Wise/$WSE

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About Wise

Wise is a currency conversion platform that matches, where possible, offsetting currency transactions across borders to reduce costs. The group focuses primarily on private clients and small and midsize enterprises, but it is building out its platform business aimed at providing its services as a backend solution to banks. By operating local accounts in each jurisdiction Wise sends money to or receives money from, this fintech offers faster and cheaper currency transfer services than incumbents (banks). Wise has started to broaden its product offering, issuing its clients debit cards and allowing customers to invest funds in various asset management products.
Ticker
$WSE
Sector
Finance
Primary listing
NASDAQ
Employees
-
Website
wise.com

Wise Metrics

BasicAdvanced
$12B
23.58
$0.48
0.51
-

What the Analysts think about Wise

Analyst ratings (Buy, Hold, Sell) for Wise stock.
Analyst projections of the future price of Wise stock.

Bulls say / Bears say

Wise started FY27 with strong momentum: Q1 net revenue rose 25% year on year to $714 million, cross-border volume grew 26% to $69.3 billion and active customers increased 21% to 11.9 million. Customer holdings also grew 31%, showing deeper use of the platform. (Wise Group plc)
Wise Platform is extending its infrastructure business beyond retail transfers. Its Capitec partnership adds a major South African bank, following 13 new partnerships and new licences and domestic payment connections that are difficult for competitors to replicate quickly. (Wise)
Wise is already highly profitable and returning cash to shareholders. FY26 income before tax reached $660.4 million on $2.5 billion of net revenue, and the company announced a share-purchase programme expected to exceed $500 million while retaining its 15–20% medium-term revenue-growth target. (Wise Group plc)
US expansion has suffered a regulatory setback: the OCC denied Wise’s national trust bank charter application. Wise said the original structure was no longer viable and that the OCC had raised historical compliance issues, so a new application will be needed. (Reuters, Wise Group plc)
Profit margins are under pressure from heavy investment. FY26 operating expenses rose 40% as Wise added more than 2,000 employees and expanded its infrastructure, while the income-before-tax margin fell to 26% from 34%; FY27 guidance is around the top of a lower 20–25% range. (FXC Intelligence, Wise Group plc)
Wise is still giving up price to drive volume: its Q1 cross-border take rate fell to 0.50% from 0.52%. Management’s FY27 revenue outlook also assumes no material change in central-bank rates, leaving earnings exposed to weaker interest income if rates fall. (Wise Group plc)
Data summarised monthly by Lightyear AI. Last updated on 28 Sept 2026.

Wise Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

Wise Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise
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