Wise Group plc

WSE

Wise Group plc provides cross-border and domestic financial services in the United Kingdom, the rest of Europe, the Asia-Pacific, North America, and internationally. It offers money transfers, currency conversions, and account services.

About the company

Country: JerseyPrice: $11.23Market Cap: $10.8B

Investment snapshot

41%positive consensus

Scored 1d ago

Positive

BUY / PASS

Neutral / negative

5 / 4

NEUTRAL / FAIL

Median fair value

$31.30

+178.7% vs price

Models with upside

8 / 17

Positive margin of safety

Strongest signal

9 of 10 pass — Buffett objects

Key risk

Split decision: 5 BUY · 5 NEUTRAL · 4 FAIL · 2 PASS

Framework analysis

Verdict	Meaning
BUY	Positive purchase signal: the framework's buy requirements are met.
PASS	The company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state.
NEUTRAL	Neither a positive nor negative conclusion. It does not mean to hold an existing position.
FAIL	The company does not clear the framework's requirements.
Ranked	Ranked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL.

Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.

Metric	Graham Defensive Value	Buffett Quality Compounder	Lynch GARP	Greenblatt Magic Formula	Piotroski F-Score	Dreman Contrarian Value	Munger Quality Focus	Pabrai Dhandho Framework	Akre Three-Legged Stool	Marks Risk-Aware Value	Ackman Activist Value	Templeton Global Bargain Hunter	Sleep Scale Economies Shared	Asness Systematic Factors	Neff Low-P/E Total Return	Schloss Asset-Value Discipline	O'Shaughnessy Systematic Factor Composite
Verdict	PASS	FAIL	BUY	Not ranked	PASS	NEUTRAL	BUY	NEUTRAL	BUY	BUY	BUY	FAIL	NEUTRAL	NEUTRAL	FAIL	FAIL	NEUTRAL
Score
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Intrinsic Value (annual)					N/A								N/A	N/A	N/A	N/A	N/A
Margin of Safety	+75.1%	-96.3%	+64.1%	-122.8%	N/A	+98.5%	+95.5%	-45.1%	+44.2%	+98.5%	+95.7%	+15.1%	N/A	N/A	N/A	N/A	N/A
Financial Basis	Annual history · FY 2025 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 · Market data at 2026-11-01 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2025 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2025 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 · Market data at 2026-11-01 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 · Price history 2026-08-01–2026-11-01 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 · Price history 2026-08-01–2026-11-01 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-06-25 Score computed: 2026-11-14	Annual history · FY 2025 · Price history 2026-08-01–2026-11-01 Latest source filing: 2026-06-25 Score computed: 2026-11-14

