Circle
CRCLMarket price data through November 12, 2026.
Performance
Jun 2025 – Nov 2026
Track record
How this pick has done since Benson first called it.
- Benson Return
- -62%
- How much this stock is up since Benson first picked it — measured from the price at the time of that first pick, not from today.
- First pick price
- ~$168
- Roughly what one share cost when Benson first picked this stock. This is the starting line for the Benson Return.
- Tracking since
- August 2025
- The month this stock first became a Benson pick.
- Tracking duration
- 15 months
- How long Benson has been tracking this pick.
About Circle
Circle is the company behind USDC, one of the two biggest stablecoins in the world. A stablecoin is a digital dollar that lives on the internet and moves anywhere in seconds. Circle backs every USDC with cash and short term US government bonds, earns interest on that pile, and is building its own payments network called Arc.
The case for and against
Both sides of the story, in plain English.
- Revenue Rocket
Circle brought in about 2.7 billion dollars in 2025, up roughly 64 percent from the year before. The engine is simple: it earns interest on the government bonds backing every USDC, and USDC has topped 78 billion dollars in circulation. More digital dollars out in the world means a bigger pile earning interest.
- Arc Ambitions
Circle is building Arc, its own network made just for moving money, to compete with Visa and Mastercard. Even in early private testing with about 100 companies, Arc was already handling payments at a pace of 5.7 billion dollars a year. If it catches on, Circle earns from moving money, not just from holding it.
- Rate Cut Risk
Most of Circle's money comes from interest on the bonds behind USDC, so when the Federal Reserve cuts rates, that paycheck shrinks. Its reserve return already slid from 3.8 percent to 3.5 percent in a single quarter late last year. USDC has to keep growing fast just to hold income steady.
- Regulation Roulette
Big banks have lobbied hard to stop stablecoin companies from offering rewards to holders, saying it drains bank deposits, and the rules are still being settled. Circle also hands a big share of its interest income to partners like Coinbase that help spread USDC. With only about 15 cents of profit on every dollar of revenue, there is not much cushion if new rules squeeze it.
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How to read this page
This automated research summary uses Financial Modeling Prep market data through 2026-11-12. Model signals, scores, and risk labels can change and may be incomplete or wrong.
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