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

Updated on August 22, 2025

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

Company Profile

CRCL is a standard domestic listing, while FUTU trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

Symbol	CRCL	FUTU
Company Name	Circle Internet Group	Futu Holdings Limited
Country	United States	Hong Kong
GICS Sector	Information Technology	Financials
GICS Industry	Software	Capital Markets
Market Capitalization	34.59 billion USD	24.87 billion USD
Exchange	NYSE	NasdaqGM
Listing Date	June 5, 2025	March 8, 2019
Security Type	Common Stock	ADR

Historical Performance

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

Historical Performance at a Glance

Symbol	CRCL	FUTU
5-Day Price Return	-1.02%	2.24%
13-Week Price Return	--	63.01%
26-Week Price Return	--	51.51%
52-Week Price Return	--	185.76%
Month-to-Date Return	-24.91%	16.25%
Year-to-Date Return	65.58%	123.35%
10-Day Avg. Volume	15.19M	2.30M
3-Month Avg. Volume	27.09M	2.44M
3-Month Volatility	--	58.08%
Beta	-5.87	0.53

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.

FUTU

23.06%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

In the upper quartile for the Capital Markets industry, FUTU’s Return on Equity of 23.06% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CRCL vs. FUTU: A comparison of their Return on Equity (TTM) against their respective Software and Capital Markets 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.

FUTU

40.05%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

A Net Profit Margin of 40.05% places FUTU in the upper quartile for the Capital Markets industry, signifying strong profitability and more effective cost management than most of its peers.

CRCL vs. FUTU: A comparison of their Net Profit Margin (TTM) against their respective Software and Capital Markets 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.

FUTU

48.72%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

An Operating Profit Margin of 48.72% places FUTU in the upper quartile for the Capital Markets industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

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

Profitability at a Glance

Symbol	CRCL	FUTU
Return on Equity (TTM)	--	23.06%
Return on Assets (TTM)	--	4.34%
Net Profit Margin (TTM)	-8.98%	40.05%
Operating Profit Margin (TTM)	-2.10%	48.72%
Gross Profit Margin (TTM)	--	82.01%

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.

FUTU

1.18

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CRCL vs. FUTU: A comparison of their Current Ratio (MRQ) against their respective Software and Capital Markets 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.

FUTU

0.36

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

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

CRCL vs. FUTU: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Software and Capital Markets 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.

FUTU

4,725.16

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

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

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

Financial Strength at a Glance

Symbol	CRCL	FUTU
Current Ratio (MRQ)	1.03	1.18
Quick Ratio (MRQ)	1.03	1.18
Debt-to-Equity Ratio (MRQ)	0.09	0.36
Interest Coverage Ratio (TTM)	--	4,725.16

Growth

Revenue Growth

CRCL vs. FUTU: 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. FUTU: 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.

FUTU

0.00%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

FUTU 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 vs. FUTU: A comparison of their Dividend Yield (TTM) against their respective Software and Capital Markets 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.

FUTU

0.00%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

FUTU 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 vs. FUTU: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Capital Markets industry benchmarks.

Dividend at a Glance

Symbol	CRCL	FUTU
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

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.

FUTU

8.94

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

In the lower quartile for the Capital Markets industry, FUTU’s P/E Ratio of 8.94 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

CRCL vs. FUTU: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Capital Markets 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.

FUTU

4.31

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

FUTU’s P/S Ratio of 4.31 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

CRCL vs. FUTU: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Capital Markets 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.

FUTU

2.50

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

FUTU’s P/B Ratio of 2.50 is within the conventional range for the Capital Markets 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 vs. FUTU: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	CRCL	FUTU
Price-to-Earnings Ratio (TTM)	--	8.94
Price-to-Sales Ratio (TTM)	10.95	4.31
Price-to-Book Ratio (MRQ)	17.02	2.50
Price-to-Free Cash Flow Ratio (TTM)	65.02	2.87