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Wise LSE:WISE Stock Report

Last Price

UK£11.11

Market Cap

UK£11.4b

7D

4.2%

1Y

25.5%

Updated

08 Jan, 2025

Data

Company Financials +

Wise plc

LSE:WISE Stock Report

Market Cap: UK£11.4b

WISE Stock Overview

Provides cross-border and domestic financial services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally. More details

WISE fundamental analysis
Snowflake Score
Valuation1/6
Future Growth1/6
Past Performance6/6
Financial Health6/6
Dividends0/6

Rewards

Revenue is forecast to grow 10.89% per year

Earnings grew by 98.5% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 6.6% per year for the next 3 years


My Notes

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Community Narratives

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WA
Analyst Price Target
Consensus Narrative from 17 Analysts

Aggressive Pricing And Costly Investments Will Pressure Future Earnings

Key Takeaways Aggressive pricing and large transfer discounts could pressure net margins and challenge future earnings if volume increases don't compensate. Significant investments in infrastructure and direct payment connections aim to reduce costs and improve services but may strain finances without immediate revenue boosts.
View narrative
UK£9.87
FV
12.6% overvalued intrinsic discount
12.29%
Revenue growth p.a.
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10users have followed this narrative
7 days ago author updated this narrative

Wise plc Competitors

PayPoint

LSE:PAY

UK£517.0m

Boku

AIM:BOKU

UK£571.5m

Fonix

AIM:FNX

UK£216.0m

Kaspi.kz

LSE:KSPI

US$22.8b

Price History & Performance

Summary of share price highs, lows and changes for Wise
Historical stock prices
Current Share PriceUK£11.11
52 Week HighUK£11.40
52 Week LowUK£5.58
Beta0.61
1 Month Change18.70%
3 Month Change69.36%
1 Year Change25.54%
3 Year Change71.72%
5 Year Changen/a
Change since IPO26.25%

Recent News & Updates

Earnings Not Telling The Story For Wise plc (LON:WISE) After Shares Rise 27%

Dec 03
Earnings Not Telling The Story For Wise plc (LON:WISE) After Shares Rise 27%

Recent updates

Earnings Not Telling The Story For Wise plc (LON:WISE) After Shares Rise 27%

Dec 03
Earnings Not Telling The Story For Wise plc (LON:WISE) After Shares Rise 27%

Wise plc's (LON:WISE) Popularity With Investors Is Under Threat From Overpricing

Oct 01
Wise plc's (LON:WISE) Popularity With Investors Is Under Threat From Overpricing

If EPS Growth Is Important To You, Wise (LON:WISE) Presents An Opportunity

Aug 26
If EPS Growth Is Important To You, Wise (LON:WISE) Presents An Opportunity

Wise plc's (LON:WISE) P/E Is On The Mark

Jun 15
Wise plc's (LON:WISE) P/E Is On The Mark

Here's Why We Think Wise (LON:WISE) Is Well Worth Watching

Apr 26
Here's Why We Think Wise (LON:WISE) Is Well Worth Watching

Do Wise's (LON:WISE) Earnings Warrant Your Attention?

Jan 11
Do Wise's (LON:WISE) Earnings Warrant Your Attention?

Shareholder Returns

WISEGB Diversified FinancialGB Market
7D4.2%1.9%0.6%
1Y25.5%7.1%4.6%

Return vs Industry: WISE exceeded the UK Diversified Financial industry which returned 7.1% over the past year.

Return vs Market: WISE exceeded the UK Market which returned 4.6% over the past year.

Price Volatility

Is WISE's price volatile compared to industry and market?
WISE volatility
WISE Average Weekly Movement4.0%
Diversified Financial Industry Average Movement5.1%
Market Average Movement4.7%
10% most volatile stocks in GB Market10.6%
10% least volatile stocks in GB Market2.5%

Stable Share Price: WISE has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: WISE's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
20106,000Kristo Kaarmannwww.wise.com

Wise plc provides cross-border and domestic financial services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally. Its product portfolio includes international money transfer, wise account, international debit card, amount transfer, receive money, wise platform, business debit card, and mass payment services. The company was formerly known as 456 Newco plc and changed its name to Wise plc in June 2021.

Wise plc Fundamentals Summary

How do Wise's earnings and revenue compare to its market cap?
WISE fundamental statistics
Market capUK£11.42b
Earnings (TTM)UK£431.30m
Revenue (TTM)UK£1.56b

26.3x

P/E Ratio

7.2x

P/S Ratio

Is WISE overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
WISE income statement (TTM)
RevenueUK£1.56b
Cost of RevenueUK£299.60m
Gross ProfitUK£1.26b
Other ExpensesUK£833.20m
EarningsUK£431.30m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)0.42
Gross Margin80.85%
Net Profit Margin27.58%
Debt/Equity Ratio0%

How did WISE perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/08 19:02
End of Day Share Price 2025/01/08 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

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 here.

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 .

Analyst Sources

Wise plc is covered by 25 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Sven MerktBarclays
Orson RoutBarclays
Orson RoutBarclays