Is Circle Internet Group (CRCL) Undervalued? Valuation & Fair Price
At $84.51, 3 of the 4 frameworks would pass on Circle Internet Group today — Warren Buffett, Benjamin Graham, and Phil Town (Rule #1) rate it Avoid and Peter Lynch rates it Hold. Each model calculates its own fair value and margin of safety; create a free account to see the exact buy price behind every verdict.
Circle Internet Group
CRCLFinancial Services · Financial - Capital Markets · NYSE
$84.51
P/E 37.7×
CEO
Jeremy D. Allaire
Sector
Financial Services
Industry
Financial - Capital Markets
Website
www.circle.comCircle Internet Group, Inc. establishes and maintains the core infrastructure for stablecoin and blockchain-based applications, functioning as a foundational platform and network for this innovative financial technology. The company offers an extensive array of stablecoin products and services, empowering organizations to harness the benefits of digital currencies and the evolving internet-driven financial ecosystem. Notably, it is a prominent issuer of a stablecoin pegged to the U.S. dollar. Its robust digital asset network encompasses proprietary Circle stablecoins, tokenized investment funds, liquidity provision, payment processing solutions, and comprehensive support for both developers and system integration. Founded in 2013, the firm maintains its headquarters in New York, New York.
Investor scorecard
How the four investors rate Circle Internet Group
3 of 4 frameworks urge caution
Investor model analysis
Details lockedAt $84.51, 3 of 4 frameworks say Avoid
Intrinsic Value (DCF)
Warren Buffett's valuation model · select an investor above to switch
Intrinsic Value
Locked — upgrade to viewBuy Below
Locked — upgrade to viewStrong Buy
Locked — upgrade to viewMargin of Safety
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Insider & congress activity
Are insiders buying CRCL?
Over recent SEC Form 4 filings, CRCL insiders bought $0 and sold $35.5M of stock across 60 open-market trades. Insiders sell for many reasons, but they buy for one.
| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
| Chandhok NikhilChief Product & Tech. Officer | Sell | 26,668 | $2.1M | Oct 8, 2026 |
| Allaire JeremyChairman and CEO | Sell | 13,035 | $1.1M | Oct 5, 2026 |
| Allaire JeremyChairman and CEO | Sell | 33,145 | $2.8M | Oct 5, 2026 |
| Allaire JeremyChairman and CEO | Sell | 8,666 | $733K | Oct 5, 2026 |
| Allaire JeremyChairman and CEO | Sell | 1,354 | $115K | Oct 5, 2026 |
Members of Congress have also reported 1 trade in CRCL. See the full insider & congress timeline.
Source: SEC Form 4 filings. Open-market buys & sells only. Not investment advice.
See the interactive insider chart & every tradeScenario analysis
Bear, base & bull
Three growth assumptions, three fair values — and where today's price lands
What's working
Key strengths
Identified by Buffett framework analysis
Company financials
5-Year Financials
Income statement highlights — annual, USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | $2.7B | $1.7B | $1.5B | $772M | $85M |
| Rev. Growth | +63.9% | +15.6% | +87.9% | +809.6% | — |
| Net Income | -$70M | $156M | $268M | -$769M | -$508M |
| Net Margin | -2.5% | 9.3% | 18.4% | -99.6% | -598.8% |
| EPS (Diluted) | $-0.29 | $2.86 | $5.66 | $-16.48 | $-11.47 |
| Free Cash Flow | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view |
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Data as of Sep 21, 2026. Sourced from SEC filings & Financial Modeling Prep.
Educational Use Only · Not Financial Advice
Analysis, scores, valuations, and buy zones are derived from publicly documented investor frameworks (Buffett, Lynch, Benjamin Graham, Phil Town) for learning purposes only. They are not recommendations from licensed financial advisors. Past performance does not guarantee future results. Prices may be delayed up to 15 minutes. Always conduct your own research before making any investment decisions.