Wise Group Plc
WSETechnology·Information Technology Services·United Kingdom·Large·NASD·Nov 11 • 3:59 PM ET
11.15+0.10 (0.90%)
2026-11-11 23:41 CET
Market cap
11,052.87 USD m
Revenue, TTM
2,707.30 USD m
Net income, TTM
498.70 USD m
Free cash flow, TTM
7,534.30 USD m
EPS diluted, TTM
0.48
P/E
23.09
Price
WSE against its 20, 50 and 200-day averages2050200missearnings
36.2% under the 52-week high of 17.47 on 11 May 2026. 52-week low 10.36 on 11 Jun 2026. Last 15 sessions, 10.4% high to low
Volume 0.83× normal · the line is the 50-bar volume average
Profile
WSE52-week range, 11% of the way up
10.3617.47
Wise Group Plc operates as a global payment solutions. It offers cross-border payment services to banks and customers. The company was founded on June 17, 2025 and is headquartered in St. Helier, the United Kingdom.
| Employees | 8000 |
|---|---|
| IPO | Jul 08, 2021 |
| Beta | 1.59 |
| ATR, 14d | 0.34 |
| Rel volume | 0.83 |
| Short float | 0.55% |
| Insider own | 20.57% |
| Inst own | 35.48% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 13.17B |
| Enterprise Value | 11.45B |
| Income | 504.51M |
| Sales | 2.45B |
| Book/sh | 1.93 |
| Cash/sh | 1.80 |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | - |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 8000 |
| IPO | Jul 08, 2021 |
Ratios
| P/E | 23.09 |
|---|---|
| Forward P/E | 16.57 |
| PEG | 0.94 |
| P/S | 5.37 |
| P/B | 5.78 |
| P/C | 6.18 |
| P/FCF | 16.77 |
| EV/EBITDA | 16.66 |
| EV/Sales | 4.67 |
| Quick Ratio | 1.08 |
| Current Ratio | 1.08 |
| Debt/Eq | 0.21 |
| LT Debt/Eq | 0.20 |
| Option/Short | Yes / Yes |
Earnings
| EPS (ttm) | 0.48 |
|---|---|
| EPS next Y | 0.67 |
| EPS next Q | 0.16 |
| EPS this Y | 17.68% |
| EPS next Y | 18.05% |
| EPS next 5Y | 17.64% |
| EPS past 3/5Y | 52.18% 64.51% |
| Sales past 3/5Y | 31.15% 37.31% |
| EPS Y/Y TTM | -7.61% |
| Sales Y/Y TTM | 12.24% |
| EPS Q/Q | -9.11% |
| Sales Q/Q | 12.29% |
| Earnings | Nov 12 AMC |
| EPS/Sales Surpr. | 7.07% -2.73% |
Ownership
| Insider Own | 20.57% |
|---|---|
| Insider Trans | -0.09% |
| Inst Own | 35.48% |
| Inst Trans | -18.00% |
| ROA | 1.94% |
| ROE | 28.81% |
| ROIC | 21.79% |
| Gross Margin | 71.48% |
| Oper. Margin | 26.43% |
| Profit Margin | 20.56% |
| SMA20 | 0.66% |
| SMA50 | -3.43% |
| SMA200 | -9.02% |
| Trades | - |
Technical
| Shs Outstand | 1.00B |
|---|---|
| Shs Float | 794.46M |
| Short Float | 0.55% |
| Short Ratio | 2.46 |
| Short Interest | 4.33M |
| 52W High | 17.47 -36.18% |
| 52W Low | 10.36 7.63% |
| Volatility | 3.13% 2.86% |
| ATR (14) | 0.34 |
| RSI (14) | 48.06 |
| Beta | 1.59 |
| Rel Volume | 0.83 |
| Avg Volume | 1.76M |
| Volume | 1,457,776 |
Performance
| Perf Week | -3.71% |
|---|---|
| Perf Month | -8.76% |
| Perf Quarter | -13.77% |
| Perf Half Y | -18.14% |
| Perf YTD | -4.78% |
| Perf Year | -9.72% |
| Perf 3Y | 35.56% |
| Perf 5Y | -0.98% |
| Perf 10Y | - |
| Recom | 1.33 |
| Target Price | 16.34 |
| Prev Close | 11.05 |
| Price | 11.15 |
| Change % | 0.90% |
Analyst ratings
latest 6 of 6| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Sep 02, 2026 | Initiated | CCanaccord Genuity | Buy | ||
| Jul 06, 2026 | Initiated | JJP Morgan | Overweight | $17.50 | +57.0% |
| Jun 29, 2026 | Initiated | MMorgan Stanley | Equal-Weight | $16.10 | +44.4% |
| Jun 01, 2026 | Initiated | BBNP Paribas Exane | Outperform | $16.69 | +49.7% |
| May 29, 2026 | Initiated | UUBS | Buy | $16 | +43.5% |
| May 11, 2026 | Initiated | WWilliam Blair | Outperform |
Peers
Mkt capInsider trading
