CRCL vs. PRU: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CRCL and PRU, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CRCL | PRU |
|---|---|---|
| Company Name | Circle Internet Group | Prudential Financial, Inc. |
| Country | United States | United States |
| GICS Sector | Information Technology | Financials |
| GICS Industry | Software | Insurance |
| Market Capitalization | 37.93 billion USD | 37.72 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 5, 2025 | December 13, 2001 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CRCL and PRU 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 | PRU |
|---|---|---|
| 5-Day Price Return | 0.15% | 6.46% |
| 13-Week Price Return | -- | -0.16% |
| 26-Week Price Return | -- | -5.58% |
| 52-Week Price Return | -- | -1.13% |
| Month-to-Date Return | -16.54% | 3.48% |
| Year-to-Date Return | 84.02% | -9.58% |
| 10-Day Avg. Volume | 12.89M | 2.09M |
| 3-Month Avg. Volume | 28.46M | 1.78M |
| 3-Month Volatility | -- | 23.17% |
| Beta | -5.76 | 1.05 |
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.
PRU
5.49%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
PRU’s Return on Equity of 5.49% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
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.
PRU
2.96%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
Falling into the lower quartile for the Insurance industry, PRU’s Net Profit Margin of 2.96% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
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.
PRU
3.74%
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 | PRU |
|---|---|---|
| Return on Equity (TTM) | -- | 5.49% |
| Return on Assets (TTM) | -- | 0.22% |
| Net Profit Margin (TTM) | -- | 2.96% |
| Operating Profit Margin (TTM) | -- | 3.74% |
| 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.
PRU
--
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.
PRU
0.71
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.
PRU
--
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 | PRU |
|---|---|---|
| Current Ratio (MRQ) | 1.02 | -- |
| Quick Ratio (MRQ) | 1.02 | -- |
| Debt-to-Equity Ratio (MRQ) | 0.02 | 0.71 |
| Interest Coverage Ratio (TTM) | -- | -- |
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.
PRU
5.10%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
With a Dividend Yield of 5.10%, PRU offers a more attractive income stream than most of its peers in the Insurance industry, signaling a strong commitment to shareholder returns.
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.
PRU
85.37%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
PRU’s Dividend Payout Ratio of 85.37% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | CRCL | PRU |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 5.10% |
| Dividend Payout Ratio (TTM) | 0.00% | 85.37% |
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.
PRU
22.92
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
A P/E Ratio of 22.92 places PRU in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
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.
PRU
0.68
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
In the lower quartile for the Insurance industry, PRU’s P/S Ratio of 0.68 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
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.
PRU
1.24
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
PRU’s P/B Ratio of 1.24 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 | PRU |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | -- | 22.92 |
| Price-to-Sales Ratio (TTM) | -- | 0.68 |
| Price-to-Book Ratio (MRQ) | -- | 1.24 |
| Price-to-Free Cash Flow Ratio (TTM) | -- | 8.15 |