A Business at a Glance
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Western Union CO
WU
$2.7B
Mkt Cap
$8.22
-1.08%
Western Union CO (WU) has a current P/E ratio of 5.4, compared to its historical median P/E of 6.2. The stock is currently considered Fair based on its historical valuation range.
Western Union CO (WU) has a 5-year average return on invested capital (ROIC) of 50.5%. This indicates strong capital allocation and a potential competitive advantage.
Western Union CO (WU) has a market capitalization of $2.6B. It is classified as a mid-cap stock.
Yes, Western Union CO (WU) pays a dividend with a trailing twelve-month yield of 11.91%. The company also returns capital through share buybacks, with a buyback yield of 8.20%.
Based on historical P/E analysis, Western Union CO (WU) appears fair. The current P/E of 5.4 is 13% below its historical median of 6.2. The estimated fair value CAGR (P/E method) is 0.8%.
Western Union CO (WU) operates in the Services-Business Services, Nec industry, within the Industrials sector.
Western Union CO (WU) reported annual revenue of $4.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
The Western Union Company (the “Company,” “Western Union,” “we,” “our,” or “us”) is a leader in cross-border, cross-currency money movement, payments, and digital financial services, empowering consumers, businesses, financial institutions, and governments with fast, reliable, and convenient ways to send money and make payments around the world. Our goal is to offer accessible financial services that help people and communities prosper. The Western Union brand is globally recognized and represents speed, reliability, trust, and convenience.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.0B | 4.1B | 4.2B | 4.4B | 4.5B | 5.1B |
| Net Income | 441M | 500M | 934M | 626M | 911M | 806M |
| EPS | $1.38 | $1.52 | $2.74 | $1.68 | $2.34 | $1.97 |
| Free Cash Flow | 463M | 505M | 369M | 760M | 550M | 1.0B |
| ROIC | 24.3% | 23.8% | 40.0% | 44.4% | 43.9% | 100.4% |
| Gross Margin | - | 37.0% | 37.8% | 38.7% | 41.3% | 42.9% |
| Debt/Equity | 2.46 | 3.42 | 2.67 | 4.87 | 4.93 | 8.28 |
| Dividends/Share | $0.98 | $0.94 | $0.94 | $0.94 | $0.94 | $0.94 |
| Operating Income | 703M | 757M | 726M | 818M | 885M | 1.1B |
| Operating Margin | 17.4% | 18.7% | 17.2% | 18.8% | 19.8% | 22.1% |
| ROE | 48.4% | 51.9% | 129.0% | 130.9% | 218.5% | 297.2% |
| Shares Outstanding | 313M | 329M | 341M | 373M | 389M | 409M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 5.6B | 5.5B | 5.4B | 5.5B | 5.6B | 5.3B | 4.8B | 5.1B | 4.5B | 4.4B | 4.2B | 4.1B | 4.0B |
| Gross Margin | 41.2% | 41.7% | 39.8% | 39.3% | 41.0% | 41.7% | 41.5% | 42.9% | 41.3% | 38.7% | 37.8% | 37.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 1.2B | 1.2B | 1.7B | 1.2B | 1.2B | 1.3B | 1.0B | 1.1B | 964M | 868M | 863M | 743M | 761M |