5 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Thomassin Emmanuel Francois Je | Chief Financial Officer | Oct 16 '26 | Sale | 11.75 | 6,040 | 70,970 | 4,853 | Oct 19 07:57 PM |
| Sinha Harsh | Chief Technology Officer | Oct 16 '26 | Sale | 11.75 | 42,324 | 497,307 | 979,030 | Oct 19 07:56 PM |
| Peiris Nilan | Chief Product Officer | Oct 16 '26 | Sale | 11.75 | 58,262 | 684,578 | 2,516,438 | Oct 19 07:55 PM |
| Sinha Harsh | Chief Technology Officer | Jul 16 '26 | Sale | 12.86 | 42,101 | 541,419 | 874,014 | Jul 17 07:50 PM |
| Peiris Nilan | Chief Product Officer | Jul 16 '26 | Sale | 12.86 | 58,262 | 749,249 | 2,411,199 | Jul 17 07:50 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| FINX | Global X Funds Global X FinTech ETF | AUM: 150.82M |
| ONEQ | Fidelity Nasdaq Composite Index ETF | AUM: 10.35B |
| BGCG | Baillie Gifford International Concentrated Growth ETF | AUM: 101.63M |
| CDIG | City Different Investments Global Equity ETF | AUM: 54.08M |
| TRFM | AAM Transformers ETF | AUM: 302.69M |
| CVIE | Calvert International Responsible Index ETF | AUM: 497.61M |
| TLTD | Northern Trust DM ex-US Factor Tilt | AUM: 665.15M |
News
latest 14 of 60- BofA names top European payments stocks amid strong Q3 trends (Investing.com)
- Wise raises 2027 revenue outlook after 21% second-quarter growth (Proactive) -9.22%
- Wise Group plc reports Q2 FY27 Results (GlobeNewswire)
- UBS raises Wise price target 12% to 1,300p ahead of results (Proactive)
- Kaplan Fox Encourages Wise Group plc (WSE) Investors Who Suffered Losses to Seek a Leadership Role Before September 29, 2026 (Newsfile)
- Wise announces results dates and conference participation (GlobeNewswire)
- Kaplan Fox Urges Wise Group plc (WSE) Investors Seeking Recovery to Contact the Firm Before September 29, 2026 (Newsfile)
- Kaplan Fox Encourages Wise Group plc (WSE) Investors with Losses to Contact the Firm Before September 29, 2026 (Newsfile)
- Wise Group plc Sued for Securities Law Violations - Contact the DJS Law Group to Discuss Your Rights - WSE (PR Newswire)
- Robbins LLP Urges Investors with Significant Losses to Contact the Firm for Information About Their Rights Against WSE (Newsfile)
- Kaplan Fox Urges Investors of Wise Group plc (WSE) with Significant Losses to Seek a Leadership Role Before September 29, 2026 (Newsfile)
- This Stock Can Rally 35% as It Disrupts Global Remittance Markets (Barrons.com)
- Wise Group plc Sued for Securities Law Violations - Contact the DJS Law Group to Discuss Your Rights - WSE (PR Newswire)
- Wise Group plc Sued for Securities Law Violations - Contact the DJS Law Group to Discuss Your Rights WSE (Business Wire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026S1 | 2026-11-12 | - | 0.269 | - | - | 1,449 | 5 |
| 2025S2 | 2026-06-25 | 0.291 | 0.272 | 0.236 | 1,227 | 1,261 | 6 |
| 2025S1 | 2025-11-06 | 0.236 | 0.247 | 0.236 | 862.14 | 988.16 | 5 |
| 2026S2 | - | - | 0.293 | - | - | 1,549 | 4 |
| 2027S1 | - | - | 0.300 | - | - | 1,602 | 1 |
| 2027S2 | - | - | 0.330 | - | - | 1,746 | 1 |
| 2028S1 | - | - | 0.370 | - | - | 1,828 | 1 |
| 2028S2 | - | - | 0.385 | - | - | 1,813 | 1 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2024FY | 0.540 | 0.529 | 0.526 | 1,852 | 1,804 |
| 2025FY | 0.484 | 0.492 | 0.484 | 2,503 | 2,514 |
| 2026FY | - | 0.570 | - | - | 2,990 |
| 2027FY | - | 0.673 | - | - | 3,542 |
| 2028FY | - | 0.789 | - | - | 4,192 |
| 2029FY | - | 1.008 | - | - | 4,592 |
| 2030FY | - | 1.201 | - | - | 5,143 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026S1 | S | 2026-10-20 | 4 | 3 | 0 | 1,449 | 1,437 | 1,453 |
