On the stock market since 2025, it operates in the world of money and finance. It has 1,100 employees. Now — the numbers.
The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
Average growth of 139% a year over the last 4 years. Red columns mark years that ended in a loss.
Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Clearly below the class average.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
An investor who bought at the very peak is down 75% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
The company sells $2.7B a year; the problem isn’t sales — it’s costs running above that number.
The average analyst price target is $98.40 — 49% above today’s price.
A loss of $69.5M against $2.7B in annual sales.
Over the last 12 months, executives reported 329 sells against just 92 buys. Not an alarm bell by itself, but a number worth watching.
On our five-subject report card, CRCL sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: CRCL has solid sales but closed last year at a loss. The road back to profit runs through spending discipline.
Analysts’ average target sits above today’s price, yet the valuation grade (14/100) says the stock isn’t cheap.