Wise Group plc filed a Form 6-K with the U.S. Securities and Exchange Commission on November 13, 2026, reporting its first-half fiscal year 2027 results for the six months ended September 30, 2026.

Key Highlights

  • Active customers: increased 21% year-over-year to over 16 million, with 4.1 million new active customers added during the period.
  • Net revenue: grew 23% year-over-year to $1,453.1 million, or 22% on a constant currency basis.
  • Cross-border volume: reached $141.0 billion, up 24% year-over-year (22% in constant currency), driven mainly by growth in the U.S. and Asia Pacific.
  • Net income: increased 6% year-over-year to $249.2 million, with income before tax up 9% to $334.9 million at a 23% margin.
  • Customer holdings: rose 28% year-over-year to $43.5 billion as of September 30, 2026, including $11.4 billion in assets under custody, which increased 52% year-over-year.
  • Dual listing: the company disclosed it successfully dual-listed in May across Nasdaq (U.S.) and LSE (UK).
  • Brussels settlement: Wise Europe reached an agreement to fully resolve and settle a matter with the Brussels prosecutor's office, with no admission of wrongdoing, according to the filing.

Wise Group H1 FY27 Financial and Operational Results

According to the filing, transaction revenue increased 25% year-over-year to $1.1 billion. Within that figure, cross-border revenue grew 19% year-over-year to $705.0 million, card revenue increased 43% year-over-year to $252.0 million on card spend volume of $27.2 billion (up 33% year-over-year), and other revenue grew 27% year-over-year to $145.2 million. The cross-border take rate declined 2 basis points to 0.50%, which the filing attributed to the company proactively investing part of its operating leverage to lower prices for customers.

The filing reported that total operating expenses increased 28% year-over-year to $(1,150.3) million. Technology and development costs rose 51% year-over-year to $(292.2) million, servicing increased 40% year-over-year to $(250.6) million, and general and administrative expenses grew 41% year-over-year to $(256.7) million. The filing noted that general and administrative expenses included approximately $(15) million in one-off listing expenses. Transaction expenses, by contrast, decreased 12% year-over-year to $(229.7) million, reflecting what the company described as greater transactional efficiency and reinvestment of gains.

On the interest income side, the filing disclosed that interest income on customer balances increased 16% year-over-year to $463.6 million, while interest expense on customer liabilities rose 15% year-over-year to $112.7 million. The filing also noted several product and infrastructure developments during the period, including the addition of a ninth direct integration in Malaysia, the launch of services in Chile, Thailand, and Canada, and new Wise Platform partnerships, including with two large banks in North America. Post-period events disclosed include the appointment of Barak Eilam as Non-Executive Director and Chair Designate of the Board of Directors.

What Was Disclosed

Wise Group plc disclosed H1 fiscal year 2027 financial results showing net revenue of $1,453.1 million, net income of $249.2 million, 16.2 million active customers, and $141.0 billion in cross-border volume for the six months ended September 30, 2026.