Stock Ratings / Financials / CRCL / earnings

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Circle Internet Group Inc. (CRCL) Next Earnings Date & Expected ±12% Move

$79.99 -2.10% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Circle Internet Group Inc. (CRCL) carries a Roarable Rating of D (Sell) with 47/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $20.31B

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INTERACTIVE SCENARIO DECK:

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RQD QUANT TACHOMETERSELL / AVOID • D

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Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CRCL)Realized 20D OHLCV Swing Band: ±12%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±12% Swing Band

±$9.60 Expected Swing

MODEL EARNINGS SETUP GAUGE

CRCL Quantitative Pre-Earnings Setup: 47/100

Trailing EPS: $-0.27 • YoY Revenue Growth: 180%

Model Bullish Setup (47/100)Model Risk Weight (53/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$109.8M	-$69.5M	$529.7M	52%
FY 2024	2024-12-31	$15.2M	$155.7M	$326.4M	52%
FY 2023	2023-12-31	$19.9M	$267.6M	$138.7M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CRCL)

✓Walkthrough of CRCL's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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CRCL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -33.08%🛡️ HOLDING TREND SUPPORT

2026-11-01O $81.71H $81.71L $79.99C $79.99VOL 6.93M

RES: $89.48SUP: $79.29SMA50: $87.11SMA200: $86.08

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CRCL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CRCL Butterfly Map → + Track CRCL →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

26.2%/yr Implied 5Y Growth

vs. +180.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CRCL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CRCL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CRCL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CRCL)

Financials Rank #254 of 287 ⚔️ EFX vs CRCL Full Matrix →

1. Head-to-Head Financials Peer Comparison (CRCL vs. EFX, SOFI, SYF, AFRM)

Industry: Finance: Consumer Services (33 Tracked Issuers)

Across 287 tracked Financials securities in the Roarable RQD universe, Circle Internet Group Inc. (CRCL) ranks #254 by composite RQD confidence (47/100, grade D) and #115 by equity capitalization ($20.31B). Within this direct 5-issuer industry benchmark cohort, SYF leads on earnings valuation at 6.7x trailing P/E, while EFX leads on capital efficiency and profitability with 10.2% ROIC and — gross margin. SYF currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with CRCL at 47/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CRCL ACTIVE Circle Internet Group Inc.	D	47/100	—	—	-0.2%	-2.10%	$20.31B	Benchmark Subject
EFX Equifax Inc.	B-	70/100	31.8x	—	10.2%	+1.91%	$20.99B	/efx-vs-crcl →
SOFI SoFi Technologies Inc.	E	33/100	47.3x	—	2.1%	+2.74%	$22.74B	/sofi-vs-crcl →
SYF Synchrony Financial	B	72/100	6.7x	—	7.6%	+2.14%	$23.97B	/syf-vs-crcl →
AFRM Affirm Holdings Inc.	C-	60/100	—	—	-1.2%	+2.07%	$25.36B	/afrm-vs-crcl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001876042

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Circle Internet Group Inc. (CRCL) reported GAAP revenue of $109.8M (+624.0% vs. FY2024 revenue of $15.2M , and +453.0% cumulative change since FY2023) , GAAP net income of -$69.5M, operating cash flow of $542.1M, and free cash flow of $529.7M (+62.3% YoY). On the balance sheet, CRCL closed FY2025 with $78.71B in total assets against $33.92B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$109.8M	-$69.5M	$542.1M	$529.7M	$78.71B	$33.92B
FY2024 (FY)	2024-12-31	$15.2M	$155.7M	$344.6M	$326.4M	$45.83B	$19.86B
FY2023 (FY)	2023-12-31	$19.9M	$267.6M	$139.6M	$138.7M	$11.17B	$2.61B

3. CRCL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CRCL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Circle Internet Group Inc. (NYSE: CRCL) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $79.99 (-2.10% 1D, market cap $20.31B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 11/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 9/20. Across 287 tracked Financials issuers, CRCL ranks #254 in composite RQD confidence.

How does CRCL compare to EFX and SOFI in the Financials sector?

Within the Financials sector (Finance: Consumer Services), CRCL carries a Roarable D (47/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -0.2%. By comparison, EFX (Equifax Inc.) holds a B- grade (70/100 RQD, P/E 31.8x, ROIC 10.2%, cap $20.99B) and SOFI (SoFi Technologies Inc.) posts a E grade (33/100 RQD, P/E 47.3x, ROIC 2.1%, cap $22.74B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CRCL?

Per CRCL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001876042), Circle Internet Group Inc. generated $109.8M in revenue (+624.0% YoY), -$69.5M in net income, and $529.7M in free cash flow against $78.71B in total assets and $33.92B in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CRCL trading relative to its 50-day, 200-day, and 52-week technical levels?

CRCL last traded at $79.99 (-2.10% on volume of 6,928,111 shares), positioning the stock -8.17% below its 50-day simple moving average ($87.11) and -7.07% below its 200-day simple moving average ($86.08). Across its 52-week range of $49.90 to $140.00, CRCL sits at the 33.4% percentile with a 14-day RSI of 46.7 (NEUTRAL RANGE) and an implied next-earnings move of ±12.0% ($70.39 to $89.59).

CRCL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is CRCL's next earnings date?

Based on SEC filing cadence, Circle Internet Group Inc. (CRCL)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is CRCL stock expected to move on earnings?

Volatility modeling currently projects a ±12% event move for CRCL, spanning a range between $70.39 and $89.59.

Direct Sub-Reports: CRCL RQD Cockpit CRCL 12M Forecast CRCL Earnings & Move CRCL Dividends & DRIP CRCL Insiders & 13F CRCL Whale Options CRCL Profit Sankey CRCL News & Why