LHV stock ja kinnisvara? :)
"Henno Viires"
Kui ma tahan saata näiteks UK-st Eestisse raha, näiteks 1000 GBP, nii et saaja Eestis saab 1180.46 EUR, siis Wises nii ongi, 1000 GBP teele ja saaja saab 1180.46 EUR (käesoleva hetke kurss Wise lehel).
Sealt läheb maha 0.20 GBP per transaction ning 0.35% variable fee (kui tasuda pangaülekande või targa pangandusega, kaardid jms kallim).
https://wise.com/en/pricing/send-money?source=GBP&target=EUR&payInMethod=BANK_TRANSFER&sourceAmount=1000
Selles suhtes olen nõus, et lihtne on. Ei ole vaja mingit Rate.ee "raha" osta vahepeal.
Minu jaoks on wise asendamatu reisimisel mitte-euro riikides. Avad originaalvaluutas arve, raha peale ja anna minna. Plusspunktiks veel ka, et MC asemel antakse nüüd Visa.
"vaits"
Minu jaoks on wise asendamatu reisimisel mitte-euro riikides. Avad originaalvaluutas arve, raha peale ja anna minna. Plusspunktiks veel ka, et MC asemel antakse nüüd Visa.
Mis vahe seal tavalise krediitkaardiga tekib? Kas see peaks tulema krediitkaardi vahetuskursist odavam? Või on point selles, et soovid kindlasti deebetkaarti kasutada?
"Casual""vaits"
Minu jaoks on wise asendamatu reisimisel mitte-euro riikides. Avad originaalvaluutas arve, raha peale ja anna minna. Plusspunktiks veel ka, et MC asemel antakse nüüd Visa.
Mis vahe seal tavalise krediitkaardiga tekib? Kas see peaks tulema krediitkaardi vahetuskursist odavam? Või on point selles, et soovid kindlasti deebetkaarti kasutada?
Ise ka kasutanud, nt Ungaris. Feedes on tuntav vahe, vahe kas arveldad krediidi/deebeti kaudu eurodes või otse wisei kaardiga kohalikus valuutas. (lisaks konverteerimine soodsam)
Olen praegu Türgis teinud 40 kaardimakset ja 1 sula väljavõtt. Wise kaardilt liirides. Ühekordne kulu 1.68€ mis Wise võttis eurode muundamise eest 7000-ks liiriks. Vahetuskurss oli isegi nõks parem kui selle päeva Eesti panga oma. Pole küll pankade viimaste hinnakirjadega kursis, aga kahtlustan, et oma Seb/Lhv kaartidega siin tegutsedes läheks asi palju kallimaks. Lisaks on oluline mugavus - mul on kohalikus rahas kaart. Viipan ja astun edasi.
Tekib küll mõte, et kas see on ikka investorite foorum, või mingite pensionäride säästunippide oma.
Kui palju sa seda sulli seal Türgis välja võtad? Et kõik see jama nagu ära ka tasub?
Mul pole kunagi tulnud mõttesse välismaal mingit muud kaarti kasutada, kui kodupanga oma.
Kui palju sa seda sulli seal Türgis välja võtad? Et kõik see jama nagu ära ka tasub?
Mul pole kunagi tulnud mõttesse välismaal mingit muud kaarti kasutada, kui kodupanga oma.
"Casual""vaits"
Minu jaoks on wise asendamatu reisimisel mitte-euro riikides. Avad originaalvaluutas arve, raha peale ja anna minna. Plusspunktiks veel ka, et MC asemel antakse nüüd Visa.
Mis vahe seal tavalise krediitkaardiga tekib? Kas see peaks tulema krediitkaardi vahetuskursist odavam? Või on point selles, et soovid kindlasti deebetkaarti kasutada?
"vaits"
Olen praegu Türgis teinud 40 kaardimakset ja 1 sula väljavõtt. Wise kaardilt liirides. Ühekordne kulu 1.68€ mis Wise võttis eurode muundamise eest 7000-ks liiriks. Vahetuskurss oli isegi nõks parem kui selle päeva Eesti panga oma. Pole küll pankade viimaste hinnakirjadega kursis, aga kahtlustan, et oma Seb/Lhv kaartidega siin tegutsedes läheks asi palju kallimaks. Lisaks on oluline mugavus - mul on kohalikus rahas kaart. Viipan ja astun edasi.
