+22%

est. 2Y upside i

FinTech

Rank

#2441

Sector

Fintech

Est. Liquidity

~1Y

Data Quality

Data: High

Wise presents a moderate upside opportunity for a job seeker.

Last updated: March 10, 2026

Bull (30%)+100%

Wise successfully executes its dual listing in the US, gaining significant investor attention and capital. Continued strong customer and volume growth (25%+ YoY) in both consumer and business segments, coupled with effective cost management and expansion into new geographies and product offerings, drives revenue to ~$3.75B by 2028. This justifies a higher P/S multiple (~6.3x) post-IPO, pushing valuation to ~$23.6B.

Base (55%)+25%

Wise successfully completes its dual listing, but market conditions or competitive pressures lead to a more modest valuation increase. The company maintains its 15-20% YoY underlying income growth, reaching ~$3.34B revenue by 2028. Valuation settles at a P/S multiple (~4.4x) slightly below current, resulting in a ~$14.75B market cap.

Bear (15%)-40%

The dual listing faces headwinds or is delayed, and increased competition from incumbents or stablecoins erodes market share and pricing power. Regulatory challenges intensify, and administrative expenses continue to outpace revenue growth, leading to margin compression. Growth slows to single digits, and the market assigns a lower P/S multiple (~2.6x), resulting in a valuation of ~$7.08B.

Est. time to liquidity~0.5 years

Preference Stack Risk

low

Funding Intensity

9%

Investors hold $1.0B in liquidation preferences, which is 8.47% of the current $11.8B valuation. In an exit at or below current valuation, common stock holders would still have significant value.

Dilution Risk

moderate

As a pre-IPO company, some dilution from future equity grants and potential new share issuance during the dual listing is expected, but profitability reduces the need for highly dilutive funding rounds.

Secondary Liquidity

limited

Wise has facilitated secondary sales in the past, and the upcoming dual listing in H1 2026 will provide a liquidity event for existing shareholders. However, an active, continuous secondary market for employee equity is not explicitly stated as available prior to the listing.

Other — 2 roles

View all 2 open roles at Wise →

Last updated: February 18, 2026

Questions to Ask at the Interview

Strategic questions based on Wise's data — designed to show you've done your homework.

  • 1

    “Given the upcoming dual listing in the US, how is Wise planning to navigate the increased scrutiny and regulatory landscape, particularly in comparison to its existing London listing?”

  • 2

    “Wise has seen strong growth in cross-border volumes and active customers, but the take rate has slightly reduced. How does the company plan to balance continued growth with maintaining or improving its profitability margins in the long term?”

  • 3

    “With the significant investment in infrastructure and administrative expenses impacting interim profits, what is the strategy for optimizing operational efficiency and ensuring these investments translate into sustained profitability and shareholder value post-IPO?”

Community

Valuation Sentiment

Our model estimates +22% upside. What do you think?

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Disclaimer: This analysis is AI-generated and does not constitute financial or career advice. Always conduct your own due diligence.