How to Trade Wise After FY26 Earnings
July 13, 2026 09:30
Wise, formerly known as TransferWise, is a UK-headquartered financial technology company. It was founded in 2011 by Kristo Käärmann and Taavet Hinrikus, who, frustrated by their own experiences, sought to create a cheaper, more transparent way for people to move money across borders.
Since then, the company has expanded to serve around 19 million people and businesses around the world. Its 2021 rebrand from TransferWise to simply Wise reflected the ambition to diversify its business beyond money transfers.
At the end of June, Wise released mixed full-year results, weeks after it had been revealed that the fintech was under investigation by Belgian authorities. Keep reading to find out more and learn what analysts are forecasting for the stock.
The information in this article is provided for educational purposes only and does not constitute financial advice. Consult a financial advisor before making investment decisions.
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Wise Full-Year Earnings Summary
- Net revenue jumped 19% to $2.5 billion, up from $2.1 billion a year before. Despite being founded primarily as a cross-border transfer company, Wise has managed to significantly diversify its revenue sources:
- Cross border revenue rose 17% to $1,257.0 million
- Net interest income (interest earned on customer balances less interest paid out) increased 10% to $609.2 million
- Card revenue rose 40% to $391.6 million
- Other revenue grew 26% to $245.0 million
- Operating expenses jumped 39% to $1,912.1 million, as Wise increased its headcount and incurred one-off costs from moving its primary listing to the Nasdaq exchange.
- Consequently, despite impressive revenue growth, income before tax fell 8% to $660.4 million, down from $717.5 million the previous year.
- The average cross-border take rate fell to 0.52% from 0.58%. However, management stressed that this was “not a headwind”, but a strategic decision to pass savings onto customers in order to drive higher volumes.
- The strategy appears to have borne fruit. Active customers rose 21% year on year to 19 million, driving record cross-border volume of $243.5 billion, an increase of 31%.
- Total customer holdings with Wise grew 40% to $39 billion, including $9 billion held through Wise Assets. Customer balances held with Wise rose 36% to $30 billion.
- It also expanded its infrastructure and reach, adding two new direct connections to payment systems in Brazil and Japan, and securing new licenses in South Africa, the UAE and Thailand.
- Wise repurchased 35.9 million shares for over $470 million over the course of the year and announced a new buyback programme of over $500 million.
Source: Wise - Full-Year Results for the Year Ended 31 March 2026
Wise’s 12-Month Analyst Stock Price Forecast
According to 12 analysts, polled by TipRanks, offering a 12-month stock price forecast for Wise over the past 3 months:
- Buy Ratings: 10
- Hold Ratings: 1
- Sell Ratings: 1
- Average Price Target: 1,203.35p
- High Price Target: 1,450.00p
- Low Price Target: 760.00p
Source: Admirals Stock List Macroscope – Wise. Date captured: 10 July 2026. Past performance is not a reliable indicator of future results.
Trading Strategy Example: Wise
The following trading examples are for educational purposes only and do not constitute investment advice. Investors should conduct independent research before making trading decisions. An example trading idea for Wise could be as follows:
Wise shares have experienced a fair amount of volatility in 2026. After rising more than 20% in the first four months of the year, share price began moving lower in May.
Share price then took a considerable hit on 1 June, after it was revealed that the fintech was being investigated by Belgian authorities over potential money laundering offences.
The investigation is currently ongoing and is reportedly at an “advanced stage”. No charges have yet been brought against Wise, and it’s entirely possible that none will be, depending on what the authorities do or don’t find.
However, for anyone considering buying the stock, the situation is worth monitoring, as further developments are likely to increase volatility. Depending on what the final outcome is, the investigation could have a negative impact on share price.
How to Buy Wise Stock in 4 Steps
- Open an account with Admirals and complete the onboarding process to access the dashboard.
- Click on Trade or Invest on one of your live or demo accounts to open the Admirals Platform.
- Search for your stock in the search window at the top.
- Input your entry, stop-loss and take profit levels in the trading ticket.
Do You See the Wise Stock Price Moving Differently?
If you believe there is a higher chance that the share price of Wise will move lower, then you can also trade short using CFDs (Contracts for Difference). However, these have higher associated risks and are not suitable for all investors. Learn more about CFDs in this How to Trade CFDs article.
The given data provides additional information regarding all analysis, estimates, prognosis, forecasts, market reviews, weekly outlooks or other similar assessments or information (hereinafter “Analysis”) published on the websites of Admirals investment firms operating under the Admirals trademark (hereinafter “Admirals”) Before making any investment decisions please pay close attention to the following:
