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Wise plc (WPLCF) fair value: what the stock is really worth
As of Jul 10, 2026: fair value of Wise plc $27.81, price $12.87, upside +116.1%, quality 64 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Broad data
Oct 3, 2026
Broad data
Oct 3, 2026
Wise plc
WPLCF · USClearly undervaluedStrong Fair Value upside, but quality is only moderate.
✓Fair value $27.81 · Strongly undervalued (+116.1%)
✓Quality 64/100
✓Healthy Growth (revenue 5y +42.9 %/yr)
✓Highly profitable · 22.5% net margin (TTM)
✓Low debt · generates free cash flow
✓Wide moat 78/100
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range $3.55 – $15.92 · fair‑value band $19.47 – $36.16 · the $12.87 price screens below the $27.81 fair value. Dashed = 300-day average. As of Oct 3, 2026.
Company profile
Wise 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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Wise 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. Its product portfolio includes international money transfer, wise account, international debit card, receive money, amount transfer, wise platform, business debit card, and mass payment services. The company was formerly known as 456 Newco plc and changed its name to Wise plc in June 2021. Wise plc was founded in 2010 and is based in London, the United Kingdom.
Stock analysis
Wise plc (WPLCF) currently trades at $12.87, while our model-based Fair Value estimate is $27.81, implying the stock looks roughly 53.7% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $196.63 per share, and 19 of the 23 models we run sit above the $12.87 price.
Bear case: the Economic Profit group reads lowest at $5.50, and 4 of the 23 models stay below the price. Evidence for this calculation is high.
Scenario range: $19.47 (bear) to $36.16 (bull), the price of $12.87 sits below 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 64/100 (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 £1.8B in FY2025 versus £421M in FY2021, a compound +43.9%/yr. Reported net income was £417M in FY2025, compounding +91.6%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap $13.5B · P/E ratio 25.7 · P/S ratio 5.94 · EPS (TTM) $0.5000 · Net margin 23.1% · Return on equity 29.7% · Return on assets (EBIT) 1.9% · Operating margin 27.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 44% fair-value upside, at 116%, WPLCF screens cheaper than that median.
Fair Value models
Bear $19.47
Fair Value $27.81
Bull $36.16
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($0.5000 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.
Evidence ⓘEvidence = 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.
Highest evidence
EPV
$16.13
$17.04
$17.83
74
FCF DCF
$110.29
$167.41
$349.30
73
5Y EBITDA Exit
$46.02
$59.13
$84.30
73
All 23 models by family
DCF Models
FCF DCF
$110.29
$167.41
$349.30
73
Owner Earnings
$19.23
$30.13
$53.00
72
5Y Revenue Exit
$43.60
$54.24
$75.38
71
5Y EBITDA Exit
$46.02
$59.13
$84.30
73
5Y P/E Exit
$46.70
$70.45
$99.25
68
10Y Revenue Exit
$63.19
$94.82
$105.17
66
10Y EBITDA Exit
$65.27
$100.03
$150.28
66
10Y P/E Exit
$65.76
$101.49
$151.98
61
Earnings-Based
Graham-Dodd
$3.75
$26.16
$36.71
61
Lynch FV
$13.51
$19.31
$25.10
59
PEG = 1.0
$13.51
$19.31
$25.10
55
EPV
$16.13
$17.04
$17.83
74
Multiples
P/E Multiple
$11.58
$15.44
$19.31
63
P/S Multiple
$7.03
$9.38
$11.72
58
P/B Multiple
$7.03
$9.38
$11.72
55
EV/EBIT
$24.50
$29.10
$33.71
66
EV/EBITDA
$21.38
$24.94
$28.50
67
EV/Revenue
$17.67
$20.67
$23.66
54
Asset-Based
NCAV (Graham)
$0.9200
$1.23
$1.83
54
Growth DCF
Growth DCF
$104.37
$196.63
$347.80
73
Economic Profit
Residual Income
$3.67
$5.50
$13.13
61
ROIC Compounder
$16.13
$17.04
$17.83
70
Growth Earnings
Growth-Adj P/E
$19.51
$27.88
$36.24
65
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Set up alert →Quality Score breakdown
Overall quality
64/100
Of which business quality 63 · Market factors (momentum, volatility) 46
Profitability
47
Margins and returns on capital today
Quality Growth
42
Are margins and returns improving?
Cashflow
100
Earnings quality: real cash, not paper profit
Fin. Strength
59
Balance sheet, leverage, solvency risk
Investment
33
Disciplined investing over empire-building
Low Volatility
65
Calm price path (market factor)
Momentum
41
Price trend over the last 3–12 months (market factor)
52W Momentum
33
Distance to the 52-week high (market factor)
Net Issuance
81
Share count: buybacks or dilution?
Revenue & earnings trend
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
+27.9%
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.
+47.4%
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.
+42.9%
Start year 2020 (pandemic). Over 10 years: +68.6% a year
Revenue growth 11 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.
+86.4%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+89.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+89.8%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘ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.8% → 32%
2025 sits 263% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+8.5%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in GBP, UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about +6.1% a year for the forecasts.
