Financials / Financial - Credit ServicesUpdated 2026-05-10 22:07 UTC

FRA/W3U stock hub

FRA/W3U has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

2.4B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/W3U

In the news

Latest news · FRA/W3U

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E4.7

P25 8.5P50 10.9P75 13.9

Trailing P/E6.3

P25 8.9P50 11.4P75 16.5

ROE47.7

P25 3.4P50 10.4P75 16.4

ROIC20.3

P25 -2P50 6.2P75 15.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/W3U market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

231

Groups with data

Currency

USD

Showing 231 of 231 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 3.9B
Exchange	Frankfurt Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Financial - Credit Services
Isin	US9598021098
Last refreshed	2026-05-10
Market cap	EUR 2.4B
Price	EUR 7.8
Price currency	EUR
Rev Per Employee	365,874.12x
Sector	Financials
Sic	6099
Symbol	fra/W3U
Website	https://www.westernunion.com

Valuation

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

Metric	Value
Earnings Yield	15.88%
EV Earnings	10.11x
EV/EBIT	6.37x
EV/EBITDA	4.77x
EV/FCF	9.62x
EV/Sales	1.12x
FCF yield	16.68%
Forward P/E	4.7x
P/B ratio	3.05x
P/E ratio	6.3x
P/S ratio	0.69x
PE Ratio10 Y	12.01x
PE Ratio3 Y	5.54x
PE Ratio5 Y	6.49x

Profitability

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

Metric	Value
EBIT Margin	17.63%
EBITDA Margin	21.83%
FCF margin	11.43%
Gross margin	36.14%
Gross Profit	EUR 1.3B
Gross Profit Growth	-5.32%
Gross Profit Growth Q	-10.04%
Gross Profit Growth3 Y	-5.97%
Gross Profit Growth5 Y	-6.14%
Net Income	EUR 382.3M
Net Income Growth	-51.83%
Net Income Growth Q	-47.61%
Net Income Growth Years	1%
Net Income Growth3 Y	-16.93%
Net Income Growth5 Y	-10.07%
Pretax Margin	14.04%
Profit Margin	10.88%
Profit Per Employee	EUR 39,824
Profitable Years	4
ROA	5.43
Roa5y	6.3
ROCE	19.18
ROE	47.66
Roe5y	165.5
ROIC	20.31
Roic5y	35.09

Growth

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

Metric	Value
Cagr10y	-1.74%
Cagr15y	0.77%
Cagr1y	2.51%
Cagr3y	-2.45%
Cagr5y	-11.38%
Div CAGR10	3.75%
Div CAGR3	-3.68%
Div CAGR5	0.97%
EPS Growth	-49.39
EPS Growth Q	-44.44
EPS Growth Years	1
EPS Growth3 Y	-11.97
EPS Growth5 Y	-5.5
FCF Growth	7.5%
FCF Growth Q	-29.14%
FCF Growth3 Y	-1.9%
FCF Growth5 Y	-12.49%
OCF Growth	9.56%
OCF Growth Q	-26.45%
OCF Growth10 Y	-7.26%
OCF Growth3 Y	-0.93%
OCF Growth5 Y	-11.72%
Revenue Growth	-2.28x
Revenue Growth Q	-0.09x
Revenue Growth Years	0x
Revenue Growth3 Y	-2.41x
Revenue Growth5 Y	-3.56x

Financial strength

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

Metric	Value
Asset Turnover	EUR 0.49
Assets	EUR 7B
Cash	EUR 788.5M
Current Assets	EUR 949M
Current Liabilities	EUR 3.7B
Debt	EUR 2.3B
Debt EBITDA	EUR 2.75
Debt Equity	EUR 2.88
Debt FCF	EUR 5.67
Equity	EUR 789.7M
Interest Coverage	4.87
Liabilities	EUR 6.2B
Long Term Assets	EUR 6.1B
Long Term Liabilities	EUR 2.5B
Net Cash	EUR -1.5B
Net Cash By Market Cap	EUR -61.75
Net Debt EBITDA	EUR 1.94
Net Debt Equity	EUR 1.88
Net Debt FCF	EUR 3.7
Tangible Book Value	EUR -1.4B
Tangible Book Value Per Share	EUR -4.39

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.26
Net Working Capital	EUR -3.3B
Quick ratio	0.21
Working Capital	EUR -2.8B
Working Capital Turnover	EUR -1.02

