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.

Financial snapshot

Revenue (ttm): 4B
Net income (ttm): 395.4M
EPS (ttm): $1.24
P/E (trailing): 4.9x
P/E (forward): 4.3x
Market cap: 1.9B

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%	强力买入
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	强力买入
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	持有

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E4.3

P25 8.7P50 10.4P75 12.8

Trailing P/E4.9

P25 10.7P50 13.5P75 31.8

ROE44

P25 4.9P50 11P75 15.4

ROIC19.3

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All WU indicators

Market & fundamental data

Available fields

278

Groups with data

Currency

USD

Showing 278 of 278 available metrics for this ticker.

Profile and market data

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

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

Valuation

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

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

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	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%

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	$-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

Financial strength

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

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

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

Dividends and buybacks

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

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%

Performance and technicals

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

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%

Ownership and float

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

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

Other indicators

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

Metric	Value
Page views	113

Deeper analysis on WU

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.

→

Scorecard

Frequently asked questions

About this WU report

Is a complete WU research report available?

No complete published report is available for The Western Union Company (WU) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

The Western Union Company (WU)

Price

Financial snapshot

Fair-value bridge

Latest news · WU

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All WU indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on WU

Frequently asked questions