| 2026S1 | S | 2026-10-16 | 4 | 3 | 0 | 1,437 | 1,405 | 1,453 |
| 2026S1 | S | 2026-09-29 | 4 | 2 | 0 | 1,428 | 1,405 | 1,442 |
| 2026S1 | S | 2026-09-10 | 4 | 2 | 0 | 1,428 | 1,405 | 1,444 |
| 2026S1 | S | 2026-08-24 | 4 | 2 | 0 | 1,382 | 1,251 | 1,444 |
| 2026S1 | S | 2026-07-23 | 3 | 1 | 0 | 1,374 | 1,251 | 1,444 |
| 2026S1 | S | 2026-07-17 | 4 | 1 | 0 | 1,342 | 1,248 | 1,444 |
| 2026S1 | S | 2026-07-07 | 3 | 1 | 0 | 1,311 | 1,245 | 1,441 |
| 2026S1 | S | 2026-06-27 | 3 | 0 | 1 | 1,306 | 1,228 | 1,441 |
| 2026S1 | S | 2026-06-26 | 3 | 1 | 1 | 1,306 | 1,228 | 1,441 |
| 2026S1 | S | 2026-06-25 | 3 | 1 | 1 | 1,303 | 1,231 | 1,431 |
| 2026S1 | S | 2026-06-19 | 3 | 1 | 1 | 1,303 | 1,231 | 1,431 |
| 2026S1 | S | 2026-06-18 | 3 | 1 | 1 | 1,304 | 1,233 | 1,431 |
| 2026S1 | S | 2026-06-03 | 3 | 1 | 1 | 1,310 | 1,248 | 1,431 |
Estimate history
| EPS, annual | 0.014 | 0.019 | 0.041 | 0.044 | 0.132 | 0.424 | 0.526 | 0.484 |
|---|---|---|---|---|---|---|---|---|
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| EPS, quarterly | ||||||||
| Period | ||||||||
| Sales, annual | 234.053 | 384.527 | 554.617 | 766.133 | 1200.141 | 1937.914 | 2262.1 | 2707.3 |
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Sales, quarterly | ||||||||
| Period | ||||||||
| Shares, annual | 994.59 | 994.59 | 994.59 | 1024.59 | 1024.677 | 1024.777 | 1025 | 1025.672 |
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Shares, quarterly | ||||||||
| Period |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 2,707.30 | 2,707.30 | 2,262.10 | 1,937.91 | 1,200.14 | 766.13 | 554.62 | 384.53 | 234.05 |
| Total Expenses | 2,107.20 | 2,107.20 | 1,561.80 | 1,358.01 | 1,027.16 | 711.50 | 503.44 | 365.48 | 221.98 |
| Operating Income | 600.10 | 600.10 | 700.30 | 579.90 | 172.98 | 54.64 | 51.18 | 19.05 | 12.08 |
| Non-Operating Income (Expense) | 81.60 | 81.60 | 46.80 | 24.74 | 3.37 | 5.33 | 2.48 | 6.86 | 1.18 |
| Unusual Expense | 1.80 | 1.80 | 14.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 660.40 | 660.40 | 717.50 | 604.65 | 176.35 | 59.96 | 53.66 | 25.91 | 13.26 |
| Income Taxes | 161.70 | 161.70 | 167.20 | 159.26 | 39.12 | 15.02 | 13.32 | 6.86 | -0.26 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Consolidated Net Income | 498.70 | 498.70 | 550.30 | 445.38 | 137.23 | 44.94 | 40.34 | 19.05 | 13.52 |
| Net Income From Continuing Operations | 498.70 | 498.70 | 550.30 | 445.38 | 137.23 | 44.94 | 40.34 | 19.05 | 13.52 |
| Net Income | 498.70 | 498.70 | 550.30 | 445.38 | 137.23 | 44.94 | 40.34 | 19.05 | 13.52 |
| EPS (Recurring) | 0.49 | 0.49 | 0.54 | 0.42 | 0.13 | 0.04 | 0.04 | 0.02 | 0.01 |
| EPS (Basic, Before Extraordinaries) | 0.49 | 0.49 | 0.53 | 0.43 | 0.14 | 0.05 | 0.04 | 0.02 | 0.01 |
| EPS (Diluted) | 0.48 | 0.48 | 0.53 | 0.42 | 0.13 | 0.04 | 0.04 | 0.02 | 0.01 |
| Stock Option Compensation Expense | 71.63 | 71.63 | 55.95 | 68.30 | 56.75 | 46.69 | 40.29 | 24.69 | 7.44 |
| Price To Earnings Ratio | 22.47 | 22.47 | 23.48 | 44.72 | 93.58 | - | - | - | - |
| Price To Sales Ratio | 6.07 | 4.49 | 5.78 | 6.48 | 5.88 | 8.98 | - | - | - |
| Gross Margin | 71.48 | 58.06 | 60.55 | 69.47 | 63.47 | 60.74 | 57.39 | 54.92 | 57.99 |
| Operating Margin | 26.43 | 22.17 | 30.96 | 29.92 | 14.41 | 7.13 | 9.23 | 4.95 | 5.16 |
| Net Margin | 20.56 | 18.42 | 24.33 | 22.98 | 11.43 | 5.87 | 7.27 | 4.95 | 5.78 |
| Shares Outstanding | 1,000.10 | 1,025.67 | 1,025.00 | 1,024.78 | 1,024.68 | 1,024.59 | 994.59 | 994.59 | 994.59 |
| Market Capitalization | 11,052.87 | 11,052.87 | 12,812.50 | 12,246.12 | 6,941.60 | 6,614.02 | 6,614.02 | - | - |
