Wise Balance Sheet Health
Financial Health criteria checks 6/6
Wise has a total shareholder equity of £1.4B and total debt of £203.4M, which brings its debt-to-equity ratio to 14.2%. Its total assets and total liabilities are £22.1B and £20.7B respectively. Wise's EBIT is £514.3M making its interest coverage ratio -20.6. It has cash and short-term investments of £1.6B.
Key information
14.20%
Debt to equity ratio
UK£203.40m
Debt
| Interest coverage ratio | -20.6x |
| Cash | UK£1.58b |
| Equity | UK£1.43b |
| Total liabilities | UK£20.68b |
| Total assets | UK£22.11b |
Recent financial health updates
No updates
Recent updates
Wise (LON:WISE) Ticks All The Boxes When It Comes To Earnings Growth
Oct 05
Getting In Cheap On Wise plc (LON:WISE) Is Unlikely
Aug 13Analysts Have Made A Financial Statement On Wise plc's (LON:WISE) Yearly Report
Jun 21If EPS Growth Is Important To You, Wise (LON:WISE) Presents An Opportunity
Jun 10Investor Optimism Abounds Wise plc (LON:WISE) But Growth Is Lacking
Mar 19Here's Why We Think Wise (LON:WISE) Might Deserve Your Attention Today
Jan 25
Aggressive Pricing Gambit Threatens Future Earnings Amid Infrastructure Strain
Aggressive pricing and large transfer discounts could pressure net margins and challenge future earnings if volume increases don't compensate.Financial Position Analysis
Short Term Liabilities: WISE's short term assets (£21.8B) exceed its short term liabilities (£20.3B).
Long Term Liabilities: WISE's short term assets (£21.8B) exceed its long term liabilities (£363.1M).
Debt to Equity History and Analysis
Debt Level: WISE has more cash than its total debt.
Reducing Debt: WISE's debt to equity ratio has reduced from 26.5% to 14.2% over the past 5 years.
Debt Coverage: WISE's debt is well covered by operating cash flow (2620%).
Interest Coverage: WISE earns more interest than it pays, so coverage of interest payments is not a concern.
Balance Sheet
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/12/14 07:11 |
| End of Day Share Price | 2025/12/12 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2025/03/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* 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. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Joao Safara Silva | Banco Santander |
| Sven Merkt | Barclays |
| Grégoire Hermann | Barclays |