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Wise PLC Class A
(LSE:WISE)
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Rating:82Outperform
Price Target:
1,256.00 p
▲(15.18% Upside)
Action:Reiterated
Date:01/21/26
The score is led by very strong financial performance (growth, profitability, balance-sheet strength, and cash flow), supported by a generally positive earnings call focused on customer and volume momentum. Offsetting factors are a relatively high valuation (P/E ~25.7 with no dividend) and mixed technical signals with negative MACD and an elevated RSI.
Positive Factors
Cash generation
Wise’s operating and free cash flow are consistently large and track net income closely, indicating high cash conversion and earnings quality. Durable cash generation supports reinvestment, product expansion, buybacks and flexibility to absorb cyclical shocks over the next 2–6 months.
Negative Factors
Margin compression
Margins compressed in 2026 despite revenue growth, reflecting rising operating or cost pressures and reducing earnings leverage. Persistent margin headwinds would challenge free cash flow conversion and return-on-capital metrics if not reversed within the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Wise’s operating and free cash flow are consistently large and track net income closely, indicating high cash conversion and earnings quality. Durable cash generation supports reinvestment, product expansion, buybacks and flexibility to absorb cyclical shocks over the next 2–6 months.
Read all positive factors
Wise PLC Class A (WISE) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£11.31B
Dividend YieldN/A
Average Volume (3M)1.74M
Price to Earnings (P/E)24.8
Beta (1Y)0.56
Revenue Growth8.87%
EPS Growth-10.29%
CountryUK
Employees6,500
SectorTechnology
Sector Strength88
IndustrySpecialty Business Services
Share Statistics
EPS (TTM)0.37
Shares Outstanding1,025,164,600
10 Day Avg. Volume2,175,526
30 Day Avg. Volume1,742,398
Financial Highlights & Ratios
PEG Ratio-3.92
Price to Book (P/B)5.77
Price to Sales (P/S)4.10
P/FCF Ratio1.47
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£1,191.59Price Target Upside9.27% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)0.4
Revenue Forecast (FY)£2.07B
Wise PLC Class A Business Overview & Revenue Model
Company Description
Headquartered in St. Helier, United Kingdom, Wise Group Plc specializes in providing international payment solutions. This company, established on June 17, 2025, delivers cross-border payment capabilities for both financial institutions and indivi...
How the Company Makes Money
Wise primarily makes money from fees and related revenue generated when customers move, convert, or spend money across currencies. Its key revenue streams include: (1) Transaction and conversion fees: Wise charges customers for international trans...
Wise PLC Class A Earnings Call Summary
Earnings Call Date:Nov 06, 2025
(Q2-2026)
| % Change Since: |
Next Earnings Date:Dec 01, 2026
Earnings Call Sentiment Neutral
The earnings call demonstrates strong customer growth and increased engagement, with significant investments in technology and partnerships driving future potential. However, these are tempered by pricing pressures, high operational costs, and significant one-time expenses.Positive Updates
Customer Growth and Engagement
Added 2 million active customers, reaching 13 million people and businesses using Wise. Cross-border volumes increased by 24% to nearly GBP 85 billion in the half year.
Negative Updates
Pricing Pressure
Cross-border take rate decreased by 10 basis points year-on-year to 52 basis points, with revenue increasing only 5% compared to last year.
Read all updates
Q2-2026 Updates
Positive
Negative
Customer Growth and Engagement
Added 2 million active customers, reaching 13 million people and businesses using Wise. Cross-border volumes increased by 24% to nearly GBP 85 billion in the half year.
Read all positive updates
Company Guidance
In the recent Wise call, the company reported significant growth and strategic investments that have bolstered their performance. They added 2 million active customers, reaching 13 million in total, and achieved a 24% increase in cross-border volumes, amounting to nearly GBP 85 billion for the half-year. Wise has also successfully reduced their average fees by approximately 15%, resulting in a stronger customer affinity and a 13% growth in underlying income. Customer holdings have exceeded GBP 25 billion, highlighting growing trust. Additionally, 74% of payments are now instant, with money reaching recipients in under 20 seconds. Wise's active customer base expanded by 21%, and the cross-border volume grew by 34% annually. The company remains committed to sustainable growth, aiming for a profit before tax margin between 13% and 16%. Looking ahead, Wise plans to continue investing in infrastructure and international banking features, while maintaining a strategic focus on pricing and customer retention.Wise PLC Class A Financial Statement Overview
Summary
Income Statement
92
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
90
Very Positive
| Breakdown | Mar 2026 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 2.05B | 1.81B | 1.41B | 986.30M | 563.80M |
| Gross Profit | 1.18B | 1.31B | 1.10B | 638.20M | 369.10M |
| EBITDA | 525.19M | 598.60M | 520.00M | 179.70M | 71.20M |
| Net Income | 377.23M | 416.70M | 354.60M | 114.00M | 32.90M |
Balance Sheet | |||||
| Total Assets | 25.16B | 19.25B | 15.14B | 11.90B | 7.56B |
| Cash, Cash Equivalents and Short-Term Investments | 24.50B | 12.83B | 9.22B | 7.65B | 2.32B |
| Total Debt | 365.89M | 185.60M | 224.20M | 264.40M | 95.70M |
| Total Liabilities | 23.70B | 17.86B | 14.16B | 11.33B | 7.16B |
| Stockholders Equity | 1.46B | 1.39B | 979.90M | 576.90M | 409.20M |
Cash Flow | |||||
| Free Cash Flow | 5.70B | 4.46B | 3.24B | 3.91B | 3.13B |
| Operating Cash Flow | 5.71B | 4.49B | 3.25B | 3.92B | 3.14B |
| Investing Cash Flow | 1.32B | -598.40M | -142.60M | -2.59B | -490.40M |
| Financing Cash Flow | -207.94M | -181.30M | -125.60M | 153.90M | -1.30M |
Wise PLC Class A Technical Analysis
Negative
1090.50
Price Trends
904.06
Positive
930.00
Negative
921.05
Negative
Market Momentum
17.52
Negative
49.30
Neutral
32.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:WISE, the sentiment is Negative. The current price of 1090.5 is above the 20-day moving average (MA) of 920.79, above the 50-day MA of 904.06, and above the 200-day MA of 921.05, indicating a neutral trend. The MACD of 17.52 indicates Negative momentum. The RSI at 49.30 is Neutral, neither overbought nor oversold. The STOCH value of 32.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:WISE.
Wise PLC Class A Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | £11.31B | 24.78 | 27.43% | ― | 8.87% | -10.29% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
55 Neutral | £20.55M | -9.50 | -67.57% | ― | -15.25% | 58.72% | |
39 Underperform | £11.86M | -6.86 | -29.54% | ― | -44.27% | -350.00% |
* Technology Sector Average
GB:WISE
Wise PLC Class A
917.00
-116.00
-11.23%
GB:TIA
IDE Group Holdings Plc
51.50
-12.50
-19.53%
GB:GST
GSTechnologies
0.51
-0.64
-55.65%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.