The Western Union Company WU

6.18 0.15 2.49% as of 25 Sep
Market cap
$1.9B
P/E
4.9×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.09
Total sells 0.24
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 — — — — — — — — — —
Sell — — — — — — 1 1 — — — —
Insider Ownership 1.81%

Capital & Financial Ratios

Market Cap 1,890.00
Revenue 4,036.90
Net Income 395.40
Free Cash Flow 424.10
Net Debt 1,777.40
Current Ratio 1.12
Debt/Equity 2.95
P/E ratio 4.94
P/S ratio 0.48
P/B ratio 2.11
Past 5Y EPS Growth 2.20%
This Y EPS Growth (26.23%)
Next Y EPS Growth 17.41%
Next 5Y EPS Growth (1.74%)
in millions of $

Dividends

Payout Ratio 0.48
Annual Dividend Rate 0.94
Annual Dividend Yield 7.89%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.95
0.24
0.24
0.24
2025 0.94
0.24
0.24
0.24
0.24
2024 0.94
0.24
0.24
0.24
0.24
2023 0.94
0.24
0.24
0.24
0.24
2022 0.94
0.24
0.24
0.24
0.24
2021 0.94
0.24
0.24
0.24
0.24
2020 0.90
0.23
0.23
0.23
0.23
2019 0.80
0.20
0.20
0.20
0.20
2018 0.76
0.19
0.19
0.19
0.19
2017 0.70
0.18
0.18
0.18
0.18
2016 0.80
0.16
0.16
0.16
0.16
0.16
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 1,269 1,474 1,234 920
Receivables 3,687 3,361 3,449 3,378
Inventory — — — —
Other — — — —
4,956 4,835 4,684 4,298
2023 2024 2025 Q'26
Payables 453 408 408 407
ST’ Debt — — — —
Other — — — —
4,800 4,041 3,932 3,848
in millions of $

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%

Revenue

Mar Jun Sep Dec Year
’26 983 1,013 — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 109 105 — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 62 64 — — —
’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
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.20 0.24 — — —
’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

Target Price Range

Analyst price targets

Recommendation Rating

3.8
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
16.02 18.39 16.42 16.81 17.39 15.69 12.27 10.07 10.39 7.85

Analyst estimates 2026–2028

Powerpack
Low Price
22.26 22.70 22.21 28.00 28.45 26.61 20.40 14.79 14.19 11.95
High Price
10,700 11,500 12,000 11,500 11,000 10,500 8,900 9,000 9,100 9,600
Employees
1 0 0 0 0 0 1 0 0 0
Revenue/Emp
5,423 5,524 5,590 5,292 4,835 5,071 4,476 4,357 4,210 4,051
Revenue
39.76% 39.30% 40.95% 41.68% 41.54% 42.88% 41.32% 38.68% 37.75% 37.03%
Gross Margin
342 348 991 1,321 855 935 1,009 746 619 626
EBT
6.30% 6.29% 17.74% 24.97% 17.69% 18.45% 22.54% 17.12% 14.69% 15.45%
EBT Margin
253 (557) 852 1,058 744 806 911 626 934 500
Net Income
263 727 265 258 226 208 184 184 179 165
Depreciation
11.06 11.81 12.37 12.38 11.73 12.47 11.56 11.75 12.38 12.40
Revenue/Sh
0.52 (1.19) 1.89 2.47 1.81 1.98 2.35 1.69 2.75 1.53
Earnings/Sh
2.13 1.59 1.82 2.14 2.13 2.57 1.50 2.11 1.20 1.66
Cash Flow/Sh
(0.47) (0.38) (0.75) (0.30) (0.38) (0.53) (0.54) (0.40) (0.38) (0.46)
Capex/Sh
1.66 1.21 1.07 1.84 1.75 2.04 0.96 1.71 0.81 1.20
Free CF/Sh
1.84 (1.05) (0.69) (0.09) 0.45 0.87 1.23 1.29 2.85 2.93
Book Value/Sh
490 468 452 428 412 407 387 371 340 327
Shares
43.08 0.00 9.03 10.84 12.12 9.06 6.00 7.18 3.85 6.09
PE Ratio
1.99 1.62 1.38 2.16 1.87 1.43 1.22 1.03 0.86 0.75
PS Ratio
11.94 0.00 0.00 0.00 48.48 20.41 11.42 9.39 3.72 3.17
PB Ratio
2.34 2.01 1.82 2.50 2.21 1.79 1.52 1.32 1.20 1.16
EV/Sales
15.61 19.69 21.08 16.81 14.83 10.90 18.18 9.03 18.39 11.92
EV/FCF
1,042 742 821 915 878 1,045 582 783 406 544
Op' Cash Flow
(230) (177) (339) (128) (157) (215) (208) (148) (131) (151)
Capex
812 565 482 787 721 831 373 635 276 393
FCF
(659) (1,132) (645) (171) (2) (113) 97 156 794 751
Working Cap'
2,786 3,034 3,434 3,229 3,067 3,008 2,617 2,505 2,941 2,878
Total Debt
1,909 2,195 2,460 1,779 1,639 1,800 1,331 1,236 1,467 1,643
Net Debt
902 (491) (310) (39) 187 356 478 479 969 958
Sh' Equity
2.68% (5.97%) 9.35% 11.92% 8.15% 8.80% 10.52% 7.50% 11.28% 5.99%
ROA
10.83% 17.45% 32.61% 33.56% 33.12% 32.56% 30.58% 29.79% 18.62% 18.20%
ROIC
21.95% (271.23%) (212.66%) (605.95%) 1,011.96% 297.23% 218.53% 130.85% 129.04% 51.86%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

