Wise Group (Nasdaq: WSE) Q1 FY27 revenue hits $714M on rising volumes

Rhea-AI Filing Summary

Wise Group plc reported strong Q1 FY27 growth for the quarter ended June 30, 2026. Net revenue was $714.0 million, up 25% year over year. Active customers reached 11.863 million, a 21% increase, while cross-border payment volume rose 26% to $69.3 billion. Customer holdings expanded 31% to $41.2 billion, and assets under custody were $10.2 billion, 55% higher than Q1 FY26.

Cross-border take rate edged down to 0.50% from 0.52%, which management highlighted as Wise’s lowest average fee, and 77% of transfers were instant, up from 70%. Q1 FY27 revenue included $349.8 million from cross-border payments, $191.1 million from card and other services, and $225.4 million of interest income on customer balances, partly offset by $52.3 million of interest expense. Both personal and business segments contributed, with business cross-border volumes up 39% year over year to $21.3 billion and personal volumes up 21% to $48.0 billion.

Positive

• Net revenue grew 25% year over year to $714.0 million in Q1 FY27, with contributions from cross-border payments, card and other services, and interest income on customer balances.
• Customer activity scaled significantly, as active customers rose 21% to 11.863 million and cross-border volume increased 26% to $69.3 billion year over year.
• Customer holdings and assets under custody increased 31% and 55% year over year to $41.2 billion and $10.2 billion, consistent with management’s comments that more customers are trusting Wise for their everyday money.

Negative

• None.

Key Figures

Active customers: 11.863 million Cross-border volume: 69.3 $ billion Customer holdings: 41.2 $ billion +5 more

8 metrics

Active customers 11.863 million Q1 FY27 active customers, YoY movement 21%

Cross-border volume 69.3 $ billion Q1 FY27 cross-border volume, YoY movement 26%

Customer holdings 41.2 $ billion Q1 FY27 customer holdings, YoY movement 31%

Assets under custody 10.2 $ billion Q1 FY27 assets under custody, YoY movement 55%

Net revenue 714.0 $ million Q1 FY27 net revenue, YoY movement 25%

Instant transfers 77 % Q1 FY27 instant transfers share, up from 70% in Q1 FY26

Cross-border take rate 0.50 % Q1 FY27 cross-border take rate, down from 0.52% in Q1 FY26

Interest income on customer balances 225.4 $ million Q1 FY27 interest income on customer balances, YoY movement 15%

Key Terms

Cross-border volume, Cross-border take rate, Assets under custody, Customer holdings, +1 more

5 terms

Cross-border volume financial

"Cross-border volume ($ billion) 69.3 in Q1 FY27"

Cross-border take rate financial

"Cross-border take rate (%) was 0.50 % in Q1 FY27"

Assets under custody financial

"Assets under custody ($ billion) reached 10.2 in Q1 FY27"

Assets under custody are financial assets, such as stocks, bonds, or cash, held and managed by a financial institution on behalf of clients. They represent the total value of assets that the institution safeguards, ensuring their safety and proper management. For investors, knowing the amount of assets under custody provides an indication of the institution’s size, reliability, and ability to securely handle their investments.

Customer holdings financial

"Customer holdings ($ billion) were 41.2 in Q1 FY27"

Interest income on customer balances financial

"Interest income on customer balances ($ million) was 225.4"

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

Form 6-K: How Foreign Companies Report to the SEC →

Available on EDGAR 07/16/2026 - 04:03 PM Accepted by SEC EDGAR 07/16/2026 - 04:03 PM Learn about SEC filing dates

FAQ

What were Wise Group (WSE) net revenue and growth in Q1 FY27?

Wise Group reported net revenue of $714.0 million in Q1 FY27, representing 25% year-over-year growth compared with Q1 FY26. Revenue was supported by cross-border payments, card and other services, and interest income on customer balances.

How many active customers did Wise Group (WSE) serve in Q1 FY27?

In Q1 FY27, Wise Group had 11.863 million active customers, an increase of 21% year over year from Q1 FY26. Both personal and business customers grew, with business customers reaching 608 thousand, up 28% year over year.

What was Wise Group (WSE) cross-border payment volume in Q1 FY27?

Wise Group processed $69.3 billion in cross-border volume in Q1 FY27, a 26% year-over-year increase from $55.0 billion in Q1 FY26. Business volume grew particularly strongly, rising 39% year over year to $21.3 billion.

How much customer money does Wise Group (WSE) hold and have in custody?

In Q1 FY27, Wise Group reported customer holdings of $41.2 billion, up 31% year over year, and assets under custody of $10.2 billion, a 55% increase versus Q1 FY26. Both personal and business balances contributed to this growth.

What were Wise Group (WSE) transfer speed and average fee in Q1 FY27?

In Q1 FY27, 77% of transfers were instant, up from 70% a year earlier. The average cross-border fee, or take rate, was 0.50%, down from 0.52%, which Wise highlighted as its lowest average fee to date.

When is Wise Group (WSE) Q1 FY27 earnings call and how can it be accessed?

