Wise PLC Class A (WISE) AI Stock Analysis

• Market Cap: £12.22B
• Dividend Yield: N/A
• Average Volume (3M): 1.74M
• Price to Earnings (P/E): 23.7
• Beta (1Y): 0.89
• Revenue Growth: 8.87%
• EPS Growth: -10.29%
• Country: UK
• Employees: 6,000
• Sector: Technology
• Sector Strength: 88
• Industry: Information Technology Services
• EPS (TTM): 0.19
• Shares Outstanding: 1,025,000,200
• 10 Day Avg. Volume: 2,175,526
• 30 Day Avg. Volume: 1,742,398
• PEG Ratio: 1.33
• Price to Book (P/B): 7.04
• Price to Sales (P/S): 5.40
• P/FCF Ratio: 2.19
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £1,363.50
• Price Target Upside: 43.45% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: 1,055.00p ▲(10.99% Upside)

Wise PLC's strong financial performance and strategic growth initiatives are key strengths, contributing positively to the overall score. However, bearish technical indicators and pricing pressures from the earnings call temper the outlook. The moderate valuation suggests some room for growth, but high operational costs remain a concern.

Positive Factors

Revenue Growth

Consistent revenue growth reflects Wise's expanding market reach and effective pricing strategy, supporting long-term business sustainability.

Customer Growth

Strong customer growth indicates increasing adoption of Wise's services, enhancing its competitive position and revenue potential.

Cash Flow Management

Effective cash flow management ensures Wise can fund growth initiatives and maintain financial stability, crucial for long-term success.

Negative Factors

Pricing Pressure

Pricing pressure may impact revenue growth and profitability, challenging Wise's ability to maintain its competitive edge in the long term.

High Operational Costs

Rising operational costs could strain margins and limit Wise's ability to invest in growth, affecting its long-term financial health.

Significant One-Time Costs

One-time costs can distort financial results and reduce profitability, impacting Wise's ability to reinvest in strategic initiatives.

Wise PLC Class A Business Overview & Revenue Model

Company Description

Wise PLC Class A (WISE) is a financial technology company that specializes in international money transfers and currency exchange services. The company operates primarily in the fintech sector, offering a user-friendly platform that enables individuals and businesses to send money across borders at lower costs compared to traditional banks. Wise provides services such as multi-currency accounts, borderless payments, and real-time currency conversion, catering to a global audience seeking transparent and efficient financial solutions.

How the Company Makes Money

Wise generates revenue primarily through transaction fees charged for currency conversions and money transfers. The company operates on a transparent pricing model, where it offers lower fees than traditional banking methods by leveraging its proprietary technology and network. Key revenue streams include fees from individual users transferring money, fees from businesses utilizing Wise for payroll or supplier payments, and fees from currency exchange services. Additionally, Wise benefits from partnerships with banks and financial institutions that enhance its capabilities and expand its customer base, contributing to overall earnings.

Wise PLC Class A Financial Statement Overview

Summary

Wise PLC demonstrates strong financial performance with robust revenue growth, healthy margins, and excellent cash flow management. The company's low debt-to-equity ratio and impressive return on equity highlight its stable financial structure and effective use of shareholder funds.

Income Statement

Wise PLC has demonstrated strong revenue growth, with a consistent upward trend over the years. The gross profit margin is robust, reflecting efficient cost management and pricing strategies. The net profit margin has also improved, indicating solid profitability. The EBIT and EBITDA margins are healthy, showcasing good operational performance.

Balance Sheet

The company maintains a very strong equity position with a low debt-to-equity ratio, indicating a conservative approach to leveraging. The return on equity is impressive, showing effective utilization of shareholders' funds. The equity ratio suggests a stable financial structure with assets largely funded by equity rather than liabilities.

Cash Flow

Wise PLC exhibits excellent cash flow management, with strong free cash flow generation and a high operating cash flow to net income ratio. The free cash flow to net income ratio further underscores the company's ability to convert net income into cash effectively, supporting future growth and investment opportunities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.76B	1.81B	1.41B	986.30M	563.80M	421.00M
Gross Profit	654.90M	1.31B	1.10B	638.20M	369.10M	260.50M
EBITDA	603.40M	598.60M	520.00M	166.90M	62.90M	60.90M
Net Income	416.70M	416.70M	354.60M	114.00M	32.90M	30.90M
Balance Sheet
Total Assets	19.25B	19.25B	15.14B	11.90B	7.56B	4.30B
Cash, Cash Equivalents and Short-Term Investments	12.83B	12.83B	9.22B	7.65B	2.32B	1.62B
Total Debt	185.60M	185.60M	224.20M	264.40M	95.70M	98.70M
Total Liabilities	17.86B	17.86B	14.16B	11.33B	7.16B	4.02B
Stockholders Equity	1.39B	1.39B	979.90M	576.90M	409.20M	285.30M
Cash Flow
Free Cash Flow	2.21B	4.46B	3.24B	3.91B	3.13B	2.05B
Operating Cash Flow	2.25B	4.49B	3.25B	3.92B	3.14B	2.07B
Investing Cash Flow	-598.40M	-598.40M	-142.60M	-2.59B	-490.40M	-671.80M
Financing Cash Flow	2.07B	-181.30M	-125.60M	153.90M	-1.30M	24.80M

