

BMO

13.64

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

A P/E Ratio of 13.64 places BMO in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

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.

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

Price-to-Sales Ratio (TTM)

BMO

2.38

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.

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

Price-to-Book Ratio (MRQ)

BMO

1.11

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

BMO’s P/B Ratio of 1.11 is within the conventional range for the Banks 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

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.

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

Valuation at a Glance

Symbol	BMO	CRCL
Price-to-Earnings Ratio (TTM)	13.64	--
Price-to-Sales Ratio (TTM)	2.38	--
Price-to-Book Ratio (MRQ)	1.11	--
Price-to-Free Cash Flow Ratio (TTM)	6.89	--