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The Western Union Company (WU)

NYSE: WU · USD

$6.08

+0.09 (+1.4%)· Recorded snapshot

Market cap	1.9B
Revenue (ttm)	4B
Net income (ttm)	395.4M
EPS (ttm)	$1.24
Shares out	311.9M
P/E (trailing)	4.9x
P/E (forward)	4.3x
Dividend	$0.94 (15.49%)
Volume	6,365,282
Beta	0.55

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Strong Buy
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Strong Buy
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Hold

Metric	Value
Amount currency	USD
CIK code	0001365135
Company name	The Western Union Company
Country	United States
Country code	US
CUSIP number	959802109
Earnings date	2026-11-04
Earnings time	amc
Employees	9,600
Employees change	500
Employees growth	5.49%
Enterprise value	$3.7B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1851
Industry	Credit Services
IPO date	2006-10-02
Is primary listing	Yes
Is SPAC	No
ISIN number	US9598021098
Last 10-K release date	2026-02-20
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$1.9B
Market cap category	Small-Cap
Next earnings date	2026-11-04
Options	Yes
Price	$6.08
Price currency	USD
Sector	Financials
SIC code	7389
Stock price date	2026-10-28
Symbol	WU
U.S. state	Colorado
Website	https://www.westernunion.com

Metric

Value

Amount currency

USD

CIK code

0001365135

Company name

The Western Union Company

Country

United States

Country code

CUSIP number

959802109

Earnings date

2026-11-04

Earnings time

amc

Employees

9,600

Employees change

500

Employees growth

5.49%

Enterprise value

$3.7B

Exchange

NYSE

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1851

Industry

Credit Services

IPO date

2006-10-02

Is primary listing

Yes

Is SPAC

ISIN number

US9598021098

Last 10-K release date

2026-02-20

Last earnings date

2026-07-30

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$1.9B

Market cap category

Small-Cap

Next earnings date

2026-11-04

Options

Yes

Price

$6.08

Price currency

USD

Sector

Financials

SIC code

7389

Stock price date

2026-10-28

Symbol

U.S. state

Colorado

Website

https://www.westernunion.com

Metric	Value
Adjusted P/E ratio	4.1x
Average P/E ratio (10Y)	11.86x
Average P/E ratio (3Y)	5.56x
Average P/E ratio (5Y)	6.22x
Earnings yield	20.48%
EV/Earnings	9.29x
EV/EBIT	5.62x
EV/EBITDA	4.41x
EV/FCF	6.5x
EV/Sales	0.91x
FCF / EV yield	15.39%
FCF yield	29.82%
Forward EV/Sales	0.88x
Forward P/E	4.29x
Forward P/S	0.45x
Graham number	9.06256
Graham upside	49.06%
Industry forward P/E	19.57x
Industry P/E	22.74x
Lynch fair value	$6.22
Lynch upside	2.33%
P/B ratio	2.04x
P/E ratio	4.88x
P/FCF ratio	3.35x
P/OCF ratio	3.11x
P/S ratio	0.47x
Price/EBITDA ratio	2.28x
Sector forward P/E	13.61x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

4.1x

Average P/E ratio (10Y)

11.86x

Average P/E ratio (3Y)

5.56x

Average P/E ratio (5Y)

6.22x

Earnings yield

20.48%

EV/Earnings

9.29x

EV/EBIT

5.62x

EV/EBITDA

4.41x

EV/FCF

6.5x

EV/Sales

0.91x

FCF / EV yield

15.39%

FCF yield

29.82%

Forward EV/Sales

0.88x

Forward P/E

4.29x

Forward P/S

0.45x

Graham number

9.06256

Graham upside

49.06%

Industry forward P/E

19.57x

Industry P/E

22.74x

Lynch fair value

$6.22

Lynch upside

2.33%

P/B ratio

2.04x

P/E ratio

4.88x

P/FCF ratio

3.35x

P/OCF ratio

3.11x

P/S ratio

0.47x

Price/EBITDA ratio

2.28x

Sector forward P/E

13.61x

Sector P/E

15.65x

Metric	Value
EBIT margin	16.18%
EBITDA margin	20.62%
Effective tax rate	21.58%
FCF margin	14.01%
Gross margin	35.09%
Operating margin	16.18%
Pretax margin	12.49%
Profit margin	9.79%
Profit per employee	$41,188
Profitable quarters	34
Profitable years	8
Revenue per employee	$420,510
ROA	5.12%
ROA (5Y)	6.3%
ROCE	16.96%
ROE	43.97%
ROE (5Y)	165.5%
ROIC	19.27%
ROIC (5Y)	35.09%
Tax / revenue	2.7%

