Stock fact sheet · data as of
Wise plc (WSE): fair value, margin of safety and Wheel Score
Technology · Information Technology Services · United Kingdom · High Growth
Is WSE undervalued?
Wise plc (WSE) closed at 12.01 on 16 Oct 2026. The GLS average fair value - the simple average of the 8 valuation models that produced a positive number - is 35.92, which puts the price 67% below it. 5 of the 8 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between Graham Number (3.45) and 10 Cap (115.12). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files WSE under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for WSE
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 58.58 | +388% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 3.45 | -71% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 19.11 | +59% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 7.70 | -36% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 29.81 | +148% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 115.12 | +859% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 48.20 | +301% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 5.41 | -55% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 1.16 | -90% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 16.79 | +40% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Wise plc scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. A GLS Moat score of 7.9/10 puts WSE among the more durable businesses we track: over ten years the metrics the score watches (revenue, EPS, book value, margins, cash flow, ROIC) have mostly moved the right way, year after year.
Returns on capital are high - ROIC 20.7%, ROE 25.9%, ROA 1.5% - with debt at 0.25 times equity and a free-cash-flow yield of 63.4%.
Wise plc pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Card Services 62%, Other Services 39% (fiscal year FY2026).
Institutional ownership scores 4/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 20.7% |
|---|---|---|---|
| GLS Moat | 7.9 / 10 | ROE | 25.9% |
| Debt / equity | 0.25 | ROA | 1.5% |
| Free-cash-flow yield | 63.4% | Payout ratio | 0% |
| Institutions | 4 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 92: Prime
With a Wheel Score of 92, Wise plc sits in the Prime band - price, quality and premium all line up for the wheel strategy. The parts: Value 25/25, Health 16/20, Moat 12/15, Premium 20/20, Stability 20/20. A high score is a ranking, not a signal: it says nothing about timing, the earnings date or your position size.
Implied volatility is 53% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 2,725 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 3.5M shares a day on a market cap of $12.0B, with a beta of 0.52 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 20 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 67% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 12 / 15 | moat 7.9/10 | |
| Premium | 20 / 20 | implied volatility 53% | |
| Stability | 20 / 20 | 3.5M shares/day, $12.0B cap, beta 0.52 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 12 Nov 2026, 27 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Information Technology Services
The 12 companies below are the closest to Wise plc by market cap within the Information Technology Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| IT Gartner, Inc. | 207.31 | 379.74 | +45% | 87Prime | $13.1B |
| JKHY Jack Henry & Associates, Inc. | 156.47 | 140.31 | -12% | 71Good | $11.0B |
| CACI CACI International Inc | 611.36 | 886.73 | +31% | 85Prime | $13.5B |
| GIB CGI Inc. | 74.87 | 130.57 | +43% | 86Prime | $13.7B |
| LDOS Leidos Holdings, Inc. | 124.00 | 225.91 | +45% | 89Prime | $15.6B |
| WIT Wipro Limited | 1.80 | 62.21 | +97% | 83Prime | $17.8B |
| FIS Fidelity National Information Services, Inc. | 36.13 | 81.36 | +56% | 82Prime | $18.6B |
| CDW CDW Corporation | 154.33 | 123.73 | -25% | 65Good | $19.3B |
| BR Broadridge Financial Solutions, Inc. | 174.11 | 184.92 | +6% | 82Prime | $19.7B |
| G Genpact Limited | 37.59 | 68.55 | +45% | 93Prime | $6.4B |
| EPAM EPAM Systems, Inc. | 122.26 | 131.99 | +7% | 82Prime | $6.3B |
| INGM Ingram Micro Holding Corporation | 26.98 | 21.77 | -24% | 57Fair | $6.2B |
Screen the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the same eight-rule screen, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about WSE
Is WSE undervalued right now?
By the GLS models, yes: at 12.01 the stock is 67% below the average fair value of 35.92 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of WSE and what does it mean?
WSE scores 92 out of 100 (Prime). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for WSE?
35.92 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Wise plc report earnings next?
The next earnings report is due on 12 Nov 2026, 27 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does WSE have listed options, and how liquid are they?
Yes. The nightly snapshot found 68 listed contracts with 2,725 open interest across all expiries and implied volatility of 53% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.