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Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
Wise
Wise (WISE) investor relations material
Wise Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary20 Jan, 2026
Executive summary
Quarterly cross-border volume rose 25% year-over-year to £47.4bn, with 10.9 million active customers, up 20% year-over-year.
Customer holdings increased 34% to £27.5bn, and card and other revenue grew 30% year-over-year.
Wise Business active customers grew 25% year-over-year to 542,000, with business volumes up 37%.
74% of payments were delivered instantly, a 9 percentage point increase year-over-year.
New product launches included the Wise travel card in India and Google Pay integration in the Philippines; secured a conditional license in South Africa and direct integration with Japan's Zengin system.
Financial highlights
Underlying income for Q3 FY26 was £424.4m, up 21% year-over-year on both reported and constant currency bases.
Card and other revenue reached £127.4m, up 30% year-over-year.
Underlying interest income (first 1% yield) was £51.6m, up 33% year-over-year.
Cross-border take rate was 0.52%, down from 0.56% a year ago.
Outlook and guidance
Underlying income growth for FY26 is expected to be around the middle of the 15-20% guided range.
Underlying profit before tax margin for FY26 is now expected towards the top of the 13-16% range, including dual listing costs.
Dual listing expected to complete in H1 2026, aiming to boost US profile and global growth.
Explain PBT margin strength despite take rate drop
Address declining non-underlying interest
How will business segment growth be sustained
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Next Wise earnings date
H2 202611 Jun, 2026
Wise
Next Wise earnings date
H2 202611 Jun, 2026
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Frequently asked questions
Transferring Money in a Wise Way
Wise PLC, previously known as TransferWise, is a financial technology firm based in London, UK. Established in 2011, the company set out to reshape international money transfers by offering an alternative to traditional banking systems. Through its platform, Wise provides transparent exchange rates and seeks to eliminate hidden fees, aiming to make cross-border transactions more straightforward and cost-effective. Over the years, the company's offerings have grown beyond just money transfers to encompass multi-currency accounts, debit cards, and business banking services.
Making International Payments Simple
Wise, began its journey with the aim to simplify and reduce costs associated with international money transfers. The founders, motivated by their personal experiences with costly and opaque cross-border transactions, launched a platform that utilized real exchange rates that was simple to use. Their model quickly garnered attention for its transparency and efficiency. As the company grew, it not only expanded its global reach but also introduced new services like multi-currency accounts and debit cards.
The Services
The company offers a modern solution to traditional cross-border financial transactions. Their main service revolves around facilitating international money transfers at real exchange rates, effectively eliminating the hidden fees common with many banks. Users can send, spend, and receive money in multiple currencies, providing a seamless experience for those managing finances across borders. Additionally, Wise offers a multi-currency account, allowing customers to hold and convert over 50 currencies. This account comes with a debit card that can be used globally, ensuring currency conversion is at the real rate without markup. Through these offerings, Wise provides a transparent, efficient, and more affordable alternative for consumers whose lifestyles or personal circumstances demand a convenient way of transferring money internationally. Some examples of publicly traded companies that compete with Wise by offering a similar service are Western Union, MoneyGram, and PayPal.
A Global Platform
Operating in over 70 countries, the platform Wise provides handles transactions in a myriad of currencies, ensuring that users worldwide can execute cross-border transfers with ease. Their vast network is backed by a digital infrastructure that streamlines transfers and reduces costs. Through partnerships and integrations, Wise has made its mark not only with individual consumers but also with businesses seeking efficient international payment solutions.
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