Payments shares listed in the UK wise (LSE: WISE) has been a great investment recently. Over the past two years, it has risen from 670p to 984p – turning a £10,000 investment into almost £15,000.

I think this may be the last chance for investors to get under £10. Because I expect to see a sharp move higher in the near future, and once it appears, I don't think it will return to current levels.

Potential for significant growth

There's not a lot of stock on London Stock Exchange In the same vein. Because this is a company with tremendous scalability.

Today, Wise is a leading international payments company, with a dominant market position in Europe and the UK. However, it has so far captured less than 5% of the global personal international payments market (and less than 1% of the global SME payments market), meaning there is still huge growth potential.

Add in the fact that they are constantly rolling out new and innovative products and solutions (multi-currency accounts, debit cards, business solutions, banking partnerships, etc.) and there is a lot of growth potential here overall. It is worth noting that in the last quarter, the company increased the number of its customers by 17% (to 9.8 million) and the volume of cross-border payments increased by 24%, so it is growing quietly and very quickly.

I raise the finances

Wise also has incredible financial resources. Today, it is a very profitable company. For example, last year it made a net profit of £417m (up 17% year-on-year) on revenue of £1,645m (also up 17%).

Return on capital employed (ROCE) – a key measure of profitability – for the year was 36%. This is amazing.

As for its balance sheet, it is very solid. At the end of March, it had plenty of cash and minimal long-term debt.

List of United States in 2026

Looking to the future, Wise is about to be listed in the US soon. It believes that adding a major listing in the US will help it accelerate its journey to becoming the “network” for global funds.

I think this could be a big catalyst for the stock. Because it can open up the world of investors significantly.

Ready to explode

Focusing on the stock, it has been consolidating its gains recently. Since January, he's spent a lot of time hovering between 900p and 1100p.

This is healthy activity for the stock price. Not only did he get the gas out of the balloon (i.e. the noise) but he built a base for the next step.

In my opinion, it is only a matter of time until we see the price rise. Note that the average analyst price target is 1,250p – about 27% above the current share price.

Of course, there are factors that could derail my bullish thesis. These factors include a global economic slowdown (resulting in a decline in payments activity), loss of market share to competitors, and disruptive new fintech solutions.

It is trading on a forward-looking price-to-earnings (P/E) ratio of 26, however, I think the stock is worth a watch. I think in a few years, £10 will be a distant memory.