The Western Union Company (WU) key facts

  • The Western Union Company (WU) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
  • The Western Union Company’s revenue for fiscal 2025 (year ended December 2025) was $4.1 billion, down 3.78% from fiscal 2024.
  • Net income was $499.6 million, or $1.53 per share (basic), a net margin of 12.3%.
  • As of September 25, 2026, WU traded at $6.18, a market capitalization of $1.9 billion.
  • At that price the stock trades at 4.9× trailing-twelve-month earnings and 0.5× sales.
  • The Western Union Company pays an annual dividend of $0.94 per share, a yield of 7.89%, with a payout ratio of 48.0%.
  • Return on equity was 51.9% and debt-to-equity 2.95.

Source: company filings (standardised) and stockrow calculations.

The Western Union Company (WU) Latest News

News by impact score

Fine-tune

25 Sep

3

Western Union closed at $6.18, up 2.49% after a day when the S&P 500 rose 0.51%, the Dow climbed 0.93%, and the Nasdaq gained 0.48%. Over the past month the stock has fallen 16.37%, underperforming the Business Services sector (-6.07%) and the S&P 500 (+0.74%). Investors await upcoming results, with consensus calling for Q2 EPS of $0.35 (down ~25.5% year over year) and revenue of about $1.05 billion (up ~1.6%). For the full year, Zacks Consensus projects EPS of $1.29 on revenue of $4.13 billion (EPS down ~26%, revenue up ~2%). Analyst estimate changes are noted, and Western Union holds a Zacks Rank of #5 (Strong Sell). Valuation sits at a forward P/E of 4.67, well below the industry average of 12.54, with the Financial Transaction Services industry ranking near the bottom of its sector. Negative earnings expectations and a weak Zacks Rank imply notable sentiment impact ahead of results.

24 Sep

4

Western Union shares slide after a soft Q2 that missed revenue and earnings guidance; management signals deeper cost cuts for H2 2026. The stock is down about 16.8% in the last 30 days and 34% year-to-date, with 1-year total return of 16.1% and 5-year 55%. The firm trades around $6.09, with a fair value of about $7.09 implying roughly 14% upside. The story highlights ongoing digital transformation, expanded digital wallet offerings, and card-based retail transactions aimed at capturing a larger share of the underpenetrated mobile-financial market, but regulatory risk in remittance corridors and competition from digital-first rivals could temper momentum. A notable initiative is Mexico Transferred with Total Wireless; execution risk and cost discipline will shape the outlook. Soft Q2 misses and guided declines imply near-term headwinds, but ongoing digital transformation and undervaluation offer meaningful upside if execution improves.

23 Sep

4

Western Union (WU) closed at $6.09, down 2.09%, underperforming the S&P 500 (-0.76%), Dow (-0.68%), and Nasdaq (-1.13%). The stock has fallen 15.26% in the last month, versus the Business Services sector (-4.94%) and the S&P 500 (+1.26%). For the upcoming quarter, analysts expect EPS of $0.35, a 25.5% year-over-year decline, with revenue of $1.05 billion, up 1.6%. For the full year, the Zacks Consensus calls for $1.29 per share on $4.13 billion in revenue, representing roughly -26% EPS and +2% revenue changes versus last year. The firm notes analysts recently revised estimates, with Western Union carrying a Zacks Rank of 5 (Strong Sell). Valuation shows a forward P/E of 4.82, versus industry average 12.64. The Financial Transaction Services industry, within Business Services, ranks near the bottom of its 250-strong universe. Negative near-term earnings outlook, repeated estimate revisions, and a Strong Sell rating imply meaningful downside risk.

22 Sep

3

Western Union (NYSE: WU) reported Q2 revenue of $1.01 billion, down 1.3% year over year and short of expectations by 0.9%. EBITDA and full-year EPS guidance also missed. Management blamed weaker Americas Retail and a delayed close of the Intermex acquisition, which pushed out expected synergies and pressured margins. The company warned that deeper cost reductions are needed in the second half. WU stock slid about 19.2% since the earnings release and trades near $6.22. Among 11 diversified financials, the group beat revenue expectations by 2.6% on average but declined about 3.3% overall; Berkshire Hathaway led gains, while Euronet, NerdWallet, and WEX posted mixed results. A broader market narrative touched AI and geopolitics, but the focus remains on fundamentals and cost discipline for the quarter ahead. Delayed Intermex synergies and margin pressure create a meaningful near-term headwind for Western Union.

