olivLaw · European equity research
Wise PLC WISE.L
United Kingdom · London Stock Exchange · Vertical: Listed companies from United Kingdom
At the close of 05 Nov 2026, Wise PLC (WISE.L) stock was 8.25 GBP (−2.99% on the day), with market capitalisation 8.5 bn GBP, P/E 20.8 on diluted EPS of 0.40 GBP over the last 12 months, beta 0.62, 52-week range 7.82–10.91 GBP.
Data as of · Source: ESEF annual reports and closing prices, computed by olivLaw.
Price history
Loading chart…
Technical reading
- RSI (14)
- 44.3
- weak (30–45)
- Bollinger (20, 2)
- 7.65 – 9.22
- in the lower half of the band · %B 0.38 · band width 18.6%
- SMA 50 / 200
- 8.73 / 9.12
- downtrend (price < SMA50 < SMA200)
- MACD (12, 26, 9)
- -0.15 / -0.17
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | EURO STOXX 50 | vs EURO STOXX 50 | Vertical median | |
|---|---|---|---|---|
| 1 month | −6.7% | −0.6% | −6.0 pp | — |
| 3 months | −9.9% | −4.2% | −5.7 pp | — |
| 6 months | −22.0% | +4.3% | −26.3 pp | — |
| Year to date | −7.4% | +7.5% | −14.9 pp | — |
| 1 year | −13.2% | +9.9% | −23.1 pp | +5.8% |
| 3 years | +22.7% | +49.8% | −27.1 pp | +26.3% |
| 5 years | −0.8% | +42.8% | −43.6 pp | — |
Price returns, dividends excluded.
Quarterly results
ESEF annual reports carry no quarters: the results are annual (below).
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 0 percentile of its own 3-quarter history (min 23.8, median 27.5, max 49.7; quarters with earnings only).
Fiscal years
| Fiscal year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 846.1 m | 1.1 bn | 1.2 bn |
| Revenue YoY | unavailable | +24.3% | +15.2% |
| Net income | 114.0 m | 354.6 m | 416.7 m |
| Net income YoY | unavailable | +211.1% | +17.5% |
| Diluted EPS | 0.11 | 0.34 | 0.40 |
| Diluted EPS YoY | unavailable | +208.3% | +17.8% |
| net % | 13.5% | 33.7% | 34.4% |
| Free cash flow | 3.9 bn | 3.2 bn | 4.5 bn |
Balance sheet & financial health
Fiscal year 2025 · 31 Mar 2025
- Cash
- 14.0 bn GBP
- Financial debt
- 99.4 m GBP
- Net debt
- -13.9 bn GBP
- Equity
- 1.4 bn GBP
- Total assets
- 19.2 bn GBP
- Debt / equity
- 0.07x
- Current ratio
- 1.08x
- ROE
- 35.2%
- ROA
- 2.4%
- FCF margin
- 368.0%
Financial statements (source on every figure)
Revenue and net income (GBP)
Margins
Income statement · GBP
| Line | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|
| Revenue | 846.1 m | 1.1 bn | 1.2 bn | esef· 24 Jun 2025verified |
| Cost of revenue | 308.2 m | 307.4 m | 328.1 m | esef· 24 Jun 2025verified |
| Gross profit | 638.2 m | 1.1 bn | 1.3 bn | esef· 24 Jun 2025verified |
| Operating income | 157.2 m | 501.9 m | 579.6 m | esef· 24 Jun 2025verified |
| Interest expense | 10.7 m | 20.5 m | 15.5 m | esef· 24 Jun 2025verified |
| Pre-tax income | 146.5 m | 481.4 m | 564.8 m | esef· 24 Jun 2025verified |
| Income tax | 32.5 m | 126.8 m | 148.1 m | esef· 24 Jun 2025verified |
| Net income | 114.0 m | 354.6 m | 416.7 m | esef· 24 Jun 2025verified |
| Diluted EPS | 0.11 | 0.34 | 0.40 | esef· 24 Jun 2025verified |
Balance sheet · GBP
| Line | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|
| Cash | 7.7 bn | 10.5 bn | 14.0 bn | esef· 24 Jun 2025verified |
| Receivables | 250.0 m | 442.8 m | 347.6 m | esef· 24 Jun 2025verified |
| Current assets | 11.7 bn | 15.0 bn | 19.0 bn | esef· 24 Jun 2025verified |
