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Wise Group plc reports strong FY26 growth and a new U.S. primary listing. Cross-border volume reached $243.5 billion, up 31% year-over-year, as active customers grew 21% to 19 million. Total net revenue was $2,502.8 million, an increase of 19%, with over one-third now coming from non-cross-border products such as cards and other account services.
Income before tax reached $660.4 million, giving a 26.4% margin, while customer holdings rose to $39 billion, including $9 billion in Wise Assets. The company completed share repurchases totaling $470 million for 35.9 million shares and plans a new share purchase program of over $500 million. Wise also completed a Reorganization Transaction and moved its primary listing to Nasdaq, retaining a secondary listing in London.
Wise Group plc files its annual report on Form 20-F outlining its business as a Jersey-incorporated holding company for Wise Limited, focused on cross-border and domestic financial services. The report explains a 2026 reorganization that made Wise Group plc the ultimate parent and shifted the primary listing from the London Stock Exchange to Nasdaq, while keeping a secondary LSE listing.
Wise highlights that its sole material asset is its equity interest in Wise Limited and that its audited consolidated financial statements are prepared under U.S. GAAP in U.S. dollars. Extensive risk disclosures cover customer growth and retention, dependence on banking and payment partners, fraud and financial crime, safeguarding of customer funds, cybersecurity and third-party service providers, competition with banks and fintechs, foreign exchange and interest rate exposure, indebtedness under a Euro medium-term note program and a revolving credit facility, heavy global regulatory oversight, and emerging risks from artificial intelligence and evolving data protection regimes.
Wise Group plc reported strong growth for its fiscal year 2026, driven by rising customer activity and higher transaction volumes. Active customers reached 18.9 million, up 21% year over year. Cross-border volume rose to $243.5 billion, a 31% increase, while card spend grew 37% to $43.6 billion.
Customer holdings increased 40% in FY26 to $39.0 billion, reflecting broader use of Wise accounts for everyday money management. Net revenue was $2,502.8 million, up 19% from FY25, with an average cross-border take rate of 0.52%. The company also filed its Annual Report on Form 20-F and introduced guidance for FY2027.
Wise Group plc ownership disclosure: Baillie Gifford & Co reports beneficial ownership of 108,011,990 Class A ordinary shares, representing 10.53% of the class. The filing shows sole voting power over 98,802,398 shares and sole dispositive power over 108,011,990 shares; holdings are reported by an investment adviser on behalf of clients.
Wise Group plc explains its response to recent press coverage about financial crime by stressing that it is cooperating with the Brussels prosecutor’s office, which is making enquiries about its business. Wise says these enquiries are incomplete and that no specific findings have been shared so far.
The company emphasises that responding to law-enforcement and regulatory requests and filing suspicious activity reports are normal parts of operations for financial institutions and do not, by themselves, indicate non-compliance or wrongdoing. Wise highlights its global compliance footprint with over 80 regulatory licences, serving about 19 million active customers and handling around 4.7 million transactions per day.
Wise describes extensive anti-financial-crime efforts, including verifying customers before account opening, monitoring hundreds of data points in real time, offboarding customers when necessary, and proactively reporting suspicious activity. It notes that roughly one third of its global workforce focuses on protecting customers from financial crime and states it will keep owners and the market informed at an appropriate time.
Wise Group plc Chief Product Officer Nilan Peiris has filed an initial ownership report showing his equity position in the company. The filing lists 1,125,790 Class B Ordinary Shares and 2,364,221 Class A Ordinary Shares held directly as of the reporting date.
He also holds various equity awards, including multiple tranches of Restricted Share Units tied to Wise Class A Ordinary Shares and 815,285 nil-cost options that are fully vested and exercisable, expiring on January 20, 2032. The RSUs are scheduled to vest in equal installments starting on July 15, 2026, contingent on continued service.
Wise Group plc Chief Executive Officer and more-than-ten-percent owner Kristo Kaarmann filed an initial Form 3 disclosing his existing holdings of the company’s ordinary shares. He reports indirect ownership through Kotilda OU of 779,766 Class A and 779,766 Class B ordinary shares, and direct ownership of 186,078,489 Class A and 161,022,590 Class B ordinary shares. The filing notes that each Class B ordinary share corresponds to a Class A ordinary share and will be automatically cancelled upon sale or other transfer of the corresponding Class A share, or as otherwise provided in the company’s articles of association.