Is a complete FRA/W3U research report available?

No complete published report is available for fra/W3U (FRA/W3U) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

fra/W3U stock profile: metrics, valuation and analysis

Market cap	1.9B
Revenue (ttm)	3.5B
Net income (ttm)	346.1M
EPS (ttm)	€1.09
P/E (trailing)	5.6x
P/E (forward)	4.9x
Dividend	€0.81 (13.10%)
Volume	1,545

All FRA/W3U indicators

Market & fundamental data

Available fields

235

Groups with data

Currency

USD

Showing 235 of 235 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United States
Country code	DE
Employees	9,600
Employees Change	100%
Employees Change Percent	1.11
Enterprise value	EUR 3.5B
Exchange	Frankfurt Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Financial - Credit Services
Isin	US9598021098
Last refreshed	2026-09-08
Market cap	EUR 1.9B
Price	EUR 6.31
Price currency	EUR
Rev Per Employee	368,072.77x
Sector	Financials
Sector PE	13.47
Sector PE Fwd	12.42
Sic	6099
Symbol	fra/W3U
Website	https://www.westernunion.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	17.96%
EV Earnings	9.99x
EV/EBIT	6.15x
EV/EBITDA	4.46x
EV/FCF	6.98x
EV/Sales	0.99x
FCF yield	25.68%
Forward P/E	4.9x
P/B ratio	2.41x
P/E ratio	5.57x
P/S ratio	0.55x
PE Ratio10 Y	11.86x
PE Ratio3 Y	5.56x
PE Ratio5 Y	6.22x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	16.18%
EBITDA Margin	20.62%
FCF margin	14.24%
Gross margin	35.09%
Gross Profit	EUR 1.2B
Gross Profit Growth	-7.2%
Gross Profit Growth Q	-12.21%
Gross Profit Growth3 Y	-6.84%
Gross Profit Growth5 Y	-7.49%
Net Income	EUR 346.1M
Net Income Growth	-55.88%
Net Income Growth Q	-37.18%
Net Income Growth Qo Q	18.55%
Net Income Growth Years	0%
Net Income Growth3 Y	-19.26%
Net Income Growth5 Y	-13.36%
Pretax Margin	12.49%
Profit Margin	9.79%
Profit Per Employee	EUR 36,051
Profitable Quarters	EUR 8
Profitable Years	5
ROA	5.12
Roa5y	6.3
ROCE	16.96
ROE	43.97
Roe5y	165.5
ROIC	19.27
Roic5y	35.09

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	-5.36%
Cagr15y	1.06%
Cagr1y	-8.99%
Cagr3y	-11.28%
Cagr5y	-12.76%
Div CAGR10	3.61%
Div CAGR3	-2.67%
Div CAGR5	0.95%
EPS Growth	-53.12
EPS Growth Q	-35.14
EPS Growth Qo Q	20
EPS Growth Years	0
EPS Growth3 Y	-14.08
EPS Growth5 Y	-8.69
FCF Growth	22.43%
FCF Growth Qo Q	-7.8%
FCF Growth3 Y	3.43%
FCF Growth5 Y	-7.63%
OCF Growth	23.42%
OCF Growth Qo Q	-3.76%
OCF Growth10 Y	-5.65%
OCF Growth3 Y	4.21%
OCF Growth5 Y	-7.06%
Revenue Growth	-1.63x
Revenue Growth Q	-1.26x
Revenue Growth Qo Q	3.1x
Revenue Growth Years	0x
Revenue Growth3 Y	-2.74x
Revenue Growth5 Y	-4.3x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.51
Assets	EUR 7B
Cash	EUR 805.1M
Current Assets	EUR 983.2M
Current Liabilities	EUR 3.5B
Debt	EUR 2.4B
Debt EBITDA	EUR 2.99
Debt Equity	EUR 2.95
Debt FCF	EUR 4.77
Equity	EUR 800.6M
Interest Coverage	4.37
Liabilities	EUR 6.2B
Long Term Assets	EUR 6B
Long Term Liabilities	EUR 2.6B
Net Cash	EUR -1.6B
Net Cash By Market Cap	EUR -80.74
Net Debt EBITDA	EUR 2.14
Net Debt Equity	EUR 1.94
Net Debt FCF	EUR 3.14
Tangible Book Value	EUR -1.4B
Tangible Book Value Per Share	EUR -4.52

