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

Updated on August 22, 2025

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

Company Profile

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

Symbol	CRCL	SMFG
Company Name	Circle Internet Group	Sumitomo Mitsui Financial Group, Inc.
Country	United States	Japan
GICS Sector	Information Technology	Financials
GICS Industry	Software	Banks
Market Capitalization	34.59 billion USD	107.28 billion USD
Exchange	NYSE	NYSE
Listing Date	June 5, 2025	January 27, 2006
Security Type	Common Stock	ADR

Historical Performance

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

Historical Performance at a Glance

Symbol	CRCL	SMFG
5-Day Price Return	-1.02%	2.80%
13-Week Price Return	--	18.72%
26-Week Price Return	--	9.88%
52-Week Price Return	--	58.60%
Month-to-Date Return	-24.91%	6.77%
Year-to-Date Return	65.58%	9.35%
10-Day Avg. Volume	15.19M	14.69M
3-Month Avg. Volume	27.09M	13.83M
3-Month Volatility	--	24.19%
Beta	-5.87	1.44

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.

SMFG

7.91%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

SMFG’s Return on Equity of 7.91% 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.

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

Net Profit Margin (TTM)

CRCL

-8.98%

Software Industry

Max: 48.14%
Q3: 18.23%
Median: 5.60%
Q1: -9.22%
Min: -49.36%

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.

SMFG

19.05%

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, SMFG’s Net Profit Margin of 19.05% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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

Operating Profit Margin (TTM)

CRCL

-2.10%

Software Industry

Max: 57.34%
Q3: 20.60%
Median: 7.84%
Q1: -8.72%
Min: -51.37%

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.

SMFG

25.28%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

SMFG’s Operating Profit Margin of 25.28% 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.

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

Profitability at a Glance

Symbol	CRCL	SMFG
Return on Equity (TTM)	--	7.91%
Return on Assets (TTM)	--	0.39%
Net Profit Margin (TTM)	-8.98%	19.05%
Operating Profit Margin (TTM)	-2.10%	25.28%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

CRCL

1.03

Software Industry

Max: 3.83
Q3: 2.31
Median: 1.45
Q1: 1.03
Min: 0.24

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.

SMFG

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.

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

Debt-to-Equity Ratio (MRQ)

CRCL

0.09

Software Industry

Max: 2.14
Q3: 0.90
Median: 0.29
Q1: 0.00
Min: 0.00

CRCL’s Debt-to-Equity Ratio of 0.09 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.

SMFG

4.30

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.

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

SMFG

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.

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

Financial Strength at a Glance

Symbol	CRCL	SMFG
Current Ratio (MRQ)	1.03	--
Quick Ratio (MRQ)	1.03	--
Debt-to-Equity Ratio (MRQ)	0.09	4.30
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

CRCL vs. SMFG: 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. SMFG: 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.

SMFG

2.58%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

SMFG’s Dividend Yield of 2.58% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

CRCL vs. SMFG: A comparison of their Dividend Yield (TTM) against their respective Software and Banks 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.

SMFG

104.11%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

SMFG’s Dividend Payout Ratio of 104.11% is in the upper quartile for the Banks industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

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

Dividend at a Glance

Symbol	CRCL	SMFG
Dividend Yield (TTM)	0.00%	2.58%
Dividend Payout Ratio (TTM)	0.00%	104.11%

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.

SMFG

13.56

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

A P/E Ratio of 13.56 places SMFG in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

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

Price-to-Sales Ratio (TTM)

CRCL

10.95

Software Industry

Max: 25.24
Q3: 13.52
Median: 8.15
Q1: 4.87
Min: 0.98

CRCL’s P/S Ratio of 10.95 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.

SMFG

2.32

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.

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

Price-to-Book Ratio (MRQ)

CRCL

17.02

Software Industry

Max: 30.95
Q3: 14.91
Median: 7.75
Q1: 3.60
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.

SMFG

1.00

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

SMFG’s P/B Ratio of 1.00 is within the conventional range for the Banks 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. SMFG: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Banks industry benchmarks.

Valuation at a Glance

Symbol	CRCL	SMFG
Price-to-Earnings Ratio (TTM)	--	13.56
Price-to-Sales Ratio (TTM)	10.95	2.32
Price-to-Book Ratio (MRQ)	17.02	1.00
Price-to-Free Cash Flow Ratio (TTM)	65.02	3.47