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Wise Group plc

Wise Group plc is a business services company, listed on Nasdaq (WSE).1

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Last updated Oct 21, 2026.

Overview

$1.9BRevenue, fiscal 20262
$498.7MNet income, fiscal 20262

Compare with Wright Express, FICO or ExlService Holdings, Inc., or pick any stock.

  • TickerWSE on Nasdaq1
  • IndustryServices-Business Services, NEC1
  • HeadquartersY91
  • Incorporated inJersey3
  • Business address65 Clifton Street, London, Ec2A 4Je3
  • Filer categoryNon-accelerated filer3

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Fifteen years ago, we set out with a simple but visionary goal that became the mission for Wise: money without borders. To do this, we have built an innovative infrastructure to power the world’s money, achieving many important milestones along the way.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2026

31.2%Operating margin2
26.3%Net margin2
22.5%Revenue growth, 20262
25.9%Return on equity2
0.17×Debt to equity2
$7.5BFree cash flow2

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Cross Border Sevices brought in 66% of the revenue Wise Group plc broke down this way in fiscal 2026.

  1. Cross Border Sevices$1.3B266%up 17% from 2025
  2. Card Services$391.6M221%up 40% from 2025
  3. Other Services$245.0M213%up 26% from 2025
Products and services by year
Products and services202420252026
Cross Border Sevices$999.7M$1.1B$1.3B
Card Services$207.2M$280.5M$391.6M
Other Services$116.2M$194.1M$245.0M

Regions

Europe brought in 30% of the revenue Wise Group plc broke down this way in fiscal 2026.

  1. Europe$569.4M230%up 22% from 2025
  2. Asia Pacific$450.5M224%up 34% from 2025
  3. United Kingdom$329.1M217%up 14% from 2025
  4. Rest of the World$282.7M215%up 26% from 2025
  5. United States$261.9M214%up 14% from 2025
Regions by year
Regions202420252026
Europe$404.6M$467.0M$569.4M
Asia Pacific$272.0M$336.5M$450.5M
United Kingdom$254.8M$288.9M$329.1M
Rest of the World$182.1M$224.2M$282.7M
United States$209.6M$229.7M$261.9M

Where the money goes

Where each dollar of revenue went, fiscal 2026

  • Other costs65¢$1.2B
  • Income tax9¢$161.7M
  • Profit26¢$498.7M

Out of $1.9B in revenue.2

Where each dollar of operating cash went, fiscal 2026

  • Capital spending0¢$19.6M
  • Kept or used elsewhere100¢$7.5B

Out of $7.6B of cash from operations.2

Financial statements

Revenue2$1.9B in 2026+43% since 2024
0$500.0M$1.0B$1.5B$2.0B2024: $1.3B$1.3B20242025: $1.5B$1.5B2025+17%2026: $1.9B$1.9B2026+22%
Operating income2$590.7M in 2026−9% since 2024
0$200.0M$400.0M$600.0M$800.0M2024: $650.1M$650.1M20242025: $728.2M$728.2M2025+12%2026: $590.7M$590.7M2026−19%
Net income2$498.7M in 2026−1% since 2024
0$200.0M$400.0M$600.0M2024: $501.5M$501.5M20242025: $550.3M$550.3M2025+10%2026: $498.7M$498.7M2026−9%

Every line of the income statement as filed: the last 3 fiscal years, latest first.2

Period ending2026-03-312025-03-312024-03-31
Transaction revenue$1.9B$1.5B$1.3B
Interest income on customer balances$806.1M$758.3M$610.0M
Interest expense on customer liabilities-$196.9M-$205.7M-$157.0M
Net revenue$2.5B$2.1B$1.8B
Transaction expense-$513.6M-$378.0M-$331.5M
Transaction and credit losses-$13.9M-$11.6M-$15.7M
Technology and development-$434.3M-$314.1M-$287.6M
Servicing-$396.6M-$287.5M-$216.9M
Marketing and sales-$171.8M-$106.1M-$79.6M
General and administrative-$381.9M-$273.4M-$194.7M
Total operating expenses-$1.9B-$1.4B-$1.1B
Operating income$590.7M$728.2M$650.1M
Other income/(loss), net$69.7M-$10.7M$6.6M
Income before tax$660.4M$717.5M$656.7M
Income tax expense-$161.7M-$167.2M-$155.2M
Net income$498.7M$550.3M$501.5M
Net income per share basic, in cents$48.92$53.31$48.57
Net income per share diluted, in cents$48.43$52.63$47.81
Weighted average shares outstanding basic1.0B shares1.0B shares1.0B shares
Weighted average shares outstanding diluted1.0B shares1.0B shares1.0B shares
Gain on foreign currency translation$59.8M$20.8M$10.9M
Unrealized gain/(loss) on Available-For-Sale debt securities, net$7.9M$14.8M-$24.6M
Other comprehensive income/(loss), net of tax$67.7M$35.6M-$13.7M
Total comprehensive income$566.4M$585.9M$487.8M
Other comprehensive income/(loss)$2.6M$5.2M-$8.6M

