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

Updated on August 26, 2025

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

Company Profile

Symbol	CRCL	EG
Company Name	Circle Internet Group	Everest Group, Ltd.
Country	United States	Bermuda
GICS Sector	Information Technology	Financials
GICS Industry	Software	Insurance
Market Capitalization	33.90 billion USD	14.32 billion USD
Exchange	NYSE	NYSE
Listing Date	June 5, 2025	October 3, 1995
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of CRCL and EG 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.

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

Historical Performance at a Glance

Symbol	CRCL	EG
5-Day Price Return	-7.39%	1.05%
13-Week Price Return	--	1.49%
26-Week Price Return	--	1.50%
52-Week Price Return	--	-10.69%
Month-to-Date Return	-31.76%	1.64%
Year-to-Date Return	50.47%	-5.83%
10-Day Avg. Volume	14.96M	0.27M
3-Month Avg. Volume	26.15M	0.38M
3-Month Volatility	--	20.73%
Beta	-5.55	0.49

Profitability

Return on Equity (TTM)

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.

EG

5.52%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

EG’s Return on Equity of 5.52% 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 vs. EG: A comparison of their Return on Equity (TTM) against their respective Software and Insurance industry benchmarks.

Net Profit Margin (TTM)

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.

EG

4.56%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

Falling into the lower quartile for the Insurance industry, EG’s Net Profit Margin of 4.56% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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

Operating Profit Margin (TTM)

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.

EG

5.85%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

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

Profitability at a Glance

Symbol	CRCL	EG
Return on Equity (TTM)	--	5.52%
Return on Assets (TTM)	--	1.39%
Net Profit Margin (TTM)	-8.98%	4.56%
Operating Profit Margin (TTM)	-2.10%	5.85%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

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.

EG

1.19

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
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 vs. EG: A comparison of their Current Ratio (MRQ) against their respective Software and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

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.

EG

0.24

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

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

Interest Coverage Ratio (TTM)

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.

EG

10.95

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

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

Financial Strength at a Glance

Symbol	CRCL	EG
Current Ratio (MRQ)	1.03	1.19
Quick Ratio (MRQ)	1.03	0.56
Debt-to-Equity Ratio (MRQ)	0.09	0.24
Interest Coverage Ratio (TTM)	--	10.95

Growth

Revenue Growth

CRCL vs. EG: 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

CRCL vs. EG: 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)

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.

EG

2.39%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

EG’s Dividend Yield of 2.39% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

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.

EG

18.24%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

EG’s Dividend Payout Ratio of 18.24% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

Symbol	CRCL	EG
Dividend Yield (TTM)	0.00%	2.39%
Dividend Payout Ratio (TTM)	0.00%	18.24%

Valuation

Price-to-Earnings Ratio (TTM)

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.

EG

17.65

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

EG’s P/E Ratio of 17.65 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 vs. EG: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

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.

EG

0.80

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

In the lower quartile for the Insurance industry, EG’s P/S Ratio of 0.80 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

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

Price-to-Book Ratio (MRQ)

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.

EG

0.96

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

EG’s P/B Ratio of 0.96 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 vs. EG: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Insurance industry benchmarks.

Valuation at a Glance

Symbol	CRCL	EG
Price-to-Earnings Ratio (TTM)	--	17.65
Price-to-Sales Ratio (TTM)	10.95	0.80
Price-to-Book Ratio (MRQ)	17.02	0.96
Price-to-Free Cash Flow Ratio (TTM)	65.02	3.14