WallStSmart

Circle Internet Group, Inc. (CRCL)vsMedtronic PLC (MDT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Medtronic PLC generates 1192% more annual revenue ($35.48B vs $2.75B). MDT leads profitability with a 13.0% profit margin vs -2.5%. MDT appears more attractively valued with a PEG of 1.36. MDT earns a higher WallStSmart Score of 58/100 (C).

CRCL

Hold

42

out of 100

Grade: D

Growth: 10.0Profit: 3.0Value: 4.0Quality: 5.0
Piotroski: 2/9Altman Z: 0.05

MDT

Buy

58

out of 100

Grade: C

Growth: 4.0Profit: 6.5Value: 6.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CRCL.

MDTUndervalued (+27.7%)

Margin of Safety

+27.7%

Fair Value

$107.79

Current Price

$76.15

$31.64 discount

UndervaluedFair: $107.79Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRCL3 strengths · Avg: 10.0/10
Revenue GrowthGrowth
76.9%10/10

Revenue surging 76.9% year-over-year

EPS GrowthGrowth
880.0%10/10

Earnings expanding 880.0% YoY

Debt/EquityHealth
0.0510/10

Conservative balance sheet, low leverage

MDT4 strengths · Avg: 8.3/10
Market CapQuality
$100.09B9/10

Large-cap with strong market position

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Operating MarginProfitability
20.0%8/10

Strong operational efficiency at 20.0%

Free Cash FlowQuality
$2.30B8/10

Generating 2.3B in free cash flow

Areas to Watch

CRCL4 concerns · Avg: 2.8/10
Price/BookValuation
8.3x4/10

Trading at 8.3x book value

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
4.352/10

Expensive relative to growth rate

Return on EquityProfitability
-2.8%2/10

ROE of -2.8% — below average capital efficiency

MDT1 concerns · Avg: 2.0/10
EPS GrowthGrowth
-11.8%2/10

Earnings declined 11.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : CRCL

The strongest argument for CRCL centers on Revenue Growth, EPS Growth, Debt/Equity. Revenue growth of 76.9% demonstrates continued momentum.

Bull Case : MDT

The strongest argument for MDT centers on Market Cap, Price/Book, Operating Margin. PEG of 1.36 suggests the stock is reasonably priced for its growth.

Bear Case : CRCL

The primary concerns for CRCL are Price/Book, Piotroski F-Score, PEG Ratio.

Bear Case : MDT

The primary concerns for MDT are EPS Growth.

Key Dynamics to Monitor

CRCL profiles as a hypergrowth stock while MDT is a value play — different risk/reward profiles.

CRCL is growing revenue faster at 76.9% — sustainability is the question.

MDT generates stronger free cash flow (2.3B), providing more financial flexibility.

Monitor CAPITAL MARKETS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MDT scores higher overall (58/100 vs 42/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Circle Internet Group, Inc.

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Circle Internet Group, Inc. is a platform, network, and market infrastructure for stablecoin and blockchain applications. The company is headquartered in New York, New York.

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Medtronic PLC

HEALTHCARE · MEDICAL DEVICES · USA

Medtronic plc is an American-Irish registered medical device company that primarily operates in the United States. Medtronic has an operational and executive headquarters in Fridley, Minnesota in the US.

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