Wise Q2 FY27: Net Revenue Up 21% to $739M, FY27 Revenue Guidance Raised
WSE sits 17% above its 52-week low of $10.36 on elevated volume (2.4× avg).
Summary
Wise reported Q2 FY27 net revenue of $739.1M, up 21% YoY, and raised FY27 revenue growth guidance to the upper half of its 15-20% target range while holding IBT margin near the top of 20-25%.
Key Events · Earnings and Guidance · WSE
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Q2 FY27 Net Revenue Up 21%
Net revenue rose 21% YoY to $739.1M from $610.5M, with transaction revenue up 22% to $561.3M.
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FY27 Revenue Guidance Raised
Wise now expects FY27 net revenue growth in the upper half (17.5%-20%) of its 15-20% medium-term target range on a constant currency basis.
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Margin Held Near Top of Range
FY27 IBT margin expected around the top of the 20-25% range; H1FY27 IBT margin c.23% includes c.2ppts of one-off expenses, including c.$15M tied to the dual listing.
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Take Rate Falls 3bps to 49bps
Cross-border take rate declined 3bps YoY to 0.49% as Wise reinvests operating leverage into lower customer prices.
Analysis · WSE · Trade & Services
Wise grew net revenue 21% YoY to $739.1M and cross-border volume 22% to $71.7B, with active customers up 20% to 12.5M. Management raised FY27 net revenue growth guidance to the upper half of its 15-20% medium-term range (17.5%-20% constant currency) and still expects IBT margin near the top of its 20-25% range. The trade-off is a 3bps YoY decline in cross-border take rate to 49bps, as Wise deliberately passes operating leverage back to customers to defend its low-price advantage. H1FY27 IBT margin of c.23% includes c.2ppts of one-off expenses, about $15M of which relates to the dual listing.
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In the 30 days to Oct 31, 2026, 32% of the 2040 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was 0.00%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, WSE was trading at $12.07 on NASDAQ in the Trade & Services sector, with a market capitalization of approximately $14.4B. The 52-week trading range was $10.36 to $17.47. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.