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

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

Company Profile

SymbolCFGCRCL
Company NameCitizens Financial Group, Inc.Circle Internet Group
CountryUnited StatesUnited States
GICS SectorFinancialsInformation Technology
GICS IndustryBanksSoftware
Market Capitalization22.56 billion USD18.15 billion USD
ExchangeNYSENYSE
Listing DateSeptember 24, 2014June 5, 2025
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CFG 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.

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

Historical Performance at a Glance

SymbolCFGCRCL
5-Day Price Return-1.92%-18.27%
13-Week Price Return4.62%-49.22%
26-Week Price Return21.93%--
52-Week Price Return10.10%--
Month-to-Date Return-0.33%-47.29%
Year-to-Date Return15.86%-19.58%
10-Day Avg. Volume3.73M24.51M
3-Month Avg. Volume4.48M13.22M
3-Month Volatility27.64%88.35%
Beta1.100.01

Profitability

Return on Equity (TTM)

CFG

6.80%

Banks Industry

Max
25.75%
Q3
15.51%
Median
11.91%
Q1
8.65%
Min
-1.41%

CFG’s Return on Equity of 6.80% 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
65.88%
Q3
22.54%
Median
10.46%
Q1
-6.54%
Min
-41.05%

Return on Equity data for CRCL is currently unavailable.

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

Net Profit Margin (TTM)

CFG

24.56%

Banks Industry

Max
54.20%
Q3
35.60%
Median
28.95%
Q1
22.27%
Min
2.66%

CFG’s Net Profit Margin of 24.56% 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

-1.29%

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 -1.29%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

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

Operating Profit Margin (TTM)

CFG

31.45%

Banks Industry

Max
63.35%
Q3
44.30%
Median
37.14%
Q1
28.21%
Min
12.28%

CFG’s Operating Profit Margin of 31.45% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

CRCL

0.60%

Software Industry

Max
61.99%
Q3
23.67%
Median
10.93%
Q1
-3.57%
Min
-40.19%

CRCL’s Operating Profit Margin of 0.60% is around the midpoint for the Software industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolCFGCRCL
Return on Equity (TTM)6.80%--
Return on Assets (TTM)0.78%--
Net Profit Margin (TTM)24.56%-1.29%
Operating Profit Margin (TTM)31.45%0.60%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

CFG

--

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
4.01
Q3
2.27
Median
1.50
Q1
1.03
Min
0.25

CRCL’s Current Ratio of 1.03 aligns with the median group of the Software industry, indicating that its short-term liquidity is in line with its sector peers.

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

Debt-to-Equity Ratio (MRQ)

CFG

0.41

Banks Industry

Max
5.78
Q3
2.55
Median
0.94
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

0.05

Software Industry

Max
2.04
Q3
0.86
Median
0.29
Q1
0.00
Min
0.00

CRCL’s Debt-to-Equity Ratio of 0.05 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.

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

Interest Coverage Ratio (TTM)

CFG

--

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
89.65
Q3
33.82
Median
1.59
Q1
-10.48
Min
-71.23

Interest Coverage Ratio data for CRCL is currently unavailable.

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

Financial Strength at a Glance

SymbolCFGCRCL
Current Ratio (MRQ)--1.03
Quick Ratio (MRQ)--1.03
Debt-to-Equity Ratio (MRQ)0.410.05
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CFG 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

CFG 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)

CFG

4.05%

Banks Industry

Max
9.92%
Q3
5.44%
Median
3.78%
Q1
2.38%
Min
0.00%

CFG’s Dividend Yield of 4.05% 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
0.34%
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.

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

Dividend Payout Ratio (TTM)

CFG

51.70%

Banks Industry

Max
135.42%
Q3
78.13%
Median
52.54%
Q1
35.48%
Min
0.00%

CFG’s Dividend Payout Ratio of 51.70% 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
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.

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

Dividend at a Glance

SymbolCFGCRCL
Dividend Yield (TTM)4.05%0.00%
Dividend Payout Ratio (TTM)51.70%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

CFG

12.78

Banks Industry

Max
21.36
Q3
13.70
Median
10.55
Q1
8.08
Min
2.84

CFG’s P/E Ratio of 12.78 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
142.78
Q3
72.24
Median
36.21
Q1
24.24
Min
4.55

P/E Ratio data for CRCL is currently unavailable.

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

Price-to-Sales Ratio (TTM)

CFG

1.48

Banks Industry

Max
4.90
Q3
2.97
Median
2.24
Q1
1.58
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

CRCL

4.60

Software Industry

Max
20.79
Q3
12.71
Median
6.75
Q1
4.56
Min
0.87

CRCL’s P/S Ratio of 4.60 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.

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

Price-to-Book Ratio (MRQ)

CFG

0.89

Banks Industry

Max
2.14
Q3
1.43
Median
1.13
Q1
0.87
Min
0.25

CFG’s P/B Ratio of 0.89 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

10.08

Software Industry

Max
30.49
Q3
14.84
Median
8.09
Q1
4.32
Min
0.38

CRCL’s P/B Ratio of 10.08 is within the conventional range for the Software 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.

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

Valuation at a Glance

SymbolCFGCRCL
Price-to-Earnings Ratio (TTM)12.78--
Price-to-Sales Ratio (TTM)1.484.60
Price-to-Book Ratio (MRQ)0.8910.08
Price-to-Free Cash Flow Ratio (TTM)7.3834.24