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The Western Union Company

WU Financial Credit Services

The Western Union Company’s revenue for fiscal 2025 (year ended December 2025) was $4.1 billion, down 3.78% from fiscal 2024.

Revenue
−2.26%
EPS
−41.9%
Free cash flow
−69.4%
Total debt
+11.4%

Quarter to September 2026, against a year earlier

6.91 0.32 +4.86%
Market cap
$2.2B
P/E
6.5×
Fwd P/E
5.7×
Dividend yield
13.6%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.24
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — 1 1 — — — — — —
Insider Ownership 1.71%

Capital & Financial Ratios $m

Size
Market Cap 2,190.00
Revenue ttm 4,013.60
Net income ttm 333.80
Free cash flow ttm 276.20
Net debt Q 1,790.10
Valuation
P/E 6.46
Forward P/E 5.70
Price / sales 0.54
Forward P/S Powerpack
Price / FCF 7.82
Price / book 2.43
Financial health
Current ratio Q 0.00
Debt / equity Q 3.24
Interest coverage Q 3.41
Growth
Revenue growth Q −2.26% (below 0%: shrinking)
Operating income growth Q −35.22% (below 0%: shrinking)
EPS, this year −24.93% (below 0%: weak)
EPS, next year A +12.90%
Revenue, next year A −0.02% (below 0%: weak)
EPS, past 5 yrs −3.22% (below 0%: weak)
EPS, next 5 yrs A −2.79% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 30.00%
10-year low 10-year high
P/S against its own 10 years 1.58%
10-year low 10-year high
P/B against its own 10 years 2.33%
10-year low 10-year high

Dividends

Yield
13.6%
Annual rate
0.94
Payout ratio
89.5%
Growth, 2017–25
+3.75%/yr
  1. 0.70 ’17
  2. 0.76 ’18 +9
  3. 0.80 ’19 +5
  4. 0.90 ’20 +13
  5. 0.94 ’21 +4
  6. 0.94 ’22 +0
  7. 0.94 ’23 +0
  8. 0.94 ’24 +0
  9. 0.94 ’25 +0
  10. 0.95 ’26e +1
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,269 1,474 1,234 1,098
Receivables 3,687 3,361 3,449 3,284
Inventory — — — —
Other — — — —
4,956 4,835 4,684 4,382
2023 2024 2025 Q'26
Payables 453 408 408 445
ST’ Debt — — — —
Other — — — —
4,800 4,041 3,932 —

Compound Annual Growth %

10y 5y 3y
Sales (2.98%) (3.48%) (3.27%)
Cash Flow (6.56%) (9.13%) (2.22%)
Earnings (5.04%) (7.66%) (18.14%)
Book Value (3.76%) 38.70% 26.09%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.35 Actual 0.42

