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Home CompaniesWise plc

Wise plc

Technology Information Technology Services
PortfolioPortfolio WatchlistWatchlist
Company price
817.8 GBX -2.60 ( 0.32%)
Last update at 2026-10-27T16:35:00Z
VOLUME
996267
Market Cap
9669.46M
P/E
26.11

Momentum Score

…

Wise plc provides cross-border and domestic financial services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally. Its product portfolio includes international money transfer, wise account, international debit card, receive money, amount transfer, wise platform, business debit card, and mass payment services. The company was formerly known as 456 Newco plc and changed its name to Wise plc in June 2021. Wise plc was founded in 2010 and is based in London, the United Kingdom.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
815.20
Low
827.60
High
52 Week Price Range
793.00
Low
1225.00
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Wise plc runs a digital cross-border payments platform and multi‑currency accounts for consumers and businesses, offering transparent fees and near–mid‑market exchange rates. Long-term growth may be driven by rising cross‑border flows, expansion of card and business services, and scaling into new markets; its technology-led, low-cost model and brand recognition could appeal to investors seeking exposure to fintech-based payment volumes.
Major risks are intense competition from banks and fintechs, regulatory and licensing changes across jurisdictions, margin pressure from FX spreads and pricing, and execution risk when scaling products and geographies.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
820.40
Dividend Yield
-
Revenue TTM
1719.30M
Revenue Per Share
1.67
Gross Profit TTM
1370.40M
Debt / Equity
0.13
ROE
29.67%
Net Debt
-7989.69M
ROCE
35.77%
Diluted EPS TTM
0.37

Insight Announcement

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Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Income before tax 564.80M 481.40M 146.50M 43.90M 41.10M
Net income 416.70M 354.60M 114.00M 32.90M 30.90M
Selling general administrative 272.20M 222.40M 101.00M 65.20M 73.70M
Selling and marketing expenses 53.80M 36.50M 37.40M 28.20M -
Gross profit 1307.80M 1092.40M 638.20M 371.90M 260.50M
Reconciled depreciation 18.30M 18.30M 23.20M 22.90M 21.70M
Ebit 580.20M 501.90M 156.50M 55.40M 48.70M
Ebitda 598.60M 512.20M 179.70M 78.30M 70.40M
Depreciation and amortization 18.40M 18.30M 23.20M 22.90M 21.70M
Operating income 579.60M 501.90M 157.20M 48.70M 44.90M
Other operating expenses 1226.60M 1081.20M 831.90M 508.40M 374.20M
Interest expense 15.40M 20.30M 10.00M 11.50M 7.60M
Tax provision 148.10M 126.80M 32.50M 11.00M 10.20M
Interest income 34.00M 19.70M 2.80M 3.90M 1.90M
Net interest income 18.50M -0.80M -7.90M -7.60M -5.70M
Income tax expense 148.10M 126.80M 32.50M 11.00M 10.20M
Total revenue 1806.20M 1537.20M 986.30M 559.90M 421.00M
Total operating expenses 728.20M 1035.30M 483.80M 320.40M 213.70M
Cost of revenue 498.40M 444.80M 348.10M 188.00M 160.50M
Total other income expense net -14.80M -12.50M -29.40M -26.10M -18.50M
Net income from continuing ops 416.70M 354.60M 114.00M 32.90M 30.90M
Net income applicable to common shares - - 114.00M 32.90M 30.90M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Total assets 19246.20M 15137.40M 11904.20M 7564.40M 4301.80M
Intangible assets 4.00M 6.50M 11.40M 20.30M 27.50M
Other current assets 5876.81M 5351.20M 11069.50M 7035.80M 3892.40M
Total liab 17860.00M 14157.50M 11327.30M 7155.20M 4016.50M
Total stockholder equity 1386.20M 979.90M 576.90M 409.20M 285.30M
Other current liab 17581.30M 13841.90M 11277.80M 7036.20M 3893.60M
Common stock 10.20M 10.20M 10.20M 10.20M 9.40M
Capital stock 10.20M 10.20M 10.20M 10.20M 0.00M
Retained earnings 1159.70M 742.90M 357.80M 224.50M 162.60M
Other liab - - 33.50M 18.40M 24.60M
Other assets - 15137.40M 131.10M 127.90M 71.80M
Cash 8175.29M 5188.70M 3846.50M 1126.10M 3358.60M
Total current liabilities 17624.30M 13889.50M 11286.00M 7046.60M 3896.70M
Current deferred revenue - 13788.30M -256.60M -5.50M -3.50M
Net debt -7989.69M -4964.50M -3582.10M -1030.40M -3259.90M
Short term debt 11.60M 11.00M 256.60M 5.50M 3.50M
Short long term debt 1.30M 202.70M 249.90M - 0.00M
Short long term debt total 185.60M 224.20M 264.40M 95.70M 98.70M
Other stockholder equity -68.90M -55.50M 208.90M 174.50M 113.30M
Property plant equipment - - 21.10M 22.60M 24.00M
Total current assets 19002.80M 14961.50M 11740.60M 7393.60M 4178.50M
Net tangible assets - - 565.50M 388.90M 257.80M
Short term investments 4654.90M 4033.90M 3804.50M 1192.40M 737.50M
Net receivables 295.80M 387.70M 86.80M 33.50M 50.40M
Long term debt 98.10M 198.40M 0.00M 78.50M 78.60M
Inventory - -145.00M - - -
Accounts payable 16.80M 7.90M 8.20M 10.40M 3.10M
Accumulated other comprehensive income 285.20M 282.30M - - -
Non currrent assets other 38.80M 32.10M -32.50M -42.90M -51.50M
Non current assets total 243.40M 175.90M 163.60M 170.80M 123.30M
Capital lease obligations 86.20M 21.50M 14.50M 17.20M 20.10M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Investments -598.40M -142.60M -2587.30M -478.60M -648.60M
Change to liabilities - - 23.80M 16.80M 30.00M
Total cashflows from investing activities -598.40M -142.60M -2587.30M -490.40M -671.80M
Net borrowings -100.00M -50.00M 164.10M -3.80M 23.90M
Total cash from financing activities -181.30M -125.60M 153.90M -1.30M 24.80M
Change to operating activities - - 3813.70M 3013.40M 1919.00M
Net income 416.70M 354.60M 114.00M 32.90M 30.90M
Change in cash 3503.60M 2799.80M 1623.10M 2697.70M 1281.00M
Begin period cash flow 10479.20M 7679.40M 6056.30M 3358.60M 2077.60M
End period cash flow 13982.80M 10479.20M 7679.40M 6056.30M 3358.60M
Total cash from operating activities 4494.40M 3248.90M 3919.90M 3138.00M 2073.90M
Issuance of capital stock 1.00M 1.00M 0.60M 3.40M 0.90M
Depreciation 18.30M 18.30M 23.20M 22.90M 21.70M
Other cashflows from investing activities -0.90M -2.30M 0.20M 0.10M 0.10M
Dividends paid - - 368.50M - -
Change to account receivables 56.80M -72.70M -29.10M -34.00M 3.20M
Sale purchase of stock -72.60M -68.40M -10.10M - -
Other cashflows from financing activities -9.70M -8.20M 890.90M 38.30M 113.90M
Change to netincome - - -25.70M 86.00M 69.10M
Capital expenditures 35.40M 13.00M 8.80M 11.90M 23.20M
Change in working capital 4096.40M 2883.40M 3808.40M 2996.20M 1952.20M
Stock based compensation 58.40M 72.50M 58.20M 42.20M 38.50M
Other non cash items -95.40M -79.90M -127.70M 10.60M 5.70M
Free cash flow 4459.00M 3235.90M 3911.10M 3126.10M 2050.70M

