Wise plc (WISE) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Wise plc stock £10.01, price £8.25, upside +21.3%, quality 65 out of 100. Rating: undervalued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range £2.97 – £11.60 · fair‑value band £6.52 – £16.94 · the £8.25 price screens below the £10.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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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.
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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.
Stock analysis
Wise plc (WISE) currently trades at £8.25, while our model-based Fair Value estimate is £10.01, implying the stock looks roughly 18% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of £14.60 per share, and 16 of the 24 models we run sit above the £8.25 price.
Bear case: the Economic Profit group reads lowest at £2.31, and 8 of the 24 models stay below the price. Data coverage for this calculation is medium.
Scenario range: £6.52 (bear) to £16.94 (bull), the price of £8.25 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Wise plc reported revenue of $2.0B in FY2026 versus $560M in FY2022, a compound +38.3%/yr. Reported net income was $377M in FY2026, compounding +84.0%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.
Key figures
Market cap £8.1B Large · P/E ratio 22.9 · P/S ratio 4.22 · EPS (TTM) £0.3600 · Net margin 18.4% · Return on equity 27.2% · Return on assets (EBIT) 2.0% · Operating margin 59.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 78 out of 100 (medium confidence).
What moves the price
The share trades about 24% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at 20% fair-value upside, at 21%, WISE screens cheaper than that median.
Fair Value models
Bear£6.52Fair Value £10.01Bull£16.94
Price £8.25 · Upside +21.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (£0.2170 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+13.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+37.2%
Start year 2021 (pandemic). Over 10 years: +53.7% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+78.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+65.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+65.4%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.73.6% vs 40.5%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.11% → 22%
AI conclusion: Wise shows moderate efficiency advantages from its payment model but lacks strong evidence of durable competitive edges across key factors.
Main risk: Rivals such as Revolut, Airwallex and Remitly could capture customers in cross-border payments with broader services or integrated stacks, pressuring Wise's take rates and volumes.
Bull case: Wise could leverage its low-cost infrastructure and platform partnerships to integrate with agentic AI tools that automatically select the cheapest rails, accelerating B2B adoption and reinforcing its cost advantage.
Bear case: If rivals erode volumes and regulators impose further restrictions or higher compliance burdens, Wise's low-cost model could face sustained margin pressure and slower growth in core markets.
Wise is deepening its Wise Platform with new bank partnerships like the recent one with OakNorth to power instant international payments for UK small businesses. This accelerates the move toward institutional volumes that could become a larger part of cross-border flows. Regulatory scrutiny in Europe continues alongside these steps. Will the platform growth reinforce the low-cost model more than compliance demands weigh on it?
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Information Technology Services · 480 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score65 · Above median
Fair Value upside+21.3% · Above median
Profitability
Return on equity (12 months)27.2% · Top 25%
Return on assets1.5% · Below median
Net margin (12 months)19.9% · Top 25%
Operating margin (12 months)59.8% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)26.8% · Top 25%
Balance sheet
Debt / equity0.23× · Above median
Valuation Multiplesvs Information Technology Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Wise plc Fair Value". https://www.fairvalue-calculator.com/stock/WISE
Frequently asked questions
Is Wise plc (WISE) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of £10.01 versus a price of £8.25, about +21% upside (undervalued).
What is the fair value of WISE?
Our model-based fair value for Wise plc is £10.01 (as of Nov 5, 2026), built from audited fundamentals. The current price: £8.25.
What is the quality score of WISE?
Wise plc has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Wise plc (WISE)?
Our model-based price target is the fair value of £10.01 (as of Nov 5, 2026) from 24 valuation models. Cautious scenario £6.52, optimistic scenario £16.94. It is a calculation from audited fundamentals, not an analyst target.
What is the Wise plc stock forecast for 2026?
Our models put fair value at £10.01, about +21% upside versus a price of £8.25 (undervalued). Cautious scenario £6.52, optimistic scenario £16.94. The calculation is refreshed regularly with new filings.
What is the revenue of Wise plc (WISE)?
Wise plc reported trailing-twelve-month revenue of about $2.5B (latest available figure, as of Nov 5, 2026).
What is the intrinsic value of Wise plc (WISE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Wise plc it is £10.01 per share (as of Nov 5, 2026), against a price of £8.25. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Wise plc stock overvalued or undervalued in 2026?
As of Nov 5, 2026, WISE trades below its calculated fair value: price £8.25, fair value £10.01, a gap of about +21% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WISE?
No. The price is what the market pays today (£8.25); the fair value is what the company's own numbers justify (£10.01). For Wise plc the two are £1.76 per share apart. That gap is exactly why we show both numbers side by side.
How much is Wise plc worth?
The market values Wise plc at about £8.1B (market capitalisation, as of Nov 5, 2026). Per share that is £8.25; our models calculate a fair value of £10.01 per share.
What do the bullish and bearish scenarios say about WISE?
Our models span a range for Wise plc: cautious scenario £6.52, base £10.01, optimistic £16.94 per share (as of Nov 5, 2026, price £8.25). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WISE?
Wise plc trades at a price-to-earnings ratio of 22.9 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £10.01 is built from several models across several years. Other multiples: PEG 4.5, P/B 7.5, P/S 4.3.
What is the PEG ratio of WISE?
The PEG ratio of Wise plc is 4.48 (P/E divided by earnings growth, as of Nov 5, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Wise plc (WISE)?
Balance-sheet figures for Wise plc (as of Nov 5, 2026): return on equity 27.2%, debt of 0.23 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is WISE from its 52-week high?
Wise plc trades at £8.25, about 24% below its 52-week high of £10.91 and 6% above the low of £7.82 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of £10.01 is for.
Which stocks are comparable to Wise plc?
From the same area (Technology) we also value International Business Machines Corporation, Accenture plc, Tata Consultancy Services Limited, Infosys Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Wise plc stock attractive at the current price?
The data as of Nov 5, 2026: price £8.25, calculated fair value £10.01 (+21%), Quality Score 65/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WISE calculated?
We run Wise plc through 24 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £10.01, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Wise plc currently trades 18% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Wise plc (WISE)?
The closing price on Nov 5, 2026 was £8.25. Our model-based fair value is £10.01, about +21% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Wise plc right now?
Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (£6.52 to £16.94) leaves room in how you read the outcome.
Key figures of Wise plc
How large is the market capitalisation of Wise plc (WISE)?
The market capitalisation of Wise plc is £8.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Wise plc (WISE)?
The price-to-sales ratio of Wise plc is 4.22 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Wise plc (WISE)?
Earnings per share at Wise plc are £0.3600 (price ÷ EPS = P/E 22.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Wise plc (WISE)?
The net margin of Wise plc is 18.4% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Wise plc (WISE)?
The return on equity (ROE) of Wise plc is 27.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Wise plc (WISE)?
On an EBIT basis the return on assets of Wise plc is 2.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Wise plc (WISE)?
The operating margin of Wise plc is 59.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Wise plc (WISE)?
Revenue at Wise plc is growing +26.8% versus a year earlier (3y avg +27.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Wise plc (WISE)?
Earnings per share at Wise plc are growing −4.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Wise plc (WISE) generate?
The free cash flow of Wise plc is $5.7B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Wise plc (WISE) hold?
Wise plc holds more cash than debt, $20.7B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Nov 5, 2026