LHV Mastercardi valuutakursi kalkulaator
maksta 10 000 HUF = 27.95 EUR, vahe Euroopa Keskpanga kursiga 2,26% (sh. LHV teenustasu 1%)
kui ma nüüd õigesti aru saan, siis Wise kaudu 10 000 HUF = 26.98 EUR
Türgi liiri isegi ei saa arvutada LHV kalkulaatoriga
3,5% on päris arvestatav vahe. Wisega on lisaks ka sulli väljavõtt 200€ vääringus tasuta.
Üks võimalik põhjus tänase 6% languse taga, kuna osad ilmselt ootasid MSCI indeksi koosseisu saamist.
FinnCap analyst Patrick Basiewicz says the stock is down because it missed out on MSCI inclusion, likely because of the company’s small free float.
FinnCap analyst Patrick Basiewicz says the stock is down because it missed out on MSCI inclusion, likely because of the company’s small free float.
Võimalus on, et PSFE langus ka mõjus?
Wise avaldas täna poolaasta tulemused, tõstes kogu majandusaasta prognoose
FIRST HALF RESULTS
* Revenue GBP256.3 million, +33% y/y
* 1H22 gross profit stands at£173.8m, implying a 67.8% margin vs 62.0% last year
COMMENTARY AND CONTEXT
* See Annual Rev Growth Fy22 Mid-to-High 20s on A % Basis (prev low to mid 20s %)
* See Take Rate to Be 'Slightly' Lower in 2H
* See Gross Margin to Be C.65-67% for Fy22 (raised in Oct 21 trading update)
* Managed to reduce the average price customers pay for moving money across borders to 0.62% in Q2 FY22, down 7bps compared to the average prices in Q4 FY21
* Expanded customer base: we served 3.9 million active customers in Q2 FY22, an increase of 7% from Q1 FY22 or 23% as compared to Q2 FY21
* Adjusted EBITDA margin of 24% was slightly lower than the 26% margin last year due to planned investment in our teams and products
* Free Cash Flow remains healthy, growing 39% to £59.0M compared to H1 FY21
* Based on our progress and current outlook for volumes and price drops, we now expect annual revenue growth for FY22 to be mid-to-high 20s on a percentage basis
* As a result of the larger than anticipated cost savings flowing through into price reductions in the first half, we continue to expect the take rate to be slightly lower in the second half and for the gross margin to be c.65-67% for FY22, subject to foreign exchange-related costs continuing to remain broadly stable.
FIRST HALF RESULTS
* Revenue GBP256.3 million, +33% y/y
* 1H22 gross profit stands at£173.8m, implying a 67.8% margin vs 62.0% last year
COMMENTARY AND CONTEXT
* See Annual Rev Growth Fy22 Mid-to-High 20s on A % Basis (prev low to mid 20s %)
* See Take Rate to Be 'Slightly' Lower in 2H
* See Gross Margin to Be C.65-67% for Fy22 (raised in Oct 21 trading update)
* Managed to reduce the average price customers pay for moving money across borders to 0.62% in Q2 FY22, down 7bps compared to the average prices in Q4 FY21
* Expanded customer base: we served 3.9 million active customers in Q2 FY22, an increase of 7% from Q1 FY22 or 23% as compared to Q2 FY21
* Adjusted EBITDA margin of 24% was slightly lower than the 26% margin last year due to planned investment in our teams and products
* Free Cash Flow remains healthy, growing 39% to £59.0M compared to H1 FY21
* Based on our progress and current outlook for volumes and price drops, we now expect annual revenue growth for FY22 to be mid-to-high 20s on a percentage basis
* As a result of the larger than anticipated cost savings flowing through into price reductions in the first half, we continue to expect the take rate to be slightly lower in the second half and for the gross margin to be c.65-67% for FY22, subject to foreign exchange-related costs continuing to remain broadly stable.
Ei saa öelda, et Wise'i investor on igav olla, peale tulemuste avalikustamist oli eile pärastlõunal aktsia mingi hetk +13,5% versus eelmine close, täna hommikul jõudis praktiliselt avalikustamisele eelnenud tasemele tagasi...
Kogu payment sektor on hetkel turul peksupoisi osas. Vt PYPL, GPN, WU jne. Enne, kui see ei muutu, ei ole ka WISE'l lootust, olgu tulemused kui head tahes. Suurem narratiiv juhib turgu, mis see täpselt on, ma pole uurinud. Võimalik, et cryptol baseeruvatest lahendustest oodatakse uut "suurt asja", mis kõik legacy player'id välja suretab. Rõhk sõnal "oodatakse", kas nii läheb, on iseasi.
