Wise plc

BATS-CHIXE:WISEL Stock Report

Market Cap: UK£9.9b

Wise Valuation

Is WISEL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of WISEL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: WISEL (£9.76) is trading above our estimate of future cash flow value (£7.58)

Significantly Below Future Cash Flow Value: WISEL is trading above our estimate of future cash flow value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for WISEL?

Key metric: As WISEL is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for WISEL. This is calculated by dividing WISEL's market cap by their current earnings.
What is WISEL's PE Ratio?
PE Ratio25.6x
EarningsUK£386.60m
Market CapUK£9.90b

Price to Earnings Ratio vs Peers

How does WISEL's PE Ratio compare to its peers?

The above table shows the PE ratio for WISEL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average48x
BOKU Boku
66.4x36.31%UK£656.0m
EWG W.A.G payment solutions
90.2x27.42%UK£848.8m
PAY PayPoint
19.5x48.44%UK£314.6m
FNX Fonix
15.8x5.55%UK£176.4m
WISEL Wise
25.6x5.75%UK£9.9b

Price-To-Earnings vs Peers: WISEL is good value based on its Price-To-Earnings Ratio (25.6x) compared to the peer average (47.9x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does WISEL's PE Ratio compare vs other companies in the GB Diversified Financial Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
NBS Nationwide Building Society
0.5xn/aUS$1.62b
LEND Sancus Lending Group
3xn/aUS$3.09m
No more companies available in this PE range
No. of Companies3PE01224364860+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: WISEL is expensive based on its Price-To-Earnings Ratio (25.6x) compared to the European Diversified Financial industry average (13.7x).

Price to Earnings Ratio vs Fair Ratio

What is WISEL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

WISEL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio25.6x
Fair PE Ratio19.1x

Price-To-Earnings vs Fair Ratio: WISEL is expensive based on its Price-To-Earnings Ratio (25.6x) compared to the estimated Fair Price-To-Earnings Ratio (19.1x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst WISEL forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUK£9.76
UK£11.75
+20.48%
17.69%UK£15.00UK£7.60n/a19
Jan ’27UK£8.96
UK£11.75
+31.19%
18.25%UK£15.00UK£7.50n/a18
Dec ’26UK£8.75
UK£11.80
+34.89%
18.63%UK£15.00UK£7.50n/a17
Nov ’26UK£9.65
UK£12.06
+25.09%
18.62%UK£15.50UK£7.50n/a17
Oct ’26UK£10.10
UK£12.00
+18.84%
18.43%UK£15.50UK£7.50n/a17
Sep ’26UK£10.72
UK£11.83
+10.32%
18.62%UK£15.50UK£7.50n/a16
Aug ’26UK£10.17
UK£11.73
+15.36%
17.66%UK£14.00UK£7.50n/a16
Jul ’26UK£10.33
UK£11.92
+15.48%
17.76%UK£14.20UK£7.50n/a16
Jun ’26UK£11.04
UK£11.31
+2.52%
17.24%UK£13.75UK£7.50n/a18
May ’26UK£9.90
UK£11.16
+12.70%
16.18%UK£13.20UK£7.70n/a18
Apr ’26UK£9.78
UK£11.19
+14.46%
16.35%UK£13.33UK£7.70n/a18
Mar ’26UK£9.93
UK£11.32
+14.02%
14.89%UK£13.33UK£7.70n/a17
Feb ’26UK£11.20
UK£11.32
+1.10%
15.16%UK£13.53UK£7.70n/a17
Jan ’26UK£10.60
UK£9.87
-6.91%
15.19%UK£12.50UK£7.70UK£8.9617
Dec ’25UK£8.81
UK£9.63
+9.32%
14.97%UK£12.50UK£6.80UK£8.7517
Nov ’25UK£7.09
UK£9.31
+31.47%
17.75%UK£12.50UK£5.60UK£9.6518
Oct ’25UK£6.60
UK£9.22
+39.82%
18.27%UK£12.50UK£5.60UK£10.1018
Sep ’25UK£7.07
UK£9.32
+31.89%
17.99%UK£12.50UK£5.60UK£10.7218
Aug ’25UK£6.94
UK£9.32
+34.32%
17.99%UK£12.50UK£5.60UK£10.1718
Jul ’25UK£6.99
UK£9.13
+30.65%
18.48%UK£12.50UK£5.60UK£10.3318
Jun ’25UK£8.16
UK£10.28
+26.04%
17.97%UK£13.00UK£5.60UK£11.0418
May ’25UK£7.74
UK£10.16
+31.29%
18.81%UK£13.00UK£5.60UK£9.9018
Apr ’25UK£9.30
UK£9.98
+7.32%
20.30%UK£13.00UK£5.60UK£9.7819
Mar ’25UK£9.25
UK£9.67
+4.61%
21.20%UK£12.60UK£5.60UK£9.9318
Feb ’25UK£8.06
UK£9.48
+17.61%
20.74%UK£12.50UK£5.60UK£11.2018
Jan ’25UK£8.74
UK£8.25
-5.66%
19.10%UK£11.50UK£5.20UK£10.6017
UK£11.77
Fair Value
17.1% undervalued intrinsic discount
19
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/01/22 19:15
End of Day Share Price 2026/01/22 00:00
Earnings2025/09/30
Annual Earnings2025/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Wise plc is covered by 27 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Joao Safara SilvaBanco Santander
Sven MerktBarclays
Grégoire HermannBarclays