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The Western Union Company WU R3KFINANCIAL

Financial Services · Credit Services · United States
https://www.westernunion.com
Company Profile ↓
$6.54
-15.48% 1Y
Mkt Cap$2.04B
P/E5.27
P/B2.43
Div. Yield13.13%
52W High$9.38
52W Low$6.14
Book Value$2.91
EPS (TTM)$1.24

Company Overview

The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents and owned locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, money order and media network services, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 44.0%, reflecting efficient use of shareholder capital.

Healthy Capital Returns

Return on capital employed stands at 19.5%.

Reasonable Valuation

Trades at a P/E of 5.3, below the sector median of 13.8.

Dividend Income

Offers a dividend yield of 13.13%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $4.05B (-3.8% YoY); net profit $499.60M.
  • Trailing 12 Months Year-on-year growth — revenue -1.3%, earnings -35.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR -1.1%, profit CAGR 8.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-1.11%
1 Year:-1.30%

Compounded Profit Growth

5 Years:8.87%
1 Year:-35.10%

Stock Price Performance

1 Year:-15.48%
6 Months:-24.41%
3 Months:-6.72%
1 Month:-5.68%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 12% of range
$6.14 $9.38
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)36.46 · Neutral
Price Performance
1M-5.68%
3M-6.72%
6M-24.41%
1Y-15.48%
Valuation vs Sector

P/E of 5.27 is below the sector median of 13.82 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 44.0%.
  • Attractive dividend yield of 13.13%.
  • Generates positive free cash flow.

CONS

  • Revenue declined at -1.1% CAGR over 5 years.
  • Trading 30.3% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
5.27
Industry PE
13.82
Forward P/E
4.23
PEG Ratio
11.85
Book Value
$2.91
Price to Book
2.43
P/S
0.55
EV/EBITDA
4.79
Dividend Yield
13.13%

Growth (CAGR)

Revenue 5Y
-1.11%
Profit 5Y
8.87%
Revenue (YoY)
-1.30%
Earnings (YoY)
-35.10%

Profitability & Returns

ROCE
19.54%
ROE
43.97%
ROA
5.12%
Profit Margin
9.80%
Op Margin
13.04%
Gross Margin
35.09%
EPS (Latest Qtr)
$0.24
EPS (TTM)
$1.24

Balance Sheet & Liquidity

Debt/Equity
2.95
Quick Ratio
0.22
Current Ratio
0.28
Debt
$2.70B
Total Assets
$7.97B
Current Assets
$4.30B
Working Capital
$566.90M

Ownership

Promoter Holding
0.86%
Chg in Prom Hold
-
FII / Inst Holding
100.17%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$2.04B
Total Revenue (TTM)
$4.04B
EBITDA
$832.50M
Free Cash Flow
$357.28M
Operating Cash Flow
$609.70M
Shares Outstanding
311.88M
Gross Margin
35.09%
Payout Ratio
75.81%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 WU The Western Union Company R3KFINANCIAL 6.54 5.27 $2.04B 13.13% 19.54% 43.97% -1.11% 8.87%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 348.92 14.95 $927.50B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 519.80 13.07 $731.90B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 370.93 31.60 $632.11B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 567.75 31.20 $493.64B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 57.90 13.37 $404.88B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 780,297.00 13.08 $381.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 100.84 14.41 $345.84B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 202.42 16.35 $318.20B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------1.35B1.36B1.33B-1.28B1.27B1.24B-1.12B1.06B1.21B1.17B1.24B1.23B1.10B1.08B1.03B979.00M1.11B1.05B995.70M1.02B993.40M-938.70M1.03B1.03B1.01B982.70M1.01B
Cost of Revenue -----------------------------------642.80M643.20M645.40M654.90M676.70M
Gross Profit -----------------------------------383.30M389.40M363.00M327.80M336.50M
Operating Expenses -----------------------------------190.60M187.50M177.70M204.80M204.40M
Operating Income 304.50M281.80M258.60M260.30M278.30M-313.50M240.10M215.40M272.20M-251.90M264.90M283.60M302.60M271.00M251.20M258.90M197.40M226.50M233.20M221.80M285.20M232.80M254.90M318.60M237.50M264.00M231.80M204.70M242.60M210.90M192.10M190.70M164.90M-177.40M192.70M201.90M185.30M123.00M132.10M
EBITDA -----------------------------------236.60M245.90M229.80M173.00M184.20M
Interest Expense -----------------------------------36.70M37.00M36.70M36.20M39.50M
Pretax Income -----------------------------------159.70M167.60M151.10M90.10M95.40M
Tax Provision -----------------------------------37.60M28.00M36.70M25.40M18.70M
Net Income ------161.70M166.50M235.60M-1.12B213.60M217.60M208.60M212.10M173.10M614.80M135.00M135.40M176.70M161.90M228.60M181.80M222.50M232.70M293.30M194.00M173.90M151.80M176.20M171.00M142.70M141.00M264.80M-123.50M122.10M139.60M114.40M64.70M76.70M
Diluted EPS 0.450.420.370.420.44-0.730.330.350.51-2.440.460.470.460.480.391.420.320.320.420.390.550.440.540.570.740.500.450.400.470.460.410.410.78-0.360.370.430.360.200.24

