Saturday 17 October 2026 Export WU’s income statement to Excel — free account

The Western Union Company

The Western Union Company’s revenue for fiscal 2025 (year ended December 2025) was $4.1 billion, down 3.78% from fiscal 2024. In the quarter to June 2026, revenue fell 1.26%, EPS fell 32.4%, free cash flow grew 316.7% and total debt fell 1.89%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

6.19 0.04 −0.64%

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Market cap: $1.9B
P/E: 5.0×
Fwd P/E: 4.7×
Dividend yield: 15.2%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.09

Total sells 0.24

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	1	1	—	—	—	—	—

Insider Ownership 1.77%

Capital & Financial Ratios $m

Market Cap 1,940.00

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 4.95

Fwd P/E 4.72

P/S ratio 0.48

P/B ratio 2.12

Past 5Y EPS Growth (3.22%)

This Y EPS Growth (27.47%)

Next Y EPS Growth 18.33%

Next Y revenue growth 0.82%

Next 5Y EPS Growth (2.21%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 11.49%

10-year low 10-year high

P/S against its own 10 years 0.63%

10-year low 10-year high

P/B against its own 10 years 0.82%

10-year low 10-year high

Dividends

Payout Ratio 0.76

Annual Dividend Rate 0.94

Annual Dividend Yield 15.19%

	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 special payouts not included in total or ratios

Assets vs Liabilities $m

	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

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 $m

	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

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	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

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	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

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	22.26	22.70	22.21	28.00	28.45	26.61	20.40	14.79	14.19	11.95
People
People	Employees	10,700	11,500	12,000	11,500	11,000	10,500	8,900	9,000	9,100	9,600
	Revenue/emp, $m	0.51	0.48	0.47	0.46	0.44	0.48	0.50	0.48	0.46	0.42
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
	Gross margin, %	39.76	39.30	40.95	41.68	41.54	42.88	41.32	38.68	37.75	37.03
	EBT	342	348	991	1,321	855	935	1,009	746	619	626
	EBT margin, %	6.30	6.29	17.74	24.97	17.69	18.45	22.54	17.12	14.69	15.45
	Net income	253	(557)	852	1,058	744	806	911	626	934	500
	Depreciation	263	727	265	258	226	208	184	184	179	165
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
	Earnings	0.52	(1.19)	1.89	2.47	1.81	1.98	2.35	1.69	2.75	1.53
	Cash flow	2.13	1.59	1.82	2.14	2.13	2.57	1.50	2.11	1.20	1.66
	Capex	(0.47)	(0.38)	(0.75)	(0.30)	(0.38)	(0.53)	(0.54)	(0.40)	(0.38)	(0.46)
	Free cash flow	1.66	1.21	1.07	1.84	1.75	2.04	0.96	1.71	0.81	1.20
	Book value	1.84	(1.05)	(0.69)	(0.09)	0.45	0.87	1.23	1.29	2.85	2.93
	Shares, m	490	468	452	428	412	407	387	371	340	327
Valuation, ×
Valuation, ×	P/E	43.08	0.00	9.03	10.84	12.12	9.06	6.00	7.18	3.85	6.09
	P/S	1.99	1.62	1.38	2.16	1.87	1.43	1.22	1.03	0.86	0.75
	P/B	11.94	0.00	0.00	0.00	48.48	20.41	11.42	9.39	3.72	3.17
	EV/Sales	2.34	2.01	1.82	2.50	2.21	1.79	1.52	1.32	1.20	1.16
	EV/FCF	15.61	19.69	21.08	16.81	14.83	10.90	18.18	9.03	18.39	11.92
Cash, $m
Cash, $m	Operating cash flow	1,042	742	821	915	878	1,045	582	783	406	544
	Capex	(230)	(177)	(339)	(128)	(157)	(215)	(208)	(148)	(131)	(151)
	Free cash flow	812	565	482	787	721	831	373	635	276	393
Balance, $m
Balance, $m	Working capital	(659)	(1,132)	(645)	(171)	(2)	(113)	97	156	794	751
	Total debt	2,786	3,034	3,434	3,229	3,067	3,008	2,617	2,505	2,941	2,878
	Net debt	1,909	2,195	2,460	1,779	1,639	1,800	1,331	1,236	1,467	1,643
	Shareholders’ equity	902	(491)	(310)	(39)	187	356	478	479	969	958
Returns, %
Returns, %	ROA	2.68	(5.97)	9.35	11.92	8.15	8.80	10.52	7.50	11.28	5.99
	ROIC	10.83	17.45	32.61	33.56	33.12	32.56	30.58	29.79	18.62	18.20
	ROE	21.95	(271.23)	(212.66)	(605.95)	1,011.96	297.23	218.53	130.85	129.04	51.86

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
SLM SLM Corporation	$4.2B	6.0×	7.1×	−1.93% (below 0%: shrinking)	−9.38% (below 0%: shrinking)	+2.81% (above 0%: growing)	59.84%	0.00%	Compare
BFH Bread Financial Holdings, Inc.	$3.9B	7.9×	8.2×	+3.39% (above 0%: growing)	+21.89% (above 0%: growing)	+1.93% (above 0%: growing)	100.00%	76.43%	Compare
UPST Upstart Holdings, Inc.	$2.4B	38.0×	32.5×	+41.75% (above 0%: growing)	+183.33% (above 0%: growing)	−14.74% (below 0%: shrinking)	83.19%	4.01%	Compare
ECPG Encore Capital Group Inc	$2.2B	7.5×	6.3×	+11.25% (above 0%: growing)	+18.80% (above 0%: growing)	−1,282.62% (below 0%: shrinking)	100.00%	0.00%	Compare
AGM Federal Agricultural Mortgage Corporation	$2.2B	11.1×	9.4×	+12.93% (above 0%: growing)	+20.67% (above 0%: growing)	+188.57% (above 0%: growing)	27.34%	0.00%	Compare
EZPW EZCORP, Inc.	$2.0B	12.8×	16.0×	+34.65% (above 0%: growing)	+37.78% (above 0%: growing)	+27.86% (above 0%: growing)	58.79%	13.09%	Compare
WU The Western Union Company	$1.9B	5.0×	4.7×	−1.26% (below 0%: shrinking)	−32.43% (below 0%: shrinking)	+316.72% (above 0%: growing)	33.21%	13.04%
ATLC Atlanticus Holdings Corporation	$1.4B	9.6×	8.8×	+88.84% (above 0%: growing)	+67.38% (above 0%: growing)	+112.08% (above 0%: growing)	83.42%	0.00%	Compare
JCAP Jefferson Capital, Inc.	$1.2B	8.4×	6.3×	+16.26% (above 0%: growing)	−96.40% (below 0%: shrinking)	−45.57% (below 0%: shrinking)	63.06%	45.87%	Compare
Median of peers	$2.2B	9.0×	8.5×	+14.60%	+21.28%	+2.37%	73.13%	2.01%

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The Western Union Company (WU) key facts

Concern: The Western Union Company’s revenue for fiscal 2025 (year ended December 2025) was $4.1 billion, down 3.78% from fiscal 2024.
Concern: Net income was $499.6 million, or $1.53 per share (basic), a net margin of 12.3%.
The Western Union Company (WU) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, WU traded at $6.19, a market capitalization of $1.9 billion.
At that price the stock trades at 5.0× trailing-twelve-month earnings and 0.5× sales; its P/E is higher than 11% of its own readings over the past ten years.
The Western Union Company pays an annual dividend of $0.94 per share, a yield of 15.2%, with a payout ratio of 76.4%.
Return on equity was 51.9% and debt-to-equity 2.95.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.