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Wise PLC Class A
(NASDAQ:WSE)
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Rating:71Outperform
Price Target:
$14.00
▼(-0.85% Downside)
Action:N/A
Date:07/15/26
The score is driven primarily by strong financial performance, especially robust free cash flow generation and solid profitability despite recent margin compression. Technicals are supportive with price above key moving averages and positive MACD, though near-overbought stochastic readings add caution. Valuation is the main drag given the ~25.6 P/E and lack of dividend yield data.
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 (WSE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$15.14B
Dividend YieldN/A
Average Volume (3M)48.57K
Price to Earnings (P/E)25.0
Beta (1Y)0.74
Revenue Growth12.24%
EPS Growth-7.61%
CountryUS
Employees6,500
SectorTechnology
Sector Strength88
IndustrySpecialty Business Services
Share Statistics
EPS (TTM)0.37
Shares Outstanding1,025,164,600
10 Day Avg. Volume69,625
30 Day Avg. Volume48,571
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$15.67Price Target Upside11.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)0.59
Revenue Forecast (FY)$2.90B
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 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 Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $15.14B | 25.02 | 27.43% | ― | 12.24% | -7.61% | |
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 | £10.23M | -6.02 | -29.54% | ― | -44.27% | -350.00% |
* Technology Sector Average
WSE
Wise PLC Class A
12.35
-1.51
-10.87%
GB:TIA
IDE Group Holdings Plc
51.50
-12.50
-19.53%
GB:GST
GSTechnologies
0.45
-0.63
-58.33%
Wise PLC Class A Corporate Events
Wise Group shifts primary listing to Nasdaq after strong FY26 growth
Jun 26, 2026
Wise Group plc reported strong operational and financial performance for the financial year ended 31 March 2026, highlighting rapid growth in cross-border volumes, customer numbers and balances held on its platform. The company expanded its global...
Wise Group posts strong FY2026 results and launches new $500m share buyback plan
Jun 25, 2026
Wise Group plc, the London-headquartered fintech listed on Nasdaq and the LSE, reported its financial results for the year ended 31 March 2026 on 25 June, highlighting rapid growth in cross-border volumes and broader account usage. The company als...
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.