| Property, plant & equipment, net | 21.1 m | 34.3 m | 115.9 m | esef· 24 Jun 2025verified |
| Total assets | 11.9 bn | 15.1 bn | 19.2 bn | esef· 24 Jun 2025verified |
| Short-term debt | 256.6 m | 4.3 m | 1.3 m | esef· 24 Jun 2025verified |
| Long-term debt | 7.8 m | 198.4 m | 98.1 m | esef· 24 Jun 2025verified |
| Current liabilities | 11.3 bn | 13.9 bn | 17.6 bn | esef· 24 Jun 2025verified |
| Total liabilities | 11.3 bn | 14.2 bn | 17.9 bn | esef· 24 Jun 2025verified |
| Equity | 576.9 m | 979.9 m | 1.4 bn | esef· 24 Jun 2025verified |
| Shares outstanding at year end | 1.0 bn | 1.0 bn | 1.0 bn | esef· 24 Jun 2025derived |
Cash flow · GBP
| Line | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|
| Operating cash flow | 3.9 bn | 3.2 bn | 4.5 bn | esef· 24 Jun 2025verified |
| Capex | 3.6 m | 10.6 m | 34.5 m | esef· 24 Jun 2025verified |
| Free cash flow | 3.9 bn ≈ | 3.2 bn ≈ | 4.5 bn ≈ | esef· 24 Jun 2025derived |
| Investing cash flow | -2.6 bn | -142.6 m | -598.4 m | esef· 24 Jun 2025verified |
| Financing cash flow | 153.9 m | -125.6 m | -181.3 m | esef· 24 Jun 2025verified |
| Share repurchases | 10.1 m | 68.4 m | 72.6 m | esef· 24 Jun 2025verified |
≈ computed by olivLaw from the reported lines of the same year: Operating cash flow − Capex.
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
- score weight coverage: 47.9% of at least 60%
A scoring methodology on indicators and valuation, not investment advice.
Closing price
05 Nov 2026Source: olivLaw, closing series
Market cap: 8.5 bn GBP
Key indicators
Coverage and freshness
The data is older than the freshness threshold.
Score by group
48% · Insufficient data
Estimated value range
unavailable — no valuation assumptions for the reporting currency
Valuation assumptions are editorial choices, not measured; beta is not measured.
Valuation methods
Assumptions (illustrative, editorial)
- Risk-free rate
- 6.5%
- Equity risk premium
- 6.0%
- Beta (default)
- 1.00
- Cost of equity
- 12.5%
- Terminal growth
- 3.0%
Factor scorecard
Insufficient data
Minimum-evidence gate: score weight coverage: 47.9% of at least 60%
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | unavailable | unavailable | — |
| Net margin · Quality | 34.4% | 89 (vs peers) | 13% |
| FCF conversion · Quality | 1,070.3% | 100 (on a fixed band) | 13% |
| Revenue CAGR 3Y · Growth | unavailable | unavailable | — |
| EPS CAGR 3Y · Growth | unavailable | unavailable | — |
| Net debt / EBITDA · Balance sheet | unavailable | unavailable | — |
| Interest coverage · Balance sheet | 37.4x | 100 (on a fixed band) | 13% |
| Current ratio · Balance sheet | 1.1x | 23 (on a fixed band) | 9% |
| P/E (TTM) · Valuation | 20.8x | 28 (vs peers) | 22% |
| EV/EBITDA · Valuation | unavailable | unavailable | — |
| FCF yield · Valuation | 52.4% | 100 (on a fixed band) | 17% |
| Shareholder yield (distributions) · Returns | 0.9% | 12 (on a fixed band) | 13% |
| Payout ratio (FCF) · Returns | unavailable | unavailable | — |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet69/100 · 2/3 factors with a value
- Growth· partialunavailable · 0/2 factors with a value
- Quality94/100 · 2/3 factors with a value
- Returns· partial12/100 · 1/2 factors with a value
- Valuation60/100 · 2/3 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
WISE PLC (WISE.L). Latest full fiscal year: 2025; data up to 2025-03-31.