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Corporate structure

Wise Group plc sits at the top of its group. 1 entity on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Wise Group plc

  • Wise Group plc Y9

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Wise Group plc reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Accumulated depreciation$55.5M2 Mar 31, 2026$56.9M2 Mar 31, 2025−2.5%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$27.8B2 Mar 31, 2026$18.1B2 Mar 31, 2025+53.9%
Marketable securities, current$4.6B2 Mar 31, 2026$6.0B2 Mar 31, 2025−23.8%

Intangibles and goodwill

ItemLatestA year beforeChange
Intangible assets, net (excluding goodwill)$4.5M2 Mar 31, 2026$5.1M2 Mar 31, 2025−11.8%

Leadership

Who has led Wise Group plc, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Kristo Kaarmann2026–now

Chief financial officer

  1. Emmanuel Francois Jean-Claude Laurent Thomassin2026–now
Board members and other officers (11)

Timeline

  1. May 8, 2026New chief executive Kristo Kaarmann becomes CEO5

Filings

52 filings to the SEC since October 2021: 1 annual reports, 14 insider forms, 3 large holders, 34 other. The latest 20:

  1. Oct 15, 20266-K EDGAR
  2. Oct 13, 20266-K TRANSACTION IN OWN SHARES EDGAR
  3. Oct 13, 20266-K EDGAR
  4. Oct 6, 20266-K TRANSACTION IN OWN SHARES EDGAR
  5. Sep 29, 20266-K TRANSACTION IN OWN SHARES EDGAR
  6. Sep 24, 20266-K EDGAR
  7. Sep 22, 20266-K TRANSACTION IN OWN SHARES EDGAR
  8. Sep 15, 20266-K TRANSACTION IN OWN SHARES EDGAR
  9. Sep 8, 20266-K TRANSACTION IN OWN SHARES EDGAR
  10. Sep 2, 20266-K TRANSACTION IN OWN SHARES EDGAR
  11. Aug 27, 20266-K EDGAR
  12. Aug 25, 20266-K TRANSACTION IN OWN SHARES EDGAR
  13. Aug 18, 20264 EDGAR
  14. Aug 18, 20266-K TRANSACTION IN OWN SHARES EDGAR
  15. Aug 17, 20266-K EDGAR
  16. Aug 14, 2026SCHEDULE 13G EDGAR
  17. Aug 11, 2026SCHEDULE 13G EDGAR
  18. Aug 11, 20266-K TRANSACTION IN OWN SHARES EDGAR
  19. Aug 5, 20266-K EDGAR
  20. Jul 23, 20266-K EDGAR

The 52 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

2 open-market trades by officers, directors and large owners since October 2021: 0 buys and 2 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jul 16, 2026Sinha HarshChief Technology OfficerSale42,101$12.86$541.4KForm 4
Jul 16, 2026Peiris NilanChief Product OfficerSale58,262$12.86$749.2KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

SEC filer profile

How Wise Group plc is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARWise Group plc1
  • CIK0002099039
  • Filer statusNon-accelerated filer not an emerging growth company; not a shell company4
  • Incorporated inJersey4
  • Fiscal year endsMarch 311
  • Industry code (SIC)7389 Services-Business Services, NEC1
  • SEC reviewing officeOffice of Trade & Services, Division of Corporation Finance1
  • Business address65 Clifton Street, London, EC2A 4JE, United Kingdom1
  • Phone44 20 3974 13211
  • Shares outstanding1,025,164,562 Common Class A shares; 204,338,749 Common Class B shares as of May 31, 20264
  • AuditorPricewaterhouseCoopers LLP, London, United Kingdom PCAOB ID 876; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceDec 8, 20251
  • Filings52 in all: 6-K (23), 3 (11), DRS/A (4), 4 (3), SCHEDULE 13G (3), S-8 (2), 20-F (1), 20FR12B (1)1
    All 12 form types

    20FR12B/A (1), CERT (1), DRS (1), SEC STAFF ACTION (1)

  • Latest filingsAnnual report (20-F) Jun 25, 2026

Securities registered for trading

ClassSymbolExchange
Class A ordinary shares, nominal value $0.01 per shareWSEThe Nasdaq Global Select Market

From the cover page of the 20-F filed Jun 25, 2026 (Section 12(b) of the Exchange Act).4

Sources

The numbers on this page point here. Each one links to the record it came from.

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