Where It Passes

Cash Flow90% pass✓ 11✗ 1▾
9 of 10 pass — Buffett objects
Free Cash Flow Proxy$498.7M
✗BuffettPositive and growing
FCF Positive and Growing$7.5B
✓LynchPositive and growing
Operating Cash Flow$7.6B
✓PiotroskiCFO > 0
(CFO / Total Assets) vs ROACFO/Assets=22.71%, ROA=1.50%
✓PiotroskiCFO/Assets > ROA
Price / (CFO / Shares)1.5x
✓Dreman< 8x
P/E or FCF YieldP/E=0.2x, FCF Yield=69.5%
✓PabraiP/E < 15 or FCF Yield > 10%
FCF Positive3/3 years FCF positive
✓MarksPositive FCF in majority of recent years
(OCF - CapEx) / Market Cap65.2%
✓Ackman>= 4%
Price / FCF per Share1.5x
✓Ackman<= 25
Positive Operating Cash Flow frequency3/3 years positive
✓SleepPositive OCF in >= 70% of available years
Operating Cash Flow - Capital Expenditures$7.5B
✓Neff> $0 (app proxy for a strong fundamental case)
(Operating cash flow - capex) / market capitalization+69.53%; #72/4519 (top 1.6%)
✓OshaughnessyTop 10% of eligible cross-section
Valuation models73% pass✓ 8✗ 3▾
Models split on WSE at $11.23 — fair values range $5.04–$744.35
Graham fair value$45.14
✓Graham+75.1% margin vs $11.23
Buffett fair value$5.72
✗Buffett-96.3% margin vs $11.23
Lynch fair value$31.30
✓Lynch+64.1% margin vs $11.23
Greenblatt fair value$5.04
✗Greenblatt-122.8% margin vs $11.23
Dreman fair value$744.35
✓Dreman+98.5% margin vs $11.23
Munger fair value$249.22
✓Munger+95.5% margin vs $11.23
Pabrai fair value$7.74
✗Pabrai-45.1% margin vs $11.23
Akre fair value$20.14
✓Akre+44.2% margin vs $11.23
Marks fair value$744.35
✓Marks+98.5% margin vs $11.23
Ackman fair value$262.13
✓Ackman+95.7% margin vs $11.23
Templeton fair value$13.23
✓Templeton+15.1% margin vs $11.23
Debt & Leverage67% pass✓ 11✗ 4▾
8 of 12 pass — Piotroski, Dreman, Asness +1 more object
LT Debt vs Net Current AssetsLT Debt $328.7M vs NCA $2.2B
✓GrahamLT Debt <= Net Current Assets
Debt/Equity & Interest CoverageD/E: 0.17, IC: 37.2x
✓BuffettD/E < 0.5 AND Interest Coverage > 5x
Total Debt / Equity0.17
✓Lynch< 0.33
Cash - Long-term Debt$27.5B
✓LynchPositive preferred
LT Debt / Total Assets Change0.00% -> 0.99%
✗PiotroskiDecreased YoY
Current Assets / Current Liabilities1.07
✗Dreman> 1.5✗SchlossCurrent ratio >= 1.50x (app cutoff)
Total Debt / Shareholders' Equity0.17
✓Dreman< 0.8✓Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✓SchlossD/E < 1.00x
Debt Levels0.17
✓MungerDebt/Equity < 0.5✓AkreDebt/Equity < 0.3
Interest Coverage & Debt/EBITDAIC=37.2x, D/EBITDA=0.6x
✓MarksInterest Coverage > 3x; Debt/EBITDA < 4x
Total Debt / Shareholders Equity0.17
✓Ackman<= 1.0
Negative debt-to-equity (higher means less debt)-0.1739; #1585/4210 (top 37.6%)
✗AsnessTop 30% of eligible cross-section
Verdicts64% pass✓ 7✗ 4▾
Split decision: 5 BUY · 5 NEUTRAL · 4 FAIL · 2 PASS
Overall verdict
✓GrahamPASS (4/9)✗BuffettFAIL (2/9)✓LynchBUY (7/7)•GreenblattNot ranked✓PiotroskiPASS (F-Score 4)•DremanNEUTRAL (7/11)✓MungerBUY (4/4)•PabraiNEUTRAL (2/3)✓AkreBUY (5/6)✓MarksBUY (5/5)✓AckmanBUY (7/9)✗TempletonFAIL (3/8)•SleepNEUTRAL (4/6)•AsnessNEUTRAL (Not ranked)✗NeffFAIL (2/6)✗SchlossFAIL (1/7)•OshaughnessyNEUTRAL (Not ranked)