Metric

Value

EBIT margin

16.18%

EBITDA margin

20.62%

Effective tax rate

21.58%

FCF margin

14.01%

Gross margin

35.09%

Operating margin

16.18%

Pretax margin

12.49%

Profit margin

9.79%

Profit per employee

$41,188

Profitable quarters

Profitable years

Revenue per employee

$420,510

ROA

5.12%

ROA (5Y)

6.3%

ROCE

16.96%

ROE

43.97%

ROE (5Y)

165.5%

ROIC

19.27%

ROIC (5Y)

35.09%

Tax / revenue

2.7%

Metric	Value
EPS growth	-53.12%
EPS growth (Q)	-35.14%
EPS growth (QoQ)	20%
EPS growth 10Y	-2.86%
EPS growth 3Y	-14.08%
EPS growth 5Y	-8.69%
EPS growth years	0
FCF growth	22.43%
FCF growth (QoQ)	-7.8%
FCF growth 3Y	3.43%
FCF growth 5Y	-7.63%
Gross profit growth	-7.2%
Gross profit growth (Q)	-12.21%
Gross profit growth 3Y	-6.84%
Gross profit growth 5Y	-7.49%
Net income growth	-55.88%
Net income growth (Q)	-37.18%
Net income growth (QoQ)	18.55%
Net income growth 3Y	-19.26%
Net income growth 5Y	-13.36%
Net income growth years	0
OCF growth	23.42%
OCF growth (QoQ)	-3.76%
OCF growth 10Y	-5.65%
OCF growth 3Y	4.21%
OCF growth 5Y	-7.06%
Operating income growth	-7.82%
Operating income growth (Q)	-31.45%
Operating income growth 3Y	-9%
Operating income growth 5Y	-8.33%
Revenue growth	-1.63%
Revenue growth (Q)	-1.26%
Revenue growth (QoQ)	3.1%
Revenue growth 10Y	-2.96%
Revenue growth 3Y	-2.74%
Revenue growth 5Y	-4.3%
Revenue growth years	0

Metric

Value

EPS growth

-53.12%

EPS growth (Q)

-35.14%

EPS growth (QoQ)

20%

EPS growth 10Y

-2.86%

EPS growth 3Y

-14.08%

EPS growth 5Y

-8.69%

EPS growth years

FCF growth

22.43%

FCF growth (QoQ)

-7.8%

FCF growth 3Y

3.43%

FCF growth 5Y

-7.63%

Gross profit growth

-7.2%

Gross profit growth (Q)

-12.21%

Gross profit growth 3Y

-6.84%

Gross profit growth 5Y

-7.49%

Net income growth

-55.88%

Net income growth (Q)

-37.18%

Net income growth (QoQ)

18.55%

Net income growth 3Y

-19.26%

Net income growth 5Y

-13.36%

Net income growth years

OCF growth

23.42%

OCF growth (QoQ)

-3.76%

OCF growth 10Y

-5.65%

OCF growth 3Y

4.21%

OCF growth 5Y

-7.06%

Operating income growth

-7.82%

Operating income growth (Q)

-31.45%

Operating income growth 3Y

-9%

Operating income growth 5Y

-8.33%

Revenue growth

-1.63%

Revenue growth (Q)

-1.26%

Revenue growth (QoQ)

3.1%

Revenue growth 10Y

-2.96%

Revenue growth 3Y

-2.74%

Revenue growth 5Y

-4.3%

Revenue growth years

Metric	Value
Capital expenditures	$-44.3M
Depreciation and amortization	$179.3M
EBIT	$653.2M
EBITDA	$832.5M
EPS	$1.24
FCF per share	$1.81
Financing cash flow	$-473.8M
Free cash flow	$565.4M
Gross profit	$1.4B
Income taxes	$108.8M
Investing cash flow	$-178M
Net borrowing	$-54.4M
Net cash flow	$-42.1M
Net income	$395.4M
Operating income	$653.2M
Revenue	$4B

