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Circle Internet Group, Inc. (CRCL)
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Upturn Advisory Summary
09/15/2025: CRCL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 0% | Avg. Invested days 0 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 23.29B USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 31.00 - 298.99 | Updated Date 06/10/2025 |
52 Weeks Range 31.00 - 298.99 | Updated Date 06/10/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Circle Internet Group, Inc.
Company Overview
History and Background
Circle Internet Group, Inc. was founded in 2013 with the mission of raising global economic prosperity through programmable internet commerce. It has evolved from a peer-to-peer payment app to a global financial technology firm.
Core Business Areas
- USD Coin (USDC): Circle is the issuer of USDC, a fully reserved, dollar-backed stablecoin. It focuses on enabling businesses to use digital currencies and blockchain technology for payments and financial services.
- Cross-Border Payments: Circle facilitates fast and cost-effective cross-border payments using digital assets and blockchain technology.
- Treasury Management: Circle provides treasury management services that enable institutional investors to manage their digital asset holdings, earn yield, and access liquidity.
Leadership and Structure
Jeremy Allaire is the co-founder and CEO. Dante Disparte is the Chief Strategy Officer and Head of Global Policy. The company has a traditional corporate structure with various departments including engineering, product, sales, marketing, and compliance.
Top Products and Market Share
Key Offerings
- USD Coin (USDC): USDC is a stablecoin pegged to the US dollar. As of late 2023, it had a significant market capitalization, competing with other stablecoins like USDT. Competitors include Tether (USDT), Binance USD (BUSD), and Dai (DAI). Market share varies but in early 2024 it is around 20-25% of total stablecoin market capitalization.
- Circle Mint: A platform enabling institutional clients to mint and redeem USDC. Competitors include platforms that offer similar stablecoin creation and redemption services, as well as crypto exchanges that facilitate stablecoin transactions.
- Programmable Wallets: Circle's programmable wallets offer a secure and scalable way to manage digital assets. Competitors include various blockchain wallet providers and infrastructure providers like Fireblocks and Coinbase Cloud.
Market Dynamics
Industry Overview
The cryptocurrency and blockchain industry is rapidly growing, with increasing adoption of stablecoins, decentralized finance (DeFi), and blockchain-based payments. Regulatory scrutiny is also increasing.
Positioning
Circle is positioned as a trusted and compliant player in the digital currency ecosystem, focusing on enterprise and institutional adoption of USDC and blockchain technology. Its competitive advantage lies in its regulatory compliance efforts and focus on institutional clients.
Total Addressable Market (TAM)
The total addressable market is estimated to be in the trillions of dollars. Circle is positioned to capture a significant share by facilitating the use of USDC in various applications, including payments, DeFi, and cross-border transactions.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Regulatory compliance efforts
- Strategic partnerships
- Focus on institutional clients
- Significant USDC market capitalization
Weaknesses
- Dependence on USDC adoption
- Exposure to regulatory risks
- Competition from other stablecoins
- Centralized nature of USDC
- Limited profit margin
Opportunities
- Expanding USDC use cases in DeFi
- Growing adoption of blockchain payments
- Strategic acquisitions
- Partnerships with traditional financial institutions
- International expansion
Threats
- Increased regulatory scrutiny
- Competition from other stablecoins
- Security breaches and hacks
- Economic downturn
- Technological obsolescence
Competitors and Market Share
Key Competitors
- Tether (not publicly traded)
- Binance (not publicly traded)
- Paxos (not publicly traded)
- Coinbase (COIN)
Competitive Landscape
Circle faces stiff competition from Tether, which dominates the stablecoin market. Circle's advantages include its focus on regulatory compliance and institutional clients. Its disadvantages include lower market share and centralized nature.
Growth Trajectory and Initiatives
Historical Growth: Circle has experienced significant growth in USDC adoption and market capitalization. However, detailed figures are not public.
Future Projections: Future growth is projected to be driven by increased adoption of stablecoins and blockchain technology in various industries. Analyst estimates are not readily available due to its private status.
Recent Initiatives: Recent initiatives include expanding USDC support across different blockchain networks, launching new products for institutional clients, and engaging with regulators to promote responsible innovation.
Summary
Circle is a prominent player in the stablecoin market, particularly with its USDC offering. While facing strong competition from Tether, Circle differentiates itself through regulatory compliance and focus on institutional adoption. Future success hinges on expanding USDC's use cases and navigating the evolving regulatory landscape. The company needs to watch out for the increasing regulatory scrutiny and potential security breaches.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Circle's Website
- CoinMarketCap
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Circle Internet Group, Inc.
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2025-06-04 | Co-Founder, Chairman & CEO Mr. Jeremy D. Allaire | ||
Sector Financial Services | Industry Capital Markets | Full time employees 900 | Website https://www.circle.com |
Full time employees 900 | Website https://www.circle.com | ||
Circle Internet Group, Inc. operates as a platform, network, and market infrastructure for stablecoin and blockchain applications. The company provides a suite of stablecoins and related products that include a network utility and application platform for organizations to benefit from stablecoins and the internet financial system; and issues a U.S. dollar-denominated stablecoin. Its stablecoins network comprises circle stablecoins, tokenized funds, liquidity, payments, and developer services, as well as integration services. The company was founded in 2013 and is based in New York, New York.
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