Wise Group plc Class A (WSE) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Wise Group plc Class A stock $12.61, price $11.15, upside +13.1%, quality 70 out of 100. Rating: undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
7‑month range $10.40 – $15.40 · fair‑value band $6.78 – $21.82 · the $11.15 price screens below the $12.61 fair value. As of Nov 8, 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 Group plc Class A (WSE) currently trades at $11.15, while our model-based Fair Value estimate is $12.61, implying the stock looks roughly 12% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of $16.10 per share, and 6 of the 11 models we run sit above the $11.15 price.
Bear case: the Economic Profit group reads lowest at $3.18, and 5 of the 11 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $6.78 (bear) to $21.82 (bull), the price of $11.15 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 70/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Wise Group plc Class A Ordinary Shares reported revenue of £2.0B in FY2026 versus £564M in FY2022, a compound +38.1%/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 $10.8B Large · P/E ratio 23.2 · P/S ratio 4.30 · EPS (TTM) $0.4800 · Net margin 19.9% · Return on equity 27.2% · Return on assets (EBIT) 2.0% (5-year average) · Operating margin 59.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 76 out of 100 (low confidence).
What moves the price
For context, the median of 10 Technology peers we cover trades at 20% fair-value upside, at 13%, WSE screens richer than that median.
Fair Value models
Bear$6.78Fair Value $12.61Bull$21.82
Price $11.15 · Upside +13.1%
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 ($0.2933 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.
Plus 5 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
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: adjusted.
+84.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+84.6%
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.74.4% 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%
News mood ⓘNews mood, the average tone of recent news (46 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
AI conclusion: High margins and ROE indicate strong efficiency as the main strength, while low ROA together with absent qualitative data blocks any conclusion on a durable moat.
Main risk: Ongoing AML deficiencies and investigations might lead regulators to deny or restrict licences, limiting access to US payment systems and raising compliance costs for transfers and cards.
Bull case: Wise could strengthen its compliance infrastructure with advanced machine learning to satisfy regulators and secure US access while leveraging its cost advantage to retain business customers against rivals.
Bear case: Persistent regulatory hurdles might confine Wise to partner banks in key markets and allow Revolut to siphon UK volumes, forcing sustained price cuts that compress margins on traditional transfers.
Wise is shifting more of its revenue toward cards and business customers even as it lowers prices on core transfers to strengthen its competitive edge. Our models see the shares as undervalued. Does this diversification build a stronger network that protects long-term returns, or does the reinvestment into lower prices mainly compress margins on the traditional business?
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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 · 479 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score70 · Top 25%
Fair Value upside+13.1% · 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
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Cite: Fair Value Calculator (2026). "Wise Group plc Class A Ordinary Shares Fair Value". https://www.fairvalue-calculator.com/stock/WSE
Frequently asked questions
Is Wise Group plc Class A (WSE) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $12.61 versus a price of $11.15, about +13% upside (undervalued).
What is the fair value of WSE?
Our model-based fair value for Wise Group plc Class A is $12.61 (as of Nov 8, 2026), built from audited fundamentals. The current price: $11.15.
What is the quality score of WSE?
Wise Group plc Class A has a Quality Score of 70/100. 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 Group plc Class A (WSE)?
Our model-based price target is the fair value of $12.61 (as of Nov 8, 2026) from 11 valuation models. Cautious scenario $6.78, optimistic scenario $21.82. It is a calculation from audited fundamentals, not an analyst target.
What is the Wise Group plc Class A Ordinary Shares stock forecast for 2026?
Our models put fair value at $12.61, about +13% upside versus a price of $11.15 (undervalued). Cautious scenario $6.78, optimistic scenario $21.82. The calculation is refreshed regularly with new filings.
What is the revenue of Wise Group plc Class A (WSE)?
Wise Group plc Class A reported trailing-twelve-month revenue of about $2.5B (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Wise Group plc Class A (WSE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Wise Group plc Class A it is $12.61 per share (as of Nov 8, 2026), against a price of $11.15. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Wise Group plc Class A Ordinary Shares stock overvalued or undervalued in 2026?
As of Nov 8, 2026, WSE trades below its calculated fair value: price $11.15, fair value $12.61, a gap of about +13% (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 WSE?
No. The price is what the market pays today ($11.15); the fair value is what the company's own numbers justify ($12.61). For Wise Group plc Class A the two are $1.46 per share apart. That gap is exactly why we show both numbers side by side.
How much is Wise Group plc Class A Ordinary Shares worth?
The market values Wise Group plc Class A at about $10.8B (market capitalisation, as of Nov 8, 2026). Per share that is $11.15; our models calculate a fair value of $12.61 per share.
What do the bullish and bearish scenarios say about WSE?
Our models span a range for Wise Group plc Class A: cautious scenario $6.78, base $12.61, optimistic $21.82 per share (as of Nov 8, 2026, price $11.15). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WSE?
Wise Group plc Class A trades at a price-to-earnings ratio of 23.2 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.61 is built from several models across several years. Excluding one-off items of fiscal year 2026 it is 17.4 (reported 23.2). Other multiples: PEG 4.5, P/B 7.4, P/S 4.3.
What is the PEG ratio of WSE?
The PEG ratio of Wise Group plc Class A is 4.46 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Wise Group plc Class A (WSE)?
Balance-sheet figures for Wise Group plc Class A (as of Nov 8, 2026): return on equity 27.2%, debt of 0.23 per unit of equity. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
Which stocks are comparable to Wise Group plc Class A Ordinary Shares?
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 Group plc Class A Ordinary Shares stock attractive at the current price?
The data as of Nov 8, 2026: price $11.15, calculated fair value $12.61 (+13%), Quality Score 70/100, from 11 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 WSE calculated?
We run Wise Group plc Class A through 11 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $12.61 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Wise Group plc Class A currently trades 12% 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 Group plc Class A (WSE)?
The closing price on Nov 6, 2026 was $11.15. Our model-based fair value is $12.61, about +13% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Wise Group plc Class A Ordinary Shares right now?
The model range is unusually wide ($6.78 to $21.82). 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.
Key figures of Wise Group plc Class A
How large is the market capitalisation of Wise Group plc Class A (WSE)?
The market capitalisation of Wise Group plc Class A is $10.8B. 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 Group plc Class A (WSE)?
The price-to-sales ratio of Wise Group plc Class A is 4.30 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Wise Group plc Class A (WSE)?
Earnings per share at Wise Group plc Class A are $0.4800 (price ÷ EPS = P/E 23.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Wise Group plc Class A (WSE)?
The net margin of Wise Group plc Class A is 19.9% (last twelve months). 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 Group plc Class A (WSE)?
The return on equity (ROE) of Wise Group plc Class A 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 Group plc Class A (WSE)?
On an EBIT basis the return on assets of Wise Group plc Class A 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 Group plc Class A (WSE)?
The operating margin of Wise Group plc Class A 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 Group plc Class A (WSE)?
Revenue at Wise Group plc Class A 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 Group plc Class A (WSE)?
Earnings per share at Wise Group plc Class A 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 Group plc Class A (WSE) generate?
The free cash flow of Wise Group plc Class A 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 Group plc Class A (WSE) hold?
Wise Group plc Class A 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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