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

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

Company Profile

SymbolCRCLEWBC
Company NameCircle Internet GroupEast West Bancorp, Inc.
CountryUnited StatesUnited States
GICS SectorInformation TechnologyFinancials
GICS IndustrySoftwareBanks
Market Capitalization30.95 billion USD14.83 billion USD
ExchangeNYSENasdaqGS
Listing DateJune 5, 2025February 3, 1999
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CRCL and EWBC 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. EWBC: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolCRCLEWBC
5-Day Price Return0.76%0.65%
13-Week Price Return-26.87%5.42%
26-Week Price Return--15.41%
52-Week Price Return--30.57%
Month-to-Date Return0.45%1.25%
Year-to-Date Return59.29%11.16%
10-Day Avg. Volume11.03M1.09M
3-Month Avg. Volume21.36M0.89M
3-Month Volatility92.39%23.96%
Beta-3.620.99

Profitability

Return on Equity (TTM)

CRCL

--

Software Industry

Max
66.28%
Q3
21.28%
Median
9.33%
Q1
-8.77%
Min
-48.16%

Return on Equity data for CRCL is currently unavailable.

EWBC

15.14%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

EWBC’s Return on Equity of 15.14% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

CRCL

-8.98%

Software Industry

Max
51.92%
Q3
19.23%
Median
6.98%
Q1
-7.14%
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.

EWBC

47.99%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

A Net Profit Margin of 47.99% places EWBC in the upper quartile for the Banks industry, signifying strong profitability and more effective cost management than most of its peers.

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

Operating Profit Margin (TTM)

CRCL

-2.10%

Software Industry

Max
60.40%
Q3
21.25%
Median
9.90%
Q1
-4.97%
Min
-43.50%

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.

EWBC

57.98%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

An Operating Profit Margin of 57.98% places EWBC in the upper quartile for the Banks industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

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

Profitability at a Glance

SymbolCRCLEWBC
Return on Equity (TTM)--15.14%
Return on Assets (TTM)--1.57%
Net Profit Margin (TTM)-8.98%47.99%
Operating Profit Margin (TTM)-2.10%57.98%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

CRCL

1.03

Software Industry

Max
4.29
Q3
2.37
Median
1.40
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.

EWBC

--

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

Debt-to-Equity Ratio (MRQ)

CRCL

0.09

Software Industry

Max
2.16
Q3
0.86
Median
0.31
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.

EWBC

0.00

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

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

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

Interest Coverage Ratio (TTM)

CRCL

--

Software Industry

Max
89.65
Q3
32.64
Median
1.00
Q1
-9.84
Min
-71.23

Interest Coverage Ratio data for CRCL is currently unavailable.

EWBC

--

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

Financial Strength at a Glance

SymbolCRCLEWBC
Current Ratio (MRQ)1.03--
Quick Ratio (MRQ)1.03--
Debt-to-Equity Ratio (MRQ)0.090.00
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CRCL vs. EWBC: 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. EWBC: 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
0.22%
Q3
0.11%
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.

EWBC

2.20%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

EWBC’s Dividend Yield of 2.20% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

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

Dividend Payout Ratio (TTM)

CRCL

0.00%

Software Industry

Max
3.29%
Q3
2.41%
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.

EWBC

26.93%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

EWBC’s Dividend Payout Ratio of 26.93% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

SymbolCRCLEWBC
Dividend Yield (TTM)0.00%2.20%
Dividend Payout Ratio (TTM)0.00%26.93%

Valuation

Price-to-Earnings Ratio (TTM)

CRCL

--

Software Industry

Max
145.74
Q3
94.88
Median
45.35
Q1
26.66
Min
8.80

P/E Ratio data for CRCL is currently unavailable.

EWBC

12.27

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

EWBC’s P/E Ratio of 12.27 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 vs. EWBC: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

CRCL

10.25

Software Industry

Max
25.67
Q3
13.68
Median
8.28
Q1
4.95
Min
0.90

CRCL’s P/S Ratio of 10.25 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.

EWBC

3.28

Banks Industry

Max
4.90
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 vs. EWBC: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

CRCL

17.02

Software Industry

Max
30.67
Q3
14.92
Median
8.52
Q1
3.89
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.

EWBC

1.70

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

EWBC’s P/B Ratio of 1.70 is in the upper tier for the Banks 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.

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

Valuation at a Glance

SymbolCRCLEWBC
Price-to-Earnings Ratio (TTM)--12.27
Price-to-Sales Ratio (TTM)10.253.28
Price-to-Book Ratio (MRQ)17.021.70
Price-to-Free Cash Flow Ratio (TTM)60.8810.14