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

Updated on August 19, 2025

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

Company Profile

Symbol	CRCL	RJF
Company Name	Circle Internet Group	Raymond James Financial, Inc.
Country	United States	United States
GICS Sector	Information Technology	Financials
GICS Industry	Software	Capital Markets
Market Capitalization	37.93 billion USD	32.67 billion USD
Exchange	NYSE	NYSE
Listing Date	June 5, 2025	July 1, 1983
Security Type	Common Stock	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	CRCL	RJF
5-Day Price Return	0.15%	0.52%
13-Week Price Return	--	8.09%
26-Week Price Return	--	-2.74%
52-Week Price Return	--	48.78%
Month-to-Date Return	-16.54%	-1.97%
Year-to-Date Return	84.02%	5.48%
10-Day Avg. Volume	12.89M	0.88M
3-Month Avg. Volume	28.46M	1.24M
3-Month Volatility	--	22.20%
Beta	-5.76	1.07

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.

RJF

17.75%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

RJF’s Return on Equity of 17.75% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

CRCL vs. RJF: A comparison of their Return on Equity (TTM) against their respective Software and Capital Markets 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.

RJF

13.56%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

Falling into the lower quartile for the Capital Markets industry, RJF’s Net Profit Margin of 13.56% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

CRCL vs. RJF: A comparison of their Net Profit Margin (TTM) against their respective Software and Capital Markets 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.

RJF

17.44%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

RJF’s Operating Profit Margin of 17.44% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

Symbol	CRCL	RJF
Return on Equity (TTM)	--	17.75%
Return on Assets (TTM)	--	2.56%
Net Profit Margin (TTM)	--	13.56%
Operating Profit Margin (TTM)	--	17.44%
Gross Profit Margin (TTM)	--	85.42%

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.

RJF

0.26

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

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

CRCL vs. RJF: A comparison of their Current Ratio (MRQ) against their respective Software and Capital Markets 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.

RJF

4.98

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

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

CRCL vs. RJF: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Software and Capital Markets 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.

RJF

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

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

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

Financial Strength at a Glance

Symbol	CRCL	RJF
Current Ratio (MRQ)	1.02	0.26
Quick Ratio (MRQ)	1.02	0.26
Debt-to-Equity Ratio (MRQ)	0.02	4.98
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

CRCL vs. RJF: 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. RJF: 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.

RJF

1.21%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

RJF’s Dividend Yield of 1.21% is in the lower quartile for the Capital Markets industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

CRCL vs. RJF: A comparison of their Dividend Yield (TTM) against their respective Software and Capital Markets 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.

RJF

19.17%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

RJF’s Dividend Payout Ratio of 19.17% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

Symbol	CRCL	RJF
Dividend Yield (TTM)	0.00%	1.21%
Dividend Payout Ratio (TTM)	0.00%	19.17%

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.

RJF

15.79

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

RJF’s P/E Ratio of 15.79 is within the middle range for the Capital Markets 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. RJF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Capital Markets 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.

RJF

2.14

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

In the lower quartile for the Capital Markets industry, RJF’s P/S Ratio of 2.14 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.

CRCL vs. RJF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Capital Markets 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.

RJF

2.52

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

RJF’s P/B Ratio of 2.52 is within the conventional range for the Capital Markets 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. RJF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	CRCL	RJF
Price-to-Earnings Ratio (TTM)	--	15.79
Price-to-Sales Ratio (TTM)	--	2.14
Price-to-Book Ratio (MRQ)	--	2.52
Price-to-Free Cash Flow Ratio (TTM)	--	17.24