With Circle's $Circle Internet Corp.(CRCL)$ Q3 earnings just around the corner, I'm quite curious to see how the market will react to its second public report. The company is still in the early phase of proving itself beyond being a "stablecoin issuer" — it's positioning as an infrastructure play in digital payments and tokenized finance. Analysts'estimates of around $699 million in revenue and EPS of $0.175 suggest solid growth, but the key will be whether Circle can show meaningful progress in scaling USDC adoption and expanding beyond crypto-native use cases.
At around $100, I'd say Circle looks fairly valued based on its fundamentals and market potential, though it's not cheap. The stock already prices in a premium for its leadership in the stablecoin ecosystem, and investors are betting that regulatory clarity and institutional adoption will eventually lift margins and transaction volumes. That said, I'd prefer to see consistent revenue diversification — particularly from treasury yields, developer fees, and cross-border payment growth — before declaring it a strong buy.
If I were to allocate, I'd probably take a small position through a DCA approach. The stablecoin industry has structural tailwinds, especially as tokenization becomes more mainstream, but Circle's business still carries regulatory and crypto-sentiment risks. I'd rather build exposure gradually as the company proves operational resilience and regulatory compliance in multiple jurisdictions.
Overall, I view Circle's second earnings report as a key checkpoint. It's not just about the numbers — I'll be looking for management commentary on on-chain transaction growth, partnerships with fintechs, and updates on its expansion into Asia and Europe. If the company shows clear momentum in these areas, it could strengthen the long-term investment case for Circle as a backbone of the new digital financial system.
As a retail investor, I focus mainly on the US and Singapore markets, combining a mix of technical trading and long-term investing strategies. I enjoy analyzing charts, spotting patterns, and making calculated moves based on both market sentiment and fundamentals. While I'm not a professional, I treat my portfolio seriously and continue to learn and grow with each trade. If you're also navigating the markets and enjoy discussing stocks, options, or market trends, feel free to follow me. Let's learn and grow together as a community.
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
- Venus Reade·11-13TOPWall Street is trying very very hard to ream and scare out retail.... They know your patience is thin and tend to panic.1Report
- Enid Bertha·11-13TOPBuy and hold next couple of months $2001Report