Income statement, quarterly
| Metric | 2025S1 | 2024S2 | 2024S1 | 2023S2 | 2023S1 | 2022S2 | 2022S1 | 2021S2 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | 1,286.94 | 1,166.85 | 1,146.13 | 1,040.01 | 897.30 | 680.48 | 518.49 | 408.30 |
| Total Expenses | 976.07 | 829.27 | 791.88 | 695.68 | 662.03 | 569.83 | 456.55 | 377.78 |
| Operating Income | 310.87 | 337.58 | 354.25 | 344.33 | 235.27 | 110.65 | 61.94 | 30.52 |
| Unusual Expense | 1.07 | 14.61 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 341.59 | 345.96 | 374.62 | 359.87 | 244.45 | 113.63 | 62.31 | 33.75 |
| Income Taxes | 90.43 | 92.62 | 96.31 | 91.63 | 67.56 | 22.08 | 17.00 | 6.59 |
| Consolidated Net Income | 251.16 | 253.34 | 278.30 | 268.24 | 176.89 | 91.55 | 45.30 | 27.16 |
| Net Income From Continuing Operations | 251.16 | 253.34 | 278.30 | 268.24 | 176.89 | 91.55 | 45.30 | 27.16 |
| Net Income | 251.16 | 253.34 | 278.30 | 268.24 | 176.89 | 91.55 | 45.30 | 27.16 |
| EPS (Recurring) | 0.24 | 0.25 | 0.27 | 0.25 | 0.17 | 0.09 | 0.04 | 0.03 |
| EPS (Basic, Before Extraordinaries) | 0.24 | 0.25 | 0.27 | 0.26 | 0.18 | 0.09 | 0.05 | 0.03 |
| EPS (Diluted) | 0.24 | 0.24 | 0.27 | 0.25 | 0.17 | 0.09 | 0.04 | 0.03 |
| Non-Operating Income (Expense) | 31.80 | 23.00 | 20.36 | 15.54 | 9.18 | 2.98 | 0.36 | 3.23 |
| Stock Option Compensation Expense | 29.99 | 25.92 | 29.97 | 35.07 | 33.21 | 31.04 | 25.68 | 25.37 |
| Price To Earnings Ratio | 22.47 | 23.48 | 20.35 | 44.72 | 61.61 | 93.58 | 165.16 | - |
| Price To Sales Ratio | 6.07 | 5.67 | 4.29 | 6.49 | 5.54 | 5.92 | 8.13 | 9.00 |
| Gross Margin | 72.02 | 70.88 | 71.42 | 71.30 | 67.33 | 65.34 | 60.97 | 59.76 |
| Operating Margin | 24.16 | 28.93 | 30.91 | 33.11 | 26.22 | 16.26 | 11.95 | 7.47 |
| Net Margin | 19.52 | 21.71 | 24.28 | 25.79 | 19.71 | 13.45 | 8.74 | 6.65 |
| Shares Outstanding | 1,000.10 | 1,025.00 | 1,025.00 | 1,024.78 | 1,024.78 | 1,024.68 | 1,024.59 | 1,024.59 |
| Market Capitalization | 11,052.87 | 12,812.50 | 9,173.75 | 12,246.12 | 8,536.42 | 6,941.60 | 7,479.51 | 6,614.02 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 5,386.00 | 3,528.90 | 1,340.43 | 829.78 | 471.10 | 394.73 | 192.32 | 127.31 |
| Short Term Receivables | 477.90 | 412.80 | 413.59 | 206.49 | 153.52 | 88.99 | 75.76 | 120.66 |
| Investment Securities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Securities In Custody | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 | 2.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 189.90 | 150.80 | 43.33 | 26.09 | 29.76 | 33.11 | 23.68 | 5.86 |
| Deferred Tax Assets | 57.40 | 54.00 | 130.11 | 139.97 | 149.57 | 78.23 | 39.68 | 10.69 |
| Other Intangible Assets | 27,148.60 | 20,634.60 | 17,192.83 | 13,516.62 | 9,155.72 | 5,340.13 | 2,615.18 | 1,185.38 |
| Total Assets | 33,259.80 | 24,781.10 | 19,122.32 | 14,718.95 | 9,959.67 | 5,935.19 | 2,946.62 | 1,449.90 |
| Total Debt | 483.70 | 238.90 | 283.22 | 326.92 | 126.00 | 136.18 | 79.11 | 18.11 |
| Long Term Debt | 461.30 | 97.10 | 269.32 | 9.64 | 118.76 | 131.35 | 73.90 | 18.11 |
| Provision for Risks Charges | 56.20 | 48.60 | 19.45 | 6.43 | 5.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 8.20 | 5.40 | 3.03 | 1.36 | 0.66 | 2.76 | - | 0.39 |
| Other Liabilities | 30,786.50 | 22,750.80 | 17,578.76 | 13,670.93 | 9,289.23 | 5,402.63 | 2,623.49 | 1,266.69 |
| Total Liabilities | 31,334.60 | 23,043.70 | 17,884.46 | 14,005.64 | 9,420.89 | 5,541.57 | 2,702.60 | 1,285.20 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 1,925.20 | 1,737.40 | 1,237.86 | 713.31 | 538.77 | 393.63 | 244.02 | 164.71 |
