Wise plc

OTCPK:WPLC.F Stock Report

Market Cap: US$12.5b

Wise Valuation

Is WPLC.F 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 WPLC.F 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: WPLC.F ($12.26) is trading above our estimate of future cash flow value ($10.61)

Significantly Below Future Cash Flow Value: WPLC.F 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 WPLC.F?

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

The above table shows the Price to Earnings ratio for WPLC.F. This is calculated by dividing WPLC.F's market cap by their current earnings.
What is WPLC.F's PE Ratio?
PE Ratio24.5x
EarningsUK£386.60m
Market CapUK£9.49b

Price to Earnings Ratio vs Peers

How does WPLC.F's PE Ratio compare to its peers?

The above table shows the PE ratio for WPLC.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average35.7x
TOST Toast
45.6x25.72%US$15.6b
AFRM Affirm Holdings
54.6x31.38%US$15.4b
PAYP PayPay
20.2x5.96%US$14.1b
JKHY Jack Henry & Associates
22.4x4.74%US$11.4b
WPLC.F Wise
24.5x7.30%US$9.5b

Price-To-Earnings vs Peers: WPLC.F is good value based on its Price-To-Earnings Ratio (24.5x) compared to the peer average (35.7x).

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 WPLC.F's PE Ratio compare vs other companies in the US Diversified Financial Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
ONIT Onity Group
1.8x-26.57%US$338.05m
XBP XBP Global Holdings
0.04xn/aUS$42.67m
ACGX Alliance Creative Group
1.3xn/aUS$231.20k
No more companies available in this PE range
WPLC.F 24.5xIndustry Avg. 15.4xNo. of Companies11PE01020304050+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: WPLC.F is expensive based on its Price-To-Earnings Ratio (24.5x) compared to the US Diversified Financial industry average (15.4x).

Price to Earnings Ratio vs Fair Ratio

What is WPLC.F'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.

WPLC.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio24.5x
Fair PE Ratio14.1x

Price-To-Earnings vs Fair Ratio: WPLC.F is expensive based on its Price-To-Earnings Ratio (24.5x) compared to the estimated Fair Price-To-Earnings Ratio (14.1x).

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 WPLC.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$12.26
US$15.30
+24.78%
16.39%US$18.64US$10.05n/a19
Mar ’27US$11.50
US$15.79
+37.33%
17.39%US$20.25US$10.26n/a19
Feb ’27US$13.20
US$16.03
+21.42%
17.69%US$20.46US$10.36n/a19
Jan ’27US$11.71
US$15.72
+34.22%
18.25%US$20.07US$10.03n/a18
Dec ’26US$11.75
US$15.62
+32.90%
18.63%US$19.86US$9.93n/a17
Nov ’26US$12.71
US$16.11
+26.79%
18.62%US$20.70US$10.02n/a17
Oct ’26US$13.84
US$16.17
+16.84%
18.43%US$20.89US$10.11n/a17
Sep ’26US$14.06
US$16.02
+13.96%
18.62%US$21.00US$10.16n/a16
Aug ’26US$13.72
US$15.67
+14.22%
17.66%US$18.70US$10.02n/a16
Jul ’26US$14.25
US$16.38
+14.97%
17.76%US$19.51US$10.31n/a16
Jun ’26US$15.00
US$15.27
+1.78%
17.24%US$18.56US$10.12n/a18
May ’26US$12.93
US$14.82
+14.59%
16.18%US$17.53US$10.22n/a18
Apr ’26US$12.53
US$14.45
+15.36%
16.35%US$17.22US$9.95US$12.0718
Mar ’26US$12.46
US$14.25
+14.41%
14.89%US$16.78US$9.69US$11.5017
Feb ’26US$14.00
US$14.09
+0.63%
15.16%US$16.83US$9.58US$13.2017
Jan ’26US$13.52
US$12.38
-8.41%
15.19%US$15.68US$9.66US$11.7117
Dec ’25US$11.04
US$12.27
+11.15%
14.97%US$15.93US$8.67US$11.7517
Nov ’25US$9.20
US$12.03
+30.81%
17.75%US$16.15US$7.24US$12.7118
Oct ’25US$8.82
US$12.25
+38.89%
18.27%US$16.60US$7.44US$13.8418
Sep ’25US$9.30
US$12.29
+32.16%
17.99%US$16.48US$7.38US$14.0618
Aug ’25US$8.80
US$11.99
+36.28%
17.99%US$16.08US$7.20US$13.7218
Jul ’25US$8.55
US$11.54
+34.95%
18.48%US$15.80US$7.08US$14.2518
Jun ’25US$10.20
US$13.05
+27.92%
17.97%US$16.50US$7.11US$15.0018
May ’25US$9.86
US$12.70
+28.73%
18.81%US$16.24US$7.00US$12.9318
Apr ’25US$11.72
US$12.61
+7.61%
20.30%US$16.43US$7.08US$12.5319
US$15.19
Fair Value
19.3% 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.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/04 22:32
End of Day Share Price 2026/04/02 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. 14 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
Orson RoutBarclays
Grégoire HermannBarclays