Wise Group plc Earnings Summary — Q3 FY2026

• Net revenue grew 25% YoY to $714.0 million, driven by a 21% increase in active customers to 11.9 million.
• Cross-border transaction volume reached $69.3 billion, a 26% increase YoY, or 24% on a constant currency basis.
• The cross-border take rate decreased by 2bps YoY to 0.50% as Wise proactively invested operating leverage into lower customer prices.
• Internal efficiency hit a record milestone with 77% of all transfers arriving instantly, up from 70% a year ago.
• Customer holdings (balances plus assets under custody) surged 31% YoY to $41.2 billion, indicating deepening platform trust.
• Business segment volume grew significantly faster than personal volume, rising 39% YoY to $21.3 billion.
• Net Interest Income contributed $173.1 million to net revenue ($225.4M income less $52.3M interest paid to customers).

Management re-iterated FY27 guidance, expecting net revenue growth to be around the middle of their 15-20% medium-term target range on a constant currency basis. Income before tax margin is projected to be around the top of the 20-25% range.

Stable

The company continues to demonstrate strong volume and customer growth while successfully executing its 'lower prices drive volume' flywheel strategy.

Wise continues to expand its geographic footprint, recently launching new local pay-in capabilities in Chile. The company is successfully diversifying revenue through Card and 'Other' services, which grew 38% YoY, and continues to scale its Business segment as a primary growth driver.