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Profile & Fundamentals

Wise Profile & Fundamentals

Name: Wise financial chart data preview
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Company and Market Context

Company Profile & Ownership

Wise Group plc provides cross-border and domestic financial services in the United Kingdom, the rest of Europe, the Asia-Pacific, North America, and internationally. It offers money transfers, currency conversions, and account services. The company's products include Wise Account, a solution for individual customers to send, spend, hold, and get paid in one or more currencies; Wise Business, which offers the main features of the Wise Account product along with business-specific functionalities designed to enable businesses to operate internationally, including managing their accounting and accounts payable and receivables; and Wise Platform, which enables banks, financial institutions, and enterprises to integrate into a global payment infrastructure, allowing institutional partners to send and receive payments. Wise Group plc was founded in 2010 and is based in London, the United Kingdom.

Company profile record

Wise plc

Common Stock · Information Technology · Application Software

Official website

Company

Company / asset: Wise plc
Security type: Common Stock
Sector: Information Technology
Industry: Application Software
HQ: 🇬🇧 United Kingdom
Head office: Worship Square, London, United Kingdom, EC2A 4JE

Leadership & scale

Chief executive: Mr. Kristo Kaarmann
CEO year born: 1980
Full-time employees: 8.8K
Fiscal year end: March

Fundamentals snapshot

Updated 2026-08-23

Market Cap: GBP 6.7B
P/E: 8.4x
Revenue (Q1 26): USD 1.1B
Profit (Q1 26): USD 190.0M
Dividend Yield: --
Revenue (FY 26): USD 2.0B
Shares in public float: 723.2M
Insider ownership: 22.46%

Reporting & identifiers

Symbol: WISE.LSE
Listing: 🇬🇧 United Kingdom | Dividend Tax: 0%
Ticker Currency: GBX
Income Statement Currency: USD
Balance Sheet Currency: USD
Cash Flow Currency: USD
EPS Currency: USD
Contract Type: SPOT
ISIN: GB00BL9YR756
Asset ID: equity_6b33ef2c-cd56-560f-b478-26b9ed3e1f6d

Ownership

Shares Outstanding

Shares outstanding

Annual reported shares outstanding. Values in shares.

Earnings, Profitability & Valuation

Earnings & Revenue

AI Review

The company's financial results demonstrate strong operational expansion, with fiscal 2026 net revenue reaching $2.50 billion under US GAAP, up 19% year-over-year. Underlying transaction velocity expanded briskly as cross-border payment volume grew 26% to $69.3 billion in the most recent quarter. Pre-tax profit reached $660.4 million, confirming that the core business generates healthy, sustainable profits even while intentionally lowering transfer fees for customers. Crucially, non-cross-border revenue—including debit card interchange, business account fees, and interest earned on customer deposits—now represents over half of total net income. This revenue diversification insulates overall profitability from localized foreign exchange slowdowns, transforming the business from a simple remittance broker into an indispensable multi-currency financial platform.

Revenue, Net Income, and Free Cash Flow

Revenue
Free cash flow
Net income

Annual reported financial results, converted using the statement's recorded USD conversion. Missing values are omitted. Values in USD.

Valuation

Historical P/E Ratio

Published P/E

Published valuation snapshots. Trailing four-quarter earnings where available; annual earnings otherwise. Non-positive earnings are omitted. Values in times earnings.

Profitability & Margins

AI Review

Profitability margins reflect deliberate strategic choices rather than competitive weakness. The company delivered a 26.4% pre-tax profit margin in fiscal 2026, landing slightly above management's medium-term target range of 20% to 25%. Gross margins remain exceptionally wide above 70%, proving that direct clearing connections keep the direct cost of moving money remarkably low. Management deliberately manages profit margins by returning operational efficiency gains to customers through reduced transfer fees, lowering take rates toward 50 basis points. Because transaction volume grows faster than prices decline, the business expands its absolute profits while erecting an unassailable pricing barrier that high-cost traditional banks cannot match.

Profitability Margins

Gross margin
Operating margin
Net margin
Free cash flow margin

Annual gross, operating, net income and free cash flow divided by revenue for matching reporting dates. Values in percent.

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Reported Data Tables — chart preview

The following tables contain the same values as the financial charts above. Monetary values are USD; margins are percentages. Missing inputs are not estimated. Use is subject to the iPulse AI Terms of Service and applicable source rights.

Source: eodhd. Statement snapshots with chart transformations and ratios calculated by iPulse AI. Snapshot retrieved 2026-08-25.

Annual earnings and profitability
Period end	Revenue	Free cash flow	Net income	Gross margin	Operating margin	Net margin	Free cash flow margin
2018-03-30	164,220,000	263,760,000	8,680,000	66.07	8.1	5.29	160.61
2018-03-31	164,220,000	263,760,000	8,680,000	66.07	8.1	5.29	160.61
2019-03-31	231,270,000	871,260,000	13,390,000	62.06	6.86	5.79	376.73
2020-03-31	375,224,000	1,451,172,000	18,600,000	62.16	7.8	4.96	386.75
2021-03-31	576,770,000	2,809,459,000	42,333,000	61.88	10.67	7.34	487.1
2022-03-31	733,469,000	4,095,191,000	43,099,000	66.42	8.7	5.88	558.33
2023-03-31	1,213,149,000	4,810,653,000	140,220,000	64.71	15.94	11.56	396.54
2024-03-31	1,936,872,000	4,077,234,000	446,796,000	71.06	32.65	23.07	210.51
2025-03-31	2,329,998,000	5,752,110,000	537,543,000	72.41	32.09	23.07	246.87
2026-03-31	2,047,881,996	5,699,167,927	377,231,467	57.53	21.87	18.42	278.3

Published valuation snapshots
Period end	P/E (times earnings)	Earnings basis
2023-03-31	51.44	Annual net income
2022-03-31	161.38	Annual net income

Shares outstanding — chart values
Reporting date	Shares outstanding
2020-01-01	1,013,100,000
2021-01-01	1,037,500,000
2022-01-01	1,072,600,000
2023-01-01	1,078,300,000
2024-01-01	1,048,000,000
2025-01-01	1,040,600,000
2026-01-01	778,895,600

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Dividends & Actions
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