WISE Stock Overview
Wise plc provides cross-border money transfer services for personal and business customers in Europe, the United Kingdom, the Asia-Pacific, North America, and internationally.
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£3.69|
|52 Week High||UK£11.77|
|52 Week Low||UK£2.99|
|1 Month Change||-15.85%|
|3 Month Change||-33.87%|
|1 Year Change||n/a|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-58.07%|
Recent News & Updates
The Key Drivers in Wise plc's (LON:WISE) Current Valuation and Business Model
Wise plc (LON:WISE) started trading on the London Stock Exchange through a direct listing in London on 7 July 2021. The company has adopted a sustainable and profitable model, with an emphasis on cutting costs for customers that seek to transfer funds and hold an international low-cost account. Today, we will go over their business, and estimate what investors can expect going forward from the stock.
|WISE||GB IT||GB Market|
Return vs Industry: Insufficient data to determine how WISE performed against the UK IT industry.
Return vs Market: Insufficient data to determine how WISE performed against the UK Market.
|WISE Average Weekly Movement||8.2%|
|IT Industry Average Movement||6.8%|
|Market Average Movement||6.2%|
|10% most volatile stocks in GB Market||11.6%|
|10% least volatile stocks in GB Market||3.2%|
Stable Share Price: WISE is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: WISE's weekly volatility (8%) has been stable over the past year.
About the Company
Wise plc provides cross-border money transfer services for personal and business customers in Europe, the United Kingdom, the Asia-Pacific, North America, and internationally. The company’s payments infrastructure comprise various products, including Wise Transfer to send money abroad; Wise Account to meet multi-currency banking needs for people; Wise Business, an account that provides business customers with international banking features; and Wise Platform that allows banks, including credit unions and financial institutions, and enterprise partners to integrate its payments network into their own mobile applications or online banking. It also offers online currency exchange services.
Wise Fundamentals Summary
|WISE fundamental statistics|
Is WISE overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|WISE income statement (TTM)|
|Cost of Revenue||UK£161.10m|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
Jun 28, 2022
|Earnings per share (EPS)||0.029|
|Net Profit Margin||5.98%|
How did WISE perform over the long term?See historical performance and comparison
Is Wise undervalued compared to its fair value and its price relative to the market?
Valuation Score 2/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: WISE (£3.69) is trading below our estimate of fair value (£57.68)
Significantly Below Fair Value: WISE is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: WISE is poor value based on its PE Ratio (126.6x) compared to the UK IT industry average (32.5x).
PE vs Market: WISE is poor value based on its PE Ratio (126.6x) compared to the UK market (15.3x).
Price to Earnings Growth Ratio
PEG Ratio: WISE is poor value based on its PEG Ratio (2.9x)
Price to Book Ratio
PB vs Industry: WISE is overvalued based on its PB Ratio (10.8x) compared to the GB IT industry average (3.7x).
How is Wise forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
Future Growth Score4/6
Future Growth Score 4/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: WISE's forecast earnings growth (44% per year) is above the savings rate (0.9%).
Earnings vs Market: WISE's earnings (44% per year) are forecast to grow faster than the UK market (11.3% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: WISE's revenue (19.7% per year) is forecast to grow faster than the UK market (4.2% per year).
High Growth Revenue: WISE's revenue (19.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: WISE's Return on Equity is forecast to be low in 3 years time (17.6%).
How has Wise performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: WISE has a large one-off loss of £12.9M impacting its September 30 2021 financial results.
Growing Profit Margin: WISE's current net profit margins (6%) are lower than last year (6.3%).
Past Earnings Growth Analysis
Earnings Trend: WISE has become profitable over the past 5 years, growing earnings by 33.8% per year.
Accelerating Growth: WISE's earnings growth over the past year (26.2%) is below its 5-year average (33.8% per year).
Earnings vs Industry: WISE earnings growth over the past year (26.2%) underperformed the IT industry 26.7%.
Return on Equity
High ROE: WISE's Return on Equity (8.6%) is considered low.
How is Wise's financial position?
Financial Health Score5/6
Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: WISE's short term assets (£5.5B) exceed its short term liabilities (£5.2B).
Long Term Liabilities: WISE's short term assets (£5.5B) exceed its long term liabilities (£132.5M).
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 increased from 13.2% to 23.1% over the past 5 years.
Debt Coverage: WISE's debt is well covered by operating cash flow (2963.6%).
Interest Coverage: WISE's interest payments on its debt are well covered by EBIT (8.9x coverage).
What is Wise current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate WISE's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate WISE's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if WISE's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if WISE's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as WISE has not reported any payouts.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Kristo Kaarmann (40 yo)
Mr. Kristo Kaarmann founded Wise plc in 2010 and serves as its Chief Executive Officer and Director. Mr. Kaarmann is in charge of all operations activities, technology, development, compliance and regulato...
Experienced Management: WISE's management team is not considered experienced ( 0.3 years average tenure), which suggests a new team.
Experienced Board: WISE's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: WISE only recently listed within the past 12 months.
Wise plc's employee growth, exchange listings and data sources
- Name: Wise plc
- Ticker: WISE
- Exchange: LSE
- Founded: 2010
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Implied Market Cap: UK£3.670b
- Shares outstanding: 994.59m
- Website: https://www.wise.com
Number of Employees
- Wise plc
- Tea Building
- 6th Floor
- Greater London
- E1 6JJ
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/20 00:00|
|End of Day Share Price||2022/05/20 00:00|
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 here.