Subscribe

Wise plc (WISE.L)

GBp960.20 +14.40 (+1.52%)
GB LSE Technology Information Technology Services
Address Tea Building E1 6JJ
London, GB
CEO Kristo Kaarmann
Website wise.com
IPO 2021-07-07
ISIN JE00BQKY0816

Explore sections of this company profile

Also trades on London Stock Exchange · WISE.L (GBp) NASDAQ Global Select · WSE (USD) Other OTC · WIZEY (USD) Other OTC · WPLCF (USD) Stuttgart Stock Exchange · 6WS.SG (EUR)
Description

Wise plc, a London-based financial technology company established in 2010, specializes in facilitating seamless international money transfers for both individual consumers and corporate entities. Its global reach extends across the United Kingdom, Europe, the Asia-Pacific region, North America, and various other international markets. The company's service portfolio is built upon a comprehensive transfer infrastructure, featuring the 'Wise Account' for individuals managing cross-border finances, 'Wise Business' specifically tailored for the requirements of international enterprises, and the 'Wise Platform,' which enables other businesses and banks to provide international payment solutions directly to their clientele. In addition to these core transfer services, Wise plc also offers online currency exchange and engages in investment activities. The organization, originally known as 456 Newco plc, officially rebranded to Wise plc in June 2021.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
GBp960.20 +14.40 (+1.52%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
2M
Beta
0.52
Float Shares
706.69M
Free Float %
70.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.74% +0.00% -11.17% +8.54% +5.78% +4.83% -14.39% +60.92% +6.14% +6.14% +6.14%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
960.20
DCF (Unlevered) 2,885.74 +200.5%
DCF (Levered) 20,192.97 +2,003.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 70% Bullish
Rating 2026-05 Change
Strong Buy 4 0
Buy 10 0
Hold 3 0
Sell 2 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.78
Distress
Piotroski F-Score
7 / 9
Strong
MOAT Score
6 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Information Technology Services: +10.1%
    +13.4% ★ Q1'26: +43.9% (vs Q1'24)
  • ✗
    EPS growth Information Technology Services: +16.7%
    -7.5% Q1'26: -5.0% (vs Q1'24)
  • ✓
    FCF margin FCF growth · Information Technology Services: +32.8%
    +270.6% Q1'26: +488.3% (vs Q1'24)
  • ✓
    EBIT margin Information Technology Services: +9.0%
    +25.1% ★ Q1'26: +26.0% (vs Q1'24)
  • ✓
    ROIC Information Technology Services: +9.5%
    — Q1'26: -3.9% (vs Q1'24)
  • ✓
    Share dilution Information Technology Services: +0.0%
    -25.7% ★ Q1'26: -27.8% (vs Q1'24)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Information Technology Services: -0.83×
    0.70× ★ Q1'26: 0.32× (vs Q1'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.54) × ERP
WACC = 98% × Ke + 2% × Kd (8.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 2,885.74 Current price: 960.20
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2022
actual 		Mar 2023
actual 		Mar 2024
actual 		Mar 2025
actual 		Mar 2026
10 Rev. Ana.
14 EPS Ana. 		Mar 2027
8 Rev. Ana.
13 EPS Ana. 		Mar 2028
8 Rev. Ana.
13 EPS Ana. 		Mar 2029
2 Rev. Ana.
2 EPS Ana. 		Mar 2030
1 Rev. Ana.
1 EPS Ana. 		Mar 2031
1 Rev. Ana.
1 EPS Ana.
Revenue
563.80M
est: 555.80M (+1.4%)
986.30M
est: 948.35M (+4.0%)
1.41B
est: 1.05B (+34.2%)
1.81B
est: 1.40B (+29.3%)
1.90B
1.90B – 1.93B
+36.1% YoY
2.18B
2.14B – 2.23B
+14.7% YoY
2.57B
2.51B – 2.67B
+17.7% YoY
3.14B
3.02B – 3.25B
+22.1% YoY
3.40B
3.32B – 3.50B
+8.3% YoY
3.73B
3.65B – 3.84B
+9.7% YoY
EBITDA
71.20M
est: 130.65M (-45.5%)
179.70M
est: 222.92M (-19.4%)
520.00M
est: 247.29M (+110.3%)
598.60M
est: 597.79M (+0.1%)
813.74M
813.03M – 823.68M
+36.1% YoY
933.71M
916.65M – 953.99M
+14.7% YoY
1.10B
1.07B – 1.14B
+17.7% YoY
1.34B
1.29B – 1.39B
+22.1% YoY
1.45B
1.42B – 1.50B
+8.3% YoY
1.59B
1.56B – 1.64B
+9.7% YoY
EBIT
48.30M
est: 115.22M (-58.1%)
156.50M
est: 196.59M (-20.4%)
501.70M
est: 218.08M (+130.1%)
580.20M
est: 627.45M (-7.5%)
854.10M
853.36M – 864.54M
+36.1% YoY
980.02M
962.12M – 1.00B
+14.7% YoY
1.15B
1.13B – 1.20B
+17.7% YoY
1.41B
1.36B – 1.46B
+22.1% YoY
1.53B
1.49B – 1.57B
+8.3% YoY
1.67B
