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CRCL vs. GWRE: Circle Internet vs. Guidewire Software Stock Comparison

How do Circle Internet (CRCL) and Guidewire Software (GWRE) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Circle Internet (CRCL) and Guidewire Software (GWRE) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.

Guidewire Software (GWRE) has been public since January 25, 2012, giving it a longer listed trading history, while Circle Internet (CRCL) listed on June 5, 2025 and still has a shorter public-market record.

Company profile comparison for Circle Internet (CRCL) and Guidewire Software (GWRE)
Profile ItemCRCLGWRE
NameCircle Internet Group, Inc. Class AGuidewire Software Inc.
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareSoftware
GICS Sub-IndustryApplication SoftwareApplication Software
Market Capitalization17.41 billion USD13.34 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJune 5, 2025January 25, 2012
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CRCL
GWRE
GSPC
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Circle Internet (CRCL) vs. Guidewire Software (GWRE), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Circle Internet (CRCL) and Guidewire Software (GWRE). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Circle Internet (CRCL) and Guidewire Software (GWRE). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Circle Internet (CRCL) and Guidewire Software (GWRE)
MetricCRCLGWRE
Total Return (1Y)-33.88%-25.97%
Total Return (3Y, Annualized)--21.68%
Total Return (5Y, Annualized)--4.78%

Risk Profile

Drawdown History

CRCL
GWRE
GSPC
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Circle Internet (CRCL) vs. Guidewire Software (GWRE), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Circle Internet (CRCL) and Guidewire Software (GWRE). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Circle Internet (CRCL) and Guidewire Software (GWRE)
MetricCRCLGWRE
Volatility (1Y, Annualized)96.01%62.03%
Beta (5Y)0.840.99
Max Drawdown (5Y)-80.93%-60.79%
Avg. Volume (3M)12.74M1.29M

Risk-Adjusted Performance

Risk-Return Positioning

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CRCL and GWRE are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Circle Internet (CRCL) and Guidewire Software (GWRE)
MetricCRCLGWRE
Sharpe Ratio (1Y)-0.40-0.49
Sortino Ratio (1Y)-0.61-0.68

Profitability

ROE (TTM)

Both Circle Internet (CRCL) at 13.44% and Guidewire Software (GWRE) at 10.51% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

CRCL

Software & Services industry group

13.44%

Max
53.85%
Q3
17.90%
CRCL
13.44%
Median
6.59%
Q1
-9.59%
Min
-50.52%

GWRE

Software & Services industry group

10.51%

Max
53.85%
Q3
17.90%
GWRE
10.51%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their ROE against the Software & Services industry group benchmark.

Net Margin (TTM)

Both Circle Internet (CRCL) at 15.28% and Guidewire Software (GWRE) at 9.44% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

CRCL

Software & Services industry group

15.28%

Max
41.17%
CRCL
15.28%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%

GWRE

Software & Services industry group

9.44%

Max
41.17%
Q3
15.28%
GWRE
9.44%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Circle Internet (CRCL) at 24.09% operates in the top operating margin quartile, ahead of Guidewire Software (GWRE) at 15.16%, which runs around its industry’s norm.

CRCL

Software & Services industry group

24.09%

Max
46.89%
CRCL
24.09%
Q3
17.64%
Median
8.73%
Q1
-2.13%
Min
-30.45%

GWRE

Software & Services industry group

15.16%

Max
46.89%
Q3
17.64%
GWRE
15.16%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Circle Internet (CRCL) and Guidewire Software (GWRE)
MetricCRCLGWRE
ROE (TTM)13.44%10.51%
ROA (TTM)0.28%3.54%
Net Margin (TTM)15.28%9.44%
Operating Margin (TTM)24.09%15.16%
Gross Margin (TTM)26.58%64.21%

Growth

Revenue Growth

Circle Internet (CRCL) at 63.86% clears its industry range for revenue growth, far stronger top-line momentum than Guidewire Software (GWRE) at 22.70%, which is closer to a typical peer reading.

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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their Revenue Growth across different time periods.

EPS Growth

Guidewire Software (GWRE) at 101.23% sits in the top EPS growth quartile, while Circle Internet (CRCL) at -640.54% falls below its industry range — a large difference in per-share earnings trajectories.