Wise Group scheduled its Q1 FY27 earnings call for July 16, 2026 at 4:30 p.m. Eastern Time. Listeners can access the live webcast, press release, and slide presentation at http://owners.wise.com, where a replay will remain available for at least 30 days.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of July 2026

Commission File Number: 001-43229

Wise Group plc

(Translation of registrant’s name into English)

1st Floor, Worship Square

65 Clifton Street

London EC2A 4JE

United Kingdom

(Address of Principal Executive Office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F ☒   Form 40-F ☐

INFORMATION CONTAINED IN THIS REPORT ON FORM 6-K

On July 16, 2026, Wise Group plc (the “Company”) issued a press release announcing its financial results for the quarter ended June 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Report of Foreign Private Issuer on Form 6-K (this “Report on Form 6-K”).

The information contained in this Report on Form 6-K (including Exhibit 99.1 hereto) shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

EXHIBIT INDEX

Exhibit No.		Description
99.1		Press release issued by Wise Group plc, dated July 16, 2026, titled “Wise Group plc reports Q1 FY27 Results”

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

				WISE GROUP PLC
Date: July 16, 2026				By:		/s/ Kristo Käärmann
				Name: Kristo Käärmann Title: Chief Executive Officer

Exhibit 99.1

July 16, 2026

Wise Group plc reports Q1 FY27 Results

New York, NY, July 16, 2026 - Wise Group plc (Nasdaq: WSE; LSE: WISE), the global technology company building the best way to move and manage the world’s money, today announces its Q1 FY27 results for the quarter ending June 30, 2026.

		Q1 FY27				Q1 FY26				YoY Movement
Active customers (millions)			11,863				9,797				21	%
Cross-border volume ($ billion)			69.3				55.0				26	%
Customer holdings ($ billion)			41.2				31.5				31	%
Net revenue ($ million)			714.0				573.3				25	%
Cross-border take rate (%)			0.50	%			0.52	%			-2 pps
Instant transfers (%)			77	%			70	%			+7 pps

Q1 FY27 highlights

• Quarterly cross-border volume grew 26% YoY to $69.3 billion (24% growth YoY on a constant currency basis*) with active customers up 21% YoY to 11.9 million

• Customer holdings increased 31% YoY to $41.2 billion as more customers use and trust Wise for more of their daily financial lives

• Cross-border take rate reduced 2bps YoY to 50bps, as we created capacity within the business to proactively invest part of our operating leverage to further strengthen our competitive advantage of lower prices for customers

• Transaction revenue increased 27% YoY to $540.9 million and net revenue increased 25% YoY to $714.0 million

• Re-iterating our FY27 guidance:

• Net revenue growth around the middle of our 15-20% medium-term target range on a constant currency basis, assuming no material change in interest paid to customers, and no material changes in central bank rates.

• Income before tax margin around the top of the 20-25% range.

Kristo Käärmann, Co-founder and Chief Executive Officer, commented:

“This quarter almost 12 million people and businesses used Wise to move $69.3 billion across the world. These customers paid an average fee of just 50bps—the lowest it has ever been on Wise. In 77% of the transactions, their money arrived instantly on the other side of the world. More customers are trusting Wise for their everyday money—their holdings grew 31% to $41.2 billion.

“We recently expanded our product offering in Latin America, so that Chileans can now send money cheap and fast cross-borders and top up their multi-currency accounts with local, instant pay-ins.

“We continue building ‘the’ network for the world’s money.”

1

Earnings call information

Wise will host an earnings call today, July 16, 2026 at 4:30 p.m. Eastern Time to discuss the company’s performance and expectations. Listeners may access the live call via webcast at http://owners.wise.com, where listeners can also access Wise’s earnings press release and slide presentation. Following the call, a webcast will also be made available at the same website for at least 30 days.

Enquiries

Martin Adams - Investor Relations

owners@wise.com

Sana Rahman - Communications

press@wise.com

Brunswick Group

Charles Pretzlik / Emily Murphy

Wise@brunswickgroup.com

+44 (0) 20 7404 5959

About Wise

Wise is a global technology company, building the best way to move and manage the world’s money.

With Wise Account and Wise Business, people and businesses can hold 40+ currencies, move money between countries and spend money abroad. Large companies and banks use Wise technology too; an entirely new network for the world’s money.

In fiscal year 2026, Wise supported around 19 million people and businesses, processing over $240 billion in cross-border transactions and saving customers over $3 billion.

FORWARD LOOKING DISCLOSURE DISCLAIMER

This report may include forward-looking statements, which are based on current expectations and projections about future events. These statements may include, without limitation, any statements preceded by, followed by or including words such as “forward looking”, “guidance”, “target”, “believe”, “expect”, “intend”, “may”, “anticipate”, “estimate”, “forecast” , “project”, “will”, “can have”, “likely”, “should”, “would”, “could” and any other words and terms of similar meaning or the negative thereof. These forward-looking statements are subject to risks, uncertainties and assumptions about Wise and its subsidiaries. In light of these risks, uncertainties and assumptions, the events in the forward-looking statements may not occur.

