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Wise PLC Class A (GB:WISE)
LSE:WISE
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Wise PLC Class A
(LSE:WISE)78Outperform
Positive Factors
Growth and Expansion
Volumes accelerated sequentially in the business segment, and announced bank partnerships are expected to continue driving volume growth over the next quarters.
Market Position
The exit of HSBC's Zing app is seen as a positive catalyst for Wise Platforms as it may attract more consumer banks to outsource directly.
Negative Factors
Regulatory Challenges
Recent news around Wise's US business includes a CFPI fine.
Wise PLC Class A (WISE) vs. S&P 500 (SPY)
Market Cap
£13.30B
Dividend YieldN/A
Average Volume (3M)1.48M
Price to Earnings (P/E)22.2
Beta (1Y)1.50
Revenue Growth34.39%
EPS Growth94.35%
CountryUK
Employees5,499
SectorTechnology
Sector Strength48
IndustrySoftware
Share Statistics
EPS (TTM)0.42
Shares Outstanding1,025,000,200
10 Day Avg. Volume1,532,109
30 Day Avg. Volume1,483,019
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)N/A
Price to Sales (P/S)14.54
Price to Cash Flow (P/CF)4.40
P/FCF Ratio4.40
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
1,143.82pPrice Target Upside22.46% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
Wise PLC Class A Business Overview & Revenue Model
Company DescriptionWise PLC, formerly known as TransferWise, is a financial technology company that specializes in providing international money transfer services. The company operates primarily in the financial services sector and is known for its online platform that facilitates cross-border payments and currency exchange for individuals and businesses. Wise aims to offer a faster, cheaper, and more transparent way to send money internationally compared to traditional banks.
How the Company Makes MoneyWise PLC makes money primarily through fees charged on cross-border money transfers. The company offers a competitive exchange rate and charges a transparent, upfront fee that is typically lower than those charged by traditional banks. Key revenue streams include individual customer transfers, business payments, and partnerships with banks and financial institutions that integrate Wise's services into their platforms. Additionally, Wise offers multi-currency accounts that allow users to hold and manage funds in multiple currencies, generating revenue through various account-related fees and foreign exchange services.
Wise PLC Class A Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| Breakdown | ||||
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 1.41B | 986.30M | 563.80M | 421.00M | 302.60M | Gross Profit |
| 1.10B | 638.20M | 369.10M | 260.50M | 188.10M | EBIT |
| 501.90M | 157.20M | 48.70M | 44.90M | 23.60M | EBITDA |
| 520.00M | 166.90M | 62.90M | 60.90M | 35.60M | Net Income Common Stockholders |
| 354.60M | 114.00M | 32.90M | 30.90M | 15.00M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 1.06B | 11.48B | 7.25B | 1.62B | 2.19B | Total Assets |
| 15.14B | 11.90B | 7.56B | 4.30B | 2.38B | Total Debt |
| 224.20M | 249.90M | 78.50M | 78.60M | 49.20M | Net Debt |
| -836.90M | -7.43B | -5.98B | -807.10M | -2.03B | Total Liabilities |
| 14.16B | 11.33B | 7.16B | 4.02B | 2.18B | Stockholders Equity |
| 979.90M | 576.90M | 409.20M | 285.30M | 196.80M |
| Cash Flow | Free Cash Flow | |||
| 3.24B | 3.91B | 3.13B | 2.05B | 1.17B | Operating Cash Flow |
| 3.25B | 3.92B | 3.14B | 2.07B | 1.19B | Investing Cash Flow |
| -142.60M | -2.59B | -490.40M | -671.80M | -20.90M | Financing Cash Flow |
| -125.60M | 153.90M | -1.30M | 24.80M | 31.20M |
Wise PLC Class A Technical Analysis
Negative
934.00
Price Trends
1058.66
Negative
953.93
Negative
831.38
Positive
Market Momentum
-32.31
Positive
28.69
Positive
12.15
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:WISE, the sentiment is Negative. The current price of 934 is below the 20-day moving average (MA) of 1023.65, below the 50-day MA of 1058.66, and above the 200-day MA of 831.38, indicating a neutral trend. The MACD of -32.31 indicates Positive momentum. The RSI at 28.69 is Positive, neither overbought nor oversold. The STOCH value of 12.15 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:WISE.
Wise PLC Class A Peers Comparison
Overall Rating
UnderperformOutperform
Sector (59)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | £13.30B | 22.24 | 45.06% | ― | 34.39% | 94.35% | |
74 Outperform | £1.46B | 8.35 | 13.14% | 5.47% | 27.88% | 28.92% | |
74 Outperform | £1.06B | 13.21 | 35.03% | 6.15% | 1.64% | 10.85% | |
71 Outperform | £3.29B | 9.59 | 19.85% | 4.96% | 6.34% | 30.64% | |
68 Neutral | £443.84M | 11.30 | 37.39% | 6.18% | 43.88% | 28.50% | |
59 Neutral | $22.39B | 11.53 | -18.05% | 2.31% | 5.00% | -25.89% |
* Technology Sector Average
Performance Comparison
GB:WISE
Wise PLC Class A
934.00
36.40
4.06%
GB:PAG
Paragon Banking Group PLC
739.00
106.16
16.78%
GB:PAY
Paypoint
625.00
162.35
35.09%
GB:IGG
IG Group Holdings
936.50
265.05
39.47%
GB:MONY
Moneysupermarket.com
198.40
-27.69
-12.25%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.