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

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

Company Profile

SymbolCRCLJPM
Company NameCircle Internet GroupJPMorgan Chase & Co.
CountryUnited StatesUnited States
GICS SectorInformation TechnologyFinancials
GICS IndustrySoftwareBanks
Market Capitalization37.93 billion USD798.88 billion USD
ExchangeNYSENYSE
Listing DateJune 5, 2025March 17, 1980
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolCRCLJPM
5-Day Price Return0.15%1.25%
13-Week Price Return--11.72%
26-Week Price Return--4.92%
52-Week Price Return--40.90%
Month-to-Date Return-16.54%-1.93%
Year-to-Date Return84.02%21.20%
10-Day Avg. Volume12.89M8.41M
3-Month Avg. Volume28.46M9.58M
3-Month Volatility--17.35%
Beta-5.761.15

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.

JPM

16.16%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

In the upper quartile for the Banks industry, JPM’s Return on Equity of 16.16% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

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

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.

JPM

33.26%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

JPM’s Net Profit Margin of 33.26% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

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.

JPM

41.23%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

JPM’s Operating Profit Margin of 41.23% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolCRCLJPM
Return on Equity (TTM)--16.16%
Return on Assets (TTM)--1.32%
Net Profit Margin (TTM)--33.26%
Operating Profit Margin (TTM)--41.23%
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.

JPM

--

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

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.

JPM

3.03

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

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

CRCL vs. JPM: 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
67.02
Q3
19.86
Median
0.70
Q1
-12.50
Min
-53.00

Interest Coverage Ratio data for CRCL is currently unavailable.

JPM

--

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

Financial Strength at a Glance

SymbolCRCLJPM
Current Ratio (MRQ)1.02--
Quick Ratio (MRQ)1.02--
Debt-to-Equity Ratio (MRQ)0.023.03
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CRCL vs. JPM: 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. JPM: 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.

JPM

1.94%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

JPM’s Dividend Yield of 1.94% 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. JPM: 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
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.

JPM

27.49%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

JPM’s Dividend Payout Ratio of 27.49% 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. JPM: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Banks industry benchmarks.

Dividend at a Glance

SymbolCRCLJPM
Dividend Yield (TTM)0.00%1.94%
Dividend Payout Ratio (TTM)0.00%27.49%

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.

JPM

14.21

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

A P/E Ratio of 14.21 places JPM in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

CRCL vs. JPM: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Banks industry benchmarks.

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.

JPM

2.90

Banks Industry

Max
5.06
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. JPM: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Banks industry benchmarks.

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.

JPM

2.26

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

At 2.26, JPM’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

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

Valuation at a Glance

SymbolCRCLJPM
Price-to-Earnings Ratio (TTM)--14.21
Price-to-Sales Ratio (TTM)--2.90
Price-to-Book Ratio (MRQ)--2.26
Price-to-Free Cash Flow Ratio (TTM)--4.53