Peer Comparison*

Sector: Technology Industry: Information Technology Services

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
WISE
Wise plc		 -2.60
0.32%		 817.80 26.11 24.04 5.62 6.52 7.48 -37.47
CCC
Computacenter PLC		 60.00
1.16%		 5250.00 21.00 16.13 0.35 3.60 0.30 8.21
RWS
RWS Holdings PLC		 3.80
2.66%		 146.80 - 14.22 0.41 0.38 0.49 3.13
RCN
Redcentric		 2.30
2.69%		 87.80 57.75 23.75 1.39 3.42 1.72 8.06
FDM
FDM Group Holdings PLC		 0.20
0.19%		 106.20 19.72 24.51 0.61 2.12 0.54 6.72

Profile*

Wise plc

Wise plc provides cross-border and domestic financial services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally. Its product portfolio includes international money transfer, wise account, international debit card, receive money, amount transfer, wise platform, business debit card, and mass payment services. The company was formerly known as 456 Newco plc and changed its name to Wise plc in June 2021. Wise plc was founded in 2010 and is based in London, the United Kingdom.

Worship Square, London, United Kingdom, EC2A 4JE

44 20 7964 0500

https://wise.com

6500

Name Title Year Born
Jessica Winter Gen. Counsel NA
Mr. Kristo Kaarmann Co-Founder, CEO & Director 1981
Mr. Matthew John Briers CFO & Director 1978
Ms. Rahel Tanavsuu Global Head of Operations NA
Mr. Harsh Sinha Chief Technology Officer NA
Martin Adams Head of Investor Relations NA
Mr. Ben Steyn Chief Compliance Officer NA
Sana Rahman Head of PR NA
Mr. Cian Weeresinghe Chief Marketing Officer NA
Isabel Naidoo Chief People Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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