Wise Group plc Class A (WSE) AI Stock Analysis

Wise Group plc provides cross-border and domestic financial services across the United Kingdom, Europe, the Asia-Pacific, North America, and internationally. Its operations center on money transfers, currency conversions, and multi-currency account services. The core Wise Account allows individual consumers to send, spend, hold, and receive funds in multiple currencies. For corporate clients, Wise Business adds features such as accounting integrations and accounts payable and receivable management. In addition, Wise Platform provides a global payment infrastructure that enables banks, financial institutions, and enterprise partners to integrate cross-border payment capabilities directly into their own platforms.

Wise delivered a 5-year revenue CAGR of 37.2% from FY2021 to FY2026. Annual revenue expanded from $563.8M in FY2022 to $986.3M in FY2023, $1.41B in FY2024, $1.81B in FY2025, and $2.05B in FY2026, reflecting 13.4% growth in the latest fiscal year. Operating margin was 22.2% in FY2026, down from 32.1% in FY2025, while net margin contracted to 18.4% as research and development expense rose to $434.3M. In the latest quarter ended March 31, 2026, quarterly revenue grew 26.8% year-over-year, while quarterly earnings growth declined 4.5%. Trailing twelve months revenue reached $2.50B with an operating margin of 59.8% and a net profit margin of 19.9%.

As of March 31, 2026, Wise held $24.50B in cash and short-term investments against $365.9M in total debt, resulting in net cash of $24.13B. Total assets stood at $25.16B versus shareholders' equity of $1.46B, supported by a current ratio of 1467.09 and a debt-to-equity ratio of 0.25. In FY2026, operating cash flow reached $5.71B and free cash flow was $5.70B. Capital expenditures totaled $14.8M, while share buybacks absorbed $358.1M, contributing to a 5-year share count change of -24.4%.

Wise trades at a trailing price-to-earnings multiple of 22.9x, which is below the 28.1x median of its US-listed Technology peers. However, its forward P/E of 21.4x and price-to-sales ratio of 4.3x both trade at premiums to the peer medians of 18.8x and 2.8x, respectively. The stock carries a price-to-book ratio of 5.8x and a PEG ratio of 4.43, with a beta of 1.42. Shares closed at $10.98 on October 16, 2026, within a 52-week range of $10.36 to $17.47, while the broader market benchmark S&P 500 returned 16.8% over the past year.

Wall Street coverage includes 9 Strong Buy, 3 Buy, and 1 Hold recommendations, with 0 Sell or Strong Sell ratings. The mean price target is $16.98, representing 54.6% upside compared to the last close of $10.98. For the current fiscal year ending March 31, 2027, analysts estimate EPS of $0.57 on revenue of $2.23B, implying 17.3% EPS growth. For the next fiscal year, 12 analysts project revenue of $2.64B and EPS of $0.70. The next earnings date is scheduled for November 5, 2026.

This page is an AI-written research summary of Wise Group plc Class A (WSE). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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