Wise Is Poised To Capture A Multi-Trillion Dollar OpportunityA few months back, we highlighted key investment trends for the next decade—among them, cross-border finance and fintech disruption. Now, Wise plc OTC:WIZEY , a British fintech leader, is showing strong alignment with both themes, and it may soon benefit from even more investor attention as it plans to move its listing from the UK to the U.S.
🌍 What Wise Does
Wise offers low-cost, tech-driven cross-border payment services. Rather than sending money physically across borders, it uses a network of local money transfer entities to settle transactions locally. This allows the company to avoid high bank fees and offer fast, affordable currency exchanges. Currently, 65% of its international payments are settled instantly, and 95% are completed within 24 hours.
Its infrastructure, built over the past decade, gives Wise a strong moat—few competitors can replicate its speed and pricing. The company also offers personal and business multi-currency accounts, a debit card, and an investing feature called "Wise Assets." Additionally, Wise licenses its payment rails to institutions like Morgan Stanley and Monzo, creating another layer of growth potential.
📈 Financials & Growth
Wise has seen explosive growth:
- Revenue has more than tripled since 2021.
- Profits are up 7.2x during the same period.
- Active users, transfers, and customer balances are all climbing steadily.
Management expects mid-teens growth in both revenue and profits, though we see this as conservative given Wise’s network effects.
💰 Valuation & U.S. Relisting Potential
Currently valued at ~$17.8 billion with a P/E of ~24.7x, Wise trades more cheaply than many U.S. fintech peers. If EBIT projections hold—$900M in 2026 and $1.1B in 2027—the multiple could compress to ~17x, making it even more attractive.
Relisting in the U.S. could spark multiple expansion as it gains visibility and liquidity among U.S. investors. Wise trades at about 5x sales today; even a modest bump closer to 10x could signal major upside.
⚠️ Risks to Watch
Low U.S. liquidity: Shares currently trade over-the-counter under WIZEY, which comes with low volume and potential slippage.
Emerging competitors: Rivals like Remitly (RELY) are growing.
Security risks: Any breaches, like the one it faced years ago, could damage trust.
✅ Final Take
Wise stands out as a rare combination of profitability, growth, and competitive edge in a massive, underpenetrated market. With a planned U.S. relisting and strong financials, it’s well-positioned for continued upside.
Rating: Strong Buy
