Want to see GB:WISE full AI Analyst Report?
Top Page
Wise PLC Class A
(LSE:WISE)
Select Model
Select Model
Rating:82Outperform
Price Target:
1,256.00 p
▲(30.62% 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
Customer and Volume Growth
Strong customer and transaction growth expands Wise’s network, increases recurring usage of its payment infrastructure, and supports operating leverage. A larger user base can reinforce scale advantages and improve the platform’s long-term competitive position.
Negative Factors
Margin Compression
Falling margins and lower net income despite revenue growth indicate pressure on profitability. If sustained, this could limit operating leverage, reduce the cash available for reinvestment, and make future earnings more dependent on continued volume expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Customer and Volume Growth
Strong customer and transaction growth expands Wise’s network, increases recurring usage of its payment infrastructure, and supports operating leverage. A larger user base can reinforce scale advantages and improve the platform’s long-term competitive position.
Read all positive factors
Wise PLC Class A (WISE) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£11.53B
Dividend YieldN/A
Average Volume (3M)1.74M
Price to Earnings (P/E)26.2
Beta (1Y)0.51
Revenue Growth8.87%
EPS Growth-10.29%
CountryUK
Employees8,000
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)0.37
Shares Outstanding1,019,400,900
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
£1,159.46Price Target Upside20.58% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
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 charged for moving and converting money internationally and between currencies on its platform. Its core revenue stream is transaction-based: customers pay an upfront, transparent fee when they convert currency...
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
78
Positive
Balance Sheet
74
Positive
Cash Flow
83
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
Positive
961.60
Price Trends
914.67
Positive
939.91
Positive
913.34
Positive
Market Momentum
10.94
Negative
58.73
Neutral
67.63
Neutral
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 961.6 is above the 20-day moving average (MA) of 925.91, above the 50-day MA of 914.67, and above the 200-day MA of 913.34, indicating a bullish trend. The MACD of 10.94 indicates Negative momentum. The RSI at 58.73 is Neutral, neither overbought nor oversold. The STOCH value of 67.63 is Neutral, 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 | £11.53B | 26.22 | 27.43% | ― | 8.87% | -10.29% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
49 Neutral | £18.56M | -8.58 | -18.74% | ― | -13.26% | 78.47% | |
35 Underperform | £10.23M | -5.25 | -26.09% | ― | -44.27% | -350.00% |
* Technology Sector Average
GB:WISE
Wise PLC Class A
970.00
-87.00
-8.23%
GB:TIA
IDE Group Holdings Plc
46.50
-16.00
-25.60%
GB:GST
GSTechnologies
0.43
-0.36
-45.51%
Wise PLC Class A Corporate Events
Business Operations and StrategyStock BuybackFinancial Disclosures
Wise launches £405m share buyback as it expands global payments network
Positive
Jul 28, 2026
Wise Group plc has continued to scale its cross-border payments franchise, serving around 19 million customers in fiscal 2026 and processing more than $240 billion in international transactions, which it says generated over $3 billion in savings f...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Wise Group launches £405m share buyback spanning U.S. and U.K. markets
Positive
Jul 21, 2026
Wise Group plc has begun a substantial share buyback programme that will see up to £405 million of its Class A shares repurchased across Nasdaq, the London Stock Exchange and other venues by March 31, 2027. The move is designed both to reduce...
Executive/Board ChangesRegulatory Filings and Compliance
Wise Group Executives Vest and Sell Shares to Cover Tax Obligations
Neutral
Jul 17, 2026
Wise Group plc has disclosed a series of transactions involving its class A ordinary shares by senior executives under its equity incentive plans. Chief Technology Officer Harsh Sinha, Chief Legal Officer Jessica Winter and Chief Marketing Officer...
Business Operations and StrategyFinancial Disclosures
Wise Group’s Q1 FY27 Results Highlight Rapid Growth and Lower Fees in Global Money Transfers
Positive
Jul 17, 2026
Wise Group plc reported strong first-quarter fiscal 2027 performance, underscoring continued momentum in its cross-border payments business and everyday money services. Active customers rose 21% year on year to 11.9 million, while cross-border vol...
Business Operations and StrategyRegulatory Filings and Compliance
Wise Group updates market on voting rights and CEO control cap
Neutral
Jul 3, 2026
Wise Group plc has detailed its current share capital and voting rights structure, confirming it has more than 1.02 billion Class A shares and over 204 million Class B shares in issue, with no shares held in treasury. The total voting rights acros...
Business Operations and StrategyFinancial Disclosures
Wise schedules FY2026 results and Q1 FY2027 update
Positive
Jun 15, 2026
Wise Group PLC, the London-listed global fintech that specialises in low-cost cross-border payments and multi-currency accounts, has built a sizeable international footprint serving individuals, businesses and financial institutions. Its technolog...
Regulatory Filings and Compliance
Wise Group Updates Share Capital and Caps CEO Voting Control
Neutral
Jun 2, 2026
Wise Group plc has confirmed that its issued share capital comprises 1,025,164,562 Class A ordinary shares, each carrying one vote, and 204,338,749 Class B ordinary shares, with no shares held in treasury. The total voting rights attributable to C...
Business Operations and StrategyLegal ProceedingsRegulatory Filings and Compliance
Wise stresses anti-financial crime efforts amid Brussels enquiries
Negative
Jun 1, 2026
Wise Group PLC has responded to recent media coverage by stressing its commitment to combating financial crime, noting it operates under more than 80 regulatory licences worldwide and processes millions of transactions daily for about 19 million a...
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.