Wise PLC Class A Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 950.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: 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 950.5 is below the 20-day moving average (MA) of 970.85, below the 50-day MA of 1032.26, and below the 200-day MA of 1030.84, indicating a bearish trend. The MACD of -25.03 indicates Positive momentum. The RSI at 27.95 is Positive, neither overbought nor oversold. The STOCH value of 31.39 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCC	76 Outperform	£2.99B	18.74	17.42%	2.54%	21.86%	0.86%
FDM	73 Outperform	£135.14M	8.72	24.53%	14.92%	-27.01%	-49.07%
WISE	72 Outperform	£12.22B	23.74	35.22%	―	8.87%	-10.29%
SCT	69 Neutral	£3.13B	23.60	41.77%	1.97%	51.50%	11.62%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
RCN	47 Neutral	£191.12M	54.55	4.99%	2.93%	-17.17%	―

Wise PLC Class A Corporate Events

Wise PLC Reports Strong Growth Amidst Strategic Expansion

Wise PLC reported strong financial performance for the first half of 2025, with significant growth in active customers and cross-border transaction volumes. The company is enhancing its infrastructure and product offerings, including new partnerships and product features, to capture a larger share of the cross-border payments market. These developments have led to an 18% increase in active customers and a 24% rise in cross-border volume, despite a slight decline in profit margins. Wise continues to focus on long-term growth through innovation and global expansion.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £13.90 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Updates on Voting Rights and Capital Structure

Wise PLC has announced an update regarding its total voting rights and capital structure. The company has issued 1,025,000,252 Class A ordinary shares and 218,584,255 Class B ordinary shares, resulting in a total of 2,951,758,547 voting rights. However, due to a cap on CEO Kristo Käärmann’s voting rights, the exercisable voting rights are reduced to 2,617,358,175. This cap ensures that Käärmann’s influence remains below 50% of the total votes, maintaining a balance in shareholder power.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £13.90 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Executives Engage in Share Transactions

Wise PLC has announced several transactions involving its Class A ordinary shares by key company executives. These transactions include the vesting and disposal of restricted stock units by Harsh Sinha, Jessica Winter, and Cian Weeresinghe, who hold significant roles within the company. The transactions were conducted on the London Stock Exchange and are part of the company’s equity incentive plans. This activity reflects the company’s ongoing efforts to manage its equity compensation and align executive interests with shareholder value.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1231.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Updates on Voting Rights and Capital Structure

Wise PLC has announced an update on its total voting rights and capital structure. The company has a total of 1,025,000,252 Class A ordinary shares and 218,584,255 Class B ordinary shares, resulting in a total of 2,951,758,547 voting rights. However, due to a cap on CEO Kristo Käärmann’s voting rights, the exercisable voting rights are reduced to 2,617,358,175. This cap ensures that Käärmann’s influence remains below 50% of the total votes, maintaining a balanced governance structure.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1231.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Chair Executes Share Transactions

Wise PLC announced that David Wells, a person discharging managerial responsibility and the Chair of the company, has exercised share options and disposed of shares in the company. The transactions involved the exercise of 100,000 Class A ordinary shares at a price of £0.61929 per share and the subsequent disposal of the same volume of shares at a price of £9.905147 per share on the London Stock Exchange. This activity reflects a significant financial move by a key executive, potentially impacting stakeholder perceptions and market dynamics.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1231.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Announces Share Disposal by General Counsel

Wise PLC has announced a transaction involving the disposal of shares by Jessica Winter, the company’s General Counsel, who is classified as a person discharging managerial responsibilities (PDMR). The transaction involved the sale of 2,500 Class A ordinary shares at a price of £10.20 per share, totaling £25,500. This move is part of the company’s compliance with the UK Market Abuse Regulation, highlighting transparency in its operations and potentially impacting stakeholder perceptions regarding insider activities.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1164.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Announces Successful AGM Results