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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Circle Internet (CRCL) and Guidewire Software (GWRE)
MetricCRCLGWRE
Revenue Growth (YoY)63.86%22.70%
Revenue Growth (3Y CAGR)52.66%17.68%
EPS Growth (YoY)-640.54%101.23%
EPS Growth (3Y CAGR)----

Financial Strength

Current Ratio (MRQ)

Both Circle Internet (CRCL) at 1.04 and Guidewire Software (GWRE) at 1.79 carry current ratio within their industries’ typical mid-ranges, suggesting balanced short-term liquidity relative to peers.

CRCL

Software & Services industry group

1.04

Max
5.11
Q3
2.77
Median
1.67
CRCL
1.04
Q1
1.01
Min
0.03

GWRE

Software & Services industry group

1.79

Max
5.11
Q3
2.77
GWRE
1.79
Median
1.67
Q1
1.01
Min
0.03
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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their current ratio against the Software & Services industry group benchmark.

Debt / Equity (MRQ)

Circle Internet (CRCL) at 0.00 keeps leverage in the lower industry quartile, while Guidewire Software (GWRE) at 0.60 runs a more typical debt-to-equity mix.

CRCL

Software & Services industry group

0.00

Max
2.52
Q3
1.13
Median
0.40
Q1
0.07
CRCL
0.00
Min
0.00

GWRE

Software & Services industry group

0.60

Max
2.52
Q3
1.13
GWRE
0.60
Median
0.40
Q1
0.07
Min
0.00
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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their debt-to-equity ratio against the Software & Services industry group benchmark.

Financial Strength Metrics

Financial strength metrics for Circle Internet (CRCL) and Guidewire Software (GWRE)
MetricCRCLGWRE
Current Ratio (MRQ)1.041.79
Debt / Equity (MRQ)0.000.60
Net Debt / EBITDA-4.68-0.38

Dividends

Dividend Yield (TTM)

Neither Circle Internet (CRCL) nor Guidewire Software (GWRE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

CRCL

Software & Services industry group

0.00%

CRCL
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%

GWRE

Software & Services industry group

0.00%

GWRE
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Circle Internet (CRCL) nor Guidewire Software (GWRE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

CRCL

Software & Services industry group

0.00%

CRCL
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%

GWRE

Software & Services industry group

0.00%

GWRE
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Circle Internet (CRCL) and Guidewire Software (GWRE)
MetricCRCLGWRE
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

P/E Ratio (TTM)

Circle Internet (CRCL) at 40.89 is near its industry’s usual P/E ratio, while Guidewire Software (GWRE) at 99.02 sits in the richer quartile — GWRE needs stronger growth or earnings quality to justify the premium.

CRCL

Software & Services industry group

40.89

Max
112.94
Q3
60.32
CRCL
40.89
Median
32.91
Q1
18.77
Min
6.69

GWRE

Software & Services industry group

99.02

Max
112.94
GWRE
99.02
Q3
60.32
Median
32.91
Q1
18.77
Min
6.69
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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

Circle Internet (CRCL) at 5.75 is priced about in line with its industry on P/S ratio, while Guidewire Software (GWRE) at 9.04 sits in the pricier quartile — GWRE costs more per dollar of sales.

CRCL

Software & Services industry group

5.75

Max
17.91
Q3
8.78
CRCL
5.75
Median
4.25
Q1
2.23
Min
0.02

GWRE

Software & Services industry group

9.04

Max
17.91
GWRE
9.04
Q3
8.78
Median
4.25
Q1
2.23
Min
0.02
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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their P/S ratio against the Software & Services industry group benchmark.

P/B Ratio (MRQ)

Circle Internet (CRCL) at 4.50 is valued about in line with its industry on P/B ratio, while Guidewire Software (GWRE) at 11.09 carries an above-peer premium to book — GWRE is pricier on assets.

CRCL

Software & Services industry group

4.50

Max
16.63
Q3
8.50
CRCL
4.50
Median
4.30
Q1
1.92
Min
-3.90

GWRE

Software & Services industry group

11.09

Max
16.63
GWRE
11.09
Q3
8.50
Median
4.30
Q1
1.92
Min
-3.90
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Circle Internet (CRCL) vs. Guidewire Software (GWRE): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Circle Internet (CRCL) and Guidewire Software (GWRE)
MetricCRCLGWRE
P/E Ratio (TTM)40.8999.02
P/S Ratio (TTM)5.759.04
P/B Ratio (MRQ)4.5011.09
Free Cash Flow Yield (TTM)1.43%2.57%