Should you buy Wise stock? January 2026

Published first at https://www.3minutebreakdowns.com Wise Plc 3-minute stock analysis. Ticker: $WISE.L Wise reported earnings today and the stock jumped 16% lifting its market value to 10.1 billion pounds. There could be more gains to come so let’s take a closer look. Wise operates a global payments platform that allows individuals and businesses to make low cost money transfers. By undercutting traditional banks, Wise has built a loyal customer base that has allowed it to scale volumes, expand into new markets and launch additional products. And Q3 numbers showed strong momentum across the board. Active customers grew 20% to 10.9 million, Cross border transaction volume grew 25% to 38 billion, customer balances grew 31% to 21 billion and Wise’s underlying income grew 21% to 424 million. That’s the amount of revenue that Wise makes on transactions plus net interest income. Wise also reported a number of new partnerships and licenses, and said that instant transfers reached a new high of 74%. Importantly, Wise is becoming more than just an app. The cross border payment infrastructure that Wise has built is now relied on by digital banks and financial institutions such as Monzo and Morgan Stanley. And as Wise grows, it’s share of global payments will increase. But despite the progress, Wise stock is still roughly flat since its IPO in 2021 and there are some obvious reasons why. ABOUT ME Joe is the original founder of 3-minute Breakdowns and editor for Overlooked Alpha, the number one newsletter for overlooked investing ideas and stock market analysis. Joe evaluates companies from a business-first perspective, searching for things that the market has got wrong and waiting for the 'fat pitch'. LINKS My website: https://www.3minutebreakdowns.com/ Koyfin charts: https://www.koyfin.com/affiliate/overlooked-alpha/?via=3mb TikTok: https://www.tiktok.com/@overlookedalpha X: https://x.com/OverlookedAlpha DISCLAIMER & DISCLOSURE This content is for educational and entertainment purposes only. 3-Minute Breakdowns is not a registered investment advisor and does not provide financial recommendations (only opinions). The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal. The author reserves the right to buy and sell or change his position in a particular stock at any time. This description contains affiliate links that allow you to find the items that I personally use and recommend. Thank you for your support.