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

Updated on October 6, 2025

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

Company Profile

Symbol	CRCL	RKT
Company Name	Circle Internet Group	Rocket Companies, Inc.
Country	United States	United States
GICS Sector	Information Technology	Financials
GICS Industry	Software	Financial Services
Market Capitalization	36.50 billion USD	37.57 billion USD
Exchange	NYSE	NYSE
Listing Date	June 5, 2025	August 6, 2020
Security Type	Common Stock	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	CRCL	RKT
5-Day Price Return	9.07%	-11.62%
13-Week Price Return	-22.77%	25.00%
26-Week Price Return	--	47.47%
52-Week Price Return	--	-5.57%
Month-to-Date Return	9.96%	-8.15%
Year-to-Date Return	75.15%	58.08%
10-Day Avg. Volume	10.65M	54.67M
3-Month Avg. Volume	21.16M	23.35M
3-Month Volatility	96.16%	62.30%
Beta	-3.62	2.33

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.

RKT

-0.01%

Financial Services Industry

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

RKT has a negative Return on Equity of -0.01%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

CRCL vs. RKT: 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.

RKT

-0.01%

Financial Services Industry

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

RKT has a negative Net Profit Margin of -0.01%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

CRCL vs. RKT: 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.

RKT

13.77%

Financial Services Industry

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

RKT’s Operating Profit Margin of 13.77% 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. RKT: A comparison of their Operating Profit Margin (TTM) against their respective Software and Financial Services industry benchmarks.

Profitability at a Glance

Symbol	CRCL	RKT
Return on Equity (TTM)	--	-0.01%
Return on Assets (TTM)	--	0.00%
Net Profit Margin (TTM)	-8.98%	-0.01%
Operating Profit Margin (TTM)	-2.10%	13.77%
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.

RKT

0.40

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. RKT: 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.

RKT

2.69

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. RKT: 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.

RKT

2.42

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

Financial Strength at a Glance

Symbol	CRCL	RKT
Current Ratio (MRQ)	1.03	0.40
Quick Ratio (MRQ)	1.03	0.40
Debt-to-Equity Ratio (MRQ)	0.09	2.69
Interest Coverage Ratio (TTM)	--	2.42

Growth

Revenue Growth

CRCL vs. RKT: 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. RKT: 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.

RKT

0.00%

Financial Services Industry

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

RKT 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. RKT: 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.

RKT

0.00%

Financial Services Industry

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

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

Dividend at a Glance

Symbol	CRCL	RKT
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.

RKT

Financial Services Industry

Max: 45.81
Q3: 30.21
Median: 16.29
Q1: 10.14
Min: 0.70

P/E Ratio data for RKT is currently unavailable.

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

Price-to-Sales Ratio (TTM)

CRCL

11.58

Software Industry

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

CRCL’s P/S Ratio of 11.58 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.

RKT

9.85

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. RKT: 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.

RKT

3.81

Financial Services Industry

Max: 7.93
Q3: 3.78
Median: 1.49
Q1: 0.88
Min: 0.08

RKT’s P/B Ratio of 3.81 is in the upper tier for the Financial Services 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.

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

Valuation at a Glance

Symbol	CRCL	RKT
Price-to-Earnings Ratio (TTM)	--	--
Price-to-Sales Ratio (TTM)	11.58	9.85
Price-to-Book Ratio (MRQ)	17.02	3.81
Price-to-Free Cash Flow Ratio (TTM)	68.78	27.80