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.28
Net Working Capital	EUR -3.2B
Quick ratio	0.22
Working Capital	EUR -2.6B
Working Capital Turnover	EUR -1.09

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	5.64%
Dividend Growth	-4.03%
Dividend Growth Years	0%
Dividend per share	EUR 0.81
Dividend Years	21
Dividend Yield	13.1%
Ex Div Date	2026-09-16
Last Dividend	EUR 0.2
Payout Frequency	Quarterly
Payout Ratio	76.56%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	-42.34%
1Y total return	-8.99%
200-day SMA	7.39
3Y total return	-30.17%
50-day SMA	6.6
50-day SMA vs 200-day SMA	50under200
5Y total return	-49.47%
All Time High	26
All Time High Change	-76.31%
All Time High Date	2020-02-11
All Time Low	5.59
All Time Low Change	10.2%
All Time Low Date	2026-08-03
ATR	0.12
Ch YTD	-21.52
High	6.31
High52	8.71
High52 Date	2026-02-09
High52ch	-27.53%
Low	6.16
Low52	5.59
Low52 Date	2026-08-03
Low52ch	12.92%
Ma50ch	-6.64%
Price vs 200-day SMA	-16.69%
RSI	43.3
RSI Monthly	31.71
RSI Weekly	39.99
Sharpe ratio	-0.15x
Sharpe Ratio3y	-0.36x
Sharpe Ratio5y	-0.37x
Sortino ratio	-0.06
Sortino Ratio3y	-0.33
Sortino Ratio5y	-0.34
Total Return	18.74%
Tr YTD	-16.95
Tr15y	17.17%
Tr1m	-0.68%
Tr1w	-0.65%
Tr3m	-2.18%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	309,809,479%
Net Borrowing	-46,836,006.4
Shares Insiders	0.59%
Shares Institutions	98.49%
Shares Qo Q	-1.01%
Shares Yo Y	-5.64%
Short Ratio	4.51

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	2,599.5x
Bv Per Share	2.57
CAPEX	EUR -38.8M
Ch10y	-68.09
Ch15y	-43.92
Ch1m	-0.68
Ch1w	-0.65
Ch1y	-18.41
Ch3m	-5.2
Ch3y	-46.99
Ch5y	-66.27
Ch6m	-25.85
Change	2%
Change From Open	2.47
Close	6.19
Days Gap	-0.48
Depreciation Amortization	154,369,410.8
Dollar Volume	9,752
Earnings Date	2026-10-23
EBIT	EUR 571.7M
EBITDA	EUR 728.7M
EPS	EUR 1.09
F Score	5
FCF	EUR 494.9M
FCF EV Yield	14.32x
Financing CF	-414,717,140
Fiscal Year End	December
Founded	1,851
Goodwill	1,840,637,832.4
Graham Number	7.98225
Graham Upside	29.58
Income Tax	EUR 95.2M
Investing CF	-155,803,400
Is Primary Listing	0
Last Earnings Date	2026-07-30
Last Report Date	2026-06-30
Lynch Fair Value	EUR 5.53
Lynch Upside	-10.19
Ma150	7.23
Ma150ch	-14.78%
Ma20	6.23
Ma20ch	-1.06%
Net CF	-36,850,130
Next Earnings Date	2026-10-23
Open	6.16
P FCF Ratio	3.89
P OCF Ratio	3.61
Payment Date	2026-09-30
Position In Range	100
Ppne	79,035,760.8
Price Date	2026-09-07
Price EBITDA	EUR 2.64
Relative Volume	0.59x
Revenue	3,533,498,570x
Tax By Revenue	2.7x
Tax Rate	21.58%
Tr6m	-21.53%
Volume	1,545
Z Score	0.55

FRA/W3U (FRA/W3U)

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Profile and market data

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