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.43 0.45 Beat by 0.02
Q1 FY26 0.40 0.25 Miss by 0.15
Q2 FY26 0.43 0.31 Miss by 0.12
Q3 FY26 0.35 0.42 Beat by 0.07
Q4 FY26 0.37 — Reports 19 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.20 0.24 0.25 — —
’25 0.36 0.37 0.43 0.36 1.52
’24 0.41 0.41 0.78 1.13 2.74
’23 0.40 0.47 0.46 0.35 1.68
’22 0.74 0.50 0.45 0.65 2.34
’21 0.44 0.54 0.57 0.42 1.97
’20 0.42 0.39 0.55 0.43 1.79
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 983 1,013 1,009 — —
’25 984 1,026 1,033 1,008 4,051
’24 1,049 1,066 1,036 1,058 4,210
’23 1,037 1,170 1,098 1,052 4,357
’22 1,156 1,138 1,090 1,092 4,476
’21 1,210 1,290 1,286 1,285 5,071
’20 1,190 1,115 1,259 1,272 4,835
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 109 105 107 — —
’25 148 0 260 135 544
’24 94 (34) 212 134 406
’23 137 127 255 265 783
’22 200 107 216 59 582
’21 176 174 337 359 1,045
’20 112 235 238 292 878
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 62 64 65 — —
’25 124 (29) 213 85 393
’24 59 (63) 185 95 276
’23 80 94 228 234 635
’22 170 52 152 (1) 373
’21 79 125 302 325 831
’20 77 187 216 241 721
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 5,423 5,524 5,590 5,292 4,835 5,071 4,476 4,357 4,210 4,051 4,014 (3.2%) 4,050 4,327 4,466 +3.3%
Gross margin, % 39.76 39.30 40.95 41.68 41.54 42.88 41.32 38.68 37.75 37.03 34.14 (2.7) pt
EBT 342 348 991 1,321 855 935 1,009 746 619 626 433 +7.0%
EBT margin, % 6.30 6.29 17.74 24.97 17.69 18.45 22.54 17.12 14.69 15.45 10.78 +9.2 pt
Net income 253 (557) 852 1,058 744 806 911 626 934 500 334 +7.8%
Per share, $
Per share, $ Revenue 11.06 11.81 12.37 12.38 11.73 12.47 11.56 11.75 12.38 12.40 12.84 +1.3%
Earnings 0.52 (1.19) 1.89 2.47 1.81 1.98 2.35 1.69 2.75 1.53 1.07 +12.7%
Cash flow 2.13 1.59 1.82 2.14 2.13 2.57 1.50 2.11 1.20 1.66 1.46 (2.7%)
Capex (0.47) (0.38) (0.75) (0.30) (0.38) (0.53) (0.54) (0.40) (0.38) (0.46) (0.58) (0.2%)
Free cash flow 1.66 1.21 1.07 1.84 1.75 2.04 0.96 1.71 0.81 1.20 0.88 (3.5%)
Book value 1.84 (1.05) (0.69) (0.09) 0.45 0.87 1.23 1.29 2.85 2.93 2.85 +5.3%
Shares, m 490 468 452 428 412 407 387 371 340 327 317 (4.4%)
Valuation, ×
Valuation, × P/E 43.08 0.00 9.03 10.84 12.12 9.06 6.00 7.18 3.85 6.09 6.46 10.7
P/S 1.99 1.62 1.38 2.16 1.87 1.43 1.22 1.03 0.86 0.75 0.54 1.4
P/B 11.94 0.00 0.00 0.00 48.48 20.41 11.42 9.39 3.72 3.17 2.43 10.9
EV/Sales 2.34 2.01 1.82 2.50 2.21 1.79 1.52 1.32 1.20 1.16 — 1.8
EV/FCF 15.61 19.69 21.08 16.81 14.83 10.90 18.18 9.03 18.39 11.92 — 15.6
Cash, $m
Cash, $m Operating cash flow 1,042 742 821 915 878 1,045 582 783 406 544 457 (7.0%)
Capex (230) (177) (339) (128) (157) (215) (208) (148) (131) (151) (180) (4.6%)
Free cash flow 812 565 482 787 721 831 373 635 276 393 276 (7.8%)
Balance, $m
Balance, $m Working capital (659) (1,132) (645) (171) (2) (113) 97 156 794 751 4,382 n/m
Net debt 1,909 2,195 2,460 1,779 1,639 1,800 1,331 1,236 1,467 1,643 1,790 (1.6%)
Shareholders’ equity 902 (491) (310) (39) 187 356 478 479 969 958 891 +0.7%
Returns, %
Returns, % ROA 2.68 (5.97) 9.35 11.92 8.15 8.80 10.52 7.50 11.28 5.99 4.21 +3.3 pt
ROIC 10.83 17.45 32.61 33.56 33.12 32.56 30.58 29.79 18.62 18.20 13.32 +7.4 pt
ROE 21.95 (271.23) (212.66) (605.95) 1,011.96 297.23 218.53 130.85 129.04 51.86 36.76 +29.9 pt
People
People Employees 10,700 11,500 12,000 11,500 11,000 10,500 8,900 9,000 9,100 9,600 — (1.2%)
Revenue/emp, $m 0.51 0.48 0.47 0.46 0.44 0.48 0.50 0.48 0.46 0.42 — (2.0%)
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 4 Nov 2026

The Western Union Company vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BFH Bread Financial Holdings, Inc. $3.9B 8.0× 8.0× +2.96% (above 0%: growing) −1.26% (below 0%: shrinking) +0.17% (above 0%: growing) 100.00% 76.97% Compare
SLM SLM Corporation $3.2B 6.3× 8.9× −21.40% (below 0%: shrinking) n/m −115.63% (below 0%: shrinking) 57.53% 0.00% Compare
ECPG Encore Capital Group Inc $2.7B 7.8× 7.4× +18.29% (above 0%: growing) +80.12% (above 0%: growing) +41.19% (above 0%: growing) 100.00% 0.00% Compare
WU The Western Union Company $2.2B 6.5× 5.7× −2.26% (below 0%: shrinking) −41.86% (below 0%: shrinking) −69.40% (below 0%: shrinking) 33.98% 12.96%
UPST Upstart Holdings, Inc. $2.2B 38.2× 33.9× −25.21% (below 0%: shrinking) −0.30% (below 0%: shrinking) +107.56% (above 0%: growing) 82.03% 8.54% Compare
AGM Federal Agricultural Mortgage Corporation $2.1B 10.8× 9.8× +12.93% (above 0%: growing) +20.67% (above 0%: growing) +188.57% (above 0%: growing) 27.34% 0.00% Compare
EZPW EZCORP, Inc. $1.8B 11.2× 13.8× +34.65% (above 0%: growing) +37.78% (above 0%: growing) +27.86% (above 0%: growing) 58.79% 13.09% Compare
ATLC Atlanticus Holdings Corporation $1.5B 6.8× 9.2× +56.84% (above 0%: growing) +307.33% (above 0%: growing) +135.83% (above 0%: growing) 84.79% 0.00% Compare
JCAP Jefferson Capital, Inc. $1.2B 8.5× 7.0× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
Median of peers $2.1B 8.2× 9.0× +14.60% +20.67% +34.53% 72.55% 4.27%

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WU metrics, ten years each

stockrow.com/WU · Data as of Nov 4, 2026 · For information only; not investment advice. · © 2026 stockrow.com