Where It Falls Short

Growth25% pass✓ 6✗ 7▾
6 of 8 flag WSE's growth — Graham, Dreman, Ackman +3 more
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Basic earnings-growth PEG (dividends excluded)0.36
✓Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR0.6%
✓Lynch15-30% (Fast Grower); > 0% to pass
Inventory Growth vs Revenue GrowthN/A (no inventory)
✓LynchInventory growth < Revenue growth
EPS Growth Direction$47.81 (2023) -> $48.43 (2025)
✓DremanPositive over recent years
EPS CAGR0.6% CAGR over 2 years
✗Dreman> 5% annualized
Positive Net Income Frequency3/3 years positive
✓MarksPositive net income in >= 7 of last 10 years
3yr Median Revenue Growth19.7%
✓Ackman>= 5%
Positive EPS Growth Frequency1/2 years with positive EPS growth
✗AckmanPositive EPS growth in >= 3 of last 5 years
5-Year EPS CAGR
✗Templeton> 0% (5-year EPS CAGR)
Revenue growth vs. gross and operating margin trendrevenue up, operating margin 49.1% -> 31.2%
✗SleepRevenue rising; gross margin flat or falling; operating margin holding
5-year Revenue CAGR
✗SleepCAGR > 7%
3-5 Year Diluted EPS CAGR
✗Neff7%-20% annualized
Efficiency25% pass✓ 3✗ 8▾
6 of 8 flag WSE's efficiency — Graham, Buffett, Greenblatt +3 more
Current Ratio1.07
✗Graham>= 2.0
ROIC (3-5 yr avg)
✗Buffett> 10%
ROIC - WACC
✗BuffettPositive (WACC = 10%)
EBIT / (NWC + Net Fixed Assets)N/A (invested capital <= 0)
✗Greenblatt> 25%
Current Ratio Change YoY1.07 -> 1.07
✗PiotroskiIncreased YoY
Revenue / Total Assets Change YoY0.06x -> 0.06x
✗PiotroskiImproved YoY
Current Assets / Current Liabilities1.07
✗Dreman> 1.5
Return on Invested Capital20.6%
✓Munger> 15%
ROIC (high and growing)FY2023: ROIC=unavailable; FY2024: ROIC=30.8%; FY2025: ROIC=20.6%
✗AkreLatest 3 consecutive FYs: ROIC > 15% in each
Reinvestment Rate x ROIC20.6% (RR=100% x ROIC=20.6%)
✓AkreReinvestment Rate * ROIC > 10%
ROIC (5-year)2/2 years above 12% (latest 20.6%)
✓SleepROIC > 12% in a majority of years
Profitability38% pass✓ 16✗ 19▾
10 of 16 flag WSE's profitability — Graham, Buffett, Greenblatt +7 more
Net income / market capitalization+4.60%; #1808/6340 (top 28.5%)
✓AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
Positive EPS (10 years)3/4 years positive
✗GrahamPositive EPS every year for 10 years
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Net Income Positive (10+ years)3/4 years positive
✗BuffettPositive every year for 10+ years
ROE (up to 5-year arithmetic mean)33.5%
✓Buffett> 15% arithmetic mean (app rule)
Operating Margin (10-yr trend)
✗BuffettStable or rising over 10 years
Free Cash Flow Proxy$498.7M
✗BuffettPositive and growing
Earnings Variance (10-yr CoV)
✗BuffettCoV < 0.3
Retained Earnings Effectiveness
✗Buffett$1 retained -> > $1 market value created
Basic earnings-growth PEG (dividends excluded)0.36
✓Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR0.6%
✓Lynch15-30% (Fast Grower); > 0% to pass
ROE25.9%
✓Lynch> 15%
EBIT / Enterprise ValueN/A (EV <= 0)
✗Greenblatt> 10%
Earnings Yield + ROC AssessmentEY=N/A (EV <= 0), ROC=N/A (invested capital <= 0)
✗GreenblattBoth EY > 10% and ROC > 25%
Net Income / Total Assets1.50%
✓PiotroskiROA > 0
ROA Change YoY2.22% -> 1.50% (delta: -0.72%)
✗PiotroskiCurrent ROA > Prior ROA
(CFO / Total Assets) vs ROACFO/Assets=22.71%, ROA=1.50%
✓PiotroskiCFO/Assets > ROA
Gross Margin Change YoY
✗PiotroskiImproved YoY
Pre-Tax Income / Revenue34.9%
✓Dreman>= 8%
Net Income / Shareholders' Equity25.9%
✓Dreman> 12%
Margin of SafetyP/E=0.2x, P/B=6.0x
✓PabraiP/B < 1.5 or P/E < 15
Return on Equity33.5% (3-yr avg)
✓AkreROE > 20% (3-year avg)
Discount to Intrinsic Value98.5% (IV=$744.35 vs Price=$11.23)
✓Marks>= 20% below intrinsic value
Positive Net Income Frequency3/3 years positive
✓MarksPositive net income in >= 7 of last 10 years
Operating Income / Revenue31.2%
✓Ackman>= 15%
Net Income / Shareholders Equity25.9%
✓Ackman>= 15%
5-Year EPS CAGR
✗Templeton> 0% (5-year EPS CAGR)
Operating Margin Trend49.1% (2023) -> 31.2% (2025)
✗TempletonNon-negative operating-margin trend over 3 years
Revenue growth vs. gross and operating margin trendrevenue up, operating margin 49.1% -> 31.2%
✗SleepRevenue rising; gross margin flat or falling; operating margin holding
Gross profit / total assets
✗AsnessTop 30% of eligible cross-section
Net income / positive book equity+25.90%; #562/5226 (top 10.8%)
✓AsnessTop 30% of eligible cross-section
Negative 5-year standard deviation of ROA
✗AsnessTop 30% of eligible cross-section
3-5 Year Diluted EPS CAGR
✗Neff7%-20% annualized
Positive Diluted-EPS Years
✗Schloss>= 70% positive over 5-10 observed years (app rule)
Valuation38% pass✓ 14✗ 14▾
8 of 13 flag WSE's valuation — Graham, Greenblatt, Dreman +5 more
Net income / market capitalization+4.60%; #1808/6340 (top 28.5%)
✓AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
Price / 3-yr avg EPS0.2x
✓Graham<= 15x
Price-to-Book Ratio6.0x
✗Graham<= 1.5x
P/E x P/B1.40
✓Graham<= 22.5
Basic earnings-growth PEG (dividends excluded)0.36
✓Lynch< 1.0 (ideally < 0.5)
EBIT / Enterprise ValueN/A (EV <= 0)
✗Greenblatt> 10%
Earnings Yield + ROC AssessmentEY=N/A (EV <= 0), ROC=N/A (invested capital <= 0)
✗GreenblattBoth EY > 10% and ROC > 25%
Price / EPS0.2x
✓Dreman< 12x✓Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)
Price / (CFO / Shares)1.5x
✓Dreman< 8x
Price / Book Value per Share6.0x
✗Dreman< 1.2x✗Templeton< 1.5x✗SchlossP/B <= 0.80x (app cutoff)
Valuation ReasonablenessP/E=0.2x, OE Yield=4.3%
✓MungerP/E < 25 or Owner Earnings Yield > 5%
P/E or FCF YieldP/E=0.2x, FCF Yield=69.5%
✓PabraiP/E < 15 or FCF Yield > 10%
P/B or P/E vs. Historical AverageP/E=0.2x, P/B=6.0x
✓MarksP/E < 15 or P/B < 2.0
Discount to Intrinsic Value98.5% (IV=$744.35 vs Price=$11.23)
✓Marks>= 20% below intrinsic value
Price / FCF per Share1.5x
✓Ackman<= 25
Price vs. Trailing Low
✗Templeton<= 120% of trailing low (certified split-adjusted live window)
Positive book equity / market capitalization+0.1777; #4305/6449 (top 66.8%)
✗AsnessTop 30% of eligible cross-section
Price / Diluted EPS0.2x
✓NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)
(EPS CAGR % + Dividend Yield %) / P/E
✗Neff> 0.7 (Neff's published traditional edge)
Price / Tangible Book Value per Share6.02x
✗SchlossP/TBV <= 1.00x (app cutoff)
Book Value per Share Change
✗SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)
Revenue / market capitalization+0.1748; #3903/5247 (top 74.4%)
✗OshaughnessyTop 10% of eligible cross-section
(Operating cash flow - capex) / market capitalization+69.53%; #72/4519 (top 1.6%)
✓OshaughnessyTop 10% of eligible cross-section
Trailing six-month price return through the evaluation date
✗OshaughnessyTop 10% of eligible cross-section

