Wise Group plc is a US-listed company in the transaction & payment processing services industry. Its financial year ends in March.
Stock price today
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Third-party market data · may be delayed
Model estimate per share
~$21
Valuation models combined (4)
Base case. Range ~$6.0–$36. Weighted average of 4 models (growth cash-flow model, forward price-to-earnings vs peers, residual income, justified price-to-book), the growth cash-flow model counting double.
Price vs value
No Buy/Hold/Sell rating is issued: valued with our growth model, which doesn't carry a Buy/Hold/Sell rating yet.
Wise Group plc valuation: adjust assumptions and compare models →
Who’s trading
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
- Insiders0 buying, 3 selling0 purchases and 5 sales by directors and officers, last 12 monthsInsider trades
- Funds206 adding, 0 cuttingOf 26 active managers that changed their stake, 26 added; quarter to June 30, 2026Fund buyers and sellers
The Fundamentalytics view
Wise Group plc's trailing-twelve-month revenue grew 22.5% year on year, with a free-cash-flow margin of 397.9%. Where it stands out: free-cash-flow margin of 397.9% ranks 1 of 25 transaction & payment processing services companies we cover. Where it lags: days sales outstanding of 75 days ranks 16 of 18 transaction & payment processing services companies we cover.
Current signal Free cash flow diverging from earnings: TTM free cash flow grew 32.8% while net income fell 9.4%: a 42pp divergence.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
Highlights
How we pick theseStrengths
- Fast growth. Revenue grew 22.5% over the last 12 months, against a median of 9.7% for transaction & payment processing services companies we cover.
- Growth speeding up. The growth rate is 5.6 points higher than a quarter earlier.
- High operating margin. 31.2% of revenue is left as operating profit, against a median of 9.8% for transaction & payment processing services companies we cover.
- Strong cash generation. 397.9% of revenue turned into free cash flow, against a median of 18.4% for transaction & payment processing services companies we cover.
- Shrinking share count. Diluted shares fell 1.5% in a year, so each share owns more of the business.
Things to watch
- Margins narrowing. Operating margin is down 15.9 points on a year ago.
- Below peers: days sales outstanding. Days sales outstanding of 75 days ranks 16 of 18 transaction & payment processing services companies we cover (median 53 days).
Price chart
- 1 day+1.9%
- 1 week-1.1%
- 1 month-5.0%
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Third-party market data · may be delayed
At a glance
Profitability
- Revenue (TTM)
- $1.9B
- Operating margin
- 31.2%
- Net margin
- 26.3%
- EPS (TTM, diluted)
- $0.48
Growth
- Revenue growth
- +22.5%
- Change in growth rate
- +5.6 pts
- Share count change
- −1.5%
Cash
- Free cash flow (TTM)
- $7.5B
- FCF margin
- 397.9%
- Stock pay % of revenue
- 5.0%
News & updates
Company announcements, filed results and changes that matter to shareholders.
No recent updates are available for WSE from the sources we follow. See filings →
Valuation models
We value Wise Group plc as an operating company, with every model that fits that kind of business. Cost of equity 9.5%: the 10-year Treasury yield (4.9%) plus a beta of 1 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Growth cash-flow model Revenue for this year and next from analysts' consensus, then growth fading to 2.5%; the operating margin moving to profitable peers'; investment needed per dollar of growth from peers; reduced by a failure probability. For young or fast-growing companies. The starting margin is normalized to between -100% and 60%; net margin is a proxy when operating income is not tagged. Uses analysts' consensus estimates (third-party data), not our forecasts. | ~$36 ~$34–$38 | Primary model, counts double |
| Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. | ~$6.0 ~$4.4–$13 | Included |
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | ~$17 ~$12–$24 | Included |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | ~$11 ~$9.3–$13 | Included |
| Forward price-to-sales vs peers Next year's consensus sales per share times peers' typical forward price-to-sales; only when earnings are negative. Uses analysts' consensus estimates (third-party data), not our forecasts. | — | Does not apply: earnings are positive: price-to-earnings is the better measure |
| Revenue-to-maturity model Revenue grown to maturity with the cash margin moving to the industry's; for companies not yet profitable. | ~$79 ~$73–$86 | Left out: out of range vs price (7.30x) |
| Combined value Weighted average of the models that apply: the primary model (growth cash-flow model) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. | ~$21 ~$6.0–$36 | 4 models |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Wise Group plc with Transaction & Payment Processing Services in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Moat
Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.
