BVMF/WUNI34 (BVMF/WUNI34)

Brazil Stock Exchange: BVMF/WUNI34 · BRL

R$32.6

+0.66 (+2.1%)· Recorded snapshot

Market cap	10.2B
Revenue (ttm)	20.9B
Net income (ttm)	2B
EPS (ttm)	R$6.65
P/E (trailing)	4.9x
P/E (forward)	4.2x
Dividend	R$3.34 (10.23%)
Volume	163
Beta	0.55

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 20.9B
Net income (ttm): 2B
EPS (ttm): R$6.65
P/E (trailing): 4.9x
P/E (forward): 4.2x
Market cap: 10.2B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E4.2

P25 n/aP50 n/aP75 n/a

Trailing P/E4.9

P25 n/aP50 n/aP75 n/a

ROE44

P25 n/aP50 n/aP75 n/a

ROIC19.3

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/WUNI34 indicators

Market & fundamental data

Available fields

241

Groups with data

Currency

USD

Showing 241 of 241 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	BRL
Country	United States
Country code	BR
Earnings date	2026-11-04
Employees	9,600
Employees change	500
Employees growth	5.49%
Enterprise value	BRL 19.8B
Exchange	Brazil Stock Exchange
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1851
Industry	Credit Services
Is primary listing	No
ISIN number	BRWUNIBDR007
Last earnings date	2026-07-30
Last refreshed	2026-10-29
Market cap	BRL 10.2B
Next earnings date	2026-11-04
Price	BRL 32.64
Price currency	BRL
Sector	Financials
SIC code	6099
Stock price date	2026-10-28
Symbol	bvmf/WUNI34
Website	https://www.westernunion.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	11.86x
Average P/E ratio (3Y)	5.56x
Average P/E ratio (5Y)	6.22x
Earnings yield	20.38%
EV/Earnings	9.64x
EV/EBIT	5.63x
EV/EBITDA	4.08x
EV/FCF	6.74x
EV/Sales	0.91x
FCF / EV yield	14.83%
FCF yield	28.7%
Forward P/E	4.25x
Graham number	47.26892
Graham upside	44.82%
Lynch fair value	BRL 32.76
Lynch upside	0.37%
P/B ratio	2.15x
P/E ratio	4.91x
P/FCF ratio	3.48x
P/OCF ratio	3.23x
P/S ratio	0.49x
Price/EBITDA ratio	2.37x
Sector forward P/E	7.86x
Sector P/E	8.95x

Profitability

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

Metric	Value
EBIT margin	16.18%
EBITDA margin	20.62%
Effective tax rate	21.58%
FCF margin	13.57%
Gross margin	35.09%
Operating margin	16.18%
Pretax margin	12.49%
Profit margin	9.79%
Profit per employee	BRL 213,384
Profitable quarters	34
Profitable years	8
Revenue per employee	BRL 2.2M
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%

Growth

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

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BRL -229.5M
Depreciation and amortization	BRL 958.7M
EBIT	BRL 3.4B
EBITDA	BRL 4.3B
EPS	BRL 6.65
Financing cash flow	BRL -2.5B
Free cash flow	BRL 2.9B
Gross profit	BRL 7.3B
Income taxes	BRL 563.7M
Investing cash flow	BRL -922.2M
Net borrowing	BRL -290.9M
Net cash flow	BRL -218.1M
Net income	BRL 2B
Operating income	BRL 3.4B
Revenue	BRL 20.9B

