Wise Valuation

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

WISE (£7.06) is trading below our estimate of [[fair value]] (£7.16)

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

Valuation Score

2/6

Valuation Score 2/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: WISE (£7.06) is trading below our estimate of fair value (£7.16)

Significantly Below Fair Value: WISE is trading below fair value, but not by a significant amount.

Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

The above table shows the n/a ratio for WISE. This is calculated by dividing WISE's market cap by their current preferred multiple.
What is WISE's n/a Ratio?
n/a	0x
n/a	n/a
Market Cap	UK£7.23b

WISE key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	4.5x
Enterprise Value/EBITDA	13.1x
PEG Ratio	-6.1x

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for WISE vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	37.3x
PAY PayPoint	15.6x	13.3%	UK£557.6m
BOKU Boku	97.3x	38.6%	UK£540.9m
FNX Fonix	22.4x	2.2%	UK£237.5m
CABP CAB Payments Holdings	14.1x	29.2%	UK£272.9m
WISE Wise	20.4x	-3.3%	UK£7.2b

Price-To-Earnings vs Peers: WISE is good value based on its Price-To-Earnings Ratio (20.4x) compared to the peer average (37.3x).

Price to Earnings Ratio vs Industry

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

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	11.1%
	n/a	n/a	n/a

Fetching data

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	11.1%
	n/a	n/a	n/a

No more companies

Price-To-Earnings vs Industry: WISE is expensive based on its Price-To-Earnings Ratio (20.4x) compared to the UK Diversified Financial industry average (14.9x).

Price to Earnings Ratio vs Fair Ratio

What is WISE'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.

WISE PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	20.4x
Fair PE Ratio	16.3x

Price-To-Earnings vs Fair Ratio: WISE is expensive based on its Price-To-Earnings Ratio (20.4x) compared to the estimated Fair Price-To-Earnings Ratio (16.3x).

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 WISE forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	UK£7.06	UK£9.31 +31.9%	17.8%	UK£12.50	UK£5.60	n/a	18
Oct ’25	UK£6.56	UK£9.22 +40.6%	18.3%	UK£12.50	UK£5.60	n/a	18
Sep ’25	UK£7.05	UK£9.32 +32.3%	18.0%	UK£12.50	UK£5.60	n/a	18
Aug ’25	UK£7.00	UK£9.32 +33.2%	18.0%	UK£12.50	UK£5.60	n/a	18
Jul ’25	UK£6.99	UK£9.13 +30.6%	18.5%	UK£12.50	UK£5.60	n/a	18
Jun ’25	UK£8.15	UK£10.28 +26.2%	18.0%	UK£13.00	UK£5.60	n/a	18
May ’25	UK£7.74	UK£10.16 +31.4%	18.8%	UK£13.00	UK£5.60	n/a	18
Apr ’25	UK£9.29	UK£9.98 +7.5%	20.3%	UK£13.00	UK£5.60	n/a	19
Mar ’25	UK£9.24	UK£9.67 +4.7%	21.2%	UK£12.60	UK£5.60	n/a	18
Feb ’25	UK£8.07	UK£9.48 +17.5%	20.7%	UK£12.50	UK£5.60	n/a	18
Jan ’25	UK£8.74	UK£8.25 -5.6%	19.1%	UK£11.50	UK£5.20	n/a	17
Dec ’24	UK£7.90	UK£8.22 +4.1%	19.5%	UK£11.50	UK£5.20	n/a	17
Nov ’24	UK£6.70	UK£7.73 +15.4%	19.9%	UK£10.50	UK£5.20	UK£7.06	16
Oct ’24	UK£6.86	UK£7.44 +8.5%	22.1%	UK£9.60	UK£4.60	UK£6.56	15
Sep ’24	UK£6.38	UK£7.30 +14.3%	20.4%	UK£9.46	UK£4.60	UK£7.05	17
Aug ’24	UK£7.75	UK£7.14 -7.9%	19.9%	UK£9.46	UK£4.60	UK£7.00	16
Jul ’24	UK£6.57	UK£6.79 +3.4%	22.1%	UK£9.00	UK£4.50	UK£6.99	14
Jun ’24	UK£5.88	UK£6.69 +13.8%	24.7%	UK£9.00	UK£3.80	UK£8.15	14
May ’24	UK£5.50	UK£6.65 +20.8%	26.4%	UK£9.00	UK£3.80	UK£7.74	12
Apr ’24	UK£5.44	UK£6.76 +24.2%	28.5%	UK£10.00	UK£3.80	UK£9.29	12
Mar ’24	UK£5.80	UK£6.77 +16.8%	28.3%	UK£10.00	UK£3.80	UK£9.24	12
Feb ’24	UK£5.65	UK£6.73 +19.1%	29.2%	UK£10.00	UK£3.80	UK£8.07	12
Jan ’24	UK£5.63	UK£6.72 +19.4%	29.8%	UK£9.90	UK£3.30	UK£8.74	12
Dec ’23	UK£6.58	UK£6.73 +2.4%	30.4%	UK£9.12	UK£3.30	UK£7.90	10
Nov ’23	UK£6.78	UK£6.56 -3.2%	33.7%	UK£9.12	UK£3.00	UK£6.70	9

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.