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
Generates a return on equity of 44.0%, reflecting efficient use of shareholder capital.
Return on capital employed stands at 19.8%.
Trades at a P/E of 5.1, below the sector median of 13.7.
Offers a dividend yield of 14.78%.
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 -3.3%, profit CAGR -18.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -3.27% |
| 1 Year: | -1.30% |
Compounded Profit Growth
| 5 Years: | -18.14% |
| 1 Year: | -35.10% |
Stock Price Performance
| 1 Year: | -10.34% |
| 6 Months: | -28.15% |
| 3 Months: | -27.77% |
| 1 Month: | -18.98% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)24.57 · Oversold
P/E of 5.13 is below the sector median of 13.68 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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 14.78%.
- Generates positive free cash flow.
CONS
- Revenue declined at -3.3% CAGR over 5 years.
- Earnings shrank at -18.1% CAGR over 5 years.
- Trading 34.5% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
- RSI at 25 suggests oversold conditions.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | WU The Western Union Company | 6.36 | 5.13 | $1.98B | 14.78% | 19.84% | 43.97% | -3.27% | -18.14% |
| 2 | JPM JPMorgan Chase & Co. SPX | 351.79 | 16.85 | $942.63B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 511.54 | 15.23 | $715.29B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 366.13 | 31.95 | $607.67B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 573.10 | 33.18 | $502.63B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.95 | 15.37 | $434.76B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 210.42 | 19.06 | $331.89B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,018.38 | 15.73 | $300.43B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 86.45 | 13.36 | $264.55B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 1.03B | 1.03B | 1.01B | 982.70M | 1.01B |
| Cost of Revenue | - | 642.80M | 643.20M | 645.40M | 654.90M | 676.70M |
| Gross Profit | - | 383.30M | 389.40M | 363.00M | 327.80M | 336.50M |
| Operating Expenses | - | 190.60M | 187.50M | 177.70M | 204.80M | 204.40M |
| Operating Income | - | 192.70M | 201.90M | 185.30M | 123.00M | 132.10M |
| EBITDA | - | 236.60M | 245.90M | 229.80M | 173.00M | 184.20M |
| Interest Expense | - | 36.70M | 37.00M | 36.70M | 36.20M | 39.50M |
| Pretax Income | - | 159.70M | 167.60M | 151.10M | 90.10M | 95.40M |
| Tax Provision | - | 37.60M | 28.00M | 36.70M | 25.40M | 18.70M |
| Net Income | - | 122.10M | 139.60M | 114.40M | 64.70M | 76.70M |
| Diluted EPS | - | 0.37 | 0.43 | 0.36 | 0.20 | 0.24 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 4.48B | 4.36B | 4.21B | 4.05B |
| Cost of Revenue | - | 2.63B | 2.67B | 2.62B | 2.55B |
| Gross Profit | - | 1.85B | 1.69B | 1.59B | 1.50B |
| Operating Expenses | - | 964.20M | 867.80M | 863.40M | 742.80M |
| Operating Income | - | 884.90M | 817.50M | 725.80M | 757.30M |
| EBITDA | - | 1.29B | 1.03B | 917.50M | 934.10M |
| Interest Expense | - | 101.00M | 105.30M | 119.80M | 143.00M |
| Pretax Income | - | 1.01B | 745.80M | 618.60M | 625.70M |
| Tax Provision | - | 98.00M | 119.80M | -315.60M | 126.10M |
| Net Income | - | 910.60M | 626.00M | 934.20M | 499.60M |
| Diluted EPS | - | 2.34 | 1.68 | 2.74 | 1.52 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 8.50B | 8.20B | 8.37B | 8.31B |
| Current Assets | - | 1.55B | 1.56B | 5.17B | 5.00B |
| Cash & Equivalents | - | 1.29B | 1.27B | 2.11B | 1.64B |
| Inventory | - | - | - | - | - |
| Receivables | 1.18B | - | 1.73B | 1.40B | 1.60B |
| Total Liabilities | - | 8.02B | 7.72B | 7.40B | 7.35B |
| Current Liabilities | - | 1.55B | 1.52B | 726.80M | 4.43B |
| Long Term Debt | - | 2.44B | 2.14B | 2.94B | 2.44B |
| Total Debt | - | 2.62B | 2.67B | 3.13B | 3.10B |
| Total Equity | - | 477.80M | 479.00M | 968.90M | 957.80M |
| Shares Outstanding | - | 373.50M | 350.50M | 337.90M | 315.70M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 581.60M | 783.10M | 406.30M | 543.70M |
| Investing Cash Flow | - | 525.50M | -140.80M | -16.30M | -230.30M |
| Financing Cash Flow | - | -1.18B | -896.80M | -69.30M | -782.60M |
| Capital Expenditure | - | -208.20M | -147.80M | -130.60M | -150.80M |
| Free Cash Flow | - | 373.40M | 635.30M | 275.70M | 392.90M |
| Net Change in Cash | - | -70.20M | -254.50M | 320.70M | -469.20M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | 41.3% | 38.7% | 37.8% | 37.0% |
| Operating Margin % | - | 19.8% | 18.8% | 17.2% | 18.7% |
| Net Margin % | - | 20.3% | 14.4% | 22.2% | 12.3% |
| ROE % | - | 190.6% | 130.7% | 96.4% | 52.2% |
| ROCE % | - | 12.7% | 12.2% | 9.5% | 19.5% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.97% | 24.89M | $158.30M |
| 2 | Vanguard Portfolio Management LLC | 5.79% | 18.08M | $114.99M |
| 3 | Schroder Investment Management Group | 5.38% | 16.81M | $106.89M |
| 4 | Capital Research Global Investors | 4.69% | 14.65M | $93.15M |
| 5 | Vanguard Capital Management LLC | 4.54% | 14.19M | $90.23M |
| 6 | State Street Corporation | 3.61% | 11.28M | $71.76M |
| 7 | Charles Schwab Investment Management, Inc. | 3.51% | 10.96M | $69.69M |
| 8 | AQR Capital Management, LLC | 3.42% | 10.70M | $68.05M |
| 9 | Allianz Asset Management GmbH | 3.30% | 10.31M | $65.59M |
| 10 | LSV Asset Management | 3.21% | 10.02M | $63.71M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for WU
WU — Frequently Asked Questions
What is the current share price of The Western Union Company (WU)?
As of 2026-08-02 19:16 PDT, The Western Union Company (WU) trades at $6.36 on NYSE. Its 52-week range is $6.36 to $9.71.
What is the market capitalisation of WU?
The Western Union Company (WU) has a market capitalisation of $1.98B on NYSE.
What is the P/E ratio of WU?
WU trades at a trailing price-to-earnings (P/E) ratio of 5.13. The industry average P/E is 13.68. Its price-to-book (P/B) ratio is 2.18.
Does WU pay a dividend?
The Western Union Company (WU) currently offers a dividend yield of 14.78%.
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 19.84%.
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.