Metric

Value

Capital expenditures

$-44.3M

Depreciation and amortization

$179.3M

EBIT

$653.2M

EBITDA

$832.5M

EPS

$1.24

FCF per share

$1.81

Financing cash flow

$-473.8M

Free cash flow

$565.4M

Gross profit

$1.4B

Income taxes

$108.8M

Investing cash flow

$-178M

Net borrowing

$-54.4M

Net cash flow

$-42.1M

Net income

$395.4M

Operating income

$653.2M

Revenue

$4B

Metric	Value
Altman Z-Score	0.55
Book value per share	$2.93
Debt / EBITDA	2.99
Debt / equity	2.95
Debt / FCF	4.77
Goodwill	$2.1B
Interest coverage	4.37
Long-term assets	$6.8B
Long-term liabilities	$2.9B
Net cash (debt)	$-1.8B
Net cash / market cap	-93.73%
Net debt / EBITDA	2.14
Net debt / equity	1.94
Net debt / FCF	3.14
Piotroski F-Score	5
Property, plant and equipment	$91.8M
Shareholders' equity	$914.7M
Tangible book value	$-1.6B
Tangible book value per share	$-5.16
Total assets	$8B
Total cash	$919.8M
Total debt	$2.7B
Total liabilities	$7.1B
WACC	5.55%

Metric

Value

Altman Z-Score

0.55

Book value per share

$2.93

Debt / EBITDA

2.99

Debt / equity

2.95

Debt / FCF

4.77

Goodwill

$2.1B

Interest coverage

4.37

Long-term assets

$6.8B

Long-term liabilities

$2.9B

Net cash (debt)

$-1.8B

Net cash / market cap

-93.73%

Net debt / EBITDA

2.14

Net debt / equity

1.94

Net debt / FCF

3.14

Piotroski F-Score

Property, plant and equipment

$91.8M

Shareholders' equity

$914.7M

Tangible book value

$-1.6B

Tangible book value per share

$-5.16

Total assets

$8B

Total cash

$919.8M

Total debt

$2.7B

Total liabilities

$7.1B

WACC

5.55%

Metric	Value
Asset turnover	0.51
Current assets	$1.1B
Current liabilities	$4.1B
Current ratio	0.28
Net working capital	$-3.6B
Quick ratio	0.22
Working capital	$-3B
Working capital turnover	-1.24

Metric

Value

Asset turnover

0.51

Current assets

$1.1B

Current liabilities

$4.1B

Current ratio

0.28

Net working capital

$-3.6B

Quick ratio

0.22

Working capital

$-3B

Working capital turnover

-1.24

Metric	Value
Buyback yield / dilution	5.64%
Dividend growth	0%
Dividend growth (10Y)	4%
Dividend growth (3Y)	0%
Dividend growth (5Y)	0.21%
Dividend growth years	0
Dividend payment date	2026-09-30
Dividend payment years	21
Dividend payout frequency	Quarterly
Dividend per share	$0.94
Dividend yield	15.49%
Ex-dividend date	2026-09-16
FCF payout ratio	51.85%
Last dividend	$0.24
Payout ratio	75.55%
Shareholder yield	21.14%

Metric

Value

Buyback yield / dilution

5.64%

Dividend growth

Dividend growth (10Y)

Dividend growth (3Y)

Dividend growth (5Y)

0.21%

Dividend growth years

Dividend payment date

2026-09-30

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$0.94

Dividend yield

15.49%

Ex-dividend date

2026-09-16

FCF payout ratio

51.85%

Last dividend

$0.24

Payout ratio

75.55%

Shareholder yield

21.14%

Metric	Value
10Y price change	-69.5%
10Y return CAGR	-5.54%
10Y total return	-43.44%
150-day SMA	$7.63
15Y price change	-66.26%
15Y return CAGR	-2.12%
15Y total return	-27.47%
1D price change	1.42%
1M price change	-1.78%
1M total return	-1.78%
1W price change	-2.25%
1W total return	-2.25%
1Y price change	-31.87%
1Y return CAGR	-23.45%
1Y total return	-23.44%
20-day SMA	$6.16
200-day SMA	$8.10
20Y price change	-72.35%
20Y return CAGR	-2.4%
20Y total return	-38.43%
3M price change	-25.7%
3M total return	-23.06%
3Y price change	-46.57%
3Y return CAGR	-10.52%
3Y total return	-28.36%
50-day SMA	$6.54
50-day SMA vs 200-day SMA	50under200
52-week high	$10.35
52-week high date	2026-02-09
52-week low	$5.87
52-week low date	2026-09-30
5Y price change	-67.38%
5Y return CAGR	-12.92%
5Y total return	-49.94%
6M price change	-35.22%
6M total return	-30.74%
All-time high	$28.62
All-time high date	2008-08-15
All-time low	$5.87
All-time low date	2026-09-30
Average true range (ATR)	$0.19
Average volume	7.2M
Beta (1Y)	0.8
Beta (2Y)	0.47
Beta (5Y)	0.55
Change from 52-week high	-41.31%
Change from 52-week low	3.49%
Change from all-time high	-78.79%
Change from all-time low	3.41%
Change from open	1.93%
Day's gap	-0.5%
Dollar volume	$38.7M
High price	$6.11
Low price	$5.96
Monthly RSI	32.84
Open price	$5.96
Position in 52-week range	76.67%
Premarket change	-0.33%
Premarket close	$5.99
Premarket price	$5.97
Premarket volume	10.6K
Previous close	$5.99
Price vs 150-day SMA	-20.47%
Price vs 20-day SMA	-1.41%
Price vs 200-day SMA	-25.07%
Price vs 50-day SMA	-7.14%
Relative volume	0.89
RSI	42.52
Sharpe ratio	-0.64
Sharpe ratio (3Y)	-0.49
Sharpe ratio (5Y)	-0.47
Sortino ratio	-0.73
Sortino ratio (3Y)	-0.5
Sortino ratio (5Y)	-0.47
Volume	6.4M
Weekly RSI	35.95
YTD price change	-34.8%
YTD total return	-28.53%

