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

Updated on October 4, 2025

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

Company Profile

CRCL is a standard domestic listing, while PUK trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

Symbol	CRCL	PUK
Company Name	Circle Internet Group	Prudential plc
Country	United States	Hong Kong
GICS Sector	Information Technology	Financials
GICS Industry	Software	Insurance
Market Capitalization	30.95 billion USD	35.82 billion USD
Exchange	NYSE	NYSE
Listing Date	June 5, 2025	June 29, 2000
Security Type	Common Stock	ADR

Historical Performance

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

Historical Performance at a Glance

Symbol	CRCL	PUK
5-Day Price Return	0.76%	1.17%
13-Week Price Return	-26.87%	14.96%
26-Week Price Return	--	24.79%
52-Week Price Return	--	48.18%
Month-to-Date Return	0.45%	0.10%
Year-to-Date Return	59.29%	63.58%
10-Day Avg. Volume	11.03M	4.30M
3-Month Avg. Volume	21.36M	3.55M
3-Month Volatility	92.39%	19.44%
Beta	-3.62	1.41

Profitability

Return on Equity (TTM)

CRCL

Software Industry

Max: 66.28%
Q3: 21.28%
Median: 9.33%
Q1: -8.77%
Min: -48.16%

Return on Equity data for CRCL is currently unavailable.

PUK

13.58%

Insurance Industry

Max: 30.96%
Q3: 18.76%
Median: 14.22%
Q1: 10.34%
Min: 1.73%

PUK’s Return on Equity of 13.58% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

CRCL

-8.98%

Software Industry

Max: 51.92%
Q3: 19.23%
Median: 6.98%
Q1: -7.14%
Min: -41.00%

CRCL has a negative Net Profit Margin of -8.98%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

PUK

19.26%

Insurance Industry

Max: 26.78%
Q3: 14.69%
Median: 9.87%
Q1: 6.59%
Min: -3.51%

A Net Profit Margin of 19.26% places PUK in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

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

Operating Profit Margin (TTM)

CRCL

-2.10%

Software Industry

Max: 60.40%
Q3: 21.25%
Median: 9.90%
Q1: -4.97%
Min: -43.50%

CRCL has a negative Operating Profit Margin of -2.10%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

PUK

20.87%

Insurance Industry

Max: 34.52%
Q3: 20.17%
Median: 14.46%
Q1: 9.62%
Min: -2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

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

Profitability at a Glance

Symbol	CRCL	PUK
Return on Equity (TTM)	--	13.58%
Return on Assets (TTM)	--	1.28%
Net Profit Margin (TTM)	-8.98%	19.26%
Operating Profit Margin (TTM)	-2.10%	20.87%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

CRCL

1.03

Software Industry

Max: 4.29
Q3: 2.37
Median: 1.40
Q1: 1.03
Min: 0.25

CRCL’s Current Ratio of 1.03 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.

PUK

0.36

Insurance Industry

Max: 2.97
Q3: 1.37
Median: 0.54
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CRCL vs. PUK: A comparison of their Current Ratio (MRQ) against their respective Software and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CRCL

0.09

Software Industry

Max: 2.16
Q3: 0.86
Median: 0.31
Q1: 0.00
Min: 0.00

CRCL’s Debt-to-Equity Ratio of 0.09 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.

PUK

0.27

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.23
Min: 0.00

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

CRCL vs. PUK: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Software and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

CRCL

Software Industry

Max: 89.65
Q3: 32.64
Median: 1.00
Q1: -9.84
Min: -71.23

Interest Coverage Ratio data for CRCL is currently unavailable.

PUK

8.97

Insurance Industry

Max: 43.68
Q3: 21.45
Median: 9.67
Q1: 3.55
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

CRCL vs. PUK: A comparison of their Interest Coverage Ratio (TTM) against their respective Software and Insurance industry benchmarks.

Financial Strength at a Glance

Symbol	CRCL	PUK
Current Ratio (MRQ)	1.03	0.36
Quick Ratio (MRQ)	1.03	0.36
Debt-to-Equity Ratio (MRQ)	0.09	0.27
Interest Coverage Ratio (TTM)	--	8.97

Growth

Revenue Growth

CRCL vs. PUK: 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. PUK: 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: 0.22%
Q3: 0.11%
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.

PUK

1.54%

Insurance Industry

Max: 9.80%
Q3: 5.18%
Median: 3.58%
Q1: 2.07%
Min: 0.00%

PUK’s Dividend Yield of 1.54% 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.

CRCL vs. PUK: A comparison of their Dividend Yield (TTM) against their respective Software and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

CRCL

0.00%

Software Industry

Max: 3.29%
Q3: 2.41%
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.

PUK

24.16%

Insurance Industry

Max: 169.40%
Q3: 85.57%
Median: 53.26%
Q1: 23.68%
Min: 0.00%

PUK’s Dividend Payout Ratio of 24.16% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CRCL vs. PUK: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Insurance industry benchmarks.

Dividend at a Glance

Symbol	CRCL	PUK
Dividend Yield (TTM)	0.00%	1.54%
Dividend Payout Ratio (TTM)	0.00%	24.16%

Valuation

Price-to-Earnings Ratio (TTM)

CRCL

Software Industry

Max: 145.74
Q3: 94.88
Median: 45.35
Q1: 26.66
Min: 8.80

P/E Ratio data for CRCL is currently unavailable.

PUK

15.64

Insurance Industry

Max: 30.75
Q3: 18.11
Median: 12.67
Q1: 9.66
Min: 2.87

PUK’s P/E Ratio of 15.64 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.

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

Price-to-Sales Ratio (TTM)

CRCL

10.25

Software Industry

Max: 25.67
Q3: 13.68
Median: 8.28
Q1: 4.95
Min: 0.90

CRCL’s P/S Ratio of 10.25 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

PUK

3.01

Insurance Industry

Max: 3.41
Q3: 1.88
Median: 1.22
Q1: 0.80
Min: 0.23

PUK’s P/S Ratio of 3.01 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

CRCL vs. PUK: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

CRCL

17.02

Software Industry

Max: 30.67
Q3: 14.92
Median: 8.52
Q1: 3.89
Min: 0.38

CRCL’s P/B Ratio of 17.02 is in the upper tier for the Software industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

PUK

1.30

Insurance Industry

Max: 4.57
Q3: 2.56
Median: 1.88
Q1: 1.20
Min: 0.17

PUK’s P/B Ratio of 1.30 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.

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

Valuation at a Glance

Symbol	CRCL	PUK
Price-to-Earnings Ratio (TTM)	--	15.64
Price-to-Sales Ratio (TTM)	10.25	3.01
Price-to-Book Ratio (MRQ)	17.02	1.30
Price-to-Free Cash Flow Ratio (TTM)	60.88	10.19