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Stock Wise plc WISE.L

Wise plc — Investlytic score 3/5 on the five criteria.

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60/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 3/5 criteria met.

  • ❌ Price trend failed
  • ✅ Growth passed
  • ✅ Debt passed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): insufficient progression (less than x1.5).

Price change 2021 → 2022: -25.61%

Price change 2022 → 2023: 55.29%

Price change 2023 → 2024: 21.97%

Price change 2024 → 2025: -16.42%

Price change 2025 → 2026: -3.28%

Price change 2026 (year to date): -1.11%

Financial growth

Revenue CAGR (8 years): 41.77%

Earnings CAGR (8 years): 67.26%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 0.25

Debt/equity < 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 23.81

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 20.97% from the high over 6 months.

Excessive correction (> 20.0%).

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Criteria of the Investlytic model

- / 5
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Score out of 100, model verdict (buy, watch, sell) and details of the 5 criteria · visible with a free account.

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
Wise plc22.40.13+71.0 %🔒
DigitalOcean Holdings, Inc.54.0–+23.7 %–
Figma, Inc.60.10.08+44.6 %–
Arrow Electronics, Inc.14.40.47+3.4 %★ 4/5
Nova Ltd.34.20.65+16.7 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by Wise plc over the latest fiscal years.

Revenue
2.7 bn USD
fiscal year 2026
Net income
504 m USD
fiscal year 2026
Net margin
18.4 %
fiscal year 2026
Average annual growth
+29.4 %
Revenue growth over 5 years
Average annual growth
+40.9 %
Revenue growth over 10 years
Market cap
10.8 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
2021753 m43.9 m5.8 %n/a
20221.3 bn152 m11.6 %+74.9 %
20231.9 bn474 m25.1 %+43.2 %
20242.4 bn556 m23.1 %+27.9 %
20252.4 bn556 m23.1 %0.0 %
20262.7 bn504 m18.4 %+13.4 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by Wise plc over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
average accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
1.63
risk zone (below 1.81)
Piotroski Score
6 / 9
4 to 6: average accounts
Net Debt / EBITDA
-39.35 x
net cash
Fiscal year20222023202420252026
Cash and investments2.3 bn7.7 bn9.2 bn12.8 bn24.5 bn
Total Debt95.7 m264 m224 m186 m366 m
Net Debt-1.0 bn-3.6 bn-5.0 bn-8.0 bn-20.7 bn
Equity409 m577 m980 m1.4 bn1.5 bn
Total assets7.6 bn11.9 bn15.1 bn19.2 bn25.2 bn
Operating cash flow3.1 bn3.9 bn3.2 bn4.5 bn5.7 bn
Investments (capex)11.9 m8.8 m10.6 m34.5 m16.2 m
Free cash-flow3.1 bn3.9 bn3.2 bn4.5 bn5.7 bn
Share buybacks010.1 m68.4 m72.6 m358 m
Dividends paid00000

Amounts in GBP, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)22.66 x
Price / book value5.87 x
Return on Equity (ROE)26.1 %
Return on Invested Capital (ROIC)1.4 %
Net margin18.4 %
Debt / equity0.25 x
Current ratio1,467.09 x
Interest coverage30.77 x
Free cash-flow yield70.4 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

Wise plc compared with its sector on the same exchange and with its main competitors.

Company P/E
23.3

Direct competitors

CompanyMarket cap (USD)P/ENet margin
Wise plc10.8 bn23.323.1 %
PayPal Holdings, Inc. PYPL49.2 bn11.215.8 %
Circle Internet Group CRCL17.3 bn46.5-2.5 %

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 06/11/2026. Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering Wise plc publish: ratings, price targets and earnings forecasts.

Majority rating
buy
2 analysts

Breakdown of ratings

strong buy 0buy 2hold 0sell 0strong sell 0

Price targets: published for companies listed in the United States only.

Analyst forecasts

Fiscal yearRevenueNet incomeExpected EPS (range)P/E on this EPSAnalysts
20261.9 bn294 m0.37 (0.33 / 0.43)21.714
20272.2 bn320 m0.42 (0.37 / 0.45)19.111
20282.6 bn441 m0.50 (0.40 / 0.57)16.212

Amounts in GBP, the reporting currency.

Track record against expectations: reported EPS above consensus 5 times over the last 9 releases.

Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.

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Dividends and earnings

Wise plc: dividend history, last distributions, stock splits and earnings releases.

No known dividend for this company.

Earnings releases

Next release: 12/11/2026. Expected EPS: 0.20.

Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in Wise plc.

Free float
74.9 %
share of freely traded shares

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 07/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
London Stock Exchange
IPO: 07/07/2021
ISIN code
GB00BL9YR756
Workforce
6,000
full-time employees
Chief executive
Kristo Kaarmann
Next earnings
12/11/2026

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about Wise plc

What is the Wise plc share price?

Latest recorded price: 8.39 GBP on 06/11/2026, for a market cap of 10.8 bn USD.

What is the revenue of Wise plc?

2.7 bn USD for fiscal year 2026, with net income of 504 m USD (net margin 18.4 %).

When does Wise plc report its next earnings?

The next release is expected on 12/11/2026. EPS expected by analysts: 0.20.

What do analysts say about Wise plc?

Out of 2 analysts: 2 buy or strong buy, 0 hold, 0 sell or strong sell.

What is the P/E ratio of Wise plc?

Trailing 12-month P/E of 23.3.

Is Wise plc stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN GB00BL9YR756).

How many employees does Wise plc have?

6,000 full-time employees according to the latest published profile.

Who runs Wise plc?

Kristo Kaarmann is the company's chief executive.

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