WSE Stock Analysis: Wise Ordinary Shares | NASDAQ
Information Technology Services | NASDAQ, USA | Market Cap: 12.664m USD | 12M Return: 3.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.5M
Rev. Trend: 97.1%
Warnings
Tailwinds
No distinct edge detected
Seasonality 0.2 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Wise Group plc (NASDAQ: WSE) is a UK-based financial technology company that provides cross-border and domestic money transfer and banking services to both personal and business customers. Founded in 2010 and headquartered in London, the company operates internationally across the UK, rest of Europe, Asia-Pacific, North America, and other regions. Its product suite includes international money transfers, multi-currency accounts, international debit cards, and mass payment services for businesses.
The company is classified within the Technology sector and the Information Technology Services industry, reflecting its digital-first business model that operates without a physical branch network. Wise listed on NASDAQ in 2026 and is categorized as a large-cap stock with a market capitalization of approximately $11 billion. As a fintech operator, it competes in the global digital remittance and multi-currency payments market, serving both retail consumers and business clients with cross-border transaction needs.
- Cross-border volumes accelerate as active customers scale
- Interest income on customer balances boosts margins
- Competition from Revolut pressures cross-border take rate
| Net Income: 539.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.19 > 0.02 and ΔFCF/TA 4.77 > 1.0 |
| NWC/Revenue: 88.03% < 20% (prev 75.12%; Δ 12.91% < -1%) |
| CFO/TA 0.20 > 3% & CFO 5.81b > Net Income 539.1m |
| Net Debt (-13.3b) to EBITDA (745.3m): -17.91 < 3 |
| Current Ratio: 1.08 > 1.5 & < 3 |
| Outstanding Shares: last fiscal year (1.01b) vs prev -1.40% < -2% |
| Gross Margin: 72.41% > 18% (prev 71.06%; Δ 1.34% > 0.5%) |
| Asset Turnover: 9.02% > 50% (prev 8.78%; Δ 0.24% > 0%) |
| Interest Coverage Ratio: 36.22 > 6 (EBIT TTM 721.6m / Interest Expense TTM 19.9m) |
| A: 0.07 (Total Current Assets 29.4b - Total Current Liabilities 27.3b) / Total Assets 29.7b |
| B: 0.06 (Retained Earnings 1.80b / Total Assets 29.7b) |
| C: 0.03 (EBIT TTM 721.6m / Avg Total Assets 25.9b) |
| D: 0.07 (Book Value of Equity 1.92b / Total Liabilities 27.8b) |
| Altman-Z'' = 0.91 = BB |
| DSRI: 0.67 (Receivables 444.5m/550.5m, Revenue 2.34b/1.94b) |
| GMI: 0.98 (GM 71.06% / 72.41%) |
| AQI: 0.98 (AQ_t 0.01 / AQ_t-1 0.01) |
| SGI: 1.20 (Revenue 2.34b / 1.94b) |
| TATA: -0.18 (NI 539.1m - CFO 5.81b) / TA 29.7b) |
| Beneish M = -3.20 (Cap -4..+1) = AA |
As of July 10, 2026, the stock is trading at USD 12.77 with a total of 865,176 shares traded. Over the past week, the price has changed by +3.65%, over one month by +20.81%, over three months by +0.31% and over the past year by +3.82%.
Current recommended Stop Loss: 12.10 (which is 5.2% or 1.4 ATR below the current price).
Wise Ordinary Shares has no consensus analysts rating.
P/E Trailing = 26.7188
P/E Forward = 23.6967
P/S = 5.06
P/B = 6.6371
P/EG = 4.9171
Revenue TTM = 2.34b USD
EBIT TTM = 721.6m USD
EBITDA TTM = 745.3m USD
Long Term Debt = 266.7m USD (from longTermDebt, last quarter)
Short Term Debt = 6.58m USD (from shortLongTermDebt, last quarter)
Debt = 131.5m USD (Leases only: 131.5m)
Net Debt = -13.3b USD (calculated: Debt 131.5m - CCE 13.5b)
Enterprise Value = 12.7b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 36.22 (Ebit TTM 721.6m / Interest Expense TTM 19.9m)
EV/FCF = 2.20x (Enterprise Value 12.7b / FCF TTM 5.77b)
FCF Yield = 45.55% (FCF TTM 5.77b / Enterprise Value 12.7b)
FCF Margin = 246.9% (FCF TTM 5.77b / Revenue TTM 2.34b)
Net Margin = 23.07% (Net Income TTM 539.1m / Revenue TTM 2.34b)
Gross Margin = 72.41% ((Revenue TTM 2.34b - Cost of Revenue TTM 644.8m) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.43 (Enterprise Value 12.7b / Total Assets 29.7b)
Interest Expense / Debt = 15.15% (Interest Expense 19.9m / Debt 131.5m)
Taxrate = 26.22% (191.6m / 730.7m)
NOPAT = 532.4m (EBIT 721.6m * (1 - 26.22%))
Current Ratio = 1.08 (Total Current Assets 29.4b / Total Current Liabilities 27.3b)
Debt / Equity = 0.07 (Debt 131.5m / totalStockholderEquity, last quarter 1.92b)
Debt / EBITDA = -17.91 (Net Debt -13.3b / EBITDA 745.3m)
Debt / FCF = -2.31 (Net Debt -13.3b / FCF TTM 5.77b)
Total Stockholder Equity = 1.39b (last fiscal year from totalStockholderEquity)
RoA = 2.08% (Net Income 539.1m / Total Assets 29.7b)
RoE = 38.89% (Net Income TTM 539.1m / Total Stockholder Equity 1.39b)
RoCE = 43.66% (EBIT 721.6m / Capital Employed (Equity 1.39b + L.T.Debt 266.7m))
RoIC = 23.19% (NOPAT 532.4m / Invested Capital 2.30b)
WACC = 12.44% (E(12.7b)/V(12.8b) * Re(12.45%) + D(131.5m)/V(12.8b) * Rd(15.15%) * (1-Tc(0.26)))
Discount Rate = 12.45% (= CAPM, Blume Beta Adj.)
Shares (yearly) Correlation: -100.0 | Cagr: -0.52%
[DCF] Terminal Value 65.93% ; FCFF base≈4.76b ; Y1≈5.45b ; Y5≈8.02b
[DCF] Fair Price = 84.26 (EV 69.9b - Net Debt -13.3b = Equity 83.2b / Shares 987.5m; r=12.44% [WACC]; 5y FCF grow 15.0% → 2.50% )
Revenue Correlation: 97.09 | Revenue CAGR: 38.31% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2027-03-31): EPS=0.59 | Chg30d=N/A | Revisions=+0% | GrowthEPS=+21.4% | GrowthRev=+15.3%
EPS next Year (2028-03-31): EPS=0.68 | Chg30d=N/A | Revisions=+0% | GrowthEPS=+18.9% | GrowthRev=+18.3%
[Analyst] Revisions Ratio: +0% (up=0, down=0)