Wise PLC Class A (GB:WISE)
LSE:WISE
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Wise PLC Class A
(LSE:WISE)
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Rating:82Outperform
Price Target:
1,015.00 p
▼(-1.93% Downside)
Action:ReiteratedDate: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
Robust profitability and margins
Consistently strong gross, net and operating margins indicate durable unit economics and efficient cost management. Healthy margins support reinvestment in product and compliance, give buffer against competitive pricing, and underpin sustainable free cash flow generation over the medium term.
Negative Factors
Pricing pressure (lower take rate)
A declining take rate reduces revenue per transaction, meaning the business must scale volumes materially just to maintain top-line momentum. Persistent pricing pressure can compress margins and force trade-offs between growth (lower fees) and profitability over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Robust profitability and margins
Consistently strong gross, net and operating margins indicate durable unit economics and efficient cost management. Healthy margins support reinvestment in product and compliance, give buffer against competitive pricing, and underpin sustainable free cash flow generation over the medium term.
Read all positive factors
Wise PLC Class A (WISE) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£11.80B
Dividend YieldN/A
Average Volume (3M)1.74M
Price to Earnings (P/E)14.2
Beta (1Y)0.54
Revenue Growth8.87%
EPS Growth-10.29%
CountryUK
Employees6,000
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)0.18
Shares Outstanding1,025,672,200
10 Day Avg. Volume2,175,526
30 Day Avg. Volume1,742,398
Financial Highlights & Ratios
PEG Ratio1.33
Price to Book (P/B)7.04
Price to Sales (P/S)5.40
P/FCF Ratio2.19
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£1,239.14Price Target Upside19.72% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)0.39
Revenue Forecast (FY)£1.99B
Wise PLC Class A Business Overview & Revenue Model
Company Description
Wise plc provides cross-border money transfer services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally. The company's transfer infrastructure includes Wise Account for...
How the Company Makes Money
Wise primarily makes money by charging fees on international and cross-currency money movement and related payment services. Its key revenue stream is transaction-based fees paid by customers when they convert currencies and send money internation...
Wise PLC Class A Earnings Call Summary
Earnings Call Date:Nov 06, 2025
(Q2-2026)
| % Change Since: |
Next Earnings Date:Jun 30, 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 | TTM | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.91B | 1.81B | 1.41B | 986.30M | 563.80M | 421.00M |
| Gross Profit | 680.20M | 1.31B | 1.10B | 638.20M | 369.10M | 260.50M |
| EBITDA | 551.00M | 598.60M | 520.00M | 179.70M | 71.20M | 70.40M |
| Net Income | 386.60M | 416.70M | 354.60M | 114.00M | 32.90M | 30.90M |
Balance Sheet | ||||||
| Total Assets | 22.11B | 19.25B | 15.14B | 11.90B | 7.56B | 4.30B |
| Cash, Cash Equivalents and Short-Term Investments | 1.58B | 12.83B | 9.22B | 7.65B | 2.32B | 1.62B |
| Total Debt | 301.30M | 185.60M | 224.20M | 264.40M | 95.70M | 98.70M |
| Total Liabilities | 20.68B | 17.86B | 14.16B | 11.33B | 7.16B | 4.02B |
| Stockholders Equity | 1.43B | 1.39B | 979.90M | 576.90M | 409.20M | 285.30M |
Cash Flow | ||||||
| Free Cash Flow | 598.40M | 4.46B | 3.24B | 3.91B | 3.13B | 2.05B |
| Operating Cash Flow | 632.90M | 4.49B | 3.25B | 3.92B | 3.14B | 2.07B |
| Investing Cash Flow | -714.20M | -598.40M | -142.60M | -2.59B | -490.40M | -671.80M |
| Financing Cash Flow | 4.67B | -181.30M | -125.60M | 153.90M | -1.30M | 24.80M |
Wise PLC Class A Technical Analysis
Positive
1035.00
Price Trends
894.43
Positive
889.01
Positive
962.05
Positive
Market Momentum
27.05
Negative
79.11
Negative
85.01
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:WISE, the sentiment is Positive. The current price of 1035 is above the 20-day moving average (MA) of 914.35, above the 50-day MA of 894.43, and above the 200-day MA of 962.05, indicating a bullish trend. The MACD of 27.05 indicates Negative momentum. The RSI at 79.11 is Negative, neither overbought nor oversold. The STOCH value of 85.01 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 | £11.80B | 14.20 | 27.43% | ― | 8.87% | -10.29% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
50 Neutral | £14.37M | -4.40 | -67.57% | ― | -12.11% | -106.04% | |
39 Underperform | £5.81M | -17.66 | -29.54% | ― | -44.27% | -350.00% |
* Technology Sector Average
GB:WISE
Wise PLC Class A
1,035.00
64.00
6.59%
GB:TIA
IDE Group Holdings Plc
36.00
-34.00
-48.57%
GB:GST
GSTechnologies
0.22
-1.13
-83.41%
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.