Figures computed from the financial statements: revenue 1.2 bn GBP in 2025; YoY growth 15.2%; net margin 34.4%; ROE 35.2%.
The estimated value range is 35.73–46.14 GBP per share (median of 2 methods, agreement: low); assumptions are illustrative. Against the central value of 40.22 GBP, the price of 8.25 GBP leaves a potential of 387.4% (value / price − 1) and a margin of safety of 79.5% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
Insufficient data for a verdict (score weight coverage: 47.9% of at least 60%).
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- Net margin: 34.4%
- FCF conversion: 1,070.3%
- Interest coverage: 37.4x
- FCF yield: 52.4%
- The price is below the estimated value range
What contradicts it
- Current ratio: 1.1x
- P/E (TTM): 20.8x
- Shareholder yield (distributions): 0.9%
- The valuation methods diverge
Not assessed (insufficient data or a ratio without meaning): ROIC, Revenue CAGR 3Y, EPS CAGR 3Y, Net debt / EBITDA, EV/EBITDA, Payout ratio (FCF).
Versus the vertical median
Listed companies from United Kingdom · same country · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| BATS.LBritish American Tobacco P.L.C. | 104.3 bn | 13.5 | 16.5% | 30.3% | −1.0% | +7% / +88% |
| ABF.LAssociated British Foods PLC | 14.7 bn | 14.3 | 9.2% | 5.3% | −3.1% | −5% / −15% |
| WISE.LWise PLC | 8.5 bn | 20.8 | 35.2% | 34.4% | +15.2% | −7% / +6% |
| 0EV1.LCarnival PLC | 5.5 bn | 4.1 | 46.7% | 13.4% | +6.4% | unavailable / unavailable |
| BAB.LBabcock International Group PLC | 5.1 bn | 24.7 | 34.7% | 4.1% | +7.2% | −10% / +158% |
| AUTO.LAutotrader Group PLC | 4.8 bn | 16.4 | 60.2% | 47.1% | +3.9% | −13% / −23% |
| BBY.LBalfour Beatty PLC | 4.2 bn | 16.3 | 23.2% | 2.8% | +15.2% | +20% / +160% |
| ABDN.LAberdeen Group PLC | 4.1 bn | 10.8 | 8.0% | 28.9% | −2.1% | +11% / +41% |
| BKG.LThe Berkeley Group Holdings PLC | 3.6 bn | 11.3 | 8.8% | 13.4% | −4.2% | −0% / −22% |
| BME.LB&M European Value Retail PLC | 2.9 bn | 17.4 | 21.2% | 2.8% | +3.7% | +68% / −51% |
| AJB.LAj Bell PLC | 2.4 bn | 22.8 | 49.9% | 33.1% | +18.0% | +8% / +128% |
| ASHM.LAshmore Group PLC | 1.4 bn | 13.9 | 13.1% | 71.6% | −0.1% | +28% / +18% |
| BCG.LBaltic Classifieds Group PLC | 1.2 bn | 23.2 | 15.8% | 57.6% | +6.9% | −99% / −99% |
| APN.LApplied Nutrition PLC | 763.6 m | 36.2 | 41.2% | 19.7% | +24.2% | +71% / unavailable |
| BAG.LA.G. Barr P.L.C. | 671.9 m | 14.4 | 14.4% | 10.8% | +4.0% | −7% / +26% |
| ASC.LAsos PLC | 494.5 m | — | -81.3% | -12.0% | −14.7% | +71% / +8% |
| ALFA.LAlfa Financial Software Holdings PLC | 486.8 m | 16.3 | 61.5% | 23.8% | +15.3% | −28% / +10% |
| AML.LAston Martin Lagonda Global Holdings PLC | 344.3 m | — | -93.4% | -39.2% | −20.6% | −45% / −85% |
| APTD.LAptitude Software Group PLC | 111.3 m | 28.5 | 7.2% | 6.2% | −7.3% | −30% / −23% |
| AMGO.LAmigo Holdings PLC | 9.9 m | — | — | — | −81.9% | +325% / +844% |
| ASBE.LAssociated British Engineering PLC | 605.3 k | — | -19.1% | — | unavailable | unavailable / unavailable |
| AMIF.LAmicorp Fs (uk) PLC | 221.6 k | 0.1 | 27.5% | 9.1% | +8.1% | unavailable / unavailable |
| AAF.LAirtel Africa PLC | — | — | 24.1% | 10.6% | +29.5% | −7% / +164% |
| AAL.LAnglo American PLC | — | — | -19.3% | -20.2% | +4.5% | +30% / +76% |
| ACG.LAcg Metals Limited | — | — | -80.3% | -32.0% | +134.8% | +60% / +63% |
1- and 3-year price returns: for WISE.L from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (GBP)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 5.48 Total return -34% · Per year -34% | 9.64 Total return 17% · Per year 17% | 14.46 Total return 75% · Per year 75% |
| 3 years | 6.50 Total return -21% · Per year -8% | 12.75 Total return 55% · Per year 16% | 20.83 Total return 152% · Per year 36% |
| 5 years | 7.71 Total return -7% · Per year -1% | 16.87 Total return 104% · Per year 15% | 29.99 Total return 263% · Per year 29% |
- Exit P/E± 3.19
- Net margin± 2.23
- Annual revenue growth± 1.66
- Annual dilution± 0.19
AI analysis
The qualitative analysis has not been written for this company yet.
