Circle Internet Group Inc (CRCL)
NYSEFinancialsFinancial - Capital MarketsSnapshot 2026-11-05
$69.48-8.72%
Close 2026-11-05 · 1-day change
NYSEFinancialsFinancial - Capital MarketsSnapshot 2026-11-05
QuarterlyIQ Insights · CRCL
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks CRCL against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Key Indicator Guidance period Guidance unchanged USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $310-$330M(3) RLDC Margin(1) FY 2026 41.7-43.7%(3) Adjusted Operating Expe…
Stated in 3 of 3 supplied quarters. Management reported: “Key Indicator Guidance period Guidance unchanged USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $310-$330M(3) RLDC Margin(1) FY 2026 41.7-43.7%(3) Adjusted Operating Expenses(2) FY 2026 $570-$585M (1) Revenue Less Distribution Costs (RLDC) Margin is Total Revenue & Reserve Income less Total Distribution, Transaction & Other Costs as a percentage of Total Revenue & Reserve Income.” “"Stablecoin settlement is becoming core infrastructure in the global economy and combining USDC with Tazapay’s world-class banking relationships, local payout rails, and institutional customer base will accelerate worldwide USDC adoption,” said Jeremy Allaire, Co-Founder, CEO, and Chairman at Circle.”
“Key Indicator Guidance period Guidance unchanged USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $310-$330M(3) RLDC Margin(1) FY 2026 41.7-43.7%(3) Adjusted Operating Expe…”
“Key Indicator Period Previous Guidance Revised Guidance USDC in Circulation Multi-year through cycle 40% CAGR 40% CAGR Other Revenue FY 2026 $150-$170M $310-$330M(3) RLDC Margin(1) FY 2026 38-40% 41.…”
“Key Indicator Period Current Outlook USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $150-$170M RLDC Margin(1) FY 2026 38-40% Adjusted Operating Expenses(2) FY 2026 $570-$…”
Key Indicator Guidance period Guidance unchanged USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $310-$330M(3) RLDC Margin(1) FY 2026 41.7-43.7%(3) Adjusted Operating Expe…
Stated in 3 of 3 supplied quarters. Management reported: “Key Indicator Guidance period Guidance unchanged USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $310-$330M(3) RLDC Margin(1) FY 2026 41.7-43.7%(3) Adjusted Operating Expenses(2) FY 2026 $570-$585M (1) Revenue Less Distribution Costs (RLDC) Margin is Total Revenue & Reserve Income less Total Distribution, Transaction & Other Costs as a percentage of Total Revenue & Reserve Income.”
Key Indicator Guidance period Guidance unchanged USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $310-$330M(3) RLDC Margin(1) FY 2026 41.7-43.7%(3) Adjusted Operating Expe…
Stated in 3 of 3 supplied quarters. Management reported: “Key Indicator Guidance period Guidance unchanged USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $310-$330M(3) RLDC Margin(1) FY 2026 41.7-43.7%(3) Adjusted Operating Expenses(2) FY 2026 $570-$585M (1) Revenue Less Distribution Costs (RLDC) Margin is Total Revenue & Reserve Income less Total Distribution, Transaction & Other Costs as a percentage of Total Revenue & Reserve Income.”
"Stablecoin settlement is becoming core infrastructure in the global economy and combining USDC with Tazapay’s world-class banking relationships, local payout rails, and institutional customer base w…
Stated in a supplied disclosure. Management reported: “"Stablecoin settlement is becoming core infrastructure in the global economy and combining USDC with Tazapay’s world-class banking relationships, local payout rails, and institutional customer base will accelerate worldwide USDC adoption,” said Jeremy Allaire, Co-Founder, CEO, and Chairman at Circle.” “This acquisition will increase Circle’s capability to originate and terminate payments globally, near-instant and 24/7, which is a meaningful step toward making USDC the default payment rail for cross-border commerce," said Irfan Ganchi, Senior Vice President of Payments at Circle.”
Operate under the newly approved federal trust bank charter to enhance USDC reserve management and regulatory compliance.
Not enough signal yet.
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
10 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.
“Key Indicator Guidance period Guidance unchanged USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $310-$330M(3) RLDC Margin(1) FY 2026 41.7-43.7%(3) Adjusted Operating Expe…”
“Key Indicator Period Previous Guidance Revised Guidance USDC in Circulation Multi-year through cycle 40% CAGR 40% CAGR Other Revenue FY 2026 $150-$170M $310-$330M(3) RLDC Margin(1) FY 2026 38-40% 41.…”
“Key Indicator Period Current Outlook USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $150-$170M RLDC Margin(1) FY 2026 38-40% Adjusted Operating Expenses(2) FY 2026 $570-$…”
“Key Indicator Guidance period Guidance unchanged USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $310-$330M(3) RLDC Margin(1) FY 2026 41.7-43.7%(3) Adjusted Operating Expe…”
“Key Indicator Period Previous Guidance Revised Guidance USDC in Circulation Multi-year through cycle 40% CAGR 40% CAGR Other Revenue FY 2026 $150-$170M $310-$330M(3) RLDC Margin(1) FY 2026 38-40% 41.…”
“Key Indicator Period Current Outlook USDC in Circulation Multi-year through cycle 40% CAGR Other Revenue FY 2026 $150-$170M RLDC Margin(1) FY 2026 38-40% Adjusted Operating Expenses(2) FY 2026 $570-$…”