Wise Group plc provides cross-border and domestic financial services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally.
Not yet scored
13.20 USD
At the last full screen 2026-09-03
Screened 2026-09-03 · the tape above runs as of 13:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markdown label.
Wise Group Plc holds its Markdown at $13.20.
As held on the ledger · 2026-09-03
Phase
Markdown · caution
Price at the screen
$13.20
Valuation
27.50 trailing · 18.95 forward price to earnings
Values screen
Not scored· score 70.0
Beta
0.51
The Workings
Five Screens, Shown in Full
This security has not been fully scored against the values screen yet.
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
0.96%
Below 33%
Interest-bearing debt is just 1.0% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
24.19%
Below 33%
Cash held in interest-bearing accounts and securities is 24.2% of assets, under the one-third limit.
Pass
Receivables
42.98%
Below 49%
Money owed to the company is 43.0% of assets, under the 49% limit.
Pass
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-03 screen. The gold marker is the market price at the same screen. A 32.6% margin of safety to the base estimate.
Third-party analyst targets: 13 covering, consensus None. The average target sits +28% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-03 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Wise moves money where banks still struggle
Every time a freelancer in London wires earnings to family abroad the cash still snakes through a patchwork of banks and fees that traditional players never fixed. Wise handles the transfers with real scale, revenue climbing 27 percent, margins at 20 percent and return on equity hitting 27 percent. It trades at 16 times forward earnings with a 47 percent gap to our fair value, a narrow moat and a clean ethical pass.
The opportunity rating sits at none because the narrow moat leaves room for bigger rivals to chip away and because the stock already carries a strong buy label from eleven analysts whose median target sits below our number. Currency swings and regulatory shifts in key corridors add further uncertainty that a low multiple alone does not erase.
The risks · The things to watch: its business and earnings are exposed to United Kingdom and to currency swings.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
WSE trades on NASDAQ (the company is based in United Kingdom). As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-09-13Markdown$13.20Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C. Technically it is momentum reading bearish. The street (6 analysts) rates it strong buy, with a mean price target of $17.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.