Nagu IPO prospektis oli juba ette öeldud, astus Taavet Hinrikus nüüd nõukogu juhi kohalt tagasi, et tugevdada juhtimiskultuuri
* David Wells has become Independent Non- Executive Chair at Wise with immediate effect, according to statement.
* Wells will replace Wise co-founder Taavet Hinrikus, who is stepping down as chair and director, as confirmed in the listing prospectus
* David Wells has become Independent Non- Executive Chair at Wise with immediate effect, according to statement.
* Wells will replace Wise co-founder Taavet Hinrikus, who is stepping down as chair and director, as confirmed in the listing prospectus
:-D Kuidas see Taavet piduriks oli?
Seadusandlusest tulenev....
Wise'i prospektist: The Governance Code recommends that at least half the board of directors, excluding the
chair, should comprise non-executive directors determined by the board to be
independent in character and judgement and free from relationships or circumstances
which may affect, or could appear to affect, the director’s judgement. The Governance
Code also recommends that the board of directors should appoint one of the nonexecutive directors to be the senior independent director to provide a sounding board for the chair and to serve as an intermediary for the other directors when necessary. While the Company will not comply with these aspects of the Governance Code at Admission,it is anticipated that the existing Chair, Taavet Hinrikus, will assist with the transition of the Company to a public context for up to one year following Admission, after which he will step down and the Senior Independent Director, currently David Wells, will be appointed as Chair. In addition, the Board is aiming to recruit an additional independent
director within six months of Admission to ensure the composition of the Board is fully compliant with the Governance Code.
The Governance Code further recommends that directors should be subject to annual reelection. The Company intends to comply with this recommendation and such annual reelection is required.
Wise'i prospektist: The Governance Code recommends that at least half the board of directors, excluding the
chair, should comprise non-executive directors determined by the board to be
independent in character and judgement and free from relationships or circumstances
which may affect, or could appear to affect, the director’s judgement. The Governance
Code also recommends that the board of directors should appoint one of the nonexecutive directors to be the senior independent director to provide a sounding board for the chair and to serve as an intermediary for the other directors when necessary. While the Company will not comply with these aspects of the Governance Code at Admission,it is anticipated that the existing Chair, Taavet Hinrikus, will assist with the transition of the Company to a public context for up to one year following Admission, after which he will step down and the Senior Independent Director, currently David Wells, will be appointed as Chair. In addition, the Board is aiming to recruit an additional independent
director within six months of Admission to ensure the composition of the Board is fully compliant with the Governance Code.
The Governance Code further recommends that directors should be subject to annual reelection. The Company intends to comply with this recommendation and such annual reelection is required.
BofA alustab katmist ostusoovitusega
* Wise is the clear market leader, with largest client base and customer ratings, lowest pricing, and leading profitability.
* Firm’s sophisticated cross-border payments infrastructure gives Wise room to grow as new entrants face significant time and capital investment to compete
* Earnings upgrades should support a rerating
* Price target 1,092p
* Wise is the clear market leader, with largest client base and customer ratings, lowest pricing, and leading profitability.
* Firm’s sophisticated cross-border payments infrastructure gives Wise room to grow as new entrants face significant time and capital investment to compete
* Earnings upgrades should support a rerating
* Price target 1,092p
Clear market leader, they said, earnings upgrades, they said . . .
... ja tulemus on selline:
Midagi on mäda selle Wise´ga, kui ta ka Bofa Buy-initseerimise päeval miinusesse müüakse.
RELY alustas ka päeva üsna mõõduka langusega. Isegi see ei saa viimase tunni müügi põhjus olla.
Ahjaa, 01.12.2021 oli vahepeal ka see:
* Wise plc (WISE:LN) (WPLCF) PT Lowered to GBP9.60 at Credit Suisse
... ja tulemus on selline:
Midagi on mäda selle Wise´ga, kui ta ka Bofa Buy-initseerimise päeval miinusesse müüakse.
RELY alustas ka päeva üsna mõõduka langusega. Isegi see ei saa viimase tunni müügi põhjus olla.
Ahjaa, 01.12.2021 oli vahepeal ka see:
* Wise plc (WISE:LN) (WPLCF) PT Lowered to GBP9.60 at Credit Suisse