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

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

Company Profile

SymbolCRCLPYPL
Company NameCircle Internet GroupPayPal Holdings, Inc.
CountryUnited StatesUnited States
GICS SectorInformation TechnologyFinancials
GICS IndustrySoftwareFinancial Services
Market Capitalization30.95 billion USD64.30 billion USD
ExchangeNYSENasdaqGS
Listing DateJune 5, 2025July 6, 2015
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolCRCLPYPL
5-Day Price Return0.76%-0.12%
13-Week Price Return-26.87%-11.46%
26-Week Price Return---3.19%
52-Week Price Return---14.57%
Month-to-Date Return0.45%-0.60%
Year-to-Date Return59.29%-21.90%
10-Day Avg. Volume11.03M15.32M
3-Month Avg. Volume21.36M10.98M
3-Month Volatility92.39%32.05%
Beta-3.621.42

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.

PYPL

23.09%

Financial Services Industry

Max
39.28%
Q3
18.88%
Median
9.97%
Q1
4.03%
Min
-10.25%

In the upper quartile for the Financial Services industry, PYPL’s Return on Equity of 23.09% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CRCL vs. PYPL: A comparison of their Return on Equity (TTM) against their respective Software and Financial Services 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.

PYPL

14.49%

Financial Services Industry

Max
52.16%
Q3
25.35%
Median
12.68%
Q1
6.11%
Min
-11.69%

PYPL’s Net Profit Margin of 14.49% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

CRCL vs. PYPL: A comparison of their Net Profit Margin (TTM) against their respective Software and Financial Services 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.

PYPL

18.17%

Financial Services Industry

Max
75.57%
Q3
37.78%
Median
19.09%
Q1
10.04%
Min
-19.42%

PYPL’s Operating Profit Margin of 18.17% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolCRCLPYPL
Return on Equity (TTM)--23.09%
Return on Assets (TTM)--5.74%
Net Profit Margin (TTM)-8.98%14.49%
Operating Profit Margin (TTM)-2.10%18.17%
Gross Profit Margin (TTM)--41.68%

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.

PYPL

1.33

Financial Services Industry

Max
4.83
Q3
2.70
Median
1.44
Q1
0.86
Min
0.01

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

CRCL vs. PYPL: A comparison of their Current Ratio (MRQ) against their respective Software and Financial Services 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.

PYPL

0.56

Financial Services Industry

Max
5.07
Q3
2.14
Median
0.66
Q1
0.12
Min
0.00

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

CRCL vs. PYPL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Software and Financial Services 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.

PYPL

1,066.80

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

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

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

Financial Strength at a Glance

SymbolCRCLPYPL
Current Ratio (MRQ)1.031.33
Quick Ratio (MRQ)1.031.28
Debt-to-Equity Ratio (MRQ)0.090.56
Interest Coverage Ratio (TTM)--1,066.80

Growth

Revenue Growth

CRCL vs. PYPL: 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. PYPL: 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.

PYPL

0.00%

Financial Services Industry

Max
8.12%
Q3
3.37%
Median
1.70%
Q1
0.00%
Min
0.00%

PYPL 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.

CRCL vs. PYPL: A comparison of their Dividend Yield (TTM) against their respective Software and Financial Services 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.

PYPL

0.00%

Financial Services Industry

Max
132.10%
Q3
64.32%
Median
18.23%
Q1
0.00%
Min
0.00%

PYPL 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.

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

Dividend at a Glance

SymbolCRCLPYPL
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

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.

PYPL

13.56

Financial Services Industry

Max
45.81
Q3
30.21
Median
16.29
Q1
10.14
Min
0.70

PYPL’s P/E Ratio of 13.56 is within the middle range for the Financial Services 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. PYPL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Financial Services 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.

PYPL

1.96

Financial Services Industry

Max
10.88
Q3
5.34
Median
2.64
Q1
1.24
Min
0.06

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

CRCL vs. PYPL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Financial Services 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.

PYPL

3.58

Financial Services Industry

Max
7.93
Q3
3.78
Median
1.49
Q1
0.88
Min
0.08

PYPL’s P/B Ratio of 3.58 is within the conventional range for the Financial Services 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. PYPL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Financial Services industry benchmarks.

Valuation at a Glance

SymbolCRCLPYPL
Price-to-Earnings Ratio (TTM)--13.56
Price-to-Sales Ratio (TTM)10.251.96
Price-to-Book Ratio (MRQ)17.023.58
Price-to-Free Cash Flow Ratio (TTM)60.8811.99