CRCL vs. SCHD

Last updated Apr 4, 2026

Compare and contrast key facts about Circle Internet Group, Inc (CRCL) and Schwab U.S. Dividend Equity ETF (SCHD).

SCHD is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Dividend 100 Index. It was launched on Oct 20, 2011.

Performance

CRCL vs. SCHD - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Circle Internet Group, Inc (CRCL) and Schwab U.S. Dividend Equity ETF (SCHD). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, CRCL achieves a 13.82% return, which is significantly higher than SCHD's 12.35% return.

CRCL

• 1D: -0.53%
• 1M: -14.26%
• YTD: 13.82%
• 6M: -38.08%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

SCHD

• 1D: 0.16%
• 1M: -2.29%
• YTD: 12.35%
• 6M: 13.59%
• 1Y: 18.75%
• 3Y*: 11.70%
• 5Y*: 8.35%
• 10Y*: 12.30%

*Multi-year figures are annualized to reflect compound growth (CAGR)

CRCL vs. SCHD - Yearly Performance Comparison

	2026 (YTD)	2025
CRCL Circle Internet Group, Inc	13.82%	155.81%
SCHD Schwab U.S. Dividend Equity ETF	12.35%	7.46%

Correlation

The correlation between CRCL and SCHD is 0.12, which is low. Their price movements are largely independent, making them effective diversification partners. Combining low-correlation assets is one of the most reliable ways to reduce portfolio risk without sacrificing expected returns.

Return for Risk

CRCL vs. SCHD — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SCHD

SCHD Risk / Return Rank: 40
SCHD Sharpe Ratio Rank: 45
SCHD Sortino Ratio Rank: 46
SCHD Omega Ratio Rank: 44
SCHD Calmar Ratio Rank: 32
SCHD Martin Ratio Rank: 31

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CRCL vs. SCHD - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Circle Internet Group, Inc (CRCL) and Schwab U.S. Dividend Equity ETF (SCHD). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	CRCL	SCHD	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	0.89	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.58	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.74	—
Sharpe Ratio (All Time) Calculated using the full available price history	1.21	0.84	+0.37

Drawdowns

CRCL vs. SCHD - Drawdown Comparison

The maximum CRCL drawdown since its inception was -80.93%, which is greater than SCHD's maximum drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for CRCL and SCHD.

Drawdown Indicators

	CRCL	SCHD	Difference
Max Drawdown Largest peak-to-trough decline	-80.93%	-33.37%	-47.56%
Max Drawdown (1Y) Largest decline over 1 year	—	-4.61%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-16.85%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-33.37%	—
Current Drawdown Current decline from peak	-65.74%	-3.27%	-62.47%
Average Drawdown Average peak-to-trough decline	-52.18%	-3.34%	-48.84%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	3.76%	—

Volatility

Volatility by Period

	CRCL	SCHD	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	2.35%	—
Volatility (6M) Calculated over the trailing 6-month period	—	7.93%	—
Volatility (1Y) Calculated over the trailing 1-year period	219.94%	15.69%	+204.25%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	219.94%	14.40%	+205.54%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	219.94%	16.69%	+203.25%

Dividends

CRCL vs. SCHD - Dividend Comparison

CRCL has not paid dividends to shareholders, while SCHD's dividend yield for the trailing twelve months is around 3.45%.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CRCL Circle Internet Group, Inc	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SCHD Schwab U.S. Dividend Equity ETF	3.45%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%