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

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

Company Profile

SymbolBNTCRCL
Company NameBrookfield Wealth Solutions Ltd.Circle Internet Group
CountryBermudaUnited States
GICS SectorFinancialsInformation Technology
GICS IndustryInsuranceSoftware
Market Capitalization13.31 billion USD19.93 billion USD
ExchangeNYSENYSE
Listing DateJune 28, 2021June 5, 2025
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of BNT 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.

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

Historical Performance at a Glance

SymbolBNTCRCL
5-Day Price Return-4.34%-21.34%
13-Week Price Return1.88%-45.14%
26-Week Price Return12.59%--
52-Week Price Return13.96%--
Month-to-Date Return-4.58%-35.51%
Year-to-Date Return11.96%-1.61%
10-Day Avg. Volume0.08M19.27M
3-Month Avg. Volume0.06M13.25M
3-Month Volatility26.36%88.22%
Beta1.910.01

Profitability

Return on Equity (TTM)

BNT

6.12%

Insurance Industry

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

BNT’s Return on Equity of 6.12% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

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.

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

Net Profit Margin (TTM)

BNT

5.50%

Insurance Industry

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

Falling into the lower quartile for the Insurance industry, BNT’s Net Profit Margin of 5.50% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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.

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

Operating Profit Margin (TTM)

BNT

28.76%

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.

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

Profitability at a Glance

SymbolBNTCRCL
Return on Equity (TTM)6.12%--
Return on Assets (TTM)0.56%--
Net Profit Margin (TTM)5.50%-8.98%
Operating Profit Margin (TTM)28.76%-2.10%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

BNT

0.13

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.

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

Debt-to-Equity Ratio (MRQ)

BNT

0.31

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.

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

Interest Coverage Ratio (TTM)

BNT

1.58

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.

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

Financial Strength at a Glance

SymbolBNTCRCL
Current Ratio (MRQ)0.131.03
Quick Ratio (MRQ)0.131.03
Debt-to-Equity Ratio (MRQ)0.310.09
Interest Coverage Ratio (TTM)1.58--

Growth

Revenue Growth

BNT 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

BNT 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)

BNT

0.00%

Insurance Industry

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

BNT 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.

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.

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

Dividend Payout Ratio (TTM)

BNT

0.00%

Insurance Industry

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

BNT 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.

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.

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

Dividend at a Glance

SymbolBNTCRCL
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

BNT

16.98

Insurance Industry

Max
27.66
Q3
17.29
Median
12.59
Q1
9.86
Min
3.13

BNT’s P/E Ratio of 16.98 is within the middle range for the Insurance 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
142.78
Q3
72.24
Median
36.21
Q1
24.24
Min
4.55

P/E Ratio data for CRCL is currently unavailable.

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

Price-to-Sales Ratio (TTM)

BNT

0.93

Insurance Industry

Max
3.39
Q3
1.95
Median
1.25
Q1
0.83
Min
0.22

BNT’s P/S Ratio of 0.93 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

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.

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

Price-to-Book Ratio (MRQ)

BNT

0.17

Insurance Industry

Max
4.36
Q3
2.47
Median
1.77
Q1
1.18
Min
0.17

BNT’s P/B Ratio of 0.17 is in the lower quartile for the Insurance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

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.

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

Valuation at a Glance

SymbolBNTCRCL
Price-to-Earnings Ratio (TTM)16.98--
Price-to-Sales Ratio (TTM)0.936.19
Price-to-Book Ratio (MRQ)0.1717.02
Price-to-Free Cash Flow Ratio (TTM)3.2536.77