Wise plc (WISE.L) stock analysis

In our weekly check, Wise plc is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 18 pass, warnings: 3, red flags: 3.

About Wise plc

Wise plc is a Technology company (Information Technology Services) based in the United Kingdom, listed on LSE as WISE.L.

What our checks show for WISE.L

Red flags

• The gross margin fell by 7.9 points, to 57.5%: costs are rising faster than prices.
• The stock has fallen as much as 74% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 1.8%.

Warning signs

• Analysts expect the net margin to shrink by 1.1 points from today's 18.4%.
• The price swings a lot: 35.6% annual volatility. Expect large ups and downs.
• Recovering from its deepest fall took about 2.9 years.

Strengths

• Debt is low: 0.25x equity.
• Operating profit covers interest 41.1 times over.
• The net margin rose by 12.6 points over 5 years, to 18.4%.
• Operating cash flow is 15.15x net profit: the profit arrives as real cash.
• Analysts expect revenue to grow about 15.3% a year over the next years.
• Revenue grew 27.6% a year over the last 3 years.

Similar companies

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Questions

What grade does Wise plc (WISE.L) have?

In our weekly check, Wise plc is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 18 pass, warnings: 3, red flags: 3. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of WISE.L stock?

This week's biggest flags for Wise plc: Gross margin falling, Deep past fall, Low return on capital. In total 6 of 24 checks show a warning or a red flag.

What does Wise plc do?

Wise plc is a Technology company (Information Technology Services) based in the United Kingdom, listed on LSE as WISE.L.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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