Business & financials

Financial snapshot: annual FY 2025. Current investor scores may use newer quarterly data.

Company Profile

Size: Large Cap($10.8B)

Revenue: $1.9B+22.5% YoY

Net Income: $498.7M-9.4% YoY

Financial Snapshot

Operating Margin31.2%

Return on Equity25.9%

Debt / Equity0.17

Current Ratio1.07

EPS (Diluted)$48.43−8.0% 1y

Buybacks (1y)$473.4M

Buybacks (2y)$565.9M

Shares Retired1.5% / 1.8% 2y

Similar Companies

No peer companies found in this industry.

Shareholder Return

Fiscal 2025

Retired 1.5% of shares last year, 1.8% over two.

Buybacks: $473.4M
Dividends: —

What drove EPS

A buyback raises earnings per share without the company earning more. This splits each year's change into the two.

FY24

10.1% = 9.7% + 0.3%

FY25

−8.0% = −9.4% + 1.5%

Earnings Fewer shares More shares

Share count is the denominator the filer used for diluted EPS, recovered as net income ÷ EPS — not the balance-sheet count, which is a point-in-time figure and would put the timing difference into this split. Years with a loss are omitted: a smaller share count makes a loss per share larger, so the decomposition inverts.

Company Financials

Latest TTM and quarters alongside annual years

TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.

Metric	FY 2025 Sources 20-F · 2026-06-25	FY 2024 Sources 20-F · 2026-06-25	FY 2023 Sources 20-F · 2026-06-25	FY 2022 Sources 20-F · 2026-06-25
Market Cap	$10.8Bcurrent	--	--	--
Revenue	$1.9B↑22%	$1.5B↑17%	$1.3B	--
Operating Income	$590.7M↓19%	$728.2M↑12%	$650.1M	--
Net Income	$498.7M↓9%	$550.3M↑10%	$501.5M	--
EPS (Diluted)	$48.43↓8%	$52.63↑10%	$47.81	--
Gross Margin	—	—	—	—
Operating Margin	31.2%↓34%	47.1%↓4%	49.1%	—
ROE	25.9%↓18%	31.7%↓26%	43.0%	—
Total Debt	$334.7M↑161%	$128.4M	--	--
Shareholders' Equity	$1.9B↑11%	$1.7B↑49%	$1.2B↑73%	$673.0M
Current Ratio	1.07	1.07	—	—
Debt / Equity	0.17↑135%	0.07	—	—
Operating Cash Flow	$7.6B↑32%	$5.7B↑40%	$4.1B	--
Free Cash Flow	$7.5B↑33%	$5.7B↑40%	$4.1B	--