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

Updated on October 4, 2025

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

Company Profile

Symbol	CRCL	V
Company Name	Circle Internet Group	Visa Inc.
Country	United States	United States
GICS Sector	Information Technology	Financials
GICS Industry	Software	Financial Services
Market Capitalization	30.95 billion USD	654.82 billion USD
Exchange	NYSE	NYSE
Listing Date	June 5, 2025	March 19, 2008
Security Type	Common Stock	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	CRCL	V
5-Day Price Return	0.76%	0.80%
13-Week Price Return	-26.87%	-3.85%
26-Week Price Return	--	-0.81%
52-Week Price Return	--	24.06%
Month-to-Date Return	0.45%	-2.96%
Year-to-Date Return	59.29%	8.02%
10-Day Avg. Volume	11.03M	7.83M
3-Month Avg. Volume	21.36M	6.38M
3-Month Volatility	92.39%	16.67%
Beta	-3.62	0.89

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.

V

52.65%

Financial Services Industry

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

V’s Return on Equity of 52.65% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

CRCL vs. V: 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.

V

52.16%

Financial Services Industry

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

A Net Profit Margin of 52.16% places V in the upper quartile for the Financial Services industry, signifying strong profitability and more effective cost management than most of its peers.

CRCL vs. V: 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.

V

62.21%

Financial Services Industry

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

An Operating Profit Margin of 62.21% places V in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

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

Profitability at a Glance

Symbol	CRCL	V
Return on Equity (TTM)	--	52.65%
Return on Assets (TTM)	--	21.39%
Net Profit Margin (TTM)	-8.98%	52.16%
Operating Profit Margin (TTM)	-2.10%	62.21%
Gross Profit Margin (TTM)	--	80.23%

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.

V

1.12

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. V: 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.

V

0.65

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. V: 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.

V

24.71

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

Financial Strength at a Glance

Symbol	CRCL	V
Current Ratio (MRQ)	1.03	1.12
Quick Ratio (MRQ)	1.03	1.06
Debt-to-Equity Ratio (MRQ)	0.09	0.65
Interest Coverage Ratio (TTM)	--	24.71

Growth

Revenue Growth

CRCL vs. V: 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. V: 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.

V

0.68%

Financial Services Industry

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

V’s Dividend Yield of 0.68% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

CRCL vs. V: 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.

V

22.33%

Financial Services Industry

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

V’s Dividend Payout Ratio of 22.33% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	CRCL	V
Dividend Yield (TTM)	0.00%	0.68%
Dividend Payout Ratio (TTM)	0.00%	22.33%

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.

V

32.84

Financial Services Industry

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

A P/E Ratio of 32.84 places V in the upper quartile for the Financial Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

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

Price-to-Sales Ratio (TTM)

CRCL

10.25

Software Industry

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

CRCL’s P/S Ratio of 10.25 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.

V

17.13

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. V: 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.

V

17.81

Financial Services Industry

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

At 17.81, V’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

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

Valuation at a Glance

Symbol	CRCL	V
Price-to-Earnings Ratio (TTM)	--	32.84
Price-to-Sales Ratio (TTM)	10.25	17.13
Price-to-Book Ratio (MRQ)	17.02	17.81
Price-to-Free Cash Flow Ratio (TTM)	60.88	30.17