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CRCRCL

Circle Internet Group

$CRCL·$16B·Financial - Capital Markets·Financial Services
$60.46-0.3%YTD-25.2%1Y-74.3%
Mentions · last 7 days
2026-07-11: 492 posts2026-07-12: 1,401 posts2026-07-13: 704 posts2026-07-14: 366 posts2026-07-15: 412 posts2026-07-16: 280 posts2026-07-17: 248 posts4,133-5%
Price updated 1d ago·X counts updated 1d ago
CRCRCL
$CRCLCircle Internet Group
$60.46-0.30%4.1k posts-5%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $CRCL, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptWinding up for a moveAI verdict · as of 2026-07-19

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

USDC issuer with a fresh federal trust charter and 74% off highs — but the founder just sold $4M into the base-forming.

Circle is the issuer of USDC, the second-largest stablecoin, and just secured a federal trust charter from the OCC — the first stablecoin bank charter — that gives it a regulatory moat competitors will take years to match. The stock is 74% off May 2025 highs and base-forming near $60, with ARK Invest actively adding.

  • The regulatory moat is genuinely rare in crypto: the OCC's approval for Circle National Trust makes CRCL the first stablecoin-native federally chartered institution, with new integrations landing at Fireblocks (~$10T of secured digital-asset transactions) and JCB (140M+ members) — this is the compliant-infrastructure story that the pre-CLARITY-Act framing has been waiting for.
  • The financials are still finding their operating shape: revenue grew 20% YoY to $690M last quarter with 18% gross margin and 8% operating margin — a business built on interest income from USDC reserves, so profitability is genuinely rate-sensitive, and the stock will re-rate as much on the Fed path as on operational execution.
  • The insider signal is a real counter to the base-forming narrative: founder-CEO Jeremy Allaire sold $3.98M on July 8 and other officers layered on ~$5M more in early July — combined $9M of officer selling into the 5%-of-52w-range tape reads as risk-off, not as management catching a bottom.

The Aug 11 earnings print sits inside a regulatory-window catalyst (CLARITY Act progress) that could compress the range in either direction — a clean quarter with USDC circulation growth combined with any legislative movement restarts the setup toward the $130 zone analysts have targeted; a soft print with rate-cut framing pushes the stock back below $55.

Agrees with X sentimentX is confidently bullish accumulation into the pre-CLARITY-Act catalyst window with ARK adding and multiple $157-243 analyst targets cited, and the OCC trust charter + Fireblocks/JCB deals genuinely support the regulatory-moat framing. The counter the crowd is under-weighting is the $9M of founder + officer selling in the past two weeks, which is not the pattern of management catching a bottom.

What to watch: Aug 11 earnings and CLARITY Act progress — USDC circulation growth with legislative movement restarts the setup toward $130; a soft print combined with rate-cut framing pushes the stock back below $55.

On the calendar: 2026-08-11 — Q2 2026 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment38 posts analyzed · as of 2026-07-18

Circle secured final approval from the OCC to launch Circle National Trust (the first stablecoin bank charter), signed a deal with Fireblocks (roughly $10T of secured digital asset transactions), added JCB as a USDC partner (140M+ members), and is now legal in the US, Japan and Argentina. ARK Invest added another 220,000 shares worth $13.9M, and the tape is being framed as a base-forming after a roughly 72% drawdown from May highs with heavy accumulation near $65-70. Bulls point to Circle as the only compliant stablecoin infrastructure provider and multiple analysts targeting $157-243. Bears note the stock is still 72% off highs and one skeptic advised traders to fade the July advice at $62. Overall tone is confidently bullish accumulation into what many describe as the pre-CLARITY Act catalyst window.

Read the AI verdict + X sentiment for $CRCL

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Issues USDC stablecoin and operates payment and treasury infrastructure enabling digital dollar transactions on blockchain networks.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Capital Markets sits in its cycle right now — and what that implies for $CRCL.

Financial - Capital Markets · Financial Services

No material change from last week — Robinhood reporting its highest single-day signups confirms the retail infrastructure layer directly benefits from high-profile IPO cycles.

What this means for $CRCL

Neutral — Issues USDC stablecoin and operates payment and treasury infrastructure enabling digital dollar transactions on blockchain networks; end markets and revenue mix have limited overlap with the retail trading surge and IPO/crypto market cycle.

