WISE Finance S.A. (WSE:IBS)

Poland · Delayed Price · Currency is PLN

62.00

-3.80 (-5.78%)

Sep 25, 2026, 9:57 AM CET

WISE Finance Financials Overview

Financials in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	10.29	18.43	16.79	16.63	18.85	3.84
Revenue Growth	-60.24%	9.80%	0.94%	-11.79%	390.48%	-
Gross Profit	9.64	18.31	16.69	11.47	8.12	2.83
Operating Income	0.83	-0.07	0.32	-1.19	3.48	1.5
Net Income	1.33	-5.68	2.46	13.01	23.18	32.58
Earnings Per Share	-	-14.69	6.37	33.64	59.93	92.03
EPS Growth	-	-	-81.07%	-43.87%	-34.88%	-

Revenue by Segment

Fiscal Year	FY 2025	FY 2024
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Factoring	7.61	4.94
Car Fleet Management Services	10.79	10.98
Supporting Financial Services	0.04	0.87
Total	18.43	16.79

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	0.03	0.77	3.1	0.21	0.74	0.01
Total Debt	58.25	58.02	78.39	66.6	47.08	29.25
Net Cash (Debt)	-58.22	-57.25	-75.3	-66.39	-46.34	-29.24
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-	-148.01	-194.68	-171.64	-119.82	-82.59

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	1.65	1.21	13.83	2.64	3.24	-2.72
Capital Expenditures	-0.75	-0.74	-0.16	-0	-	-
Free Cash Flow	0.9	0.47	13.67	2.64	3.24	-2.72
Free Cash Flow Growth	-91.10%	-96.54%	418.24%	-18.51%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	93.69%	99.32%	99.43%	68.96%	43.07%	73.67%
Operating Margin	8.11%	-0.40%	1.91%	-7.14%	18.44%	39.05%
Pretax Margin	10.24%	-30.82%	14.67%	78.23%	122.94%	847.50%
Profit Margin	12.88%	-30.82%	14.67%	78.23%	122.94%	847.50%
FCF Margin	8.75%	2.57%	81.40%	15.86%	17.16%	-70.66%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 25, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	19.21	-	11.90	2.31	0.88	0.21
P/FCF Ratio	28.28	60.18	2.15	11.38	6.34	-
PS Ratio	2.47	1.54	1.75	1.81	1.09	1.81