| Total Shareholders Equity | 1,925.20 | 1,737.40 | 1,237.86 | 713.31 | 538.77 | 393.63 | 244.02 | 164.71 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 1,925.20 | 1,737.40 | 1,237.86 | 713.31 | 538.77 | 393.63 | 244.02 | 164.71 |
| Total Liabilities & Stockholders Equity | 33,259.80 | 24,781.10 | 19,122.32 | 14,718.95 | 9,959.67 | 5,935.19 | 2,946.62 | 1,449.90 |
| Book Value Per Share | 1.88 | 1.70 | 1.21 | 0.70 | 0.53 | 0.40 | 0.25 | 0.17 |
| Tangible Book Value Per Share | 1.87 | 1.69 | 1.20 | 0.68 | 0.50 | 0.36 | 0.22 | 0.14 |
| Full-Time Employees | 8,000 | - | - | - | - | - | - | - |
| Price to Book Ratio | 5.73 | 8.14 | 13.55 | 13.60 | 14.49 | 14.49 | - | - |
| Return on Assets | 1.72 | 2.51 | 2.63 | 1.11 | 0.57 | 0.91 | 0.87 | - |
| Return on Equity | 26.85 | 36.99 | 45.65 | 21.92 | 9.64 | 12.65 | 9.32 | - |
| Return on Invested Capital | 20.90 | 30.00 | 29.55 | 18.98 | 6.83 | 7.68 | 5.99 | 7.40 |
| Quick Ratio | 1.07 | 1.07 | 1.08 | 1.04 | 1.05 | 1.07 | 1.09 | 1.11 |
| Current Ratio | 1.07 | 1.07 | 1.08 | 1.04 | 1.05 | 1.07 | 1.09 | 1.11 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 726.80 | 726.80 | 672.30 | 459.08 | 134.22 | 193.68 | 158.89 | 77.85 | 24.94 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 6,827.10 | 6,827.10 | 5,047.20 | 118.95 | 7.94 | 16.80 | 92.18 | 10.54 | -26.78 |
| Cash from Operating Activities | 7,553.90 | 7,553.90 | 5,719.50 | 578.02 | 142.16 | 210.49 | 251.07 | 88.39 | -1.84 |
| Capital Expenditures | -21.40 | -21.40 | -45.30 | -16.33 | -10.59 | -16.25 | -30.29 | -22.99 | -17.85 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | 1,759.90 | 1,759.90 | -713.20 | -162.91 | -3,104.12 | -653.72 | -846.81 | -3.56 | -143.61 |
| Purchase of Investments | -9,047.40 | -9,047.40 | -8,227.90 | -11,997.88 | -10,419.56 | -1,186.15 | -945.12 | -59.05 | -154.24 |
| Sale Or Maturity of Investments | 10,807.30 | 10,807.30 | 7,514.70 | 11,834.98 | 7,315.45 | 532.43 | 98.31 | 55.49 | 10.63 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.13 | 0.24 | 0.14 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | 1,738.50 | 1,738.50 | -758.50 | -179.11 | -3,114.47 | -669.84 | -877.10 | -26.54 | -161.46 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -472.90 | -472.90 | -91.20 | 1.26 | 0.72 | 4.64 | 1.18 | 0.38 | 0.00 |
| Repurchase of Common Pref Stock | -473.40 | -473.40 | -92.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.50 | 0.50 | 1.30 | 1.26 | 0.72 | 4.64 | 1.18 | 0.38 | 0.00 |
| Proceedsfrom Stock Options | 0.50 | 0.50 | 1.30 | 1.26 | 0.72 | 4.64 | 1.18 | 0.38 | 0.00 |
| Issuance or Reduction of Debt, Net | 198.00 | 198.00 | -138.70 | -62.80 | 204.64 | 0.00 | 37.34 | 44.45 | -8.66 |
| Change in Long Term Debt | 198.00 | 198.00 | -138.70 | -62.80 | 204.64 | 0.00 | 37.34 | 44.45 | -8.66 |
| Issuance of Long Term Debt | 595.90 | 595.90 | 248.60 | 527.53 | 636.79 | 58.73 | 154.84 | 128.77 | 44.11 |
| Reduction of Long Term Debt | -397.90 | -397.90 | -387.30 | -590.33 | -432.15 | -58.73 | -117.50 | -84.32 | -52.77 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | -85.91 | -12.16 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | -85.91 | -12.16 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | -274.90 | -274.90 | -229.90 | 3,344.91 | 4,761.68 | 4,073.93 | 2,488.99 | 1,460.39 | 890.79 |
| Exchange Rate Effect | 718.40 | 718.40 | 89.50 | -227.21 | 164.43 | 70.21 | -190.49 | 28.95 | 0.92 |
