Wise plc
Wise plc Fundamental Analysis
Wise plc (WIZEY) shows strong financial fundamentals with a PE ratio of 23.97, profit margin of 21.52%, and ROE of 27.39%. The company generates $1.7B in annual revenue with strong year-over-year growth of 27.89%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 86.4/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze WIZEY's fundamental strength across five key dimensions:
Efficiency Score
WeakWIZEY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentWIZEY trades at attractive valuation levels.
Growth Score
ExcellentWIZEY delivers strong and consistent growth momentum.
Financial Health Score
ExcellentWIZEY maintains a strong and stable balance sheet.
Profitability Score
ExcellentWIZEY achieves industry-leading margins.
Key Financial Metrics
Is WIZEY Expensive or Cheap?
P/E Ratio
WIZEY trades at 23.97 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, WIZEY's PEG of -4.23 indicates potential undervaluation.
Price to Book
The market values Wise plc at 6.46 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 20.05 times EBITDA. This signals the market has high growth expectations.
How Well Does WIZEY Make Money?
Net Profit Margin
For every $100 in sales, Wise plc keeps $21.52 as profit after all expenses.
Operating Margin
Core operations generate 28.36 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $27.39 in profit for every $100 of shareholder equity.
ROA
Wise plc generates $1.75 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Wise plc generates strong operating cash flow of $2.81B, reflecting robust business health.
Free Cash Flow
Wise plc generates strong free cash flow of $2.77B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.77 in free cash annually.
FCF Yield
WIZEY converts 31.51% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
23.97
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-4.23
vs 25 benchmark
P/B Ratio
Price to book value ratio
6.46
vs 25 benchmark
P/S Ratio
Price to sales ratio
5.03
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.27
vs 25 benchmark
Current Ratio
Current assets to current liabilities
140.08
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.27
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How WIZEY Stacks Against Its Sector Peers
| Metric | WIZEY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 23.97 | 34.43 | Better (Cheaper) |
| ROE | 27.39% | 1135.00% | Weak |
| Net Margin | 21.52% | -134808.00% (disorted) | Strong |
| Debt/Equity | 0.27 | 7.92 | Strong (Low Leverage) |
| Current Ratio | 140.08 | 5.77 | Strong Liquidity |
| ROA | 1.75% | -310795.00% (disorted) | Weak |
WIZEY outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Wise plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
181.63%
Industry Style: Growth, Innovation, High Beta
High GrowthEPS CAGR
1210.72%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
78.44%
Industry Style: Growth, Innovation, High Beta
High Growth