Forecasts and guidance
Next results: November 12, 2026, after the close. Analysts expect revenue of $606m for the quarter.
Analysts' consensus
| Fiscal year | EPS | Growth | Revenue | Growth |
|---|---|---|---|---|
| Current | $0.57 | +17% | $2.2bn | +18% |
| Next | $0.70 | +21% | $2.6bn | +18% |
Next year's EPS estimate has moved +0.3% in 90 days, across 12 analysts.
How the EPS forecast has moved
The consensus EPS forecast for the current fiscal year is −2.4% on 90 days ago. In the last 30 days, 0 analysts raised Wise Group plc's forecast and 0 cut it.
Average of analysts' published estimates (third-party data).
View chart data
| Period | Current fiscal year | Next fiscal year |
|---|---|---|
| 90 days ago | $0.58 | $0.70 |
| 60 days ago | $0.58 | $0.69 |
| 30 days ago | $0.57 | $0.70 |
| 7 days ago | $0.57 | $0.70 |
| Now | $0.57 | $0.70 |
Positioning
- Short interest
- — of tradable shares
- Days to cover
- 2.31 at average volume
- Short interest, 1 month
- +21% to October 15, 2026
- Held by institutions
- 47% of shares
- Held by insiders
- 22.5% of shares
- Employees
- 8,805 full time
Share-price performance
Market data may be delayedPrice behaviour
- 52-week range
- Not enough history
- From 52-week high
- —
- vs 50-day average
- −8.0%
- vs 200-day average
- —
- Volatility (1 year)
- 43%
- Beta vs S&P 500
- 0.59
Wise Group plc in five measures
Fundamentals
Where the money goes
Each dollar Wise Group took in during FY2026, followed through to profit: what it cost to make, what went on running the business, and what was left after tax.
| Revenue | $1.9B | |
|---|---|---|
| Other income | $69.7M | 3.7% of revenue |
| Selling, general and admin | $554M | 29.2% of revenue |
| Other operating costs | $749M | 39.6% of revenue |
| Operating income | $591M | 31.2% of revenue |
| Income tax | $162M | 8.5% of revenue |
| Net income | $499M | 26.3% of revenue |
Financial statements
| Fiscal year | 2024 Mar 2024 | 2025 Mar 2025 | 2026 Mar 2026 |
|---|---|---|---|
| Income | |||
| Revenue | 1.3 | 1.5 | 1.9 |
| EBITDA | 0.7 | 0.7 | 0.6 |
| Operating income | 0.7 | 0.7 | 0.6 |
| Net income | 0.5 | 0.6 | 0.5 |
| Diluted EPS | $47.81 | $52.63 | $48.43 |
| Growth (year on year) | |||
| Revenue | — | +16.9% | +22.5% |
| EBITDA | — | +11.1% | −18.0% |
| Operating income | — | +12.0% | −18.9% |
| Net income | — | +9.7% | −9.4% |
| Diluted EPS | — | +10.1% | −8.0% |
| Margins | |||
| EBITDA margin | 50.2% | 47.7% | 32.0% |
| Operating margin | 49.1% | 47.1% | 31.2% |
| Net margin | 37.9% | 35.6% | 26.3% |
| Free-cash-flow margin | 307.0% | 367.0% | 397.9% |
| Cash flow | |||
| Cash from operations | 4.1 | 5.7 | 7.6 |
| Capital spending | 0.0 | 0.0 | 0.0 |
| Free cash flow | 4.1 | 5.7 | 7.5 |
| Stock-based pay | 0.1 | 0.1 | 0.1 |
| Free cash flow after stock pay | 4.0 | 5.6 | 7.4 |
| Balance sheet | |||
| Cash | 13.2 | 18.1 | 27.8 |
| Total debt | 0.0 | 0.1 | 0.3 |
| Net debt (negative = net cash) | −13.2 | −17.9 | −27.5 |
| Diluted shares | 1,049m | 1,046m | 1,030m |
| Returned to shareholders | |||
| Buybacks | 0.1 | 0.1 | 0.5 |
| Total returned | 0.1 | 0.1 | 0.5 |
Financial health
- Short-term assets cover short-term liabilities $33.0bn of assets due within a year against $30.8bn of liabilities due within a year.