| Net Change in Cash | 9,735.90 | 9,735.90 | 4,820.60 | 3,516.61 | 1,953.81 | 3,684.79 | 1,672.47 | 1,551.19 | 728.41 |
| Free Cash Flow | 7,534.30 | 7,534.30 | 5,675.40 | 564.71 | 137.83 | 204.20 | 248.06 | 84.45 | -4.86 |
| Price to Free Cash Flow | 18.95 | 1.61 | 2.30 | 22.25 | 51.24 | 33.67 | - | - | - |
Balance sheet, quarterly
| Metric | 2025S1 | 2024S2 | 2024S1 | 2023S2 | 2023S1 | 2022S2 |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 2,131.38 | 1,846.03 | 1,423.44 | 1,340.43 | 1,112.04 | 829.78 |
| Short Term Receivables | 527.60 | 344.63 | 588.99 | 413.59 | 499.69 | 206.49 |
| Investments | 6.46 | 3.23 | 3.49 | 2.02 | 0.00 | 0.00 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 181.88 | 149.60 | 101.14 | 43.33 | 31.98 | 26.09 |
| Deferred Tax Assets | 108.91 | 109.33 | 90.81 | 130.11 | 127.79 | 139.97 |
| Other Intangible Assets | 26,811.65 | 22,389.22 | 19,936.49 | 17,192.83 | 15,160.45 | 13,516.62 |
| Total Assets | 29,767.88 | 24,842.03 | 22,144.35 | 19,122.32 | 16,931.96 | 14,718.95 |
| Total Debt | 405.63 | 239.56 | 70.29 | 283.22 | 379.22 | 326.92 |
| Long Term Debt | 386.64 | 224.59 | 56.74 | 18.70 | 14.52 | 9.64 |
| Deferred Tax Liabilities | 6.87 | 5.16 | 4.29 | 3.03 | 2.32 | 1.36 |
| Other Liabilities | 27,372.76 | 22,759.41 | 20,483.22 | 17,592.52 | 15,639.64 | 13,670.93 |
| Total Liabilities | 27,839.51 | 23,052.79 | 20,570.14 | 17,884.46 | 16,028.02 | 14,005.64 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 1,928.37 | 1,789.24 | 1,574.21 | 1,237.86 | 903.94 | 713.31 |
| Total Shareholders Equity | 1,928.37 | 1,789.24 | 1,574.21 | 1,237.86 | 903.94 | 713.31 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 1,928.37 | 1,789.24 | 1,574.21 | 1,237.86 | 903.94 | 713.31 |
| Total Liabilities & Stockholders Equity | 29,767.88 | 24,842.03 | 22,144.35 | 19,122.32 | 16,931.96 | 14,718.95 |
| Book Value Per Share | 1.93 | 1.75 | 1.54 | 1.21 | 0.88 | 0.70 |
| Tangible Book Value Per Share | 1.92 | 1.74 | 1.53 | 1.20 | 0.87 | 0.68 |
| Price to Book Ratio | 5.73 | 8.14 | 7.41 | 13.55 | 11.97 | 13.60 |
| Return on Assets | 1.94 | 2.42 | 2.80 | 2.63 | 1.89 | 1.11 |
| Return on Equity | 28.81 | 35.13 | 44.11 | 45.63 | 37.96 | 21.86 |
| Return on Invested Capital | 10.85 | 12.58 | 17.06 | 21.35 | 19.26 | 12.66 |
| Quick Ratio | 1.08 | 1.08 | 1.07 | 1.06 | 1.05 | 1.04 |
| Current Ratio | 1.08 | 1.08 | 1.07 | 1.06 | 1.05 | 1.04 |
Cash flow, quarterly
| Metric | 2025S1 | 2024S2 | 2024S1 | 2023S2 | 2023S1 | 2022S2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 400.76 | 215.07 | 290.60 | 273.70 | 184.44 | 124.22 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 128.80 | 85.71 | -56.99 | 58.19 | 60.52 | 21.72 |
| Cash from Operating Activities | 529.56 | 300.78 | 233.61 | 331.89 | 244.96 | 145.95 |
| Capital Expenditures | -17.31 | -28.71 | -16.27 | -10.63 | -5.66 | -4.80 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -182.74 | -688.92 | -26.38 | 367.73 | -530.30 | -2,084.72 |
| Purchase of Investments | -4,900.35 | -4,351.09 | -3,850.92 | -4,472.38 | -7,501.23 | -7,210.68 |
| Sale Or Maturity of Investments | 4,717.61 | 3,662.16 | 3,824.53 | 4,840.11 | 6,970.93 | 5,125.96 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | -0.00 | 0.13 | 0.12 |
| Cash from Investing Activities | -200.04 | -717.63 | -42.65 | 357.09 | -535.84 | -2,089.40 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.13 | 1.14 | 0.13 | 0.62 | 0.63 | 0.35 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.13 | 1.14 | 0.13 | 0.62 | 0.63 | 0.35 |
| Proceedsfrom Stock Options | 0.13 | 1.14 | 0.13 | 0.62 | 0.63 | 0.35 |
