CRCL vs. GL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CRCL and GL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CRCL | GL |
|---|---|---|
| Company Name | Circle Internet Group | Globe Life Inc. |
| Country | United States | United States |
| GICS Sector | Information Technology | Financials |
| GICS Industry | Software | Insurance |
| Market Capitalization | 37.93 billion USD | 11.26 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 5, 2025 | October 1, 1980 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CRCL and GL 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.
Historical Performance at a Glance
| Symbol | CRCL | GL |
|---|---|---|
| 5-Day Price Return | 0.15% | -1.07% |
| 13-Week Price Return | -- | 15.14% |
| 26-Week Price Return | -- | 15.86% |
| 52-Week Price Return | -- | 51.91% |
| Month-to-Date Return | -16.54% | -1.05% |
| Year-to-Date Return | 84.02% | 24.64% |
| 10-Day Avg. Volume | 12.89M | 0.71M |
| 3-Month Avg. Volume | 28.46M | 0.67M |
| 3-Month Volatility | -- | 26.58% |
| Beta | -5.76 | 0.56 |
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.
GL
20.50%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
In the upper quartile for the Insurance industry, GL’s Return on Equity of 20.50% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Net Profit Margin (TTM)
CRCL
--
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
Net Profit Margin data for CRCL is currently unavailable.
GL
18.11%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
A Net Profit Margin of 18.11% places GL in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin (TTM)
CRCL
--
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
Operating Profit Margin data for CRCL is currently unavailable.
GL
24.74%
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.
Profitability at a Glance
| Symbol | CRCL | GL |
|---|---|---|
| Return on Equity (TTM) | -- | 20.50% |
| Return on Assets (TTM) | -- | 3.61% |
| Net Profit Margin (TTM) | -- | 18.11% |
| Operating Profit Margin (TTM) | -- | 24.74% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
CRCL
1.02
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
CRCL’s Current Ratio of 1.02 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.
GL
0.54
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.
Debt-to-Equity Ratio (MRQ)
CRCL
0.02
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
CRCL’s Debt-to-Equity Ratio of 0.02 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.
GL
0.51
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.
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.
GL
11.44
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.
Financial Strength at a Glance
| Symbol | CRCL | GL |
|---|---|---|
| Current Ratio (MRQ) | 1.02 | 0.54 |
| Quick Ratio (MRQ) | 1.02 | 0.54 |
| Debt-to-Equity Ratio (MRQ) | 0.02 | 0.51 |
| Interest Coverage Ratio (TTM) | -- | 11.44 |
Growth
Revenue Growth
EPS Growth
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.
GL
0.75%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
GL’s Dividend Yield of 0.75% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
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.
GL
7.91%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
GL’s Dividend Payout Ratio of 7.91% 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.
Dividend at a Glance
| Symbol | CRCL | GL |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.75% |
| Dividend Payout Ratio (TTM) | 0.00% | 7.91% |
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.
GL
10.52
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
GL’s P/E Ratio of 10.52 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.
Price-to-Sales Ratio (TTM)
CRCL
--
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
P/S Ratio data for CRCL is currently unavailable.
GL
1.90
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
GL’s P/S Ratio of 1.90 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
CRCL
--
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
P/B Ratio data for CRCL is currently unavailable.
GL
1.89
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
GL’s P/B Ratio of 1.89 is within the conventional range for the Insurance 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.
Valuation at a Glance
| Symbol | CRCL | GL |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | -- | 10.52 |
| Price-to-Sales Ratio (TTM) | -- | 1.90 |
| Price-to-Book Ratio (MRQ) | -- | 1.89 |
| Price-to-Free Cash Flow Ratio (TTM) | -- | 8.31 |