- Short-term assets cover long-term liabilities $33.0bn short-term assets against $529m of longer-dated liabilities.
- More cash than debt $27.8bn of cash against $335m of debt.
- Debt below 40% of shareholders' equity Debt is 17% of equity.
- Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
- A year's operating cash flow covers at least 20% of debt $7.6bn of operating cash flow against $335m of debt.
- Operating profit covers interest at least five times over Operating income of $591m against $20m of interest.
Dividends, buybacks and capital spending
- Buybacks (TTM)
- $473M
- Returned to shareholders
- 6%
- of free cash flow
- Buybacks, last 3 fiscal years
- $652M
- Diluted share count
- −1.5%
- year over year
- Days sales outstanding
- 75 days
- receivables vs revenue
Competitors: side by side with peers
| Last 12 months unless stated | WSE | RELY | PSFE | PAY | JKHY | WEX | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $1.9bn | $1.8bn | $1.7bn | $1.4bn | $2.5bn | $2.9bn | $1.6bn |
| Revenue growth, last 12 months | 22.5% | 23.8% | −0.2% | 26.5% | 7.1% | 9.7% | 9.3% |
| Revenue growth, 3-year average | — | 31.4% | — | 34.7% | 7.0% | 4.8% | 7.9% |
| Revenue growth, latest quarter | — | 20.2% | — | 19.8% | 4.7% | 12.8% | 14.0% |
| Gross margin | — | — | 56.4% | 25.2% | 43.7% | 60.4% | 45.0% |
| Operating margin | 31.2% | 9.5% | 4.2% | 8.2% | 25.0% | 26.6% | 9.8% |
| Operating margin, 3-year average | — | 0.5% | — | 6.4% | 23.7% | 25.8% | 11.1% |
| Net margin | 26.3% | 16.9% | −10.7% | 6.7% | 19.8% | 14.0% | 6.1% |
| Cash from operations / revenue | 398.9% | 22.4% | 13.9% | 11.8% | 29.9% | −4.3% | 18.4% |
| Free-cash-flow margin | 397.9% | 21.4% | 13.1% | 11.8% | 27.3% | −12.8% | 16.1% |
| Free-cash-flow margin, 3-year average | — | 15.8% | — | 10.8% | 25.0% | 9.5% | 16.3% |
| Stock pay / revenue | 5.0% | 7.9% | 1.9% | 1.7% | 1.3% | 4.5% | 2.2% |
| Change in share count | −1.5% | 4.6% | −6.2% | 0.4% | −1.4% | −6.1% | −2.7% |
Peer comparison
| Measure | Company | Peer median | Rank |
|---|---|---|---|
| Revenue growth Growth | 22.5% | 9.7% | 8 of 30 |
| Change in growth rate Growth | +5.6pp | -0.3pp | 3 of 30 |
| Operating margin Profitability | 31.2% | 9.8% | 5 of 29 |
| Net margin Profitability | 26.3% | 6.6% | 5 of 30 |
| Free-cash-flow margin Cash generation | 397.9% | 18.4% | 1 of 25 |
| Stock pay as % of revenue Cash generation | 5.0% | 2.3% | 20 of 30 |
| Long-term debt as % of assets Balance sheet | 1.0% | 25.3% | 2 of 19 |
| Change in share count Balance sheet | -1.5% | -1.7% | 15 of 26 |
| Days sales outstanding Balance sheet | 75 days | 53 days | 16 of 18 |
Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).
