-0.54%
4.03%
57.08%
54.78%
36.95%
83.85%
26.02%
AI Spotlight on WISE
Company Description
Wise plc provides cross-border money transfer services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally.The company's transfer infrastructure includes Wise Account for international people who need to move and manage money across borders; Wise Business for international businesses need; and Wise Platform that allows businesses and banks to offer their own customers international payments.It also offers online currency exchange services, as well as engages in the investment activities.
The company was formerly known as 456 Newco plc and changed its name to Wise plc in June 2021.Wise plc was founded in 2010 and is based in London, the United Kingdom.
Market Data
| Last Price | 1109 |
| Change Percentage | -0.54% |
| Open | 1109 |
| Previous Close | 1115 |
| Market Cap ( Millions) | 11367 |
| Volume | 122483 |
| Year High | 1140 |
| Year Low | 558 |
| M A 50 | 1002.82 |
| M A 200 | 799.81 |
Financial Ratios
| FCF Yield | 28.49% |
| Dividend Yield | 0.00% |
| ROE | 41.22% |
| Debt / Equity | 22.88% |
| Net Debt / EBIDTA | -171.95% |
| Price To Book | 12.2 |
| Price Earnings Ratio | 33.72 |
| Price To FCF | 3.51 |
| Price To sales | 8.05 |
| EV / EBITDA | 21.64 |
News
- Dec -17 - Morgan Stanley Selects Wise Platform to Enhance Payments Capabilities for Corporate Clients
- Nov -09 - Wise First Half 2025 Earnings: Beats Expectations
- Nov -07 - Wise PLC (WPLCF) (H1 2025) Earnings Call Highlights: Strong Growth in Customer Base and ...
- Nov -05 - Standard Chartered Partners with Wise Platform to Transform International Payments Experience
- Nov -04 - Wise Granted Direct Access to Philippines’ Instant Payments Infrastructure, Gets Settlement Account With BSP
- Nov -04 - Wise's (LSE:WISE) Impressive 211% Earnings Surge and 36% ROE: Balancing Strengths with Forecasted Challenges and Opportunities
- Oct -28 - UK financial regulator fines Wise CEO for "careless" lapse in personal tax disclosures
- Jun -24 - Wise Full Year 2024 Earnings: EPS Beats Expectations
- Jun -16 - Wise plc Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
- Jun -13 - Wise shares slump on weak outlook for 2025 fiscal year
- Apr -17 - Trending tickers: ASML, Asos, LVMH, JustEat
- Apr -16 - Trending tickers: Tesla, Microsoft, Wise, Dr. Martens
- Mar -19 - Should You Be Adding Bâloise Holding (VTX:BALN) To Your Watchlist Today?
- Jan -02 - HSBC Takes On Revolut, Wise With New Forex App for Non-Customers
- Nov -01 - Wise Kicks Off Austin Expansion Plan with Relocation to The Domain Tower II
- Sep -29 - Ticking Time Bombs: 3 Tech Stocks to Dump Before the Damage Is Done
- Aug -21 - Investors Still Waiting For A Pull Back In Wise plc (LON:WISE)
- Jun -27 - Wise (LON:WISE) shareholders YoY returns are lagging the company's 90% one-year earnings growth
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Personal
Expected Growth : 10.27 %
What the company do ?
Personal from Wise plc is a borderless account for individuals, allowing them to hold and convert 50+ currencies, with low fees and competitive exchange rates.
Why we expect these perspectives ?
Wise plc's Personal segment growth of 10.27% is driven by increasing adoption of digital payment solutions, rising demand for cross-border transactions, and expansion into new markets. Additionally, the company's focus on customer experience, competitive pricing, and innovative products have contributed to its growth momentum.
Segment n°2 -> Business
Expected Growth : 11.23 %
What the company do ?
Wise plc, formerly TransferWise, is a British fintech company that provides online money transfer services, debit cards, and borderless bank accounts.
Why we expect these perspectives ?
Wise plc's 11.23% growth is driven by increasing demand for cross-border payment solutions, expansion into new markets, and strategic partnerships. The company's competitive pricing, user-friendly interface, and innovative products have attracted a large customer base, resulting in high retention rates and revenue growth.
Wise Plc Products
| Product Range | What is it ? |
|---|---|
| Borderless Account | A multi-currency account that allows users to hold and convert funds in over 40 currencies, with the ability to receive and send money internationally. |
| Money Transfer | A service that enables users to send money internationally at a lower cost and with better exchange rates compared to traditional banks. |
| Debit Card | A debit card linked to the Borderless Account, allowing users to spend money in multiple currencies with low fees and competitive exchange rates. |
| Business Account | A business account that provides multi-currency management, invoicing, and payment tracking features for businesses. |
| API and Integrations | APIs and integrations that enable businesses to integrate Wise's payment and currency conversion capabilities into their own platforms. |
Wise plc's Porter Forces
Threat Of Substitutes
Wise plc operates in a niche market with limited substitutes, but the threat of digital banking and fintech companies cannot be ignored.
Bargaining Power Of Customers
Wise plc's customers are primarily individuals and small businesses, who have limited bargaining power due to the company's competitive pricing and quality of service.
Bargaining Power Of Suppliers
Wise plc has a diversified supplier base, and the company's scale and reputation give it significant bargaining power over its suppliers.
Threat Of New Entrants
While there are barriers to entry in the online money transfer market, new entrants can still disrupt the market with innovative solutions and competitive pricing.
Intensity Of Rivalry
The online money transfer market is highly competitive, with established players like PayPal and TransferWise, as well as new entrants, competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 31.43% |
| Debt Cost | 4.86% |
| Equity Weight | 68.57% |
| Equity Cost | 7.50% |
| WACC | 6.67% |
| Leverage | 45.83% |
Wise plc : Quality Control
Wise plc passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| TIETO.HE | TietoEVRY Oyj operates as a software and services company. It operates through six segments: Digital Consulting, Cloud & Infra, Industry Software, Financial Services Solutions, International Operations, and Product Development Services. … |
| SOP.PA | Sopra Steria Group SA provides consulting, digital, and software development services in France and internationally. The company operates through five segments: France, United Kingdom, Other Europe, Sopra Banking Software, and … |
| SCT.L | Softcat plc primarily acts as a value-added IT reseller and IT infrastructure solutions provider in the United Kingdom. The company advices, procures, designs, implements, and manages technology, such as software … |
| LAGR-B.ST | Lagercrantz Group AB (publ) operates as a technology company in Sweden, Denmark, Norway, Finland, the United Kingdom, Germany, Poland, rest of Europe, and internationally. The company operates through five divisions: … |
| BC8.DE | Bechtle AG provides information technology (IT) services primarily in Europe. The company operates in two segments, IT System House & Managed Services, and IT E-Commerce. The IT System House & … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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TietoEVRY
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Softcat
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Lagercrantz Group
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4
Bechtle
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5
Sopra Steria
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6
