Wise Group plc (WSE)

Nasdaq: WSE · Services-Business Services, NEC · filing with the SEC since 2025

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Grade6.6

◀ Past 5.7● Present 6.1▶ Future 7.7

3 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Wise Group plc

Nine metrics read from its own filings, by tense

Headline grade

6.6/10

◀ Past5.725% of the headline

● Present6.135% of the headline

▶ Future7.740% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.7/1025% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

8.0/10

Has it survived what it has been through?

No warning events in its filings since 2025.

weight 22% of this tense · 80th percentile among 105 sector filers · read for itself

From the record

Wise Group plc's filings since 2025 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

8.0/10

What has it actually done, year after year?

+19.6% a year over 3 filed years; profitable in 3 of 3.

weight 45% of this tense · 80th percentile among 99 sector filers · read for its customers

From the record

Wise Group plc's 3 filed years say what it did: revenue went from $1.3 billion in fiscal 2024 to $1.9 billion in fiscal 2026, up 19.6% a year; it rose in 2 of 2 years; it never fell from a peak; net income was positive in 3 of 3 of those years (its annual reports).

What it rests on

revenue growth over the filed span19.6%top 33% of its family
the share of years revenue rosetop 18% of its family
the share of filed years with a profittop 11% of its family
the deepest fall from a revenue peak0.0%top 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

1.0/10

How has it treated the people who own it?

SI estimate 1.0/10, confidence 35 of 100 (one part).

weight 33% of this tense · 10th percentile among 98 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the cash returned against operating cash flow, which ranks in the bottom 10% of 98 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: cash returned against operating cash flow, the one part on file, ranked among 98 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Wise Group plc's shareholder treatment is put at 1.0 of 10 with a confidence of 35 of 100, because read from one part only, the cash returned against operating cash flow, which ranks in the bottom 10% of 98 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

6.1/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

4.9/10

Is it financially healthy right now?

ROE 26%: 26¢ of profit per shareholder dollar. Leverage 94%: owes 94¢ per asset dollar.

weight 33% of this tense · 49th percentile among 98 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2026-03-31, Wise Group plc earned about 26 cents of profit for every dollar of shareholders' money. Leverage: it owed about 94 cents per dollar of assets (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 15% of its family
return on equitytop 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

7.5/10

How strong is its position in its industry?

top 25% of 101 in its family; net margin 26.3%.

weight 45% of this tense · 75th percentile among 101 sector filers · read for its customers

From the record

Wise Group plc's standing among 101 graded names in its industry family: revenue of $1.9 billion in fiscal 2026 ranks in the top 40% by size; a net margin of 26.3% ranks in the top 8%; revenue growth of 19.6% a year over the last 2 filed years ranks in the top 27% (its annual reports).

What it rests on

revenue against the family$1.89Btop 40% of its family
net margin26.3%top 8% of its family
three-year revenue growth19.6%top 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.3/10

What are the people in charge doing?

SI estimate 5.3/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 73 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-05-08 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 6 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 73 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-05-08 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 6 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 73 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Wise Group plc's leadership is put at 5.3 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-05-08 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 6 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 73 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

7.7/1040% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

as filed

9.9/10

How much room does it have to grow?

top 1% of 99 in its family for room to expand.

weight 33% of this tense · 100th percentile among 99 sector filers · read for itself

From the record

Wise Group plc's room to grow, from the newest filed statements (fiscal 2026): cash of $28 billion against debt of $329 million leaves 82.6% of its assets as net cash, top 1% of its family; cash from operations less capital spending is 397.9% of revenue (top 1%) (its annual report).

What it rests on

cash less debt against assets82.6%top 1% of its family
cash from operations less capital spending against revenue397.9%top 1% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

7.2/10

What could actually drive growth from here?

top 28% of 99 in its family for growth drivers.

weight 45% of this tense · 72nd percentile among 99 sector filers · read for its customers

From the record

Wise Group plc's growth drivers, from the filed years to fiscal 2026: revenue grew 19.6% a year over the last three filed years against 19.6% over all 3, speeding up (top 32% of its family); the newest year grew 22.5% (top 25%); capital spending grew 21% a year (top 28%) (its annual reports). Wise Group plc reported 3 product lines in fiscal 2026: Cross Border Sevices at $1.3 billion (66%), Card Services at $392 million (21%), Other Services at $245 million (13%); 3 of 3 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span+0.0 points a yeartop 32% of its family
the newest year's revenue growth22.5%top 25% of its family
three-year growth of capital spending21.0%top 28% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate

5.2/10

Did its newest year beat what its own record pointed to?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 93 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 93 members with one.
What the record cannot read: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned: family median, 93 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Wise Group plc's expectations vs reality is put at 5.2 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 93 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton WSE · research, not advice