Top industry ETF

$IAIiShares U.S. Broker-Dealers & Securities Exchanges ETF
+4.7%YTD
+8.6%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-246.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
-2.2%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
-4.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
2.4%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
7.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-2.6%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
7.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 11, 2026$0.21$0.19+8.1%
Q4 2025Feb 25, 2026$0.43$0.16+161.6%
Q3 2025Nov 12, 2025$0.64$0.19+234.7%
Q2 2025Aug 12, 2025$-4.48$-1.10-307.3%
Next earningsTue, Aug 11·consensus EPS $0.25

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$694.1M+20.0%17.6%7.9%$0.23$11.7M
Q4 FY25$770.2M+76.9%22.4%7.3%$0.55$264.7M
Q3 FY25$739.8M+66.0%22.0%11.0%$0.92$-26.3M
Q2 FY25$658.1M+53.0%-38.3%-49.5%$-4.48$258.8M

Forward consensus

5-year forecast · up to 17 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$3.1B$2.8B – $3.6B$0.98$0.65 – $1.7117
FY27$4.2B$3.3B – $5.3B$1.60$1.34 – $2.5417
FY28$5.4B$4.5B – $6.7B$2.72$1.87 – $4.2312
FY29$7.6B$6.3B – $10.4B$5.83$4.53 – $8.6611
FY30$7.8B$6.5B – $10.7B$3.84$2.98 – $5.706

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.5%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-31.7%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-35.4%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 186.2M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today4.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.295-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJul 8Nikhil ChandhokChief Product & Tech. Officer26.7K sh$1.7MSellJul 6Jeremy AllaireCEO59.2K sh$4.0MSellJul 2Hossein RazzaghiChief Commercial Officer1.8K sh$118KSellJul 2Tamara L SchulzChief Accounting Officer1.2K sh$77KSellJul 1Neville Patrick SeanDirector50.0K sh$3.1MSellJun 24Nikhil ChandhokChief Product & Tech. Officer453.2K sh$32.7MSellJun 10Heath TarbertPresident39.2K sh$3.2MSellJun 10Hossein RazzaghiChief Commercial Officer34.6K sh$2.7MSellJun 9Neville Patrick SeanDirector50.0K sh$4.1MSellJun 9Rajeev V DateDirector1.3K sh$108K
1–10 of 27
+ 45 other (16 exempts · 12 inkinds · 8 awards · 5 others · 4 conversions) in window

See when $CRCL insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KOfficer or director changeJun 128-K — Item 5.02: Officer or director change
AI summary

Rajeev Date resigned from the Board of Circle Internet Group, Inc. on June 12, 2026 effective immediately for personal reasons; he had served since October 2013 and as Lead Independent Director since November 2024. The board reduced from nine to eight directors, and Craig Broderick (director since June 2023) was named the new Lead Independent Director. The departure of a nearly 13-year veteran and Lead Independent Director at Circle — a major stablecoin issuer — during its post-IPO public company phase is a governance event worth monitoring, though no disagreement with company policy is cited.

8-KShareholder voteMay 188-K — Item 5.07: Shareholder vote
AI summary

Circle Internet Group, Inc. (CRCL) held its 2026 Annual Meeting of Stockholders on May 14, 2026, with Class A shareholders (1 vote/share) and Class B shareholders (5 votes/share) voting together on four proposals; Class C shareholders held no voting rights. The specific proposals and vote outcomes are not included in the available excerpt due to truncation. This is a routine annual meeting governance filing for the publicly-listed stablecoin-focused financial technology company.

3New insider — initial holdingsMar 173
8-KOfficer or director changeMar 178-K — Item 5.02: Officer or director change
+ 16 other (4 13Gs · 2 10-Ks · 2 Ds · 2 proxys) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Circle: Rival Stablecoin Launches Don't Make This A Zero-Sum Gameseekingalpha.com·23h agoCoinbase Just Joined a 140-Company Stablecoin Alliance. Here's What It Means for the Stock.fool.com·3d agoCoinbase, Circle stocks climb as analysts see Bitcoin-linked upsideinvezz.com·4d agoTrump's Crypto Push May Arrive Just in Time for Coinbase and Circlebenzinga.com·4d agoHere Are Tuesday's Best Wall Street Analyst Research Calls: Apple, Bloom Energy, Circle Internet Group, First Solar, Halliburton, IBM, Intuit, Newmont, SK hynix, and More247wallst.com·5d ago

In themes

Explore the broader themes this ticker is being talked about under.

Crypto Equity PlaysStablecoins & Tokenization

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