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 4.90B5.28B5.08B5.19B5.49B5.66B5.54B5.61B5.48B5.42B5.52B5.38B5.03B4.63B-4.48B4.36B4.21B4.05B
Cost of Revenue ---------------2.63B2.67B2.62B2.55B
Gross Profit ---------------1.85B1.69B1.59B1.50B
Operating Expenses ---------------964.20M867.80M863.40M742.80M
Operating Income 1.32B1.35B1.28B1.30B1.39B1.33B1.11B1.14B1.11B487.00M475.80M1.12B934.00M967.30M-884.90M817.50M725.80M757.30M
EBITDA ---------------1.29B1.03B917.50M934.10M
Interest Expense ---------------101.00M105.30M119.80M143.00M
Pretax Income ---------------1.01B745.80M618.60M625.70M
Tax Provision ---------------98.00M119.80M-315.60M126.10M
Net Income ---------253.20M-557.10M851.90M1.06B744.30M-910.60M626.00M934.20M499.60M
Diluted EPS 1.111.241.211.361.841.691.431.591.620.51-1.191.872.461.79-2.341.682.741.52

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2006Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --5.58B7.35B7.93B9.07B9.47B10.12B9.88B9.45B9.42B9.23B9.00B8.76B9.50B-8.50B8.20B8.37B8.31B
Current Assets ----------------1.55B1.56B5.17B5.00B
Cash & Equivalents 1.42B1.79B1.30B1.69B2.16B1.37B1.78B2.07B1.78B1.32B877.50M838.20M973.40M1.45B1.43B-1.29B1.27B2.11B1.64B
Inventory --------------------
Receivables ---------------1.18B-1.73B1.40B1.60B
Total Liabilities --5.59B7.00B7.35B8.18B8.53B9.02B8.59B8.04B8.52B9.72B9.31B8.80B9.31B-8.02B7.72B7.40B7.35B
Current Liabilities ----------------1.55B1.52B726.80M4.43B
Long Term Debt ----------------2.44B2.14B2.94B2.44B
Total Debt ----------------2.62B2.67B3.13B3.10B
Total Equity -315.40M50.70M-8.10M353.50M582.70M894.80M940.60M1.10B1.30B1.40B902.20M-491.40M-309.80M-39.50M186.60M-477.80M479.00M968.90M957.80M
Shares Outstanding ----------------373.50M350.50M337.90M315.70M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 1.10B1.25B1.22B994.40M1.17B1.19B1.09B1.05B1.07B1.04B742.00M821.30M914.60M877.50M-581.60M783.10M406.30M543.70M
Investing Cash Flow -202.00M-453.70M-324.10M-64.60M-1.36B-258.20M-341.30M-89.40M-286.40M-271.10M-204.60M-328.80M167.00M-373.50M-525.50M-140.80M-16.30M-230.30M
Financing Cash Flow -530.10M-1.30B-504.40M-457.60M-601.10M-521.50M-450.70M-1.25B-1.25B-1.21B-570.50M-357.20M-1.48B-185.90M--1.18B-896.80M-69.30M-782.60M
Capital Expenditure -83.50M-53.90M-59.70M-53.30M-52.80M-60.90M-80.20M-67.80M-94.40M-68.80M-69.10M-136.70M-48.10M-36.50M--208.20M-147.80M-130.60M-150.80M
Free Cash Flow 1.02B1.20B1.16B941.10M1.12B1.12B1.01B978.10M976.70M973.10M672.90M684.60M866.50M841.00M-373.40M635.30M275.70M392.90M
Net Change in Cash ----------------70.20M-254.50M320.70M-469.20M
Share Buybacks 726.80M1.31B400.20M581.40M803.90M766.50M399.70M495.40M511.30M501.60M502.80M412.40M552.60M239.70M409.90M369.90M308.40M186.20M234.60M

Ratios (Annual)

Figures in %.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ---------------41.3%38.7%37.8%37.0%
Operating Margin % 27.0%25.7%25.2%25.0%25.2%23.5%20.0%20.3%20.2%9.0%8.6%20.8%18.6%20.9%-19.8%18.8%17.2%18.7%
Net Margin % ---------4.7%-10.1%15.8%21.0%16.1%-20.3%14.4%22.2%12.3%
ROE % ---------28.1%113.4%-275.0%-2,679.2%398.9%-190.6%130.7%96.4%52.2%
ROCE % ---------------12.7%12.2%9.5%19.5%

Shareholding Pattern

Insiders
0.86%
Institutions
100.17%
Public Float
101.04%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 10.07% 31.40M $227.36M
2 Vanguard Portfolio Management LLC 5.74% 17.91M $129.65M
3 Schroder Investment Management Group 5.56% 17.34M $125.54M
4 Capital Research Global Investors 4.70% 14.67M $106.23M
5 Vanguard Capital Management LLC 4.49% 14.02M $101.50M
6 State Street Corporation 3.63% 11.31M $81.89M
7 Charles Schwab Investment Management, Inc. 3.61% 11.25M $81.42M
8 LSV Asset Management 3.52% 10.98M $79.47M
9 Allianz Asset Management GmbH 3.32% 10.36M $75.04M
10 AQR Capital Management, LLC 3.24% 10.11M $73.21M

Analyst View

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Latest News

Recent headlines for WU

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Western Union (WU) Stock May Be Below Fair Value As AUSTRAC Probes AML Controls - Yahoo Finance

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WU — Frequently Asked Questions

What is the current share price of The Western Union Company (WU)?

As of 2026-09-16 18:39 PDT, The Western Union Company (WU) trades at $6.54 on NYSE. Its 52-week range is $6.14 to $9.38.

What is the market capitalisation of WU?

The Western Union Company (WU) has a market capitalisation of $2.04B on NYSE.

What is the P/E ratio of WU?

WU trades at a trailing price-to-earnings (P/E) ratio of 5.27. The industry average P/E is 13.82. Its price-to-book (P/B) ratio is 2.43.

Does WU pay a dividend?

The Western Union Company (WU) currently offers a dividend yield of 13.13%.

What is the return on equity (ROE) of WU?

WU has a return on equity (ROE) of 43.97%. Its return on capital employed (ROCE) is 19.54%.

Is WU a good stock to buy?

This page provides a data-driven analysis of The Western Union Company (WU), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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