CRCL
Circle Internet Group
There isn't enough reported data to score CRCL yet.
V
Visa Inc.
V's fundamentals are strong: revenue grew 15% and earnings per share grew 21%. At 34x earnings, it's trading in line with its usual 33x. Analysts expect earnings growth.
CRCL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
CRCL's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CRCL.
V Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
V's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like V.
CRCL PE Valuation
CRCL has no meaningful PE right now: it lost money over the past year.
V PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 28x | $420 | — |
| Cheap | 30x | $371 | -12% |
| Fair | 33x | $402 | -4.4% |
| Current | 34x | $420 | — |
| Expensive | 38x | $474 | +13% |
Historical ranges are pointers, not guarantees.
V's PE is in its fair range at 34x. If earnings grow as analysts expect, today's price would be 28x next year's earnings, in its cheap range.
CRCL Forward outlook
There aren't enough analyst estimates for CRCL to show an outlook.
V Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Moderate | |
| High |
Analysts expect earnings and revenue growth for V, with profitability improving.
CRCL Earnings Per Share
CRCL and V do not have enough comparable growth data to identify a winner.
V Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $15.01 | +22% |
| Q3 2026 | $12.32 | +21% |
| Q2 2026 | $11.76 | +15% |
| Q1 2026 | $11.48 | +15% |
| Q4 2025 | $10.66 | +7.5% |
| Q3 2025 | $10.21 | +4.9% |
| Q2 2025 | $10.24 | +9.5% |
| Q1 2025 | $9.95 | +11% |
| Q4 2024 | $9.92 | +14% |
V's earnings per share have climbed steadily: $12.32 over the past year, up 21% from the year before, and higher year over year for 21 quarters in a row.
CRCL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $864.9M | +17% |
| Q2 2026 | $701.3M | +6.6% |
| Q1 2026 | $694.1M | +20% |
| Q4 2025 | $770.2M | +77% |
| Q3 2025 | $739.8M | +66% |
| Q2 2025 | $658.1M | +53% |
| Q1 2025 | $578.6M | +58% |
CRCL has the edge over V on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 24% | +13 points |
| Q2 2026 | 4.9% | +54 points |
| Q1 2026 | 6.5% | -9.6 points |
| Q4 2025 | 7.2% | +7 points |
| Q3 2025 | 11% | -3.4 points |
| Q2 2025 | -49% | -61 points |
| Q1 2025 | 16% | +1.7 points |
| Q4 2024 | 0.2% | N/A |
CRCL's operating margin was 24% last quarter, up 13 points from the same quarter a year ago, near the top of its range since 2024.
V Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $12.1B | +13% |
| Q2 2026 | $11.6B | +14% |
| Q1 2026 | $11.2B | +17% |
| Q4 2025 | $10.9B | +15% |
| Q3 2025 | $10.7B | +12% |
| Q2 2025 | $10.2B | +14% |
| Q1 2025 | $9.6B | +9.3% |
| Q4 2024 | $9.5B | +10% |
V's revenue has grown year over year for 22 quarters in a row: $12.1B last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 60% | +2.5 points |
| Q2 2026 | 59% | -1.6 points |
| Q1 2026 | 64% | +7.8 points |
| Q4 2025 | 62% | -3.8 points |
| Q3 2025 | 57% | -8.7 points |
| Q2 2025 | 61% | -6 points |
| Q1 2025 | 57% | -4.4 points |
| Q4 2024 | 66% | -3.4 points |
V has the edge over CRCL on profitability, with a higher operating margin.
CRCL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$35.6M | -$20.8M |
| Q1 2026 | $11.7M | -74% |
| Q4 2025 | $248.1M | +162% |
| Q3 2025 | -$14.7M | -114% |
| Q1 2025 | $44.9M | -34% |
CRCL's free cash flow was $741M over the past year, about three times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like CRCL.
V Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $6.9B | +18% |
| Q2 2026 | $6.1B | -2.7% |
| Q1 2026 | $2.6B | -40% |
| Q4 2025 | $6.4B | +27% |
| Q3 2025 | $5.8B | -8% |
| Q2 2025 | $6.3B | +33% |
| Q1 2025 | $4.4B | +2.6% |
| Q4 2024 | $5.1B | +51% |
V's free cash flow was $22.1B over the past year, up 2.2% from the year before. Free cash flow isn't a meaningful measure for financial services companies like V.
CRCL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -861K shares |
| 1 year | +149% | +160M shares |
CRCL has 268M diluted shares, up 149% from a year ago.
| Quarter | Spent |
|---|---|
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
V Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -7% | -136M shares |
| 1 year | -7.6% | -148M shares |
| 3 years | -13% | -268M shares |
| 5 years | -17% | -378M shares |
| Available history | -20% | -443M shares |
V has the edge over CRCL on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4B |
| Q2 2026 | $4.8B |
| Q1 2026 | $7.9B |
| Q4 2025 | $3.7B |
| Q3 2025 | $4.9B |
| Q2 2025 | $4.8B |
| Q1 2025 | $4.6B |
| Q4 2024 | $4B |
V spent $20.5B buying back its own shares over the past year, up 12% from the year before.
CRCL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.7x | Net Cash |
| Q2 2026 | -5.4x | Net Cash |
| Q1 2025 | -2.8x | Net Cash |
| Q4 2024 | -2.6x | Net Cash |
CRCL has the edge over V on leverage, with a lower net debt burden relative to earnings.
V Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.3x | Very low |
| Q2 2026 | 0.4x | Very low |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | 0.4x | Very low |
| Q4 2024 | 0.3x | Very low |
V's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like V.
CRCL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.1 | Neutral |
| Stochastic | 19.0 | Oversold |
CRCL's weekly RSI is 40 (neutral) and its Stochastic is 19 (oversold).
V Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 73.7 | Overbought |
| Stochastic | 82.0 | Overbought |
V's weekly RSI is 74 (overbought) and its Stochastic is 82 (overbought).
CRCL PE vs Financial Services Sector
CRCL has no meaningful PE right now: it lost money over the past year.
V PE vs Financial Services Sector
| Metric | V | Sector median | Relative |
|---|---|---|---|
| PE | 34x | 13x | 162% above |
| PE % | 62 | 63 | 1 pt below |
V is trading at 34x earnings, a 162% premium to the Financial Services sector's median of 13x.
CRCL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $78.4 | 19% below |
| 20 week MA | $77.1 | 17% below |
| 50 week MA | $84.2 | 24% below |
V has stronger trend alignment. CRCL is above 0 of 3 weekly averages versus V above 5 of 5.
V Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $397.6 | 5.7% above |
| 20 week MA | $378.3 | 11% above |
| 50 week MA | $346.0 | 21% above |
| 100 week MA | $343.7 | 22% above |
| 200 week MA | $300.6 | 40% above |
V is in an uptrend: it's above all five of its weekly moving averages, and 40% above its 200-week average.
CRCL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $107.7 | $81.3 | -25% |
| 2026 YTD | $81.3 | $63.8 | -21% |
CRCL has finished every year since 2025 lower, and it's down 21% so far in 2026.
V Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $189.4 | $208.7 | +10% |
| 2021 | $208.7 | $216.6 | +3.8% |
| 2022 | $216.6 | $205.8 | -5% |
| 2023 | $205.8 | $260.4 | +26% |
| 2024 | $260.4 | $318.7 | +22% |
| 2025 | $318.7 | $355.0 | +11% |
| 2026 YTD | $355.0 | $420.3 | +18% |
V has the edge over CRCL on returns for 2026, with the stronger performance.