The strong revenue and volume growth, coupled with guidance for continued growth and profitability, support a bullish view. Traders should watch for continued customer and volume momentum into FY2027 and monitor execution against the growth investments that weighed on FY2026 operating income. The announced $500M+ buyback program provides downside support.
Price Chart
Executive Summary
Wise Group plc's FY2026 20-F and accompanying 6-K earnings release show strong growth: net revenue +19% YoY to $2.5B, cross-border volume +31% to $243B, and active customers +21% to 18.9M. Operating income declined 19% to $590.7M due to increased investment in headcount, technology, and marketing, while net income fell 9% to $498.7M. The company guided FY2027 net revenue growth around the middle of its 15-20% medium-term target range and an income before tax margin around the top of the 20-25% range.
Key Facts
- Net revenue of $2.5B, up 19% YoY, at the top end of the medium-term target range.
- Cross-border volume of $243.5B, up 31% YoY.
- Active customers of 18.9M, up 21% YoY.
- Income before tax margin of 26%, above the guided 20-25% range.
- Customer holdings of $39B, up 40% YoY.
- The company announced an intention to commence a new share purchase program expected to be over $500M.
- FY2027 guidance: net revenue growth around the middle of the 15-20% target range; income before tax margin around the top of the 20-25% range.
- FY2026 operating income declined 19% to $590.7M due to increased investment.
- Net income declined 9% to $498.7M.
Financial Impact
Net revenue increased by $403.9M YoY. Net income declined by $51.6M YoY. The company expects to deploy $500M+ in share buybacks.
Risk Factors
- The ongoing Brussels prosecutor inquiry into Wise Europe SA remains an unresolved regulatory overhang.
- Intense competitive pressure from traditional banks and fintech rivals could pressure take rates and margins.
- The identified material weaknesses in internal controls may lead to increased compliance costs or reputational risk.
Market Snapshot
Documents Analyzed
This report is based on 2 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 20-F Filing (Primary) | 0001193125-26-282911 |
| Document: d17323dex11.htm | 0001193125-26-282911 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 3d ago | 3 | $11.07 | awaiting T+5 | — | $10.99 (−0.72%) |
Oct 20, 2026 6d ago | 6-K | $11.01 | awaiting T+5 | — | $10.99 (−0.18%) |
Oct 19, 2026 7d ago | Insider Cluster | $11.01 | awaiting T+5 | — | $10.99 (−0.18%) |
Oct 15, 2026 11d ago | 6-K | $10.98 $11.08 | ▲ +0.91% | ▲ +0.82% | $10.99 (+0.09%) |
Oct 15, 2026 11d ago | Press Release | $10.98 $11.07 | ▲ +0.82% | ▲ +1.25% | $10.99 (+0.09%) |
Oct 13, 2026 13d ago | 6-K | $12.22 $11.01 | ▼ −9.90% | ▼ −8.75% | $10.99 (−10.07%) |
Oct 13, 2026 13d ago | 6-K | $12.22 $11.01 | ▼ −9.90% | ▼ −8.75% | $10.99 (−10.07%) |
Oct 6, 2026 20d ago | 6-K | $11.76 $12.22 | ▲ +3.91% | ▲ +4.05% | $10.99 (−6.55%) |
Sep 29, 2026 27d ago | 6-K | $11.38 $11.76 | ▲ +3.34% | ▲ +1.39% | $10.99 (−3.43%) |
Sep 24, 2026 4w ago | 6-K | $11.30 $11.42 | ▲ +1.06% | ▲ +1.48% | $10.99 (−2.74%) |
US Market Status
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