Could Investing $10,000 in Circle (CRCL) Stock Make You a Millionaire?

By Leo Sun – Mar 2, 2026 at 12:48PM ESTKey PointsCircle’s USD Coin is gaining momentum as a digital alternative to real U.S. dollars.It has plenty of room to grow, but it probably isn’t a millionaire-maker stock.Circle Internet Group (CRCL +13.10%), the issuer of the USD Coin (USDC +0.02%) stablecoin, went public last June at $31 per share. Its stock now trades at nearly $94. Could investing $10,000 in this hot fintech stock make you a millionaire over the next few decades? Image source: Getty Images. How does Circle make money? Circle's USD Coin, a cryptocurrency pegged to the U.S. dollar, is used to settle cross-border transactions at faster and cheaper rates than conventional interbank transfers. It's also an easy way for people in countries grappling with hyperinflation, currency devaluation, and geopolitical conflicts to preserve their savings without buying actual U.S. dollars. Like other stablecoins, USD Coin can be staked on centralized exchanges or decentralized finance protocols to earn yields higher than those of dollar-based savings accounts. But unlike many other stablecoins -- which hold other cryptocurrencies or opaque assets in their reserves to stay pegged to the U.S. dollar -- USD Coin is directly backed by cash and U.S. Treasuries held by regulated custodians. Circle is also the only company that can mint new USD Coins. ExpandNYSE: CRCLCircle Internet GroupToday's Change(13.10%) $10.93Current Price$94.37Key Data PointsMarket Cap$20BDay's Range$80.42 - $95.3652wk Range$31.00 - $298.99Volume1.2MAvg Vol13MGross Margin5.88% Circle's centralized approach makes USD Coin less appealing to people seeking decentralized stablecoins shielded from government regulators. However, they're a perfect fit for companies like Visa (V 0.01%) and Intuit (INTU +3.71%), which both recently integrated USD Coin into their ecosystems to accelerate their financial transactions. Most of Circle's revenue comes from its reserve interest income, or the interest it earns from the bank deposits and short-term Treasuries held in its own reserves. A smaller but growing percentage of its revenue comes from transaction fees, which it charges for routing payments through its blockchain, as well as subscription fees from businesses that tether their platforms to its ecosystem via APIs, wallets, and other applications. Could Circle generate millionaire-making gains? From 2025 to 2027, analysts expect Circle's revenue to increase at a 25% CAGR. They also expect it to turn profitable this year and grow EPS by 69% in 2027. The growing demand for its stablecoins should support that robust growth. To meet that demand, Circle will increase its reserves to mint more USD Coins, thereby boosting its reserve interest income. Its other fees should also rise as it locks in more financial partners. That growth trajectory sounds promising, but Circle's stock isn't cheap at 84 times this year's earnings. If it matches analysts' estimates through 2027, continues to grow its EPS at a 25% CAGR over the following nine years, and trades at a more sustainable (but still expensive) 50 times forward earnings, its stock could rise more than sixfold over the next decade. That's a solid long-term gain, but it probably won't turn a $10,000 investment into $1 million.Read NextFeb 25, 2026 •By Joe TenebrusoWhy Circle Internet Stock Soared TodayDec 16, 2025 •By Joe TenebrusoWhy Circle Stock Jumped TodaySep 26, 2025 •By Johnny RiceWhy Did Circle Internet Stock Fall 11.9% This Week?Aug 19, 2025 •By Motley Fool StaffMaking Sense of Market HyperboleAug 12, 2025 •By Rich SmithWhy Circle Internet Stock Popped TodayJun 27, 2025 •By Motley Fool StaffCarnival's Success, Circle Internet Group's Rise, and MoreAbout the AuthorLeo Sun is a contributing Motley Fool stock market analyst who has worked with the company since 2013, covering technology, consumer goods, industrial, and financial sectors. He became a self-made millionaire by age 40 through long-term investing, crediting lessons from Warren Buffett and Peter Lynch. Leo is a regular guest on CNBC Asia providing stock analysis on Chinese technology companies, including Tencent, Baidu, and Alibaba. He previously wrote for InvestorGuide and holds a bachelor’s degree in English from the University of Texas at Austin.TMFSunLionX@TMFSunLionStocks MentionedCircle Internet GroupNYSE: CRCL$94.60(+13.38%)+$11.16IntuitNASDAQ: INTU$424.58(+3.80%)+$15.55VisaNYSE: V$321.09(+0.30%)+$0.95USDCCRYPTO: USDC$1.00(+0.02%)+$0.00*Average returns of all recommendations since inception. Cost basis and return based on previous market day close.