Wise (WPLCF) Moat Score : 6/10 (As of Jul. 01, 2025)

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What is Wise Moat Score?

Wise has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Wise has Narrow Moat: Wise PLC has a strong brand and customer loyalty in financial services. It benefits from network effects and cost advantages but lacks the regulatory barriers and pricing power for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Wise might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Competitive Comparison of Wise's Moat Score

For the Information Technology Services subindustry, Wise's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Wise's Moat Score Distribution in the Software Industry

For the Software industry and Technology sector, Wise's Moat Score distribution charts can be found below:

* The bar in red indicates where Wise's Moat Score falls into.

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Wise (OTCPK:WPLCF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Wise Moat Score Related Terms

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Wise Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Technology » Software » Wise PLC (OTCPK:WPLCF) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

WIZEY:USA WISEl:UK WISE:UK 6WS:Germany

Address

56 Shoreditch High Street, 6th Floor, Tea Building, London, GBR, E1 6JJ

Website

https://www.wise.com

Wise is a currency conversion platform matching where possible offsetting currency transactions across borders to reduce costs. The group focuses primarily on private clients and small and midsize enterprises, but is building out its platform business aimed at providing its services as a backend solution to banks. By operating local accounts in each jurisdiction Wise sends money to or receives money from, this fintech offers faster and cheaper currency transfer services than incumbents (banks). Wise has started to broaden its product offering, issuing its clients debit cards and allowing customers to invest funds into various asset-management products.