Wise PLC Class A (Z4Z) Stock Price & Analysis
Z4Z Stock Chart & Stats
- Day’s Range
- EUR 9.72 - EUR 9.77
- 52-Week Range
- EUR 8.88 - EUR 13.20
- Previous Close
- EUR 9.85
- Volume
- 1,728
- Average Volume (3M)
- 176
- Market Cap
- EUR 11.27B
- Enterprise Value
- EUR 9.49B
- Total Cash (Recent Filing)
- EUR 24.50B
- Total Debt (Recent Filing)
- EUR 365.89M
- Price to Earnings (P/E)
- 21.8
- Beta
- 0.33
- Next Earnings
- Jun 29, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Customer And Transaction Growth
Broad growth across customers, transaction volumes and business usage indicates sustained adoption of Wise’s cross-border platform. Greater scale can reinforce network utility, spread fixed operating costs across more transactions, and support durable revenue expansion over the next several quarters.
Platform Competitive Position
Wise Platform extends the company beyond direct consumer transfers by embedding its payment and FX infrastructure into partner products. High win rates, no reported churn and expanding volume suggest a differentiated integration capability that can create recurring, usage-linked growth.
Strong Cash Generation And Conservative Leverage
Strong cash conversion combined with conservative leverage gives Wise financial flexibility to fund technology, compliance, pricing investment and expansion without relying heavily on external financing. This supports resilience and preserves management’s ability to allocate capital through the cycle.
Bears Say
Structural Take-rate Compression
Lower pricing can help attract volume and strengthen Wise’s customer proposition, but it directly pressures revenue yield per transaction. Continued reductions require efficiency gains and sufficient scale to protect profitability, making monetization discipline an important medium-term risk.
Margin Pressure Despite Revenue Growth
Margin compression means additional revenue is currently converting into earnings less effectively than at the 2024–2025 peak. If pricing investment and cost growth persist, weaker operating leverage could limit earnings growth and reduce the financial benefit of Wise’s otherwise strong top-line momentum.
Unresolved U.S. Regulatory Approval
The unresolved U.S. regulatory process creates uncertainty around Wise’s ability to obtain the intended charter and deepen its position in that market. Ongoing compliance investment and an open timeline may absorb management attention and resources while limiting strategic flexibility.
Wise PLC Class A News
Z4Z FAQ
What was Wise PLC Class A’s price range in the past 12 months?
What is Wise PLC Class A’s market cap?
When is Wise PLC Class A’s upcoming earnings report date?
How were Wise PLC Class A’s earnings last quarter?
Is Wise PLC Class A overvalued?
Does Wise PLC Class A pay dividends?
What is Wise PLC Class A’s EPS estimate?
How many shares outstanding does Wise PLC Class A have?
What happened to Wise PLC Class A’s price movement after its last earnings report?
Which hedge fund is a major shareholder of Wise PLC Class A?
What is the TipRanks Smart Score and how is it calculated?
Company Description
Wise PLC Class A
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 individual clients.
- Sector
- Technology
- Industry
- Information Technology Services
- CEO
- Kristo Kaarmann
- Employees
- 8,000
- Website
- www.wise.com
- Address
- Worship Square, London, EC2A 4JE, GB
Wise PLC Class A (Z4Z) Earnings & Revenues
Z4Z Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall, with broad-based growth in customers, volumes, revenue, card activity, customer assets, platform adoption, and regional expansion. Management raised full-year revenue-growth expectations to the upper half of the 15% to 20% range and highlighted continued investment and operational progress. The main negatives were take-rate and gross-yield compression, one-off costs affecting reported margin, slower U.S. high-value transaction growth, and unresolved regulatory timing, but these issues were outweighed by the reported growth and outlook.
View all DE:Z4Z earnings summariesZ4Z Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 3 | 5 | 14 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 0 | 0 | 12 |