Wise PLC has announced the results of its Annual General Meeting, where all resolutions were successfully passed. The resolutions included both ordinary and special resolutions, with significant support from shareholders. This outcome reflects strong shareholder confidence in the company’s strategic direction and governance, potentially strengthening its market position and stakeholder trust.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1259.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Updates Voting Rights and Capital Structure

Wise PLC has announced changes in its total voting rights and capital structure. The company has 1,025,000,252 Class A ordinary shares and 214,084,255 Class B ordinary shares, with a recent cessation of voting rights for 4,500,000 Class B shares. This adjustment results in a total of 2,951,758,547 voting rights across both classes. Notably, CEO Kristo Käärmann holds over 50% of the total voting rights, but his exercisable votes are capped to ensure they remain below 50%. This cap affects the total exercisable voting rights, reducing them to 2,617,358,175. This change could impact the company’s governance and decision-making processes.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1222.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Announces Share Disposal by Chief Marketing Officer

Wise PLC announced a transaction involving the disposal of 10,000 Class A ordinary shares by Cian Weeresinghe, the Chief Marketing Officer, at a price of £11.389134 per share. This transaction, conducted on the London Stock Exchange, reflects internal shareholding changes and may impact stakeholder perceptions of the company’s market activities.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1231.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Announces Voting Rights and Capital Structure

Wise PLC has announced its total voting rights and capital structure, highlighting that the company has issued 1,025,000,252 Class A ordinary shares and 218,584,255 Class B ordinary shares. The total voting rights for these shares amount to 2,992,258,547. Notably, CEO Kristo Käärmann holds over 50% of the voting rights, but his voting power is capped to ensure it remains below 50% while he is CEO, and below 35% if he ceases to be CEO. This cap results in a total of 2,698,358,175 exercisable voting rights. This announcement underscores the company’s governance structure and the influence of its CEO on decision-making processes.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1270.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Executives Dispose of Class A Shares

Wise PLC, a company known for its financial services, announced the disposal of shares by two of its key managerial personnel. Isabel Naidoo, Chief People Officer, and Rohan Basu, Head of Global Operations, both sold a significant number of Class A ordinary shares on the London Stock Exchange. This transaction, compliant with the UK Market Abuse Regulation, might indicate strategic financial decisions by the company’s leadership.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1240.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC’s General Counsel Sells Shares

Wise PLC announced a transaction involving the disposal of 5,000 Class A ordinary shares by Jessica Winter, the company’s General Counsel, on August 20, 2025. The shares were sold at a price of £10.874762 each, totaling £54,373.81, on the London Stock Exchange. This transaction is part of the regulatory requirements under the UK Market Abuse Regulation and may reflect strategic financial decisions by key personnel, potentially impacting investor perceptions and market dynamics.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1240.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Announces AGM and Board Restructuring

Wise PLC has announced its 2025 Annual General Meeting (AGM) and significant changes to its board and committees. Ingo Uytdehaage, the Chair of the Audit and Risk Committee, will not stand for re-election and will step down after the AGM. Terri Duhon will temporarily chair the committee, while David Wells will join on an interim basis. Additionally, David Wells will step down from the Remuneration Committee, with Hooi Ling Tan joining. These interim changes aim to maintain effective committee operations during the search for a new chair.

The most recent analyst rating on (GB:WISE) stock is a Buy with a £1240.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Grants Long Term Incentive Awards to CFO

Wise PLC has announced the granting of awards under its Long Term Incentive Plan to Emmanuel Francois Jean-Claude Laurent Thomassin, the company’s Chief Financial Officer. The award consists of 191,204 class A ordinary shares, with vesting conditions tied to continued service and performance metrics over a three-year period. This move is part of Wise’s strategy to align managerial incentives with company performance, potentially impacting shareholder value and company growth.

The most recent analyst rating on (GB:WISE) stock is a Hold with a £1185.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.

Wise PLC Announces Share Disposal by Interim Compliance Officer

Wise PLC announced a transaction involving the disposal of 3,000 Class A ordinary shares by SerJin Lee, the Interim Chief Compliance Officer. The transaction, valued at £31,140, took place on August 8, 2025, on the London Stock Exchange. This notification is in compliance with the UK Market Abuse Regulation, highlighting the company’s commitment to transparency in its financial dealings.

The most recent analyst rating on (GB:WISE) stock is a Hold with a £1185.00 price target. To see the full list of analyst forecasts on Wise PLC Class A stock, see the GB:WISE Stock Forecast page.