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

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

Company Profile

SymbolCCRCL
Company NameCitigroup Inc.Circle Internet Group
CountryUnited StatesUnited States
GICS SectorFinancialsInformation Technology
GICS IndustryBanksSoftware
Market Capitalization171.52 billion USD34.59 billion USD
ExchangeNYSENYSE
Listing DateJanuary 3, 1977June 5, 2025
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of C 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.

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

Historical Performance at a Glance

SymbolCCRCL
5-Day Price Return-2.40%-1.02%
13-Week Price Return22.38%--
26-Week Price Return13.48%--
52-Week Price Return50.20%--
Month-to-Date Return-0.57%-24.91%
Year-to-Date Return32.36%65.58%
10-Day Avg. Volume13.25M15.19M
3-Month Avg. Volume14.21M27.09M
3-Month Volatility23.41%--
Beta1.37-5.87

Profitability

Return on Equity (TTM)

C

6.72%

Banks Industry

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

C’s Return on Equity of 6.72% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

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.

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

Net Profit Margin (TTM)

C

17.37%

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, C’s Net Profit Margin of 17.37% 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
48.14%
Q3
18.23%
Median
5.60%
Q1
-9.22%
Min
-49.36%

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.

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

Operating Profit Margin (TTM)

C

23.02%

Banks Industry

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

C’s Operating Profit Margin of 23.02% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

CRCL

-2.10%

Software Industry

Max
57.34%
Q3
20.60%
Median
7.84%
Q1
-8.72%
Min
-51.37%

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.

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

Profitability at a Glance

SymbolCCRCL
Return on Equity (TTM)6.72%--
Return on Assets (TTM)0.57%--
Net Profit Margin (TTM)17.37%-8.98%
Operating Profit Margin (TTM)23.02%-2.10%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

C

--

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

1.03

Software Industry

Max
3.83
Q3
2.31
Median
1.45
Q1
1.03
Min
0.24

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.

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

Debt-to-Equity Ratio (MRQ)

C

3.38

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

0.09

Software Industry

Max
2.14
Q3
0.90
Median
0.29
Q1
0.00
Min
0.00

CRCL’s Debt-to-Equity Ratio of 0.09 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.

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

Interest Coverage Ratio (TTM)

C

--

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.

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

Financial Strength at a Glance

SymbolCCRCL
Current Ratio (MRQ)--1.03
Quick Ratio (MRQ)--1.03
Debt-to-Equity Ratio (MRQ)3.380.09
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

C 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

C 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)

C

3.09%

Banks Industry

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

C’s Dividend Yield of 3.09% 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.

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

Dividend Payout Ratio (TTM)

C

37.43%

Banks Industry

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

C’s Dividend Payout Ratio of 37.43% 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.

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

Dividend at a Glance

SymbolCCRCL
Dividend Yield (TTM)3.09%0.00%
Dividend Payout Ratio (TTM)37.43%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

C

12.11

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

C’s P/E Ratio of 12.11 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.

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

Price-to-Sales Ratio (TTM)

C

1.10

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

10.95

Software Industry

Max
25.24
Q3
13.52
Median
8.15
Q1
4.87
Min
0.98

CRCL’s P/S Ratio of 10.95 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.

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

Price-to-Book Ratio (MRQ)

C

0.73

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

C’s P/B Ratio of 0.73 is in the lower quartile for the Banks 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
30.95
Q3
14.91
Median
7.75
Q1
3.60
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.

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

Valuation at a Glance

SymbolCCRCL
Price-to-Earnings Ratio (TTM)12.11--
Price-to-Sales Ratio (TTM)1.1010.95
Price-to-Book Ratio (MRQ)0.7317.02
Price-to-Free Cash Flow Ratio (TTM)7.4365.02