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

Updated on August 20, 2025

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

Company Profile

Symbol	CRCL	UBS
Company Name	Circle Internet Group	UBS Group AG
Country	United States	Switzerland
GICS Sector	Information Technology	Financials
GICS Industry	Software	Capital Markets
Market Capitalization	37.93 billion USD	125.66 billion USD
Exchange	NYSE	NYSE
Listing Date	June 5, 2025	May 16, 2000
Security Type	Common Stock	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	CRCL	UBS
5-Day Price Return	0.15%	3.81%
13-Week Price Return	--	23.63%
26-Week Price Return	--	0.22%
52-Week Price Return	--	31.64%
Month-to-Date Return	-16.54%	4.66%
Year-to-Date Return	84.02%	14.89%
10-Day Avg. Volume	12.89M	8.64M
3-Month Avg. Volume	28.46M	7.80M
3-Month Volatility	--	24.71%
Beta	-5.76	1.53

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.

UBS

7.21%

Capital Markets Industry

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

UBS’s Return on Equity of 7.21% is in the lower quartile for the Capital Markets industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

CRCL vs. UBS: 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.

UBS

77.37%

Capital Markets Industry

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

UBS’s Net Profit Margin of 77.37% is exceptionally high, placing it well beyond the typical range for the Capital Markets industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.

CRCL vs. UBS: 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.

UBS

81.44%

Capital Markets Industry

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

An Operating Profit Margin of 81.44% places UBS in the upper quartile for the Capital Markets industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

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

Profitability at a Glance

Symbol	CRCL	UBS
Return on Equity (TTM)	--	7.21%
Return on Assets (TTM)	--	0.39%
Net Profit Margin (TTM)	--	77.37%
Operating Profit Margin (TTM)	--	81.44%
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.

UBS

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. UBS: 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.

UBS

4.21

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. UBS: 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.

UBS

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

Financial Strength at a Glance

Symbol	CRCL	UBS
Current Ratio (MRQ)	1.02	--
Quick Ratio (MRQ)	1.02	--
Debt-to-Equity Ratio (MRQ)	0.02	4.21
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

CRCL vs. UBS: 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. UBS: 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.

UBS

2.27%

Capital Markets Industry

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

UBS’s Dividend Yield of 2.27% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

CRCL vs. UBS: 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.

UBS

119.67%

Capital Markets Industry

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

UBS’s Dividend Payout Ratio of 119.67% is in the upper quartile for the Capital Markets 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. UBS: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Capital Markets industry benchmarks.

Dividend at a Glance

Symbol	CRCL	UBS
Dividend Yield (TTM)	0.00%	2.27%
Dividend Payout Ratio (TTM)	0.00%	119.67%

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.

UBS

20.12

Capital Markets Industry

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

UBS’s P/E Ratio of 20.12 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. UBS: 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.

UBS

2.27

Capital Markets Industry

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

UBS’s P/S Ratio of 2.27 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

CRCL vs. UBS: 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.

UBS

1.25

Capital Markets Industry

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

UBS’s P/B Ratio of 1.25 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. UBS: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	CRCL	UBS
Price-to-Earnings Ratio (TTM)	--	20.12
Price-to-Sales Ratio (TTM)	--	2.27
Price-to-Book Ratio (MRQ)	--	1.25
Price-to-Free Cash Flow Ratio (TTM)	--	5.42