WSE vs CRCL Stock Comparison

Wise and Circle Internet Prices as of Oct 23, 2026 Peers: Industry group
WSE Wise Group plc
$11.07 -2.5% 1M
Market cap
$11.20B
P/E
–
Revenue (TTM)
—
Div. yield
–
Money Transfer Financial Services
2 wins

Head to Head

3 decided of 12

Wise leads on 2 of the 12 questions below (Wise 2, Circle Internet 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionWSECRCLLeader
Larger companyMarket capitalisation $11.20B $19.79B CRCL
Cheaper on earningsLower P/E, profitable companies only — 43.9x –
Cheaper on forward earningsLower price / next fiscal year consensus EPS 19.8x 83.4x WSE
Faster revenue growthRevenue growth, trailing twelve months — +37.2% –
More profitableNet margin, trailing twelve months — 15.5% –
Better return on capitalReturn on invested capital — 6.2% –
Less leveragedLower net debt / EBITDA — — –
Higher dividend yieldTrailing dividend yield 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months — -33.9% –
Better 5-year returnAnnualised price return, 5 years — — –
Less volatileAnnualised volatility, 1 year 44.0% 95.2% WSE
Higher overall scoreMean of the five percentile scores vs peers — 46/100 –

Percentile Scorecard

WSECRCL

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisWSECRCL
Valuation – 46 #53 of 97
Growth – 96 #4 of 69
Profitability – 42 #41 of 70
Financial Health – 29 #72 of 101
Shareholder Returns – 15 #34 of 40
Overall – 46
  • WSE ranked among 1,011 companies in Financial Services
  • CRCL ranked among 112 companies in Capital Markets

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodWSECRCLSPY
1 month -2.5%-6.3% -1.0%
3 months -2.3%+37.7% +2.9%
6 months —-13.8% +6.4%
Year to date —+8.3% +11.4%
1 year —-33.9% +13.1%

Risk

MeasureWSECRCLSPY
Volatility, 1Y 44.0%95.2% 12.7%
Downside volatility, 1Y 48.6%91.4% 12.7%
Beta vs S&P 500, 1Y 0.602.87 1.00
Return / volatility, 1Y —-0.36 1.03
Max drawdown, 5Y -32.5%-80.9% -25.4%
From 52-week high -28.1%-40.1% -2.5%
52-week high $15.40$143.29 $779.14
52-week low $10.40$50.23 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleWSECRCL
P/E now vs peer median —median 13.4x 47.2xmedian 29.4x
P/S now vs peer median —median 3.2x 6.9xmedian 2.8x
EV/EBITDA now vs peer median —median 5.9x 57.1xmedian 12.8x
P/FCF now vs peer median 1.8xmedian 11.1x 26.3xmedian 15.9x
P/B now vs peer median —median 1.2x 5.7xmedian 2.5x
PEG now vs peer median —median 0.89 —median 0.51

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsWSECRCL
Revenue – $2.91B
Gross profit – $1.18B
Operating income – $215.57M
Net income – $451.26M
Free cash flow – $761.52M
EPS (diluted) – $1.68
Cash & equivalents – $1.73B
Total debt – $185.92M
Shares (diluted) 1.03B 268.64M
Enterprise value $11.20B $13.67B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricWSECRCL
P/E – 47.2x
P/FCF 1.8x 26.3x
P/Operating cash flow – 25.8x
P/S – 6.9x
P/B – 5.7x
P/Tangible book – 6.5x
EV/EBITDA – 57.1x
EV/EBIT – 85.0x
EV/Revenue – 6.3x
EV/FCF – 24.1x
EV/Operating cash flow – 23.6x
PEG (3Y EPS CAGR) – –

Growth

14 metrics
MetricWSECRCL
Revenue growth (1Y) – 37.2%
Revenue CAGR (3Y) – –
Gross profit growth (1Y) – 47.0%
Gross profit CAGR (3Y) – –
Operating income growth (1Y) – 228.3%
Operating income CAGR (3Y) – –
Net income growth (1Y) – 231.5%
Net income CAGR (3Y) – –
EPS growth (1Y) – 152.6%
EPS CAGR (3Y) – –
Operating cash flow growth (1Y) – 48.5%
Operating cash flow CAGR (3Y) – –
Free cash flow growth (1Y) – 52.0%
Free cash flow CAGR (3Y) – –

Profitability

14 metrics
MetricWSECRCL
Gross margin – 40.5%
EBITDA margin – 11.0%
Operating margin – 7.4%
Pretax margin – 13.8%
Net margin – 15.5%
FCF margin – 26.2%
Operating cash flow margin – 26.7%
Return on equity – 13.0%
Return on assets – 0.6%
Return on invested capital – 6.2%
Return on capital employed – 4.1%
Asset turnover – 0.0x
Cash conversion (OCF / net income) – 1.7x
Stock comp / revenue – 7.7%

Financial Health

11 metrics
MetricWSECRCL
Debt / assets – –
Debt / equity – –
Net debt / EBITDA – –
Debt / FCF – –
Liabilities / assets – 95.5%
Equity / assets – 4.5%
Interest coverage – –
Current ratio – 1.0x
Quick ratio – 0.0x
Cash ratio – 0.0x
Altman Z-score – 0.23

Shareholder Returns

7 metrics
MetricWSECRCL
Dividend yield – –
Net buyback yield – -2.7%
Shareholder yield – -2.7%
Payout ratio (earnings) – –
Payout ratio (FCF) – –
Dividend growth (1Y) – –
Dividend CAGR (3Y) – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusWSECRCL
Forward P/E 19.8xFY2026 83.4xFY2026
EPS, next fiscal year $0.56FY2026 $1.03FY2026
EPS growth, next FY +16.7%FY2026 –
EPS growth, the year after +19.6% +47.6%
Revenue, next fiscal year $2.83BFY2026 $3.22BFY2026
Revenue growth, next FY +13.4%FY2026 +16.9%FY2026
Revenue growth, the year after +22.0% +24.3%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersWSECRCL
Held by institutions 26.2% 52.3%
Institutions holding 214 562
Change in shares held, QoQ – +11.4%
Institutions buying 214 380
Institutions selling 0 120
Buyers to sellers – 3.17

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

WSECRCL
WSE 1.00 0.35
CRCL 0.35 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, WSE and CRCL?

Circle Internet (CRCL) is the largest by market capitalisation: Wise (WSE) $11.20B, Circle Internet (CRCL) $19.79B.

Which stock is riskier?

By one-year price volatility, Wise (WSE) has been the steadiest (Wise (WSE) 44.0%, Circle Internet (CRCL) 95.2%). Volatility measures how widely the price swings, not the risk of the business.

Do WSE and CRCL move together?

Their daily returns over the past year have a correlation of 0.35, a weak relationship. Holding both diversifies more than two closely linked stocks would.

Which is the better stock, WSE and CRCL?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Wise (WSE) leads on 2. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.