Wise Group plc (WSE) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 6, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F for FY2026, filed Jun 25, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WSE SEC filings page.
Wise Group plc (WSE) reported $2.5B in revenue for fiscal year 2026, up 19.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Wise is a cash-generative, balance-sheet-heavy business whose expanding short-term obligations matter more than its reported margins.
Cash conversion is unusually strong but increasingly detached from accounting profit: operating cash flow reached$7.5B in FY2026 while net income was$498.7M , and free cash flow was nearly identical to operating cash flow. That combination, alongside assets and current liabilities expanding sharply, indicates that transaction or working-capital flows are central to how the business operates—not simply retained earnings.
Scale is not yet translating into stable operating leverage. Revenue increased to
Liquidity is adequate but structurally narrow. The current ratio remained close to 1.1x in both FY2025 and FY2026, while liabilities represented roughly
Financial Health Signals
Scored against operating companies for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Wise Group plc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Wise Group plc has an operating margin of 23.6%, meaning the company retains $24 of operating profit per $100 of revenue. This strong profitability earns a score of 90/100, reflecting efficient cost management and pricing power. This is down from 34.7% the prior year.
Wise Group plc's revenue surged 19.2% year-over-year to $2.5B, reflecting rapid business expansion. This strong growth earns a score of 81/100.
Wise Group plc carries a low D/E ratio of 0.17, meaning only $0.17 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Wise Group plc's current ratio of 1.07 is below the typical benchmark, resulting in a score of 22/100. However, the company holds substantial cash reserves (90% of current liabilities), which buffers actual liquidity risk. Large mature operators often run tight current ratios by design.
Wise Group plc's reported free cash flow margin for fiscal year 2026 is above the highest share of revenue this page publishes, so the figure is not shown here. This dimension scores 100/100.
Wise Group plc earns a strong 25.9% return on equity (ROE), meaning it generates $26 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 90/100. This is down from 31.7% the prior year.
Wise Group plc scores 0.52, below the 1.81 distress threshold. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Wise Group plc passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Wise Group plc generates $15.15 in operating cash flow ($7.6B OCF vs $498.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Wise Group plc earns $30.29 in operating income for every $1 of interest expense ($590.7M vs $19.5M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
None of these metrics is reported for Q4 2026.
Cash & Balance Sheet
Wise Group plc held $27.8B in cash against $328.7M in long-term debt as of Q4 2026, with $30.8B of liabilities due within a year.
Not reported for Q4 2026.
Not reported for Q4 2026.
Margins & Returns
None of these metrics is reported for Q4 2026.
Capital Allocation
None of these metrics is reported for Q4 2026.
WSE Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, Income Tax, Net Income, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).
WSE Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2620-F | Q4'2520-F |
|---|---|---|
| Total Assets | $33.3B+34.2% | $24.8B |
| Current Assets | $33.0B+34.3% | $24.6B |
| Cash & Equivalents | $27.8B+53.9% | $18.1B |
| Short-Term Investments | $4.6B-23.8% | $6.0B |
| Accounts Receivable | $391.3M+12.5% | $347.8M |
| Long-Term Investments | $0 | $0 |
| Total Liabilities | $31.3B+36.0% | $23.0B |
| Current Liabilities | $30.8B+34.5% | $22.9B |
| Non-Current Liabilities | $529.0M+258.9% | $147.4M |
| Long-Term Debt | $328.7M | $0 |
| Total Equity | $1.9B+10.8% | $1.7B |
| Retained Earnings | $2.1B+27.5% | $1.7B |
Not reported in any period shown, so not listed: Inventory, Goodwill.
WSE Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
Not reported in any period shown, so not listed: Operating Cash Flow, Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Investing Cash Flow, Financing Cash Flow, Dividends Paid, Share Buybacks.
WSE Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Asset Turnover, FCF Margin.
Where Wise Group plc Ranks
Frequently Asked Questions
What is Wise Group plc's annual revenue?
Wise Group plc (WSE) reported $2.5B in total revenue for fiscal year 2026. This represents a 19.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Wise Group plc's revenue growing?
Wise Group plc (WSE) revenue grew by 19.2% year-over-year, from $2.1B to $2.5B in fiscal year 2026.
Is Wise Group plc profitable?
Yes, Wise Group plc (WSE) reported a net income of $498.7M in fiscal year 2026, with a net profit margin of 19.9%.
What is Wise Group plc's EBITDA?
Wise Group plc (WSE) had EBITDA of $605.1M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Wise Group plc have?
As of fiscal year 2026, Wise Group plc (WSE) had $27.8B in cash and equivalents against $328.7M in long-term debt.
What is Wise Group plc's operating margin?
Wise Group plc (WSE) had an operating margin of 23.6% in fiscal year 2026, reflecting the profitability of core business operations before interest and taxes.
What is Wise Group plc's net profit margin?
Wise Group plc (WSE) had a net profit margin of 19.9% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
What is Wise Group plc's return on equity (ROE)?
Wise Group plc (WSE) has a return on equity of 25.9% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Wise Group plc's free cash flow?
Wise Group plc (WSE) generated $7.5B in free cash flow during fiscal year 2026. This represents a 32.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Wise Group plc's operating cash flow?
Wise Group plc (WSE) generated $7.6B in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are Wise Group plc's total assets?
Wise Group plc (WSE) had $33.3B in total assets as of fiscal year 2026, including both current and long-term assets.
What are Wise Group plc's capital expenditures?
Wise Group plc (WSE) invested $19.6M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is Wise Group plc's current ratio?
Wise Group plc (WSE) had a current ratio of 1.07 as of fiscal year 2026, which is considered adequate.
What is Wise Group plc's debt-to-equity ratio?
Wise Group plc (WSE) had a debt-to-equity ratio of 0.17 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Wise Group plc's return on assets (ROA)?
Wise Group plc (WSE) had a return on assets of 1.5% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is Wise Group plc's P/E ratio?
Wise Group plc (WSE) trades at 23.2x earnings, its market capitalization divided by net income of $498.7M net income, FY2026. The market capitalization is $11.6B as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Wise Group plc's price-to-sales ratio?
Wise Group plc (WSE) trades at 4.6x sales, its market capitalization divided by revenue of $2.5B revenue, FY2026. The market capitalization is $11.6B as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Wise Group plc's Altman Z-Score?
Wise Group plc (WSE) has an Altman Z-Score of 0.52, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Wise Group plc's Piotroski F-Score?
Wise Group plc (WSE) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Wise Group plc's earnings high quality?
Wise Group plc (WSE) has an earnings quality ratio of 15.15x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Wise Group plc cover its interest payments?
Wise Group plc (WSE) has an interest coverage ratio of 30.29x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Wise Group plc?
Wise Group plc (WSE) scores 81 out of 100 on our Financial Health Score, indicating strong standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.