CRCL vs. SHG: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CRCL and SHG, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
CRCL is a standard domestic listing, while SHG trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.
| Symbol | CRCL | SHG |
|---|---|---|
| Company Name | Circle Internet Group | Shinhan Financial Group Co., Ltd. |
| Country | United States | South Korea |
| GICS Sector | Information Technology | Financials |
| GICS Industry | Software | Banks |
| Market Capitalization | 37.93 billion USD | 24.49 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 5, 2025 | September 17, 2003 |
| Security Type | Common Stock | ADR |
Historical Performance
This chart compares the performance of CRCL and SHG 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 | SHG |
|---|---|---|
| 5-Day Price Return | 0.15% | 0.29% |
| 13-Week Price Return | -- | 33.98% |
| 26-Week Price Return | -- | 36.88% |
| 52-Week Price Return | -- | 1.10% |
| Month-to-Date Return | -16.54% | 2.06% |
| Year-to-Date Return | 84.02% | 45.65% |
| 10-Day Avg. Volume | 12.89M | 0.99M |
| 3-Month Avg. Volume | 28.46M | 1.40M |
| 3-Month Volatility | -- | 35.64% |
| Beta | -5.76 | 0.77 |
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.
SHG
8.26%
Banks Industry
- Max
- 26.37%
- Q3
- 15.92%
- Median
- 12.25%
- Q1
- 8.69%
- Min
- 0.15%
SHG’s Return on Equity of 8.26% is in the lower quartile for the Banks 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.
SHG
18.67%
Banks Industry
- Max
- 54.20%
- Q3
- 35.70%
- Median
- 28.97%
- Q1
- 22.53%
- Min
- 6.98%
Falling into the lower quartile for the Banks industry, SHG’s Net Profit Margin of 18.67% 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.
SHG
24.63%
Banks Industry
- Max
- 63.35%
- Q3
- 44.59%
- Median
- 37.24%
- Q1
- 28.25%
- Min
- 13.37%
SHG’s Operating Profit Margin of 24.63% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
Profitability at a Glance
| Symbol | CRCL | SHG |
|---|---|---|
| Return on Equity (TTM) | -- | 8.26% |
| Return on Assets (TTM) | -- | 0.62% |
| Net Profit Margin (TTM) | -- | 18.67% |
| Operating Profit Margin (TTM) | -- | 24.63% |
| 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.
SHG
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
For the Banks 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.
SHG
2.62
Banks Industry
- Max
- 4.75
- Q3
- 2.62
- Median
- 1.02
- Q1
- 0.39
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks 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.
SHG
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.
Financial Strength at a Glance
| Symbol | CRCL | SHG |
|---|---|---|
| Current Ratio (MRQ) | 1.02 | -- |
| Quick Ratio (MRQ) | 1.02 | -- |
| Debt-to-Equity Ratio (MRQ) | 0.02 | 2.62 |
| 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.
SHG
3.84%
Banks Industry
- Max
- 10.27%
- Q3
- 5.83%
- Median
- 3.81%
- Q1
- 2.50%
- Min
- 0.00%
SHG’s Dividend Yield of 3.84% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.
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.
SHG
27.59%
Banks Industry
- Max
- 147.07%
- Q3
- 80.55%
- Median
- 54.40%
- Q1
- 35.71%
- Min
- 0.00%
SHG’s Dividend Payout Ratio of 27.59% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | CRCL | SHG |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 3.84% |
| Dividend Payout Ratio (TTM) | 0.00% | 27.59% |
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.
SHG
7.19
Banks Industry
- Max
- 20.05
- Q3
- 12.65
- Median
- 10.21
- Q1
- 7.54
- Min
- 2.74
In the lower quartile for the Banks industry, SHG’s P/E Ratio of 7.19 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
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.
SHG
0.83
Banks Industry
- Max
- 5.06
- Q3
- 2.98
- Median
- 2.24
- Q1
- 1.59
- Min
- 0.45
The P/S Ratio is often not a primary valuation tool in the Banks industry.
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.
SHG
0.42
Banks Industry
- Max
- 2.18
- Q3
- 1.36
- Median
- 1.09
- Q1
- 0.81
- Min
- 0.20
SHG’s P/B Ratio of 0.42 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
Valuation at a Glance
| Symbol | CRCL | SHG |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | -- | 7.19 |
| Price-to-Sales Ratio (TTM) | -- | 0.83 |
| Price-to-Book Ratio (MRQ) | -- | 0.42 |
| Price-to-Free Cash Flow Ratio (TTM) | -- | 2.50 |