| EBIT | 1.1B | 1.1B | 487M | 476M | 1.1B | 934M | 967M | 1.1B | 885M | 818M | 726M | 757M | 703M |
| Op. Margin | 20.3% | 20.2% | 9.0% | 8.6% | 20.1% | 17.6% | 20.0% | 22.1% | 19.8% | 18.8% | 17.2% | 18.7% | 17.4% |
| Net Income | 852M | 838M | 253M | -557M | 852M | 1.1B | 744M | 806M | 911M | 626M | 934M | 500M | 441M |
| Net Margin | 15.2% | 15.3% | 4.7% | -10.1% | 15.2% | 20.0% | 15.4% | 15.9% | 20.3% | 14.4% | 22.2% | 12.3% | 10.9% |
| Non-Recurring | 0 | 0 | 20M | 558M | 0 | 116M | 37M | 152M | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 75.3% | 30.2% | 18.5% | -8.3% | 10.6% | 8.4% | 8.9% | 100.4% | 43.9% | 44.4% | 40.0% | 23.8% | 24.3% |
| ROE | 70.9% | 61.9% | 21.9% | -271.2% | -212.7% | N/A | 398.9% | 297.2% | 218.5% | 130.9% | 129.0% | 51.9% | 48.4% |
| ROA | 8.5% | 8.7% | 2.7% | -6.0% | 9.3% | 11.9% | 8.2% | 8.8% | 10.5% | 7.5% | 11.3% | 6.0% | 5.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 1.0B | 1.1B | 1.0B | 742M | 821M | 915M | 878M | 1.0B | 582M | 783M | 406M | 544M | 505M |
| Free Cash Flow | 978M | 977M | 973M | 673M | 685M | 867M | 841M | 1.0B | 550M | 760M | 369M | 505M | 463M |
| Owner Earnings | 734M | 722M | 746M | 435M | 509M | 620M | 610M | 793M | 352M | 564M | 188M | 332M | -28M |
| CapEx | 68M | 94M | 69M | 69M | 137M | 48M | 37M | 38M | 32M | 23M | 37M | 39M | 42M |
| Maint. CapEx | 272M | 270M | 263M | 263M | 265M | 258M | 226M | 208M | 184M | 184M | 179M | 165M | 487M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 272M | 270M | 263M | 263M | 265M | 258M | 226M | 208M | 184M | 184M | 179M | 165M | 487M |
| CapEx/OCF | 6.5% | 8.8% | 6.6% | 9.3% | 16.6% | 5.3% | 4.2% | 3.6% | 5.5% | 2.9% | 9.2% | 7.1% | 8.2% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 265M | 317M | 312M | 326M | 342M | 341M | 370M | 382M | 364M | 349M | 322M | 309M | 306M |
| Dividend Yield | 5.4% | 5.6% | 5.5% | 5.9% | 6.2% | 5.7% | 5.9% | 6.0% | 7.7% | 9.6% | 9.0% | 10.8% | 11.9% |
| Share Buybacks | 495M | 511M | 502M | 503M | 412M | 553M | 240M | 410M | 370M | 308M | 186M | 235M | 211M |
| Buyback Yield | 9.1% | 9.4% | 7.8% | 9.1% | 8.3% | 7.0% | 3.8% | 7.8% | 9.1% | 8.3% | 5.7% | 7.6% | 8.2% |
| Stock-Based Comp | 40M | 79M | 33M | 44M | 48M | 37M | 42M | 44M | 46M | 36M | 39M | 47M | 45M |
| Debt Repayment | 500M | 500M | 1.0B | 500M | 414M | 825M | 0 | 1.1B | 300M | 300M | 0 | 500M | 500M |
| Balance Sheet | |||||||||||||
| Net Debt | 1.9B | 1.9B | -303M | -1.4B | -1.4B | -2.5B | -352M | 1.7B | 1.1B | 1.1B | 1.1B | 2.0B | 1.3B |
| Cash & Equiv. | 1.8B | 1.3B | 878M | 838M | 973M | 1.5B | 1.4B | 1.2B | 1.3B | 1.3B | 1.5B | 1.2B | 909M |
| Long-Term Debt | 0 | 0 | 575M | 746M | 685M | 496M | 48M | 2.8B | 2.5B | 2.1B | 3.0B | 2.9B | 2.3B |
| Debt/Equity | 2.86 | 2.29 | 0.64 | -1.52 | -2.62 | -15.59 | 16.44 | 8.28 | 4.93 | 4.87 | 2.67 | 3.42 | 2.46 |
| Interest Coverage | 6.5 | 6.6 | 3.2 | 3.3 | 7.5 | 6.1 | 8.2 | 10.6 | 8.8 | 7.8 | 6.1 | 5.3 | 5.3 |
