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Wise PLC Class A
(NASDAQ:WSE)
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Rating:69Neutral
Price Target:
$12.00
▼(-8.47% Downside)
Action:Downgraded
Date:10/17/26
The score is primarily supported by strong financial performance (revenue scale-up, low leverage, and robust free cash flow) and a constructive earnings outlook with raised growth guidance. These positives are tempered by weak technicals (price below key moving averages and negative MACD) and a valuation that looks reasonable but not clearly discounted based on the provided P/E and lack of dividend yield data.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Wise PLC Class A (WSE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$13.12B
Dividend YieldN/A
Average Volume (3M)2.17M
Price to Earnings (P/E)22.3
Beta (1Y)0.73
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees8,000
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)0.37
Shares Outstanding1,006,167,360
10 Day Avg. Volume2,884,667
30 Day Avg. Volume2,166,375
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 Cap0.72
Enterprise Value/Revenue4.63
Enterprise Value/Gross Profit8.05
Enterprise Value/Ebitda18.07
Forecast
1Y Price Target
$16.14Price Target Upside23.08% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)0.57
Revenue Forecast (FY)$2.98B
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 by charging fees for moving and converting money across currencies on its platform. Its core revenue stream is transaction-based: customers pay a fee when they initiate an international transfer or convert funds between ...
Wise PLC Class A Earnings Call Summary
Earnings Call Date:Oct 15, 2026
(Q2-2027)
| % Change Since: |
Next Earnings Date:Jun 29, 2027
Earnings Call Sentiment Positive
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.Positive Updates
Strong Customer and Transaction Growth
Active customers increased 20% year-on-year to 12.5 million. Cross-border volume grew 22% year-on-year to $72 billion, including 32% growth in Wise Business. Customer holdings increased 28% year-on-year to $44 billion, including $11.5 billion held through Wise Assets, while card spend rose 30% year-on-year to $14 billion.
Negative Updates
Slower U.S. High-Value Transaction Growth
Wise saw lower growth in higher-volume transactions from the U.S. because of slight depreciation or weakness in the U.S. dollar compared with Q1.
Read all updates
Q2-2027 Updates
Positive
Negative
Strong Customer and Transaction Growth
Active customers increased 20% year-on-year to 12.5 million. Cross-border volume grew 22% year-on-year to $72 billion, including 32% growth in Wise Business. Customer holdings increased 28% year-on-year to $44 billion, including $11.5 billion held through Wise Assets, while card spend rose 30% year-on-year to $14 billion.
Read all positive updates
Company Guidance
For this year, Wise now expects net revenue growth to be in the upper half of the 15% to 20% range on a constant currency basis, and continues to expect the full year '27 income before tax margin around at the top of the 2025 range; for the half year, net revenue growth has been around 22% on a constant currency basis and EBIT margin is expected to be around 23%, including one-off expense equivalent to around 2 percentage points, including circa $15 million relating to the dual listing of Wise. Wise aims to continue reducing pricing for the next 2 quarters, around 1 basis point, subject to investment capacities or efficiency gain, while platform volume was 6% at the end of this quarter and is on track for the midterm 10% of the correspondent volume; platform take rate is around 40 basis points.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 2025 | 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 | 598.26M | 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
Negative
13.11
Price Trends
12.05
Negative
12.00
Negative
12.33
Negative
Market Momentum
-0.23
Positive
37.57
Neutral
18.65
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WSE, the sentiment is Negative. The current price of 13.11 is above the 20-day moving average (MA) of 11.52, above the 50-day MA of 12.05, and above the 200-day MA of 12.33, indicating a bearish trend. The MACD of -0.23 indicates Positive momentum. The RSI at 37.57 is Neutral, neither overbought nor oversold. The STOCH value of 18.65 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WSE.
Wise PLC Class A Peers Comparison
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Sector (61)
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-18.30%
GB:TIA
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39.00
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Wise PLC Class A Corporate Events
Wise Group plc Delivers Double-Digit Growth in Q2 FY27 as Global Money Network Scales
Oct 15, 2026
Wise Group plc, the London- and Nasdaq-listed fintech building a low-cost global money movement network, reported strong operating momentum for the quarter ended Sept. 30, 2026, with active customers up 20% year on year to 12.5 million and cross-b...
Wise Group Plc Ramps Up £405m Share Buyback With Late-July Treasury Purchases
Aug 5, 2026
Wise Group plc has launched a substantial share buyback program as part of its capital management strategy, while continuing to leverage its global payments platform that serves millions of retail and business customers. The company’s activi...
Wise Group Faces U.S. Trust Bank Charter Denial but Plans GENIUS Act Reapplication
Jul 23, 2026
Wise Group plc, the London‑based cross‑border payments specialist, builds technology that lets individuals and businesses hold multi‑currency balances, send money internationally and spend abroad at lower cost. Its infrastructure...
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.