Wise is a currency conversion platform utilizing a peer-to-peer network to reduce transfer costs. The group focuses primarily on private clients and small and midsize enterprises. 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

6/10

Name	Current	Vs Industry
Cash-To-Debt	42.88
Equity-to-Asset	0.05
Debt-to-Equity	0.42
Debt-to-EBITDA	0.95
Interest Coverage	18.97
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.65	Distress Grey Safe
Beneish M-Score	-3.34	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	46
	3-Year EBITDA Growth Rate	55.2
	3-Year EPS without NRI Growth Rate	93.7
	3-Year FCF Growth Rate	47.2
	3-Year Book Growth Rate	41.7
	Future 3-5Y EPS without NRI Growth Rate	20.34
	Future 3-5Y Total Revenue Growth Rate	24.37

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	15.79
	9-Day RSI	22.02
	14-Day RSI	28.58
	6-1 Month Momentum %	42.2
	12-1 Month Momentum %	70.44

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.05
	Quick Ratio	1.05
	Cash Ratio	1.02
	Days Sales Outstanding	55.27
	Days Payable	7.01

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-1
	Shareholder Yield %	-1.5

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	67.77
	Operating Margin %	23.2
	Net Margin %	17.03
	FCF Margin %	286.17
	ROE %	36.73
	ROA %	1.81
	ROIC %	53.03
	ROC (Joel Greenblatt) %	1334.26
	ROCE %	44.45
	Years of Profitability over Past 10-Year	5

GF Value Rank

	Name	Current	Vs Industry		Vs History
	PE Ratio	39.03
	Forward PE Ratio	27.93
	PE Ratio without NRI	39.03
	Price-to-Owner-Earnings	2.12
	PS Ratio	6.65
	PB Ratio	11.18
	Price-to-Tangible-Book	11.33
	Price-to-Free-Cash-Flow	2.33
	Price-to-Operating-Cash-Flow	2.32
	EV-to-EBIT	-15.63
	EV-to-Forward-EBIT	34.29
	EV-to-EBITDA	-14.57
	EV-to-Forward-EBITDA	22.4
	EV-to-Revenue	-3.74
	EV-to-Forward-Revenue	5
	EV-to-FCF	-1.3
	Price-to-Graham-Number	4.42
	Price-to-Net-Current-Asset-Value	14.11
	Price-to-Net-Cash	42.34
	Earnings Yield (Greenblatt) %	-6.4
	FCF Yield %	44.3

GF Value

LSE:WISE

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with WISE. Try a 7-Day Free Trial to check it out.

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