Products, market & competition
The qualitative analysis has not been written for this company yet.
News & filings
In the press
- Wise Launches Forint Investment Feature With 4.72% Variable ReturnBudapest Business Journal (HU, EN) · 29 Oct 2026 · EN
- A Wise ügyfelei ezentúl hozamot kaphatnak a számlán tartott forintösszegeik utánTelex English (HU) · 29 Oct 2026 · EN
- Rubio Defends Trump Diesel Sanctions Relief as ‘Very Wise’Kyiv Post · 25 Oct 2026 · EN
- Greg Wise on how he and Emma Thompson coped with failed IVF: ‘We hit an existential crisis – she was not a proper woman and I was not a proper man’The Guardian — Health · 25 Oct 2026 · EN
- Money transfer firm Wise raises revenue growth outlook as cross-border volumes jumpCNA (Channel NewsAsia) · 16 Oct 2026 · EN
- OECD chief economist calls Future Fund 'wise policy choice': budget ministryYonhap News (KR, EN) · 02 Oct 2026 · EN
- RDIF CEO says Lithuanian PM’s remarks about no threat from Russia are 'unusually wise'TASS (RU, EN) · 01 Oct 2026 · EN
- Wise pentru Android te ajută să plătești în alte monede și să urmărești mai clar costurile din concediuProfit.ro · 22 Sept 2026 · RO
- Word to the wise on organising a Chinese leader’s US visitSouth China Morning Post — China · 18 Sept 2026 · EN
- Spekboom is nutritious, water‑wise and edible—so why aren't more South Africans eating it?Phys.org · 16 Sept 2026 · EN
- Rates At This Level Are Reasonably Priced: WiseBloomberg Markets · 27 Aug 2026 · EN
- Reading List on Wise AILessWrong · 19 Aug 2026 · EN
- Show HN: Bribes.fyi – Compare bribes statistics department wiseHacker News · 15 Aug 2026 · EN
- Zelenskyy awards PM Svyrydenko and Minister Shmyhal with Order of Prince Yaroslav the WiseUkrainska Pravda (UA, EN) · 15 Jul 2026 · RO
- Wise își consolidează prezența în România și recrutează un Country Manager pentru dezvoltarea operațiunilor localeEconomedia · 10 Jul 2026 · RO
- Revolut, Wise and UiPath-backer Seedcamp raises $320mSifted (EU startups) · 22 Jun 2026 · RO
- Putin wise to avoid large-scale strikes on Ukraine — DodikTASS (RU, EN) · 13 Jun 2026 · RO
- Wise alumni raise $2m pre-seed for AI tax startupSifted (EU startups) · 10 Jun 2026 · RO
- Платежная система Wise стала фигурантом дела об отмывании денег в БельгииKommersant (RU) · 01 Jun 2026 · RU
- Wise investigated in Belgium over money-laundering control concernsThe Guardian World · 01 Jun 2026 · RO
Annual reports (ESEF)
- Annual report 202524 Jun 2025
- Annual report 202404 Jul 2024
Figures computed by olivLaw from ESEF annual reports and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.