Financial strength

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

Metric	Value
Altman Z-Score	0.55
Book value per share	BRL 15.20
Debt / EBITDA	2.99
Debt / equity	2.95
Debt / FCF	4.77
Goodwill	BRL 11.4B
Interest coverage	4.37
Long-term assets	BRL 35.2B
Long-term liabilities	BRL 14.5B
Net cash (debt)	BRL -9.2B
Net cash / market cap	-90.23%
Net debt / EBITDA	2.14
Net debt / equity	1.94
Net debt / FCF	3.14
Piotroski F-Score	5
Property, plant and equipment	BRL 490.8M
Shareholders' equity	BRL 4.7B
Tangible book value	BRL -8.3B
Tangible book value per share	BRL -26.75
Total assets	BRL 41.3B
Total cash	BRL 4.8B
Total debt	BRL 14B
Total liabilities	BRL 36.5B
WACC	5.57%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.51
Current assets	BRL 6.1B
Current liabilities	BRL 22B
Current ratio	0.28
Net working capital	BRL -18.9B
Quick ratio	0.22
Working capital	BRL -15.4B
Working capital turnover	-6.43

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	5.64%
Dividend growth	-7.43%
Dividend growth (10Y)	4.11%
Dividend growth (3Y)	1.15%
Dividend growth (5Y)	-0.17%
Dividend growth years	0
Dividend payment date	2026-10-06
Dividend payment years	12
Dividend payout frequency	Quarterly
Dividend per share	BRL 3.34
Dividend yield	10.23%
Ex-dividend date	2026-09-15
Last dividend	BRL 0.83
Payout ratio	76.56%
Shareholder yield	15.86%

Performance and technicals

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

Metric	Value
10Y price change	-47.76%
10Y return CAGR	-2.09%
10Y total return	-19.02%
150-day SMA	BRL 39.45
1D price change	2.06%
1M price change	2%
1M total return	2%
1W price change	4.62%
1W total return	4.62%
1Y price change	-31.47%
1Y return CAGR	-26.02%
1Y total return	-26.01%
20-day SMA	BRL 31.33
200-day SMA	BRL 42.16
3M price change	-22.86%
3M total return	-21.06%
3Y price change	-43.23%
3Y return CAGR	-11.7%
3Y total return	-31.15%
50-day SMA	BRL 33.69
50-day SMA vs 200-day SMA	50under200
52-week high	BRL 54.10
52-week high date	2026-03-13
52-week low	BRL 30.00
52-week low date	2026-10-14
5Y price change	-68.92%
5Y return CAGR	-16.24%
5Y total return	-58.76%
6M price change	-29.96%
6M total return	-26.76%
All-time high	BRL 149.00
All-time high date	2021-03-09
All-time low	BRL 30.00
All-time low date	2026-10-05
Average true range (ATR)	BRL 1.06
Average volume	604.8
Beta (5Y)	0.55
Change from 52-week high	-39.67%
Change from 52-week low	8.8%
Change from all-time high	-78.09%
Change from all-time low	8.8%
Change from open	1.68%
Day's gap	0.38%
Dollar volume	BRL 5,320
High price	BRL 32.64
Low price	BRL 32.10
Monthly RSI	34.26
Open price	BRL 32.10
Position in 52-week range	100%
Previous close	BRL 31.98
Price vs 150-day SMA	-17.26%
Price vs 20-day SMA	4.17%
Price vs 200-day SMA	-22.58%
Price vs 50-day SMA	-3.12%
Relative volume	0.27
RSI	52.02
Sharpe ratio	-0.33
Sharpe ratio (3Y)	-0.63
Sortino ratio	-0.34
Sortino ratio (3Y)	-0.72
Volume	163
Weekly RSI	39.62
YTD price change	-37.47%
YTD total return	-33.58%

Ownership and float

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

Metric	Value
Float	309.8M
Shares change (QoQ)	-1.01%
Shares change (YoY)	-5.64%
Shares held by insiders	0.6%
Shares held by institutions	98.52%
Short ratio	6.1 days

Deeper analysis on BVMF/WUNI34

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BVMF/WUNI34 report

Is a complete BVMF/WUNI34 research report available?

No complete published report is available for bvmf/WUNI34 (BVMF/WUNI34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/WUNI34 (BVMF/WUNI34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/WUNI34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/WUNI34 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/WUNI34

Frequently asked questions