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V vs. WSE: Visa vs. Wise Stock Comparison

How do Visa (V) and Wise (WSE) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Visa (V) and Wise (WSE) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Visa (V) has been public since March 19, 2008 with a meaningfully longer listed history, while Wise (WSE) only listed on May 11, 2026 — long-window metrics on the WSE side should be interpreted with caution.

Company profile comparison for Visa (V) and Wise (WSE)
Profile ItemVWSE
NameVisa Inc. Class AWise Group plc
Country/RegionUnited StatesUnited Kingdom
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesFinancial Services
GICS Sub-IndustryTransaction & Payment Processing ServicesTransaction & Payment Processing Services
Market Capitalization788.58 billion USD10.76 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateMarch 19, 2008May 11, 2026
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

V
WSE
GSPC
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Visa (V) vs. Wise (WSE), with S&P 500 (GSPC) for reference: 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 Visa (V) and Wise (WSE). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Visa (V) and Wise (WSE). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Visa (V) and Wise (WSE)
MetricVWSE
Total Return (1Y)27.50%--
Total Return (3Y, Annualized)21.55%--
Total Return (5Y, Annualized)15.65%--

Risk Profile

Drawdown History

V
WSE
GSPC
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Visa (V) vs. Wise (WSE), with S&P 500 (GSPC) for reference: 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 Visa (V) and Wise (WSE). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Visa (V) and Wise (WSE)
MetricVWSE
Volatility (1Y, Annualized)22.99%44.06%
Beta (5Y)0.781.56
Max Drawdown (5Y)-24.14%-32.47%
Avg. Volume (3M)6.56M1.74M

Risk-Adjusted Performance

Risk-Return Positioning

Both V and WSE need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Risk-adjusted metrics for Visa (V) and Wise (WSE)
MetricVWSE
Sharpe Ratio (1Y)1.01--
Sortino Ratio (1Y)1.64--

Profitability

ROE (TTM)

Both companies show strong equity returns, but Visa (V) at 63.51% is the standout with ROE above its industry range; Wise (WSE) at 27.23% also sits in the top quartile.

V

Financial Services industry group

63.51%

V
63.51%
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%

WSE

Financial Services industry group

27.23%

Max
44.78%
WSE
27.23%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Visa (V) vs. Wise (WSE): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Visa (V) at 51.20% retains a top-quartile share of revenue as profit, ahead of Wise (WSE) at 19.93%, which keeps about the industry-typical share.

V

Financial Services industry group

51.20%

Max
62.84%
V
51.20%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%

WSE

Financial Services industry group

19.93%

Max
62.84%
Q3
28.05%
WSE
19.93%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Visa (V) vs. Wise (WSE): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Visa (V) at 63.73% and Wise (WSE) at 59.77% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

V

Financial Services industry group

63.73%

Max
107.33%
V
63.73%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%

WSE

Financial Services industry group

59.77%

Max
107.33%
WSE
59.77%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Visa (V) vs. Wise (WSE): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Visa (V) and Wise (WSE)
MetricVWSE
ROE (TTM)63.51%27.23%
ROA (TTM)19.61%2.41%
Net Margin (TTM)51.20%19.93%
Operating Margin (TTM)63.73%59.77%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Visa (V) at 14.76% and Wise (WSE) at 17.14% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Visa (V) vs. Wise (WSE): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Visa (V) at 20.78% and Wise (WSE) at -5.78% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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Visa (V) vs. Wise (WSE): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Visa (V) and Wise (WSE)
MetricVWSE
Revenue Growth (YoY)14.76%17.14%
Revenue Growth (3Y CAGR)12.02%30.26%
EPS Growth (YoY)20.78%-5.78%
EPS Growth (3Y CAGR)14.16%52.89%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Visa (V) in Financial Services and Wise (WSE) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Visa (V) in Financial Services and Wise (WSE) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Visa (V) and Wise (WSE)
MetricVWSE
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Wise (WSE) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Visa (V) reports a yield of 0.66%, ranking against industry peers normally.

V

Financial Services industry group

0.66%

Max
9.77%
Q3
3.92%
Median
1.09%
V
0.66%
Q1
0.00%
Min
0.00%

WSE

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
WSE
0.00%
Q1
0.00%
Min
0.00%
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Visa (V) vs. Wise (WSE): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Wise (WSE) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Visa (V) reports a payout of 21.75%, ranking against industry peers normally.

V

Financial Services industry group

21.75%

Max
241.07%
Q3
97.36%
Median
25.77%
V
21.75%
Q1
0.00%
Min
0.00%

WSE

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
WSE
0.00%
Q1
0.00%
Min
0.00%
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Visa (V) vs. Wise (WSE): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Visa (V) and Wise (WSE)
MetricVWSE
Dividend Yield (TTM)0.66%0.00%
Dividend Payout Ratio (TTM)21.75%0.00%

Valuation

P/E Ratio (TTM)

Wise (WSE) at 23.23 is near its industry’s usual P/E ratio, while Visa (V) at 34.31 sits in the richer quartile — V needs stronger growth or earnings quality to justify the premium.

V

Financial Services industry group

34.31

Max
45.85
V
34.31
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16

WSE

Financial Services industry group

23.23

Max
45.85
Q3
24.64
WSE
23.23
Median
15.37
Q1
9.68
Min
0.16
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Visa (V) vs. Wise (WSE): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Wise (WSE) at 4.30 prices around its industry’s typical P/S ratio, while Visa (V) at 17.18 clears its benchmark range — V looks notably rich on sales.

V

Financial Services industry group

17.18

V
17.18
Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55

WSE

Financial Services industry group

4.30

Max
9.23
Q3
4.57
WSE
4.30
Median
2.72
Q1
1.28
Min
-0.55
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Visa (V) vs. Wise (WSE): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Both look rich against book: Wise (WSE) at 5.94 sits in the upper P/B ratio quartile, and Visa (V) at 22.05 prices even higher, above its industry range.

V

Financial Services industry group

22.05

V
22.05
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39

WSE

Financial Services industry group

5.94

Max
7.79
WSE
5.94
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Visa (V) vs. Wise (WSE): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Visa (V) and Wise (WSE)
MetricVWSE
P/E Ratio (TTM)34.3123.23
P/S Ratio (TTM)17.184.30
P/B Ratio (MRQ)22.055.94
Free Cash Flow Yield (TTM)----