CRCL vs. ORCL: Circle Internet vs. Oracle Stock Comparison

November 11, 2026

How do Circle Internet (CRCL) and Oracle (ORCL) 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 Oracle (ORCL) both belong to the Software industry, though CRCL is classified under Application Software while ORCL falls under Systems Software.

Oracle (ORCL) carries decades of public-market history since March 12, 1986, while Circle Internet (CRCL) listed on June 5, 2025 — long-window comparisons have far more historical data on the ORCL side.

Company profile comparison for Circle Internet (CRCL) and Oracle (ORCL)
Profile Item	CRCL	ORCL
Name	Circle Internet Group, Inc. Class A	Oracle Corporation
Country/Region	United States	United States
GICS Sector	Information Technology	Information Technology
GICS Industry Group	Software & Services	Software & Services
GICS Industry	Software	Software
GICS Sub-Industry	Application Software	Systems Software
Market Capitalization	17.41 billion USD	361.97 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	June 5, 2025	March 12, 1986
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

CRCL

ORCL

GSPC

Circle Internet (CRCL) vs. Oracle (ORCL), 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 Oracle (ORCL). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Circle Internet (CRCL) and Oracle (ORCL)
Metric	CRCL	ORCL
Total Return (1Y)	-33.88%	-49.72%
Total Return (3Y, Annualized)	--	3.11%
Total Return (5Y, Annualized)	--	6.07%

Risk Profile

Drawdown History

CRCL

ORCL

GSPC

Circle Internet (CRCL) vs. Oracle (ORCL), 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 Oracle (ORCL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Circle Internet (CRCL) and Oracle (ORCL)
Metric	CRCL	ORCL
Volatility (1Y, Annualized)	96.01%	59.45%
Beta (5Y)	0.84	1.80
Max Drawdown (5Y)	-80.93%	-64.58%
Avg. Volume (3M)	12.74M	33.24M

Risk-Adjusted Performance

Risk-Return Positioning

CRCL and ORCL 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 Oracle (ORCL)
Metric	CRCL	ORCL
Sharpe Ratio (1Y)	-0.40	-0.91
Sortino Ratio (1Y)	-0.61	-1.29

Profitability

ROE (TTM)

Oracle (ORCL) at 41.19% sits in the top ROE quartile, while Circle Internet (CRCL) at 13.44% is closer to the peer norm — stronger capital efficiency for ORCL.

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%

ORCL

Software & Services industry group

41.19%

Max: 53.85%
ORCL: 41.19%
Q3: 17.90%
Median: 6.59%
Q1: -9.59%
Min: -50.52%

Circle Internet (CRCL) vs. Oracle (ORCL): A comparison of their ROE against the Software & Services industry group benchmark.

Net Margin (TTM)

Oracle (ORCL) at 26.36% retains a top-quartile share of revenue as profit, ahead of Circle Internet (CRCL) at 15.28%, which keeps about the industry-typical share.

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%

ORCL

Software & Services industry group

26.36%

Max: 41.17%
ORCL: 26.36%
Q3: 15.28%
Median: 4.63%
Q1: -5.42%
Min: -33.17%

Circle Internet (CRCL) vs. Oracle (ORCL): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Both Circle Internet (CRCL) at 24.09% and Oracle (ORCL) at 35.63% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

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%

ORCL

Software & Services industry group

35.63%

Max: 46.89%
ORCL: 35.63%
Q3: 17.64%
Median: 8.73%
Q1: -2.13%
Min: -30.45%

Circle Internet (CRCL) vs. Oracle (ORCL): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Circle Internet (CRCL) and Oracle (ORCL)
Metric	CRCL	ORCL
ROE (TTM)	13.44%	41.19%
ROA (TTM)	0.28%	6.36%
Net Margin (TTM)	15.28%	26.36%
Operating Margin (TTM)	24.09%	35.63%
Gross Margin (TTM)	26.58%	63.96%

Growth

Revenue Growth

Circle Internet (CRCL) at 63.86% clears its industry range for revenue growth, far stronger top-line momentum than Oracle (ORCL) at 17.35%, which is closer to a typical peer reading.

