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Circle Posts $214 Million Q3 Profit on USDC Surge as Stock Falls on Rate, Cost Jitters

Circle looks to Arc plus payments growth to reduce reliance on reserve yields.

Overview

  • Total revenue and reserve income reached $740 million with EPS of $0.64, as USDC circulation rose 108% year over year to $73.7 billion.
  • Reserve income was about $711 million for the quarter, with the reserve return rate declining 96 basis points to roughly 4.15%.
  • Management raised adjusted operating expense guidance to $495–$510 million and lifted the full‑year Other Revenue outlook to $90–$100 million.
  • The Arc public testnet now includes more than 100 participants, and Circle said it is exploring a native Arc token to support the network’s growth.
  • Shares fell as much as about 10% as investors weighed lower yield prospects and higher costs, while Ark Invest disclosed a purchase of over $30 million in CRCL stock following the drop.