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

Updated on August 19, 2025

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

Company Profile

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

Symbol	CRCL	WF
Company Name	Circle Internet Group	Woori Financial Group Inc.
Country	United States	South Korea
GICS Sector	Information Technology	Financials
GICS Industry	Software	Banks
Market Capitalization	37.93 billion USD	13.57 billion USD
Exchange	NYSE	NYSE
Listing Date	June 5, 2025	October 1, 2003
Security Type	Common Stock	ADR

Historical Performance

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

Historical Performance at a Glance

Symbol	CRCL	WF
5-Day Price Return	0.15%	-0.39%
13-Week Price Return	--	41.46%
26-Week Price Return	--	60.42%
52-Week Price Return	--	5.12%
Month-to-Date Return	-16.54%	2.23%
Year-to-Date Return	84.02%	64.28%
10-Day Avg. Volume	12.89M	1.39M
3-Month Avg. Volume	28.46M	2.22M
3-Month Volatility	--	34.81%
Beta	-5.76	1.00

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.

WF

8.53%

Banks Industry

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

WF’s Return on Equity of 8.53% 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. WF: A comparison of their Return on Equity (TTM) against their respective Software and Banks 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.

WF

19.91%

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, WF’s Net Profit Margin of 19.91% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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

WF

26.81%

Banks Industry

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

WF’s Operating Profit Margin of 26.81% 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. WF: A comparison of their Operating Profit Margin (TTM) against their respective Software and Banks industry benchmarks.

Profitability at a Glance

Symbol	CRCL	WF
Return on Equity (TTM)	--	8.53%
Return on Assets (TTM)	--	0.55%
Net Profit Margin (TTM)	--	19.91%
Operating Profit Margin (TTM)	--	26.81%
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.

WF

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. WF: A comparison of their Current Ratio (MRQ) against their respective Software and Banks 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.

WF

2.44

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. WF: 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.

WF

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

Financial Strength at a Glance

Symbol	CRCL	WF
Current Ratio (MRQ)	1.02	--
Quick Ratio (MRQ)	1.02	--
Debt-to-Equity Ratio (MRQ)	0.02	2.44
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

CRCL vs. WF: 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. WF: 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.

WF

4.74%

Banks Industry

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

WF’s Dividend Yield of 4.74% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

CRCL vs. WF: 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.

WF

38.83%

Banks Industry

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

WF’s Dividend Payout Ratio of 38.83% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	CRCL	WF
Dividend Yield (TTM)	0.00%	4.74%
Dividend Payout Ratio (TTM)	0.00%	38.83%

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.

WF

6.43

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, WF’s P/E Ratio of 6.43 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

WF

0.62

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. WF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Banks 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.

WF

0.36

Banks Industry

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

WF’s P/B Ratio of 0.36 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.

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

Valuation at a Glance

Symbol	CRCL	WF
Price-to-Earnings Ratio (TTM)	--	6.43
Price-to-Sales Ratio (TTM)	--	0.62
Price-to-Book Ratio (MRQ)	--	0.36
Price-to-Free Cash Flow Ratio (TTM)	--	10.96