Circle Internet (CRCL) vs. Oracle (ORCL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Oracle (ORCL) at 34.33% is around its peer norm for EPS growth, while Circle Internet (CRCL) at -640.54% falls below its industry range, a notably weak earnings reading.

Circle Internet (CRCL) vs. Oracle (ORCL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Circle Internet (CRCL) and Oracle (ORCL)
Metric	CRCL	ORCL
Revenue Growth (YoY)	63.86%	17.35%
Revenue Growth (3Y CAGR)	52.66%	10.48%
EPS Growth (YoY)	-640.54%	34.33%
EPS Growth (3Y CAGR)	--	23.84%

Financial Strength

Current Ratio (MRQ)

Both Circle Internet (CRCL) at 1.04 and Oracle (ORCL) at 1.17 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

ORCL

Software & Services industry group

1.17

Max: 5.11
Q3: 2.77
Median: 1.67
ORCL: 1.17
Q1: 1.01
Min: 0.03

Circle Internet (CRCL) vs. Oracle (ORCL): 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 quartile, while Oracle (ORCL) at 2.52 sits in the higher-leverage quartile.

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

ORCL

Software & Services industry group

2.52

ORCL: 2.52
Max: 2.52
Q3: 1.13
Median: 0.40
Q1: 0.07
Min: 0.00

Circle Internet (CRCL) vs. Oracle (ORCL): 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 Oracle (ORCL)
Metric	CRCL	ORCL
Current Ratio (MRQ)	1.04	1.17
Debt / Equity (MRQ)	0.00	2.52
Net Debt / EBITDA	-4.68	3.84

Dividends

Dividend Yield (TTM)

Circle Internet (CRCL) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Oracle (ORCL) reports a yield of 1.74%, ranking against industry peers normally.

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%

ORCL

Software & Services industry group

1.74%

ORCL: 1.74%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Circle Internet (CRCL) vs. Oracle (ORCL): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Circle Internet (CRCL) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Oracle (ORCL) reports a payout of 31.35%, ranking against industry peers normally.

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%

ORCL

Software & Services industry group

31.35%

ORCL: 31.35%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Circle Internet (CRCL) vs. Oracle (ORCL): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Circle Internet (CRCL) and Oracle (ORCL)
Metric	CRCL	ORCL
Dividend Yield (TTM)	0.00%	1.74%
Dividend Payout Ratio (TTM)	0.00%	31.35%

Valuation

P/E Ratio (TTM)

Oracle (ORCL) at 18.20 sits in the cheaper P/E ratio quartile, while Circle Internet (CRCL) at 40.89 is closer to its industry’s usual earnings multiple — a discount for ORCL, though growth and earnings durability still matter.

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

ORCL

Software & Services industry group

18.20

Max: 112.94
Q3: 60.32
Median: 32.91
Q1: 18.77
ORCL: 18.20
Min: 6.69

Circle Internet (CRCL) vs. Oracle (ORCL): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Circle Internet (CRCL) at 5.75 and Oracle (ORCL) at 5.04 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

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

ORCL

Software & Services industry group

5.04

Max: 17.91
Q3: 8.78
ORCL: 5.04
Median: 4.25
Q1: 2.23
Min: 0.02

Circle Internet (CRCL) vs. Oracle (ORCL): A comparison of their P/S ratio against the Software & Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Circle Internet (CRCL) at 4.50 and Oracle (ORCL) at 5.68 are valued close to their industries’ norm against book — neither stands out from peers.

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

ORCL

Software & Services industry group

5.68

Max: 16.63
Q3: 8.50
ORCL: 5.68
Median: 4.30
Q1: 1.92
Min: -3.90

Circle Internet (CRCL) vs. Oracle (ORCL): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Circle Internet (CRCL) and Oracle (ORCL)
Metric	CRCL	ORCL
P/E Ratio (TTM)	40.89	18.20
P/S Ratio (TTM)	5.75	5.04
P/B Ratio (MRQ)	4.50	5.68
Free Cash Flow Yield (TTM)	1.43%	-12.67%