WU

The Western Union Company

Fundamental data last updated:September 20, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents and sub-agents; and offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through websites and mobile devices. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals; and foreign currency forward and option contracts. It also offers bill payment services that facilitates payments from consumers to businesses and other organizations, as well as offers money order and other services. The company was founded in 1851 and is headquartered in Denver, Colorado.

 


VALUATION

P/E

5.79

Market Cap ($M USD)

$2.53B

Forward P/E

4.63

PEG

0.19

PRICE TO SALES

0.63

PRICE TO BOOK

2.80

EV / EBITDA

1.84

5-Year Average P/E

Free Cash Flow Yield

13.07%

DCF Value

$39.35

Graham Number

$9.55

Price to FCF

7.65

EV to FCF

4.90

Earnings Yield

17.27%

FCF Yield

13.07%

DIVIDEND

Yield

11.59%

Annual Payout

$0.94

Payout Ratio

69.44%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1.40

Next Year EPS Growth Estimate

$1.75

Next Year Revenue Growth Estimate

$3.89B

Return on Equity (ROE)

47.95%

FREE CASH FLOW

Operating Margin

17.65%

Debt-to-Equity

0.00

Piotroski F-Score

7

Altman Z-Score

1.11

Return on Invested Capital (ROIC)

8.89%

Current Ratio

13.86

Quick Ratio

13.86

Net Debt to EBITDA

-1.03

Interest Coverage

2.04

Gross Profit margin

34.02%

FCF PER SHARE

$1.05

REVENUE PER SHARE

$12.86

Gainseekers Quantitative Analysis

Summary

The market appears to be significantly undervaluing Western Union. With a DCF value of over $40, the stock’s recent pricing was a fraction of this intrinsic value, suggesting a deep value opportunity. The Forward P/E of 5.18 and an Earnings Yield of 15.44% highlight its potential for substantial returns. However, the Altman Z-score of 1.14 raises red flags about financial distress, indicating a need for caution. Despite these concerns, the valuation metrics suggest a mispricing relative to its true worth.

AI Exposure / Tech Reliance

Operating in the Financial - Credit Services industry, Western Union is well-positioned to leverage AI and tech advancements. Its robust infrastructure can integrate digital solutions to enhance transaction efficiency. However, the traditional nature of its services may require strategic pivots to fully capitalize on tech-driven shifts.

The Bull Case

For value investors, Western Union offers compelling reasons to buy. The company boasts a strong ROIC of 8.89%, indicating efficient capital use. A Piotroski F-Score of 7 suggests solid financial health, while a high FCF Yield of 11.69% underscores its cash-generating prowess. These metrics reflect a company with pricing power and operational efficiency, making it attractive for those seeking growth at a reasonable price.

The Bear Case

Despite its strengths, Western Union faces structural challenges. The Price/Book ratio of 3.14 and Price/Sales of 0.70 suggest the stock might be overvalued relative to its book value and sales. The Altman Z-score indicates potential financial distress, and the stock's proximity to its 52-week high could signal technical overextension. These factors present significant risks that could deter cautious investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$9.00

Institutional Ownership %

1-Year Beta

0.53

Insider Buying % (6 Mo)

Distance to 52-Week High

27.62%

Distance to 52-Week Low

3.21%

EARNINGS SURPRISE %

-37.50%

50-DAY SMA

$8.92

200-DAY SMA

$8.96

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.