Wise Plc Class A · LSE:WISE

Wise Plc Class A — Q2 FY2027 Earnings Presentation

12 slides from Wise Plc Class A's earnings presentation, Oct 15, 2026

  1. Slide 1: Q2 FY2027 Results Presentation

    77WISe Q2 FY2027 RESULTS PRESENTATION 15 October 2026

  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 Active customers Cross-border volume Customer holdings Card spend volume 20% YoY 22% YoY 28% YoY 30% YoY 3

  4. Slide 4: Strong, sustainable growth

    Strong, sustainable growth Active customers Cross-border volume Customer holdings Card spend volume 20% YoY 22% YoY 28% YoY 30% YoY 4

  5. Slide 5: Cross-border revenue driven by volume and take rate

    Cross-border revenue driven by volume and take rate Cross-border Volume Take rate Cross-border Revenue $ billion) (bps) $ million) 5

  6. Slide 6: Customer engagement drives revenue growth

    Customer engagement drives revenue growth Cross-border Revenue Card and Other Revenue Transaction Revenue $ million) $ million) $ million) 6

  7. Slide 7: Generating interest income on customer balances

    Generating interest income on customer balances Customer Balances Interest Income on Customer Balances $ billion) $ million) 7

  8. Slide 8: Diversification of net revenue (52% non-cross-border)

    Diversification of net revenue 52% non-cross) Net Revenue Net Revenue mix $ million) % 1 Net interest income calculated as interest income on customer balances minus interest expense on customer liabilities 8

  9. Slide 9: 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

  10. Slide 10: 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 H1 FY27 guidance Net revenue CAGR of Net revenue growth Net revenue growth In the upper half of with FY24 as base year Income before tax Income before margin1 around the top IBT margin tax margin

  11. Slide 11: Fireside chat: Emmanuel Thomassin, Chief Financial Officer

    Fireside chat Emmanuel Thomassin Chief Financial Officer 11

  12. Slide 12: Slide 12

Wise — Q2 FY2027 Earnings Presentation on 6ix