| Issuance or Reduction of Debt, Net | 134.17 | 129.09 | -256.15 | -113.00 | 50.33 | 105.75 |
| Change in Long Term Debt | 134.17 | 129.09 | -256.15 | -113.00 | 50.33 | 105.75 |
| Issuance of Long Term Debt | 268.34 | 126.03 | 128.07 | 249.67 | 276.79 | 321.71 |
| Reduction of Long Term Debt | -134.17 | 3.06 | -384.22 | -362.67 | -226.46 | -215.96 |
| Net Financing Active Other Cash Flow | -243.11 | -47.16 | -45.08 | -48.75 | -36.99 | -12.06 |
| Other Financing Activities Uses | -243.11 | -47.16 | -45.08 | -48.75 | -36.99 | -12.06 |
| Cash from Financing Activities | 3,166.77 | 2,916.96 | 2,028.56 | 1,380.11 | 1,958.03 | 2,187.56 |
| Exchange Rate Effect | 79.70 | 145.73 | -413.93 | -232.29 | 5.54 | -353.50 |
| Net Change in Cash | 3,575.98 | 2,645.83 | 1,805.58 | 1,836.81 | 1,672.69 | -109.40 |
| Free Cash Flow | 513.86 | 271.93 | 218.62 | 322.38 | 241.18 | 143.59 |
| Price to Free Cash Flow | 18.95 | 26.74 | 17.34 | 22.31 | 22.73 | 51.91 |
Revenue breakdown
| Card Services | 2024: 280.50M 2025: 391.60M |
|---|---|
| Cross Border Sevices | 2024: 1.07B 2025: 1.26B |
| Other Services | 2024: 194.10M 2025: 245.00M |
| Asia Pacific | 2024: 336.50M 2025: 450.50M |
| Europe | 2024: 467.00M 2025: 569.40M |
| Rest of the World | 2024: 224.20M 2025: 282.70M |
| United Kingdom | 2024: 288.90M 2025: 329.10M |
| United States | 2024: 229.70M 2025: 261.90M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.55% | 4.3M | 794.5M | 1.65M |
| 2026-10-15 | 0.59% | 4.7M | 794.5M | 1.50M |
| 2026-09-30 | 0.58% | 4.6M | 796.1M | 1.31M |
| 2026-09-15 | 0.49% | 3.9M | 796.1M | 1.24M |
| 2026-08-31 | 0.45% | 3.6M | 796.8M | 1.32M |
| 2026-08-14 | 0.42% | 3.3M | 796.8M | 1.41M |
| 2026-07-31 | 0.39% | 3.0M | 776.6M | 1.30M |
| 2026-07-15 | 0.44% | 3.4M | 775.6M | 1.08M |
| 2026-06-30 | 0.51% | 3.9M | 775.6M | 894.40K |
| 2026-06-15 | 0.49% | 3.8M | 775.6M | 647.09K |
| 2026-05-29 | 0.71% | 5.5M | 781.5M | 315.08K |
| 2026-05-15 | 0.55% | 4.3M | 781.5M | 139.62K |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 2.50 | 6.90 | 10.20 | 0.00 | 16.494 | 0.00 | 0.00 | 0.962 | -0.073 | 0.001 |
| call | 5.00 | 4.40 | 7.70 | 0.00 | 8.761 | 0.00 | 0.00 | 0.921 | -0.074 | 0.003 |
| call | 7.50 | 2.05 | 5.20 | 3.50 | 5.459 | 5.00 | 0.00 | 0.862 | -0.065 | 0.004 |
| call | 10.00 | 0.00 | 0.00 | 1.50 | 1.890 | 427 | 1.00 | 0.730 | -0.046 | 0.006 |
| call | 12.50 | 0.00 | 0.00 | 0.09 | 0.811 | 785 | 56.00 | 0.202 | -0.023 | 0.005 |
| call | 15.00 | 0.00 | 0.15 | 0.08 | 1.509 | 148 | 0.00 | 0.127 | -0.031 | 0.004 |
| call | 17.50 | 0.00 | 1.65 | 0.65 | 2.024 | 260 | 0.00 | 0.102 | -0.035 | 0.003 |
| call | 20.00 | 0.00 | 1.65 | 0.10 | 2.437 | 295 | 0.00 | 0.089 | -0.039 | 0.003 |
| call | 22.50 | 0.00 | 1.65 | 0.00 | 2.784 | 0.00 | 0.00 | 0.080 | -0.041 | 0.003 |
| call | 25.00 | 0.00 | 1.65 | 0.00 | 3.083 | 0.00 | 0.00 | 0.075 | -0.043 | 0.002 |
| put | 2.50 | 0.00 | 0.85 | 0.05 | 8.925 | 0.00 | 0.00 | -0.038 | -0.073 | 0.001 |
| put | 5.00 | 0.00 | 0.75 | 0.05 | 5.066 | 1.00 | 0.00 | -0.079 | -0.073 | 0.003 |
| put | 7.50 | 0.00 | 1.65 | 0.00 | 2.973 | 0.00 | 0.00 | -0.138 | -0.064 | 0.004 |
| put | 10.00 | 0.00 | 0.45 | 0.45 | 1.399 | 316 | 0.00 | -0.270 | -0.045 | 0.006 |
| put | 12.50 | 1.30 | 1.70 | 1.33 | 1.193 | 448 | 0.00 | -0.798 | -0.021 | 0.005 |
| put | 15.00 | 2.35 | 5.60 | 2.96 | 4.219 | 0.00 | 0.00 | -0.873 | -0.029 | 0.004 |
| put | 17.50 | 4.80 | 8.10 | 0.00 | 4.917 | 0.00 | 0.00 | -0.898 | -0.033 | 0.003 |
| put | 20.00 | 7.30 | 10.60 | 0.00 | 5.472 | 0.00 | 0.00 | -0.911 | -0.036 | 0.003 |
