Wise

Financial Services
Wise Group plc is a global financial technology company specializing in cross-border payments and money transfers. The company's core value proposition is providing fast, transparent, and low-cost international money transfers using the mid-market exchange rate, disrupting traditional correspondent banking models. Wise operates through three main product offerings: Wise Account, Wise Business, and Wise Platform. The Wise Account allows individual customers to hold balances in over 40 currencies, send money internationally, and spend abroad using a linked debit card. Wise Business provides similar multi-currency functionality tailored for small and medium-sized enterprises, including mass payouts and integration with accounting software. The Wise Platform is a B2B infrastructure solution that allows banks, financial institutions, and large enterprises to embed Wise's cross-border payment capabilities directly into their own applications. Revenue is primarily generated from transaction fees on cross-border money movements, currency conversion fees, and card interchange fees. The company also earns interest income on customer balances. Geographically, Wise serves a global customer base, with significant transaction volumes originating from Europe, North America, and the Asia-Pacific region. By utilizing a proprietary network of local bank accounts in various countries, Wise bypasses the traditional SWIFT system, significantly reducing costs and increasing transfer speeds.

$11.7B

Market Cap • 10/2/2026

NASDAQ

Listing Exchange

Flag of United Kingdom

United Kingdom

Country

Valuation

P/B

6,1

P/S

4,7

P/EBITDA

17,6

P/OCF

1,2

P/FCF

1,2

P/E

23,8

BVPS

1,9

EPS

0,5

Market Cap

Market Cap

11,7B

EV

10,6B

EV/Revenue

4,3

EV/EBITDA

15,9

EV/EBIT

16,4

Payout

Dividend Per Share

0

Dividend Yield

0%

Buyback Yield

5,3%

Total Yield

5,3%

Payout

0%

Retained Earnings

2,1B

Profitability

Gross Margin

80%

EBITDA Margin

26,9%

EBIT Margin

26,1%

Net Margin

20%

D&A/EBITDA

0%

R&D/Revenue

0%

Capex/Revenue

1%

Capex/D&A

136,1%

Capex/OCF

0,3%

SBC/OCF

1,3%

% PPE

0,6%

% Goodwill

0%

ROE

27%

ROIC

139,4%

Growth

CAGR Revenue 5Y

33,6%

CAGR Op. Income 5Y

59,9%

CAGR Net Income 5Y

63,2%

CAGR EPS 5Y

64,4%

CAGR OCF 5Y

28,5%

Leverage

N.D./EBITDA

—

Debt/Equity

0%

Current Ratio

1,1

Quick Ratio

1,1

Interest Coverage

2217,3%

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