Metric

Value

10Y price change

-69.5%

10Y return CAGR

-5.54%

10Y total return

-43.44%

150-day SMA

$7.63

15Y price change

-66.26%

15Y return CAGR

-2.12%

15Y total return

-27.47%

1D price change

1.42%

1M price change

-1.78%

1M total return

-1.78%

1W price change

-2.25%

1W total return

-2.25%

1Y price change

-31.87%

1Y return CAGR

-23.45%

1Y total return

-23.44%

20-day SMA

$6.16

200-day SMA

$8.10

20Y price change

-72.35%

20Y return CAGR

-2.4%

20Y total return

-38.43%

3M price change

-25.7%

3M total return

-23.06%

3Y price change

-46.57%

3Y return CAGR

-10.52%

3Y total return

-28.36%

50-day SMA

$6.54

50-day SMA vs 200-day SMA

50under200

52-week high

$10.35

52-week high date

2026-02-09

52-week low

$5.87

52-week low date

2026-09-30

5Y price change

-67.38%

5Y return CAGR

-12.92%

5Y total return

-49.94%

6M price change

-35.22%

6M total return

-30.74%

All-time high

$28.62

All-time high date

2008-08-15

All-time low

$5.87

All-time low date

2026-09-30

Average true range (ATR)

$0.19

Average volume

7.2M

Beta (1Y)

0.8

Beta (2Y)

0.47

Beta (5Y)

0.55

Change from 52-week high

-41.31%

Change from 52-week low

3.49%

Change from all-time high

-78.79%

Change from all-time low

3.41%

Change from open

1.93%

Day's gap

-0.5%

Dollar volume

$38.7M

High price

$6.11

Low price

$5.96

Monthly RSI

32.84

Open price

$5.96

Position in 52-week range

76.67%

Premarket change

-0.33%

Premarket close

$5.99

Premarket price

$5.97

Premarket volume

10.6K

Previous close

$5.99

Price vs 150-day SMA

-20.47%

Price vs 20-day SMA

-1.41%

Price vs 200-day SMA

-25.07%

Price vs 50-day SMA

-7.14%

Relative volume

0.89

RSI

42.52

Sharpe ratio

-0.64

Sharpe ratio (3Y)

-0.49

Sharpe ratio (5Y)

-0.47

Sortino ratio

-0.73

Sortino ratio (3Y)

-0.5

Sortino ratio (5Y)

-0.47

Volume

6.4M

Weekly RSI

35.95

YTD price change

-34.8%

YTD total return

-28.53%

Metric	Value
Float	309.8M
Float percentage	99.33%
Shares change (QoQ)	-1.01%
Shares change (YoY)	-5.64%
Shares held by insiders	0.6%
Shares held by institutions	98.55%
Shares outstanding	311.9M
Short % of float	18.96%
Short % of shares	18.83%
Short ratio	6.3 days

Metric

Value

Float

309.8M

Float percentage

99.33%

Shares change (QoQ)

-1.01%

Shares change (YoY)

-5.64%

Shares held by insiders

0.6%

Shares held by institutions

98.55%

Shares outstanding

311.9M

Short % of float

18.96%

Short % of shares

18.83%

Short ratio

6.3 days

Metric	Value
Page views	113

Metric

Value

Page views

113

The Western Union Company (WU)

Price

Financial snapshot

Fair-value bridge

Latest news · WU

Valuation

Profitability

Balance sheet

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Sector percentile context

All WU indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

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Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on WU

Frequently asked questions