Past performance cannot be relied upon as a guide to future performance and should not be taken as a representation that trends or activities underlying past performance will continue in the future, and the statements in this report speak only as at the date of this report. No representation or warranty is made or will be made that any forward-looking statement will come to pass and there can be no assurance that actual results will not differ materially from those expressed in the forward-looking statements.

2

Wise expressly disclaims any obligation or undertaking to update, review or revise any forward-looking statements contained in this report and disclaims any obligation to update its view of any risks or uncertainties described herein or to publicly announce the results of any revisions to the forward-looking statements made in this report, whether as a result of new information, future developments or otherwise, except as required by law.

3

Historical quarterly financials

Quarterly		Q1 FY2025				Q2 FY2025				Q3 FY2025				Q4 FY2025				Q1 FY2026				Q2 FY2026				Q3 FY2026				Q4 FY2026				Q1 FY2027				QoQ Movement				Q YoY Movement
Active Customers (thousand)¹			8,374				8,892				9,047				9,290				9,797				10,440				10,896				11,290				11,863				5	%			21	%
Personal (thousand)			7,962				8,469				8,612				8,838				9,321				9,936				10,354				10,718				11,256				5	%			21	%
Business (thousand)			412				423				435				452				475				504				542				572				608				6	%			28	%
Cross-border volume ($ billion)²			41.9				45.7				48.4				49.2				55.0				59.0				63.1				66.5				69.3				4	%			26	%
Personal ($ billion)			30.9				33.9				35.1				35.7				39.7				42.1				44.2				47.0				48.0				2	%			21	%
Business ($ billion)			10.9				11.8				13.3				13.4				15.3				16.9				18.9				19.5				21.3				9	%			39	%
Customer balances ($ billion)³			17.8				19.6				20.3				22.0				24.9				26.4				28.5				30.0				31.0				3	%			24	%
Personal ($ billion)			10.7				12.0				12.3				13.6				15.6				16.7				17.6				18.8				19.5				4	%			25	%
Business ($ billion)			7.1				7.6				8.0				8.4				9.3				9.7				10.9				11.2				11.5				3	%			24	%
Assets under custody ($ billion)⁴			4.3				5.1				5.4				5.8				6.6				7.5				8.5				9.0				10.2				13	%			55	%
Customer holdings ($ billion)⁵			22.1				24.7				25.7				27.8				31.5				33.9				37.0				39.0				41.2				6	%			31	%

Note: Unaudited numbers

* We present cross-border volume on a constant currency basis to facilitate comparison of underlying growth trends without the effects of exchange rate fluctuations. To calculate cross-border volume on a constant currency basis, we translate volume for the current period using the average monthly exchange rates from the comparable prior period for operations with functional currencies other than the U.S. dollar.

Differences between ‘total’ rows and the sum of the constituent components of personal and business are due to rounding.

¹ Total number of unique customers who have completed at least one cross-border transaction in the given period.

² Cross-border volume only.

³ Customer balances do not include Assets Under Custody which are not recognised on Wise’s balance sheet.

⁴ Assets under custody represent customer deposits held via Wise Assets.

⁵ Customer holdings is the sum of customer balances held directly and those held via Wise Assets (which are not recognised on Wise’s balance sheet).

4

Historical quarterly financials

Quarterly		Q1 FY2025				Q2 FY2025				Q3 FY2025				Q4 FY2025				Q1 FY2026				Q2 FY2026				Q3 FY2026				Q4 FY2026				Q1 FY2027				QoQ Movement				Q YoY Movement
Cross-border revenue ($ million)			266.4				270.2				272.6				262.5				286.8				305.0				326.5				338.7				349.8				3	%			22	%
Card and other revenue ($ million)			101.1				120.9				125.4				127.2				138.0				153.4				169.7				175.5				191.1				9	%			38	%
Interest income on customer balances ($ million)			187.3				198.1				190.6				182.3				196.5				202.5				204.5				202.6				225.4				11	%			15	%
Interest expense on customer liabilities ($ million)			(52.1	)			(56.6	)			(49.0	)			(48.0	)			(48.0	)			(50.4	)			(49.5	)			(49.0	)			(52.3	)			7	%			9	%
Net revenue ($ million)			502.7				532.6				539.6				524.0				573.3				610.5				651.2				667.8				714.0				7	%			25	%
Cross-border take rate (%)			0.64	%			0.59	%			0.56	%			0.53	%			0.52	%			0.52	%			0.52	%			0.51	%			0.50	%			-1.0	bps			-2.0	bps
Personal (%)			0.68	%			0.64	%			0.62	%			0.58	%			0.57	%			0.57	%			0.57	%			0.56	%			0.56	%			+0.0	bps			-1.0	bps
Business (%)			0.51	%			0.45	%			0.42	%			0.40	%			0.39	%			0.39	%			0.40	%			0.39	%			0.39	%			+0.0	bps			+0.0	bps

Note: Unaudited numbers

Differences between ‘total’ rows and the sum of the constituent components of personal and business are due to rounding.

5

Filing Exhibits & Attachments

1 document

Press Releases

• EX-99.1 EX-99.1 70.2 KB