Circle Internet Group (CRCL) Stock Concentration Calculator
Calculator · free · no signup · CRCLQuantify Circle Internet Group concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →About Circle Internet Group
Circle Internet Group (CRCL) is a public Fintech company, incorporated in Delaware and headquartered in New York, NY. IPO'd Jun 4, 2025.
Last close: $79.72 per share (as of 2026-06-17).
Stablecoin issuer.
Equity grants at Circle Internet Group typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Circle Internet Group, Inc. is a payments technology company. Founded by Jeremy Allaire and Sean Neville in 2013, it is currently headquartered in New York City and issues two types of stablecoin: USDC, which has a conversion rate pegged to the U.S. dollar, and EURC, which is euro-denominated. It also issues USYC, a tokenized money market fund.
Source: Wikipedia (CC BY-SA 4.0)
Jeremy Allaire and Sean Neville founded Circle in October 2013, building it into the issuer of USDC, a dollar-backed stablecoin fully reserved with cash and short-term U.S. Treasuries. The company relocated its headquarters from Boston to 1 World Trade Center in New York City in 2024. Circle listed on the NYSE under ticker CRCL on June 5, 2025, pricing its IPO at $31 per share and closing the first session up 168 percent. As of Q1 2025, roughly $60 billion of USDC was in circulation across 4.9 million wallets.
Sources: cnbc.com · bostonglobe.com · investor.circle.com
Equity comp at Circle Internet Group
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Circle Internet Group.
If a meaningful share of your net worth sits in CRCL, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with CRCL's option-implied volatility.
Example: 5,000 CRCL shares at $79.72 is a $398,600 position. A 30% drawdown costs $119,580; a 50% drawdown costs $199,300; a 70% drawdown costs $279,020. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using CRCL's option-implied volatility and your cost basis.
All Circle Internet Group tools → · Use the generic Stock Concentration Calculator for any company.
Circle Internet Group equity questions
- How much CRCL stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your CRCL position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Circle Internet Group grant ISOs, NSOs, or RSUs?
- Equity compensation at Circle Internet Group typically takes the form of incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise. Restricted stock units are taxed as ordinary income when they vest.
- When did the Circle Internet Group IPO lockup expire?
- Circle Internet Group (CRCL) went public on June 4, 2025. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around December 1, 2025. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do Circle Internet Group RSUs use double-trigger vesting?
- No. Circle Internet Group restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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OptionsAhoy plans your Circle Internet Group equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.