Update shared on 04 Nov 2025
Analysts have raised Wise's price target to £13.90 per share, citing expectations for robust platform-driven income and earnings growth in the years ahead.
Analyst Commentary
Recent analyst commentary has highlighted both positive and cautious perspectives regarding Wise's valuation and business outlook.
Bullish Takeaways- Bullish analysts expect the Wise Platform to continue posting strong underlying income growth, with projections around 23% for the coming years.
- They forecast that this revenue expansion will translate into a robust 15% growth in underlying earnings by fiscal 2028, supporting a higher fair value.
- Confidence in Wise's execution on scaling its platform-driven model underpins expectations for accelerating operational leverage and profitability gains.
- These trends have prompted analysts to raise their price target, reflecting the company’s improving structural growth profile.
- Bearish analysts remain cautious about Wise's ability to consistently deliver growth forecasts, particularly amid evolving competitive dynamics in the cross-border payments sector.
- There is some concern that achieving the projected earnings growth may require sustained investments, which could impact margin improvement in the near term.
- Uncertainties around global interest rates and regulatory environments may pose risks to Wise’s growth trajectory and valuation multiples.
What's in the News
- Wise has announced a major expansion of its North American office hub in Austin, increasing its workspace by 200% to 90,000 square feet and occupying three floors in Domain Tower II, a prominent tech center in North Austin (Key Developments).
- The expansion demonstrates Wise's strategic commitment to growth in North America and strengthens its standing as a leading technology employer in Austin (Key Developments).
- With over 700 employees in the US, Wise continues to actively hire across engineering, product, marketing, and customer support teams (Key Developments).
Valuation Changes
- The discount rate has decreased modestly from 7.51% to 7.29%.
- Revenue growth has remained virtually unchanged, moving slightly from 13.68% to 13.68%.
- Net profit margin has edged up from 16.67% to 16.78%.
- Future P/E has dipped slightly from 37.37x to 36.90x.
- Consensus fair value remains steady at £12.06 per share.
Disclaimer
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