Dividends and buybacks

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

Metric	Value
Buyback Yield	5.15%
Dividend Growth	-7.29%
Dividend Growth Years	0%
Dividend per share	EUR 0.81
Dividend Years	21
Dividend Yield	10.37%
Ex Div Date	2026-03-17
Last Dividend	EUR 0.2
Payout Frequency	Quarterly
Payout Ratio	69.44%

Performance and technicals

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

Metric	Value
10Y total return	-16.1%
1Y total return	2.51%
200-day SMA	7.65
3Y total return	-7.19%
50-day SMA	7.91
50-day SMA vs 200-day SMA	50over200
5Y total return	-45.35%
All Time High	26
All Time High Change	-70.02%
All Time High Date	2020-02-11
All Time Low	6.73
All Time Low Change	15.87%
All Time Low Date	2025-10-01
ATR	0.2
Ch YTD	-0.68
High	7.8
High52	8.91
High52 Date	2025-05-13
High52ch	-12.53%
Low	7.65
Low52	6.73
Low52 Date	2025-10-01
Low52ch	15.87%
Ma50ch	-1.39%
Price vs 200-day SMA	1.95%
RSI	49.85
RSI Monthly	39.65
RSI Weekly	49.3
Sharpe ratio	0.02x
Sortino ratio	0.21
Total Return	15.52%
Tr YTD	1.86
Tr15y	12.13%
Tr1m	1.94%
Tr1w	-1.32%
Tr3m	-5.94%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 619.1M
Operating Income Growth	-0.31
Operating Income Growth Q	-30.67
Operating Income Growth3 Y	-6.74
Operating Income Growth5 Y	-6.16
Operating margin	17.63

Ownership and float

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

Metric	Value
Float	310,298,236%
Net Borrowing	-155,346,638.4
Shares Insiders	0.61%
Shares Institutions	106.92%
Shares Qo Q	-0.66%
Shares Yo Y	-5.15%
Short Ratio	5.12

Other indicators

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

Metric	Value
Adjusted FCF	EUR 401.6M
Average Volume	581.55x
Bv Per Share	2.53
CAPEX	EUR -36M
Ch10y	-52.48
Ch15y	-44.85
Ch1m	1.94
Ch1w	-1.32
Ch1y	-7.73
Ch3m	-8.28
Ch3y	-28.74
Ch5y	-62.72
Ch6m	-2.55
Change	1.83%
Change From Open	1.96
Close	7.66
Days Gap	-0.13
Depreciation Amortization	144,323,132.4
Dollar Volume	77.96
Earnings Date	2026-04-24
EBIT	EUR 619.1M
EBITDA	EUR 766.7M
EPS	EUR 1.18
F Score	4
FCF	EUR 401.6M
FCF EV Yield	10.39x
Financing CF	-255,159,660
Fiscal Year End	December
Founded	1,851
Goodwill	1,784,366,436.6
Graham Number	8.4394
Graham Upside	8.25
Income Tax	EUR 110.8M
Investing CF	-151,517,310
Is Primary Listing	0
Last Earnings Date	2026-04-24
Last Report Date	2026-03-31
Lynch Fair Value	EUR 6.19
Lynch Upside	-20.6
Ma150	7.81
Ma150ch	-0.18%
Ma20	7.8
Ma20ch	0%
Net CF	30,875,880
Open	7.65
P FCF Ratio	6
P OCF Ratio	5.5
Payment Date	2026-03-31
Position In Range	100
Ppne	77,588,523
Price Date	2026-05-08
Price EBITDA	EUR 3.14
Relative Volume	0.02x
Revenue	3,512,391,540x
Tax By Revenue	3.15x
Tax Rate	22.46%
Tr6m	2.44%
Volume	10
Z Score	0.54

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/W3U dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+10.4%

$0.81 annual per share

Payout ratio

+69.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+1.0%

0 consecutive years of growth

Total shareholder yield

+15.5%

Next ex-dividend date: 2026-03-17

Performance

FRA/W3U stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/W3U?

Insider, institutional, and short-interest positioning.

Institutional ownership

+106.9%

Share of float held by funds and institutions

Insider ownership

+0.6%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FRA/W3U momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

49.8

Neutral momentum band

Price vs 200-day MA

+1.9%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.02

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/W3U

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/W3U stock rating?

fra/W3U is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/W3U analysis?

The full report lives at /stocks/fra/W3U/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/W3U?

The latest report frames fra/W3U around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/W3U page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.