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Circle10-Q: Inflation impact

Circle's reserve income is highly sensitive to interest rate changes, with a 100 bps change impacting income by over $737M.

Read at SEC EDGAR

What happened

The company's financial model shows that a 1% (100 bps) increase or decrease in interest rates would change its annual reserve income by an estimated $737 million. This significant exposure creates a pain point around financial forecasting and risk management, suggesting a need for sophisticated modeling, hedging, or yield optimization solutions to stabilize revenue.

Source

SEC EDGARAug 5, 2026

Quarterly report (Form 10-Q)

Circle 10-Q

Filing excerpt

Our results of operations are exposed to changes in interest rates, among other macroeconomic conditions.

sec.gov/Archives/edgar/data/1876042/000187604226000248/crcl-20260630.htmRead the full source

Other signals in this filing (9)

Extracted by Autobound

From the Signal API record
Signal
10-Q: Inflation impact

What this signalsFilings often name leadership changes, deals and spending plans.

Fiscal year end
06/30
Filed
Aug 5, 2026

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The full record

From the Signal API record

Numbers

Dollar figure
$737M (Estimated change in reserve income from a 100 bps change in interest rates.)
Percent
1% (100 bps change in interest rates.)

Details

CIK
1876042
Accession number
0001876042-26-000248
Timeframe
Next year
Filing year
2026
Fiscal year
0
Why it matters
Efficiency tools needed
Signal category
Operations

Topics and mentions

Vendors

  • Coinbase

Extraction

Confidence
High
Relevance
75%
Sentiment
Negative
Detected
Aug 11, 2026
signal_type
sec-10q
signal_subtype
inflationImpact

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The API returns more than this page shows

This page shows a preview. The full sec-10q record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.

Company

  • linkedin_urlValue in the API
  • industriesValue in the API
  • employee_count_lowValue in the API
  • employee_count_highValue in the API
  • revenueValue in the API
  • descriptionValue in the API

Signal

  • signal_nameValue in the API
  • associationValue in the API
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Show the full JSONThe record on this page and the API request

GET /v1/signals/dec8d8db-c8d7-4abf-9fda-afc937580d9b returns this record as JSON. POST /v1/companies/enrich returns every signal for circle.com.

{
  "signal_id": "dec8d8db-c8d7-4abf-9fda-afc937580d9b",
  "signal_type": "sec-10q",
  "signal_subtype": "inflationImpact",
  "detected_at": "2026-08-11T08:09:21.195+00:00",
  "company": {
    "name": "Circle",
    "domain": "circle.com"
  },
  "data": {
    "detail": "The company's financial model shows that a 1% (100 bps) increase or decrease in interest rates would change its annual reserve income by an estimated $737 million. This significant exposure creates a pain point around financial forecasting and risk management, suggesting a need for sophisticated modeling, hedging, or yield optimization solutions to stabilize revenue.",
    "metrics": {
      "pct": 0.01,
      "timeframe": "next_year",
      "pct_context": "100 bps change in interest rates.",
      "dollar_context": "Estimated change in reserve income from a 100 bps change in interest rates.",
      "dollar_millions": 737
    },
    "summary": "Circle's reserve income is highly sensitive to interest rate changes, with a 100 bps change impacting income by over $737M.",
    "excerpts": "Our results of operations are exposed to changes in interest rates, among other macroeconomic conditions.",
    "relevance": 0.75,
    "sentiment": "negative",
    "confidence": "high",
    "source_url": "https://www.sec.gov/Archives/edgar/data/1876042/000187604226000248/crcl-20260630.htm",
    "filing_date": "2026-08-05",
    "filing_year": 2026,
    "fiscal_year": 0,
    "fiscal_year_end": "06/30",
    "sales_relevance": "Efficiency tools needed",
    "signal_category": "operations",
    "vendors_mentioned": [
      "Coinbase"
    ]
  }
}

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