Forecast 2026 (sales)+9.7%
Forecast 2027 (sales)+9.7%
Projected 2028 (sales)+8.7%
Projected 2029 (sales)+7.8%
Projected 2030 (sales)+6.8%
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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 · 458 stocks
Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation Multiplesvs Information Technology Services median · lower = cheaper
Context: sector, industry, market
- Is the Information Technology sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Information Technology Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| International Business Machines Corporation IBM | $219.93 | $186.56 | −15% |
| Accenture plc ACN | $183.37 | $305.06 | +66% |
| Tata Consultancy Services Limited TCS | ₹2,082 | ₹2,993 | +44% |
| Infosys Limited INFY | ₹994.10 | ₹1,691 | +70% |
| HCL Technologies Limited HCLTECH | ₹1,243 | ₹1,926 | +55% |
| Cognizant Technology Solutions Corporation CTSH | $56.84 | $138.62 | +144% |
| Amadeus IT Group AMS | €52.80 | €65.98 | +25% |
| Broadridge Financial Solutions, Inc BR | $161.15 | $159.88 | −1% |
| Fidelity National Information Services, Inc FIS | $33.35 | $32.72 | −2% |
| CDW Corporation CDW | $129.71 | $165.54 | +28% |
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Frequently asked questions
Is Wise plc (WPLCF) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $27.81 versus the last price from Jul 10, 2026 of $12.87, about +116% upside (undervalued).
What is the fair value of WPLCF?
Our model-based fair value for Wise plc is $27.81 (as of Oct 3, 2026), built from audited fundamentals. Last price (from Jul 10, 2026): $12.87.
What is the quality score of WPLCF?
Wise plc has a Quality Score of 64/100. 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 (WPLCF)?
Our model-based price target is the fair value of $27.81 (as of Oct 3, 2026) from 23 valuation models. Cautious scenario $19.47, optimistic scenario $36.16. 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 $27.81, about +116% upside versus the last price from Jul 10, 2026 of $12.87 (undervalued). Cautious scenario $19.47, optimistic scenario $36.16. The calculation is refreshed regularly with new filings.
What is the revenue of Wise plc (WPLCF)?
Wise plc reported trailing-twelve-month revenue of about £1.7B (latest available figure, as of Oct 3, 2026).
What growth is priced into Wise plc (WPLCF)?
For today's price to be fair in a discounted-cash-flow model, Wise plc would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 8.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +43.0 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of WPLCF use?
Our models discount Wise plc at 8.2 %: a base by market capitalisation (large), damped by beta 0.54, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Wise plc that is less than minus 40 % per year a year over ten years, using the same discount rate (8.2 %) and the same formula as our fair value.
How much growth has Wise plc (WPLCF) delivered so far?
Over the past 5 years revenue at Wise plc grew +43.0 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Wise plc (WPLCF) growing?
The median revenue growth in the sector is +10.0 % a year. That is the yardstick for the growth priced into Wise plc (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Wise plc (WPLCF)?
The free-cash-flow yield on the price is 43.74 %: that much free cash flow Wise plc produces per unit of market value. When it exceeds the discount rate of our models (8.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Wise plc (WPLCF)?
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 $27.81 per share (as of Oct 3, 2026), against a price of $12.87. It is the blended result of 23 valuation models (cash flow, earnings, asset, dividend).
Is Wise plc stock overvalued or undervalued in 2026?
As of Oct 3, 2026, WPLCF trades below its calculated fair value: price $12.87, fair value $27.81, a gap of about +116% (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 WPLCF?
No. The price is what the market pays today ($12.87); the fair value is what the company's own numbers justify ($27.81). For Wise plc the two are $14.94 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 $13.5B (market capitalisation, as of Oct 3, 2026). Per share that is $12.87; our models calculate a fair value of $27.81 per share.
What do the bullish and bearish scenarios say about WPLCF?
Our models span a range for Wise plc: cautious scenario $19.47, base $27.81, optimistic $36.16 per share (as of Oct 3, 2026, price $12.87). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WPLCF?
Wise plc trades at a price-to-earnings ratio of 25.7 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $27.81 is built from several models across several years. Other multiples: PEG 4.1, P/B 9.2, P/S 7.4, EV/EBITDA 9.0.
What is the PEG ratio of WPLCF?
The PEG ratio of Wise plc is 4.14 (P/E divided by earnings growth, as of Oct 3, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Wise plc (WPLCF)?
Balance-sheet figures for Wise plc (as of Oct 3, 2026): return on equity 29.7%, debt of 0.07 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is WPLCF from its 52-week high?
Wise plc trades at $12.87, about 19% below its 52-week high of $15.92 and 24% above the low of $10.40 (as of Jul 10, 2026). Distance from the high says nothing about value: that is what the fair value of $27.81 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 Oct 3, 2026: price $12.87, calculated fair value $27.81 (+116%), Quality Score 64/100, from 23 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 WPLCF calculated?
We run Wise plc through 23 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 $27.81, 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 14.5 % above its aggregate fair value. Wise plc currently trades 54 % 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 (WPLCF)?
The latest price we hold is from Jul 10, 2026 and stands at $12.87. Our model-based fair value is $27.81, about +116% 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?
The price is below even our cautious bear case ($19.47). The market is more pessimistic than our downside scenario. Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($19.47 to $36.16) leaves room in how you read the outcome.
Key figures of Wise plc
How large is the market capitalisation of Wise plc (WPLCF)?
The market capitalisation of Wise plc is $13.5B. 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 (WPLCF)?
The price-to-sales ratio of Wise plc is 5.94 (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 (WPLCF)?
Earnings per share at Wise plc are $0.5000 (price ÷ EPS = P/E 25.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Wise plc (WPLCF)?
The net margin of Wise plc is 23.1% (fiscal year 2025). 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 (WPLCF)?
The return on equity (ROE) of Wise plc is 29.7% (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 (WPLCF)?
On an EBIT basis the return on assets of Wise plc is 1.9% (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 (WPLCF)?
The operating margin of Wise plc is 27.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Wise plc (WPLCF)?
Revenue at Wise plc is growing +9.2% versus a year earlier (3y avg +47.4%). 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 (WPLCF)?
Earnings per share at Wise plc are growing −13.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Wise plc (WPLCF) hold?
Wise plc holds more cash than debt, £8.0B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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