| put | 22.50 | 9.80 | 13.10 | 0.00 | 5.931 | 0.00 | 0.00 | -0.920 | -0.038 | 0.003 |
| put | 25.00 | 12.30 | 15.60 | 0.00 | 6.324 | 0.00 | 0.00 | -0.925 | -0.040 | 0.002 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-10 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-11-10 | SEC |
| 2026-11-09 | SCHEDULE 13G/A | SEC | ||
| 2026-11-03 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-11-03 | SEC |
| 2026-10-27 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-27 | SEC |
| 2026-10-23 | 3 | Initial statement of beneficial ownership of securities | 2026-10-13 | SEC |
| 2026-10-20 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-20 | SEC |
| 2026-10-19 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-15 | SEC |
| 2026-10-19 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-15 | SEC |
| 2026-10-19 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-15 | SEC |
| 2026-10-15 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-15 | SEC |
| 2026-10-13 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-13 | SEC |
| 2026-10-13 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-13 | SEC |
| 2026-10-06 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-06 | SEC |
| 2026-09-29 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-29 | SEC |
| 2026-09-24 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-24 | SEC |
| 2026-09-22 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-22 | SEC |
| 2026-09-15 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-15 | SEC |
| 2026-09-08 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-08 | SEC |
| 2026-09-02 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-02 | SEC |
| 2026-08-27 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-27 | SEC |
| 2026-08-25 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-25 | SEC |
| 2026-08-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-08-18 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-18 | SEC |
| 2026-08-17 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-17 | SEC |
| 2026-08-14 | SCHEDULE 13G | SEC | ||
| 2026-08-11 | SCHEDULE 13G | SEC | ||
| 2026-08-11 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-11 | SEC |
| 2026-08-05 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-05 | SEC |
| 2026-07-23 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-07-23 | SEC |
| 2026-07-21 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-07-21 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 1.25M | 3 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 1.29M | 2 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| Capital International Investors | 4.60% |
| VANGUARD CAPITAL MANAGEMENT LLC | 2.19% |
| FIL Ltd | 2.15% |
| Dream Peak Capital Ltd | 1.56% |
| NORGES BANK | 1.50% |
| Capital World Investors | 1.34% |
| WELLINGTON MANAGEMENT GROUP LLP | 1.32% |
| Ninety One UK Ltd | 0.72% |
| Alfreton Capital LLP | 0.71% |
| VANGUARD FIDUCIARY TRUST CO | 0.64% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD INTERNATIONAL GROWTH FUND | 3.86% |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND | 1.07% |
| VANGUARD DEVELOPED MARKETS INDEX FUND | 0.71% |
| iShares Core MSCI EAFE ETF | 0.53% |
| INTERNATIONAL PORTFOLIO | 0.31% |
| Fidelity International Index Fund | 0.28% |
| VANGUARD ADVICE SELECT INTERNATIONAL GROWTH FUND | 0.27% |
| iShares MSCI EAFE ETF | 0.25% |
| Transamerica International Equity | 0.23% |
| iShares MSCI Intl Quality Factor ETF | 0.18% |
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