Wise Plc Class A · LSE:WISE

Wise Plc Class A — Q1 2027 Earnings Presentation

11 slides from Wise Plc Class A's earnings presentation, Jul 16, 2026

  1. Slide 1: Q1 FY2027 Results Presentation

    77WISe Ql FY2027 RESULTS PRESENTATION

  2. Slide 2: Disclaimer

    Disclaimer This document and any accompanying materials or presentation may include forward-looking statements, which are based on current expectations and projections about future events. These statements may include, without limitation, any statements preceded by, followed by or including words su

  3. Slide 3: Strong, sustainable growth

    Strong, sustainable growth TLOM =—s S69BN =e S4 IBN Active customers Cross-border volume Customer holdings +21% YoY +26% YoY +31% YoY

  4. Slide 4: Customer engagement drives revenue growth

    Customer engagement drives revenue growth Cross-border Revenue Card and Other Revenue Transaction Revenue $ million $ million $ million

  5. Slide 5: Generating interest income on customer balances

    Generating interest income on customer balances Customer Balances Interest Income on Customer Balances $ billion $ million 36% 6% 31%

  6. Slide 6: Diversification of net revenue (51% non-cross)

    Diversification of net revenue 51% non-cross) Net Revenue Net Revenue mix $ million % 19% 18% 1 1 Net interest income calculated as interest income on customer balances minus interest expense on customer liabilities.

  7. Slide 7: Delivering efficiencies while investing for the future

    Delivering efficiencies 1 while investing Target 1520%1 income before tax margin 2 for the future 5 2 Reinvestment brings Margin improvement income before tax due to operational margin back towards efficiency and scaling 1520%1 3 4 Reinvestment of the Investments into incremental margin in pricing

  8. Slide 8: Strategic investment in pricing

    Strategic Cross-border take rate (bps) investment bps in pricing

  9. Slide 9: Continuing to target strong growth and healthy levels of profitability

    Continuing to target strong growth and healthy levels of profitability Medium term targets FY27 guidance Net revenue CAGR of Net revenue growth around the middle of with FY24 as base year Income before Income before tax margin1 tax margin1 of around the top of target range 1 Income before tax margin

  10. Slide 10: Fireside chat: Emmanuel Thomassin

    Fireside chat Emmanuel Thomassin Chief Financial Officer

  11. Slide 11: Slide 11

Wise — Q1 2027 Earnings Presentation on 6ix