1 Sep

4

AUSTRAC probes Western Union's AML controls, indicating WU stock may trade below fair value. AUSTRAC AML probe risks fines, operational restrictions and reputational damage for Western Union's core money-transfer business.

3

Western Union faces an AUSTRAC regulatory probe that has revived debate over the company's fair value. AUSTRAC probe creates regulatory uncertainty likely to influence Western Union's Australian operations and near-term investor sentiment without fundamentally shifting long-term trajectory.

3

AUSTRAC opens AML/CTF probe into Western Union Australia. AML/CTF probe targets Western Union Australia compliance and may trigger fines or operational restrictions.

21 Aug

3

Western Union launches a $200 million Beyond Efficiency plan to revive profitability amid ongoing operational challenges. The efficiency plan targets cost reductions and profitability gains but its long-term effects on performance remain uncertain.

19 Aug

3

Western Union explores using Total Wireless to expand its US retail presence and reach more customers through additional distribution points. Potential Total Wireless tie-up could expand Western Union's US retail distribution and modestly lift transaction volumes.

18 Aug

3

Total Wireless expands partnership with Western Union to bring financial services to retail locations nationwide. Expanded retail presence through Total Wireless partnership enhances Western Union's distribution network.

3

Western Union’s high dividend yield is raising concerns over a potential dividend cut. Dividend cut concerns may weigh on near-term stock valuation and investor sentiment without fundamentally shifting the company’s core trajectory.

17 Aug

3

Western Union faces ongoing challenges in core money transfer operations amid regulatory pressures and fintech competition. Challenges may moderately affect financial performance and competitive positioning without fundamentally altering long-term trajectory.

14 Aug

4

Western Union and Intermex issued an update on their pending acquisition. Pending acquisition marks a major strategic move likely to reshape Western Union's market position.

13 Aug

4

Western Union launches Stablecard, a stablecoin-linked product aimed at expanding digital payments and remittances amid growing crypto adoption. Stablecard launch marks major strategic push into digital assets that could reshape Western Union's core remittance operations.

12 Aug

3

Western Union's Latin America strategy encounters mounting pressure from fintech rivals challenging its remittance and payment services in the region. Fintech competition threatens Western Union's core LatAm revenue streams and market positioning without immediate transformative effects.

6 Aug

4

Western Union is disrupting global remittance markets with new strategies expected to drive a 35% stock rally. Market disruption in remittances signals major strategic shift likely to alter Western Union's growth trajectory.

5 Aug

4

Western Union partners with Rain to launch Stablecard linked to USDPT. Stablecard launch with Rain marks strategic entry into stablecoin payments for Western Union.

3 Aug

4

Western Union faces a profit drop that threatens its financial performance and market position. Profit drop signals weakening financial results that can significantly shift investor sentiment and company trajectory.

3

Western Union missed Q2 earnings estimates due to weakness in CMT Retail. Q2 earnings miss on CMT Retail weakness points to operational headwinds that may pressure near-term financial results and investor views.

1 Aug

3 transcript

Western Union Q2 earnings call covers revenue trends, transaction volumes, cost management and strategic outlook for digital and cash transfer services. Quarterly earnings updates supply financial metrics and guidance that moderately shift investor views and near-term valuation.

31 Jul

4

Western Union shares fell 7.5% after reporting softer Q2 earnings and cutting 2026 guidance. Softer Q2 results and 2026 guidance cut indicate material headwinds for future performance.

4 transcript

Western Union reported Q2 2026 earnings with emphasis on digital growth and stablecoin initiatives. Stablecoin integration and digital expansion are poised to significantly boost Western Union's market position and revenue streams.

3

Western Union reported mixed earnings and lowered its guidance, leading to questions over whether the stock is a bargain. Mixed earnings combined with reduced guidance can moderately shift investor sentiment and near-term stock valuation for Western Union.

30 Jul

3

Western Union (WU) missed Q2 earnings estimates. Q2 earnings miss may pressure Western Union's near-term stock performance and investor sentiment.

3

Western Union Q2 earnings results were compared to analyst estimates across key financial and operational metrics. Q2 earnings and metric comparisons versus estimates can shift near-term investor sentiment on Western Union's performance.

3

Western Union missed Q2 CY2026 revenue estimates, causing its stock to drop. Revenue shortfall and resulting stock decline indicate direct but not transformative pressure on near-term performance.

3

Western Union released second quarter 2026 financial results. Quarterly results disclosure can shift investor views on performance and outlook.

29 Jul

3

Western Union is scheduled to report earnings tomorrow, with forecasts highlighting expected financial results for the company. Upcoming earnings can moderately sway short-term stock moves and sentiment without fundamentally shifting company trajectory.

28 Jul

3

Western Union faces Q2 revenue drop with consumer services eyed to offset shortfall and limit damage to overall results. Q2 revenue drop at Western Union may moderately affect near-term financial performance and investor views but remains containable by consumer services.

23 Jul

3

Western Union earnings are projected to grow ahead of next week's release. Expected earnings growth may moderately sway short-term stock performance and sentiment.

stockrow.com/WU · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com