Who owns it
Funds buying and selling- Reported value
- $3.2B
- Institutions reporting
- 210
- Shares held vs prior quarter
- ▲ 198124.5%
- Positions opened / closed
- 205 / 0
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Capital International Investors | $552M | 46.0M | 17.3% | New |
| Vanguard Capital Management LLC | $263M | 21.9M | 8.3% | New |
| Fil Ltd | $234M | 19.5M | 7.3% | New |
| Dream Peak Capital Ltd | $186M | 15.6M | 5.8% | New |
| Norges Bank | $180M | 15.0M | 5.6% | — |
| Capital World Investors | $161M | 13.4M | 5.1% | New |
| Wellington Management Group LLP | $158M | 13.2M | 5.0% | New |
| Alfreton Capital LLP | $85M | 7.1M | 2.7% | New |
| Vanguard Fiduciary Trust Co | $77M | 6.4M | 2.4% | New |
| Goldman Sachs Group Inc | $75.1M | 6.3M | 2.4% | New |
| Legal & General Group PLC | $67.9M | 5.7M | 2.1% | New |
| Barclays PLC | $63.7M | 5.4M | 2.0% | New |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Wise Group plc's complete shareholder register. Values are as reported by the filers ; 1 inconsistently scaled filing rows were excluded.
Insider trading activity
Full insider history and chart| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Peiris Nilan Chief Product Officer | October 16, 2026 | Sell | 58,262 | $11.75 | $684,578 |
| Sinha Harsh Chief Technology Officer | October 16, 2026 | Sell | 42,324 | $11.75 | $497,307 |
| Thomassin Emmanuel Francois Jean-Claude Laurent Chief Financial Officer | October 16, 2026 | Sell | 6,040 | $11.75 | $70,970 |
| Peiris Nilan Chief Product Officer | July 16, 2026 | Sell | 58,262 | $12.86 | $749,249 |
| Sinha Harsh Chief Technology Officer | July 16, 2026 | Sell | 42,101 | $12.86 | $541,419 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Earnings dates and SEC filings
Results announcements
Recent SEC filings
- 6-K TRANSACTION IN OWN SHARES
- 6-K TRANSACTION IN OWN SHARES
- 6-K FORM 6-K
- 6-K TRANSACTION IN OWN SHARES
- 6-K FORM 6-K
- 6-K TRANSACTION IN OWN SHARES
- 6-K TRANSACTION IN OWN SHARES
- 6-K FORM 6-K
Data status
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
Wise Group plc in brief
- What does Wise Group plc do?
- Wise Group plc is a US-listed company in the transaction & payment processing services industry. Its financial year ends in March.
- What is Wise Group plc's stock ticker?
- Wise Group plc trades under the ticker WSE on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
- What is Wise Group plc's revenue, and how fast is it growing?
- Over its most recent trailing twelve months, Wise Group plc reported revenue of $1.9B, 22.5% higher than a year earlier, according to its SEC filings.
- What is Wise Group plc's free cash flow?
- Wise Group plc's free-cash-flow margin is 397.9% of revenue over the trailing twelve months, ranking 1 of the 25 transaction & payment processing services companies we cover.
- Who are Wise Group plc's largest institutional shareholders?
- By value reported in 13F filings for June 30, 2026, the largest reported holders are Capital International Investors, Vanguard Capital Management LLC and Fil Ltd. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
- Is Wise Group plc buying back stock, and does it pay a dividend?
- Wise Group plc spent $473M on share repurchases over the trailing twelve months, and its diluted share count fell 1.5% over the year.
- How much debt does Wise Group plc have?
- Wise Group plc's debt-to-equity ratio is 17.4%, from its latest balance sheet. The financial health section below sets out its other solvency checks.
- Who are Wise Group plc's competitors?
- In our Transaction & Payment Processing Services peer group, the companies closest to Wise Group plc are Remitly Global, Inc., Paysafe Ltd, Paymentus Holdings, Inc., Jack Henry & Associates Inc and WEX Inc. The side-by-side comparison below sets their revenue, margins and growth against Wise Group plc's.
- Are insiders buying or selling Wise Group plc stock?
- Over the last 12 months, Wise Group plc's directors and officers reported 0 open-market purchases and 5 sales on Form 4. The insider trading page charts every trade.
- When is Wise Group plc's next earnings date?
- Around November 12, 2026, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Wise Group plc announces its own schedule.
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