Wise plc (WISE) Fair Value & Analysis
Technology · GB · Market cap 9.4B GBX · ISIN GB00BL9YR756
What is Wise plc really worth?
A solid business, trading 12% below our fair value of £10.70.
Strengths
Risks
Fair value as of: Sep 2, 2026
From 23 valuation models · updated 2 days ago
Share price +4.6% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The model range is unusually wide (£8.02 to £22.88). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- The price sits in the lower half of our model range, the side with the larger margin of safety.
- Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 2, 2026.
How to read this chart
60‑month range £2.97 – £11.60 · fair‑value band £8.02 – £22.88 · the £9.43 price screens below the £10.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 2, 2026.
Analysis
Wise plc (WISE) currently trades at £9.43, while our model-based Fair Value estimate is £10.70, implying the stock looks roughly 11.8% undervalued today. The Quality Score stands at 64/100 (solid quality), in the Technology sector. Bull case: the DCF Models group reads highest at a median of £72.25 per share, and 19 of the 23 models we run sit above the £9.43 price. Bear case: the Economic Profit group reads lowest at £3.43, and 4 of the 23 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Wise plc generated revenue of £1.7B at a net margin of 22.5%. Revenue grew 9.2% year over year. It earns a return on equity of 29.7%. The balance sheet holds a net cash position of £20.7B. Fundamentals as of Sep 2, 2026
Our scenario range runs from £8.02 (bear case) to £22.88 (bull case); at £9.43, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Technology peers we cover trades at 69% fair-value upside, at 13%, WISE screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly £0.1592 per share, which is 1.5 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 23 models by family
Widest divergence: Growth DCF (£185.29) versus Asset-Based (£0.9900). Highest evidence: FCF DCF (75).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 48
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Wise Group plc provides cross-border and domestic financial services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally. It offers international money transfer, wise account, international debit card, wise platform, business debit card, and mass payment services.
Full company description
Wise Group plc provides cross-border and domestic financial services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally. It offers international money transfer, wise account, international debit card, wise platform, business debit card, and mass payment services. Wise Group plc was founded in 2010 and is based in London, the United Kingdom.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Wise plc reported revenue of 2.0B GBX in FY2026 versus 560M GBX in FY2022, a compound +38.3%/yr. Reported net income was 377M GBX in FY2026, compounding +84.0%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.
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Peer Group
Information Technology Services · 486 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Information Technology Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Information Technology Services stocks, each showing price versus our Fair Value estimate (as of Sep 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| International Business Machines Corporation IBM | $235.59 | $175.76 | −25% |
| Accenture plc ACN | $189.61 | $334.27 | +76% |
| Tata Consultancy Services Limited TCS | ₹2,302 | ₹3,473 | +51% |
| Infosys Limited INFY | ₹1,156 | ₹1,958 | +69% |
| HCL Technologies Limited HCLTECH | ₹1,282 | ₹1,722 | +34% |
| Fiserv, Inc FI | C$5.13 | C$8.07 | +57% |
| Wipro Limited WIT | $1.83 | $3.51 | +92% |
| Fidelity National Information Services, Inc FIS | $41.34 | $19.28 | −53% |
| Cognizant Technology Solutions Corporation CTSH | $64.04 | $132.01 | +106% |
| Capgemini SE CAP | €109.45 | €222.79 | +104% |
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