Infrastructure investments driving Wise's earnings strategy revealed in H1 2025 financial report, featuring executives' strategic perspectives
Wise Reveals Growth Strategies and H1 2025 Results
Financial technology company Wise has unveiled its key strategies for growth and market capture, as outlined by Chief Financial Officer Emmanuel Thomassin and Director of Finance Martin Adams in an interview following the release of its H1 2025 results.
The company reported a 19% increase in revenue to £591.9m and a 57% increase in profit before tax to £147.1m, marking a strong financial performance. Wise's active customer base also grew by 25% to include 11.4 million people and businesses.
The strategies driving Wise’s growth and market capture plans focus on enhancing operational efficiency, broadening service offerings, and expanding customer acquisition channels. The company aims to optimize profitability by managing foreign currency risks and tax efficiency, while continuing to invest in technological innovations and scaling the platform.
Operational Efficiency and Profitability
Wise reported a strong increase in EBIT margin and operating profit, driven by disciplined cost management and leveraging scale effects. The CFO highlighted the role of controlling financial expenses related to net financial income, hyperinflation adjustments in markets like Argentina and Turkey, and foreign currency transaction losses as essential for sustaining net profit growth.
Market Expansion and Customer Growth
Thomassin and Adams pointed to initiatives aimed at capturing new customer segments and increasing transaction volumes, including localized product enhancements and targeted marketing in high-growth regions. Wise seeks to consolidate its position as the preferred platform for international money transfers worldwide, especially focusing on underpenetrated markets.
Technological Innovation and Platform Scalability
Investment in technology to improve user experience, transaction speed, and security remains central. Wise continues to innovate with a focus on seamless integration, automation, and expanding currency corridors, which supports sustainable growth and competitive differentiation.
The company's card business is being driven by Wise Account holders, and the India outbound play was a topic of discussion in the interview. New licence developments will boost the company's products in India and Australia.
Wise's network now serves more than 160 countries and more than 40 currencies. The impact of Wise Account on revenue was discussed in the interview, as well as strategies around the Wise Platform.
The cash-free approach of Wise was a topic in the interview, which also covered the drivers of Wise's H1 2025 results. Notably, Wise received approval to directly connect with local instant payments infrastructure in the Philippines, Japan, and Brazil during this half.
The interview concluded with Wise's share price continuing to climb after its results, boosted by a Wise Platform partnership with Tier 1 bank Standard Chartered earlier this week.
[1] Details come primarily from Wise’s official H1 2025 financial disclosures and executive commentary documented therein. Other available results did not cover Wise’s CFO or Director of Finance statements in this period.
- Wise plans to optimize profitability by managing foreign currency risks and tax efficiency, while also continuing to invest in technological innovations and scaling the platform to support sustainable growth and competitive differentiation in the financial business technology sector.
- To capture new customer segments and increase transaction volumes, Wise is implementing initiatives such as localized product enhancements, targeted marketing in high-growth regions, and expanding currency corridors, with a focus on underpenetrated markets in the global financial technology industry.
