CRCL (Circle Internet Group) Effective Interest Rate on Debt %: 0.41% (As of Mar. 2026)

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CRCL Circle Internet Group Inc CRCL
40 GF Score
Price $62.47
! 4 Warning Signs
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What is Circle Internet Group Effective Interest Rate on Debt %?

Circle Internet Group CRCL +1.80% 40 Effective Interest Rate on Debt % is 0.41% as of Mar. 2026. GuruFocus rates CRCL with a GF Score™ of 40/100. The stock has 4 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Circle Internet Group's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $0 Mil. Circle Internet Group's average total debt for the quarter that ended in Mar. 2026 was $37 Mil. Therefore, Circle Internet Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 0.41%.


Circle Internet Group  (NYSE:CRCL) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Circle Internet Group Effective Interest Rate on Debt % Related Terms


Circle Internet Group Effective Interest Rate on Debt % Historical Data

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The historical data trend for Circle Internet Group's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Circle Internet Group Effective Interest Rate on Debt % Chart

Circle Internet Group Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.97 0.29 3.27 3.84 3.16

Circle Internet Group Quarterly Data
Dec19 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.43 1.13 0.80 0.83 0.41

CRCL vs FUTU, IREN, EVR: Effective Interest Rate on Debt % Comparison

For the Capital Markets subindustry, Circle Internet Group's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Circle Internet Group Effective Interest Rate on Debt % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Circle Internet Group's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Circle Internet Group's Effective Interest Rate on Debt % falls into.


CRCL
40GF Score
Circle Internet Group Inc CRCL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Circle Internet Group Effective Interest Rate on Debt % Calculation

Circle Internet Group's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -1.226/( (40.717+36.821)/ 2 )
=-1  *  -1.226/38.769
=3.16 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=40.717 + 0
=40.717

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 36.821
=36.821

Circle Internet Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -0.152/( (36.821+0)/ 1 )
=-1  *  -0.152/36.821
=0.41 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 36.821
=36.821

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 0.41% mean?
Circle Internet Group (CRCL) has a Effective Interest Rate on Debt % of 0.41% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Circle Internet Group and its competitors.
Is Circle Internet Group's Effective Interest Rate on Debt % too high?
Circle Internet Group's current Effective Interest Rate on Debt % is 0.41%. Overall, Circle Internet Group has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Circle Internet Group's Effective Interest Rate on Debt % compare to FUTU and IREN?
Circle Internet Group's Effective Interest Rate on Debt % of 0.41% can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Capital Markets company?
A good Effective Interest Rate on Debt % depends on the Capital Markets industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Circle Internet Group and its competitors. Circle Internet Group's current Effective Interest Rate on Debt % is 0.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Circle Internet Group stock overvalued right now?
Circle Internet Group (CRCL) has a current Effective Interest Rate on Debt % of 0.41%. The current Effective Interest Rate on Debt % is 0.41%. Circle Internet Group's overall GF Score™ is 40/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Circle Internet Group (CRCL), the current Effective Interest Rate on Debt % is 0.41% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Circle Internet Group Business Description

Other Exchanges 1CRCL:ItalyET9:Germany
Address One World Trade Center, New York, NY, USA, 10007
Circle Internet Group Inc is a financial technology firm engaged in digital currencies and public blockchains for payments, commerce, and financial applications. The company's platform is a full-stack, internet financial platform business, organized around three pillars: Arc Blockchain and Developer Infrastructure, Circle Digital Assets and Services, and Circle Applications.
40GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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