Business Description
Wise PLC
ISIN : GB00BL9YR756
Share Class Description:
WPLCF: Class ADescription
Wise is a currency conversion platform matching where possible offsetting currency transactions across borders to reduce costs. The group focuses primarily on private clients and small and midsize enterprises, but is building out its platform business aimed at providing its services as a backend solution to banks. By operating local accounts in each jurisdiction Wise sends money to or receives money from, this fintech offers faster and cheaper currency transfer services than incumbents (banks). Wise has started to broaden its product offering, issuing its clients debit cards and allowing customers to invest funds into various asset-management products.
Financial Strength
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 69.13 | |||||
| Equity-to-Asset | 0.07 | |||||
| Debt-to-Equity | 0.13 | |||||
| Debt-to-EBITDA | 0.31 | |||||
| Interest Coverage | 36.22 | |||||
| Piotroski F-Score | 7/9 | |||||
| Altman Z-Score | 0.72 | |||||
| Beneish M-Score | -3.63 | |||||
| WACC vs ROIC | ||||||
Growth Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 46.7 | |||||
| 3-Year EBITDA Growth Rate | 102.3 | |||||
| 3-Year EPS without NRI Growth Rate | 133 | |||||
| 3-Year FCF Growth Rate | 12 | |||||
| 3-Year Book Growth Rate | 50.9 | |||||
| Future 3-5Y Total Revenue Growth Rate Estimate | 8.47 |
Momentum Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 48.42 | |||||
| 9-Day RSI | 47.73 | |||||
| 14-Day RSI | 49.08 | |||||
| 3-1 Month Momentum % | 19.71 | |||||
| 6-1 Month Momentum % | 10.97 | |||||
| 12-1 Month Momentum % | 75.44 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 1.08 | |||||
| Quick Ratio | 1.08 | |||||
| Cash Ratio | 0.73 | |||||
| Days Sales Outstanding | 43.12 | |||||
| Days Payable | 8.35 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Average Share Buyback Ratio | 0.5 | |||||
| Shareholder Yield % | 2.1 |
Profitability Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 72.41 | |||||
| Operating Margin % | 30.88 | |||||
| Net Margin % | 23.07 | |||||
| EBITDA Margin % | 33.14 | |||||
| FCF Margin % | 246.6 | |||||
| ROE % | 35.32 | |||||
| ROA % | 2.46 | |||||
| ROIC % | 125.85 | |||||
| 3-Year ROIIC % | 197.08 | |||||
| ROC (Joel Greenblatt) % | 771.54 | |||||
| ROCE % | 42.11 | |||||
| Years of Profitability over Past 10-Year | 7 | |||||
| Moat score | 6 | |||||
| Tariff score | 8 |
GF Value Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 27.77 | |||||
| Forward PE Ratio | 29.54 | |||||
| PE Ratio without NRI | 27.77 | |||||
| Price-to-Owner-Earnings | 2.38 | |||||
| PEG Ratio | 0.38 | |||||
| PS Ratio | 6.18 | |||||
| PB Ratio | 7.79 | |||||
| Price-to-Tangible-Book | 7.79 | |||||
| Price-to-Free-Cash-Flow | 2.49 | |||||
| Price-to-Operating-Cash-Flow | 2.48 | |||||
| EV-to-EBIT | -3.86 | |||||
| EV-to-Forward-EBIT | 34.29 | |||||
| EV-to-EBITDA | -3.74 | |||||
| EV-to-Forward-EBITDA | 22.4 | |||||
| EV-to-Revenue | -1.24 | |||||
| EV-to-Forward-Revenue | 5 | |||||
| EV-to-FCF | -0.49 | |||||
| Price-to-GF-Value | 0.85 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.05 | |||||
| Price-to-Graham-Number | 3.05 | |||||
| Price-to-Net-Current-Asset-Value | 9.42 | |||||
| Earnings Yield (Greenblatt) % | -25.91 | |||||
| FCF Yield % | 39.93 | |||||
| Forward Rate of Return (Yacktman) % | 47.93 |
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