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Wise (WSE) Stock Analysis

This is a peer-relative look at Wise (WSE): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Wise (WSE)
Profile ItemWSE
NameWise Group plc
Country/RegionUnited Kingdom
GICS SectorFinancials
GICS Industry GroupFinancial Services
GICS IndustryFinancial Services
GICS Sub-IndustryTransaction & Payment Processing Services
Market Capitalization10.76 billion USD
CurrencyUSD
ExchangeNasdaq
Listing DateMay 11, 2026
Security TypeCommon Stock

Price Performance

Cumulative Growth

WSE
GSPC
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Wise (WSE) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Wise (WSE) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Wise (WSE) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Wise (WSE) metric values compared with Financial Services industry-group medians
MetricCurrent stock: WSEIndustry group median
Total Return (1Y)--1.90%
Total Return (3Y, Annualized)--12.71%
Total Return (5Y, Annualized)--2.81%

Risk Profile

Drawdown History

WSE
GSPC
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Wise (WSE) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Wise (WSE) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Wise (WSE) metric values compared with Financial Services industry-group medians
MetricCurrent stock: WSEIndustry group median
Volatility (1Y, Annualized)44.06%36.24%
Beta (5Y)1.561.04
Max Drawdown (5Y)-32.47%-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

WSE needs both 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Wise (WSE) metric values compared with Financial Services industry-group medians
MetricCurrent stock: WSEIndustry group median
Sharpe Ratio (1Y)---0.09
Sortino Ratio (1Y)---0.13

Profitability

ROE (TTM)

Wise (WSE) posts ROE of 27.23%, in the upper peer quartile. That suggests the company earns more from each dollar of shareholders’ equity than most industry peers, a useful capital-efficiency signal.

WSE

Financial Services industry group

27.23%

Group distribution
Max
44.78%
WSE
27.23%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
Largest peers
MA
231.37%
V
63.51%
WSE
27.23%
MS
18.04%
GS
17.71%
BRK.A
12.12%
BRK.B
12.12%
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Where Wise (WSE) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Wise (WSE) keeps 19.93% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

WSE

Financial Services industry group

19.93%

Group distribution
Max
62.84%
Q3
28.05%
WSE
19.93%
Median
15.36%
Q1
4.82%
Min
-28.52%
Largest peers
V
51.20%
MA
46.73%
GS
31.21%
MS
25.63%
BRK.A
22.30%
BRK.B
22.30%
WSE
19.93%
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Where Wise (WSE) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Wise (WSE) turns 59.77% of revenue into operating profit, putting operating margin in the upper peer quartile. Before financing and taxes enter the picture, the day-to-day business keeps more of each sales dollar than most industry peers.

WSE

Financial Services industry group

59.77%

Group distribution
Max
107.33%
WSE
59.77%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
Largest peers
V
63.73%
MA
60.53%
WSE
59.77%
MS
39.00%
GS
38.37%
BRK.A
32.56%
BRK.B
32.56%
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Where Wise (WSE) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Wise (WSE) metric values compared with Financial Services industry-group medians
MetricCurrent stock: WSEIndustry group median
ROE (TTM)27.23%12.91%
ROA (TTM)2.41%3.60%
Net Margin (TTM)19.93%15.36%
Operating Margin (TTM)59.77%30.09%
Gross Margin (TTM)----

Growth

Revenue Growth

Wise (WSE) grew revenue 17.14%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

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Wise (WSE): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

Wise (WSE) grew earnings per share -5.78%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Wise (WSE): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

Wise (WSE) metric values compared with Financial Services industry-group medians
MetricCurrent stock: WSEIndustry group median
Revenue Growth (YoY)17.14%9.46%
Revenue Growth (3Y CAGR)30.26%10.90%
EPS Growth (YoY)-5.78%7.46%
EPS Growth (3Y CAGR)52.89%13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Wise (WSE) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Wise (WSE) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Wise (WSE) metric values compared with Financial Services industry-group medians
MetricCurrent stock: WSEIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Wise (WSE) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

WSE

Financial Services industry group

0.00%

Group distribution
Max
9.77%
Q3
3.92%
Median
1.09%
WSE
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
2.40%
GS
2.07%
V
0.66%
MA
0.53%
WSE
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Wise (WSE) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Wise (WSE) paid no earnings out as dividends this period, leaving payout ratio at 0.00%. There is no dividend payout to size against earnings.

WSE

Financial Services industry group

0.00%

Group distribution
Max
241.07%
Q3
97.36%
Median
25.77%
WSE
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
32.91%
GS
25.88%
V
21.75%
MA
17.63%
WSE
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Wise (WSE) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Wise (WSE) metric values compared with Financial Services industry-group medians
MetricCurrent stock: WSEIndustry group median
Dividend Yield (TTM)0.00%1.09%
Dividend Payout Ratio (TTM)0.00%25.77%

Valuation

P/E Ratio (TTM)

Wise (WSE) trades at P/E ratio of 23.23, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

WSE

Financial Services industry group

23.23

Group distribution
Max
45.85
Q3
24.64
WSE
23.23
Median
15.37
Q1
9.68
Min
0.16
Largest peers
V
34.31
MA
34.15
WSE
23.23
MS
14.39
BRK.A
14.36
BRK.B
14.36
GS
12.45
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Where Wise (WSE) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Wise (WSE) trades at 4.30 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

WSE

Financial Services industry group

4.30

Group distribution
Max
9.23
Q3
4.57
WSE
4.30
Median
2.72
Q1
1.28
Min
-0.55
Largest peers
V
17.18
MA
15.67
WSE
4.30
MS
3.55
GS
3.52
BRK.A
3.18
BRK.B
3.18
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Where Wise (WSE) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Wise (WSE) trades at 5.94 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.

WSE

Financial Services industry group

5.94

Group distribution
Max
7.79
WSE
5.94
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
Largest peers
MA
84.30
V
22.05
WSE
5.94
MS
2.65
GS
2.36
BRK.A
1.72
BRK.B
0.00
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Where Wise (WSE) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Wise (WSE) metric values compared with Financial Services industry-group medians
MetricCurrent stock: WSEIndustry group median
P/E Ratio (TTM)23.2315.37
P/S Ratio (TTM)4.302.72
P/B Ratio (MRQ)5.941.57
Free Cash Flow Yield (TTM)----