1.64B – 1.73B
+9.7% YoY
Net Income
32.90M
est: 62.87M (-47.7%)
114.00M
est: 130.30M (-12.5%)
354.60M
est: 354.60M (+0.0%)
416.70M
est: 320.12M (+30.2%)
306.89M
281.54M – 332.24M
-4.1% YoY
334.92M
324.44M – 345.39M
+9.1% YoY
440.91M
368.72M – 477.14M
+31.6% YoY
445.64M
361.80M – 529.48M
+1.1% YoY
557.44M
541.85M – 580.25M
+25.1% YoY
613.87M
596.70M – 639.00M
+10.1% YoY
SGA
118.40M
est: 100.78M (+17.5%)
181.10M
est: 171.96M (+5.3%)
222.40M
est: 190.76M (+16.6%)
326.00M
est: 204.43M (+59.5%)
278.27M
278.03M – 281.67M
+36.1% YoY
319.30M
313.47M – 326.24M
+14.7% YoY
375.90M
366.78M – 390.82M
+17.7% YoY
459.01M
442.18M – 475.84M
+22.1% YoY
497.16M
486.46M – 512.81M
+8.3% YoY
545.16M
533.43M – 562.32M
+9.7% YoY
EPS
0.03
est: 0.06 (-43.3%)
0.11
est: 0.12 (-11.5%)
0.34
est: 0.33 (+2.4%)
0.40
est: 0.41 (-2.4%)
0.37
0.36 – 0.43
-9.3% YoY
0.43
0.42 – 0.44
+15.2% YoY
0.49
0.47 – 0.61
+13.6% YoY
0.57
0.46 – 0.68
+17.5% YoY
0.72
0.70 – 0.74
+25.1% YoY
0.79
0.77 – 0.82
+10.1% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 5/5 5/5 3/5 3/5 2/5 1/5
2026-05-28 B+ 3/5 5/5 5/5 3/5 3/5 2/5 1/5
2026-05-27 B+ 3/5 5/5 5/5 3/5 3/5 2/5 1/5
2026-05-26 B+ 3/5 5/5 5/5 3/5 3/5 2/5 1/5
2026-05-22 B+ 3/5 5/5 5/5 3/5 3/5 2/5 1/5
2026-05-21 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-05-20 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-05-19 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-05-18 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-05-15 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-05-14 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-05-13 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-05-12 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-05-11 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-05-08 B+ 3/5 5/5 5/5 3/5 2/5 3/5 1/5
2026-05-07 B+ 3/5 5/5 5/5 3/5 2/5 3/5 1/5
2026-05-06 B+ 3/5 5/5 5/5 3/5 2/5 3/5 1/5
2026-05-05 B+ 3/5 5/5 5/5 3/5 2/5 3/5 1/5
2026-05-01 B+ 3/5 5/5 5/5 3/5 2/5 3/5 1/5
2026-04-30 B+ 3/5 5/5 5/5 3/5 2/5 3/5 1/5
2026-04-29 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-04-28 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-04-27 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-04-24 B+ 3/5 5/5 5/5 3/5 2/5 2/5 2/5
2026-04-23 B+ 3/5 5/5 5/5 3/5 2/5 2/5 2/5
2026-04-22 B+ 3/5 5/5 5/5 3/5 2/5 2/5 2/5
2026-04-21 B+ 3/5 5/5 5/5 3/5 2/5 2/5 2/5
2026-04-20 B+ 3/5 5/5 5/5 3/5 2/5 2/5 2/5
2026-04-17 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-04-16 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
4.15B
OE per share TTM
3.92
Owner's Yield
43.28%
Maintenance CapEx ratio
0.65%
Maint CapEx / Avg PPE
4.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 231 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Amplify Digital Payments ETF IPAY 4.25% 6.54M 0.75%
2 OneAscent International Equity ETF OAIM 2.48% 9.15M 0.95%
3 Global X - FinTech ETF FINX 2.39% 4.11M 0.68%
4 Baron Financials ETF BCFN 1.78% 817.2K 0.80%
5 Fidelity Disruptive Finance ETF FDFF 1.25% 516.0K 0.50%
6 NYLI International Small-Mid Cap Equity ETF NISM 0.59% 147.6K 0.70%
7 iShares STOXX Europe Mid 200 UCITS ETF (DE) EXSD.DE 0.59% 3.92M 0.20%
8 Invesco STOXX Europe 600 Optimised Industrial Goods & Services UCITS ETF SC0S.DE 0.52% 135.4K 0.20%
9 iShares MSCI Europe Mid-Cap Equal Weight UCITS ETF IEFS.L 0.48% 183.1K 0.25%
10 iShares STOXX Europe 600 Industrial Goods & Services UCITS ETF (DE) EXH4.DE 0.46% 3.03M 0.46%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
85.7K
Shares Outstanding
1.00B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Emmanuel Thomassin Chief Financial Officer & Director 284.0K male
Kristo Kaarmann Co-Founder, Chief Executive Officer & Director 208.1K male
Isabel Naidoo Chief People Officer — female
Jessica Winter General Counsel — female
Martin Adams Head of Investor Relations — —
Rohan Basu Head of Global Operations — male
Sana Rahman Global Head of Communications — —
Cian Weeresinghe Chief Marketing Officer — male
SerJin Lee Interim Chief Compliance Officer — male
Harsh Sinha Chief Technology Officer — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend history

Earnings history

Earnings reports

Stock splits

Related companies

Largest companies in Information Technology Services