| Equity | 1.3B | 1.4B | 902M | -491M | -310M | -40M | 187M | 356M | 478M | 479M | 969M | 958M | 911M |
| Total Assets | 9.9B | 9.4B | 9.4B | 9.2B | 9.0B | 8.8B | 9.5B | 8.8B | 8.5B | 8.2B | 8.4B | 8.3B | 8.1B |
| Total Liabilities | 8.6B | 8.0B | 8.5B | 9.7B | 9.3B | 8.8B | 9.3B | 8.5B | 8.0B | 7.7B | 7.4B | 7.3B | 7.2B |
| Intangibles | 748M | 705M | 664M | 586M | 598M | 495M | 505M | 417M | 458M | 380M | 315M | 356M | 389M |
| Retained Earnings | 969M | 977M | 419M | -966M | -839M | -676M | -543M | -537M | -354M | -389M | 35M | -12M | -77M |
| Working Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 3.3B | 3.3B | 3.7B | 4.2B | 3.8B | 3.3B | 3.8B | 2.8B | 3.5B | 3.7B | 3.4B | 3.4B | 3.5B |
| Current Liabilities | 3.3B | 3.3B | 3.7B | 4.2B | 3.8B | 3.3B | 3.8B | 2.8B | 3.5B | 3.7B | 3.4B | 3.4B | 3.5B |
| Per Share Data | |||||||||||||
| EPS | 1.59 | 1.62 | 0.51 | -1.19 | 1.87 | 2.46 | 1.79 | 1.97 | 2.34 | 1.68 | 2.74 | 1.52 | 1.38 |
| Owner EPS | 1.37 | 1.40 | 1.50 | 0.93 | 1.12 | 1.44 | 1.47 | 1.94 | 0.91 | 1.51 | 0.55 | 1.01 | -0.09 |
| Book Value | 2.43 | 2.72 | 1.82 | -1.05 | -0.68 | -0.09 | 0.45 | 0.87 | 1.23 | 1.29 | 2.84 | 2.91 | 2.91 |
| Cash Flow/Share | 1.95 | 2.07 | 2.10 | 1.58 | 1.80 | 2.13 | 2.11 | 2.56 | 1.49 | 2.10 | 1.19 | 1.65 | 2.97 |
| Dividends/Share | 0.50 | 0.62 | 0.64 | 0.70 | 0.76 | 0.80 | 0.90 | 0.94 | 0.94 | 0.94 | 0.94 | 0.94 | 0.98 |
| Shares Out. | 536.1M | 517.2M | 496.5M | 468.2M | 455.6M | 430.2M | 415.8M | 409.0M | 389.1M | 372.6M | 340.9M | 328.7M | 312.7M |
| Valuation | |||||||||||||
| P/E Ratio | 6.4 | 6.5 | 25.4 | N/A | 5.8 | 7.4 | 8.4 | 6.5 | 4.5 | 5.9 | 3.5 | 6.2 | 5.9 |
| P/FCF | 5.5 | 5.6 | 6.6 | 8.2 | 7.3 | 9.0 | 7.4 | 5.2 | 7.4 | 4.9 | 8.9 | 6.1 | 5.6 |
| EV/EBIT | 4.9 | 5.4 | 15.4 | 14.4 | 5.8 | 8.7 | 6.7 | 5.0 | 4.5 | 4.1 | 4.5 | 4.6 | 5.6 |
| Price/Book | 4.2 | 3.9 | 7.1 | N/A | N/A | N/A | 33.5 | 14.8 | 8.6 | 7.7 | 3.4 | 3.2 | 2.8 |
| Price/Sales | 0.9 | 1.0 | 1.1 | 1.0 | 1.0 | 1.1 | 1.3 | 1.3 | 1.1 | 0.8 | 0.9 | 0.7 | 0.6 |
| FCF Yield | 18.1% | 18.0% | 15.1% | 12.2% | 13.7% | 11.1% | 13.4% | 19.1% | 13.5% | 20.5% | 11.2% | 16.4% | 18.0% |
| Market Cap | 5.4B | 5.4B | 6.4B | 5.5B | 5.0B | 7.8B | 6.3B | 5.3B | 4.1B | 3.7B | 3.3B | 3.1B | 2.6B |
| Avg. Price | 9.20 | 11.01 | 11.50 | 11.87 | 12.16 | 13.87 | 15.12 | 15.66 | 12.15 | 9.77 | 10.52 | 8.74 | 8.22 |
| Year-End Price | 10.10 | 10.52 | 12.94 | 11.77 | 10.94 | 18.22 | 15.04 | 12.87 | 10.50 | 9.95 | 9.63 | 9.40 | 8.22 |
Western Union CO passes 5 of 9 quality checks, suggesting mixed fundamentals.
Western Union CO trades at 5.4x trailing earnings, compared to its 15-year median P/E of 6.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 5.1x vs a median of 7.4x. The company's 5-year average ROIC is 50.5% with a gross margin of 39.5%. Total shareholder yield (dividends + buybacks) is 20.1%. At current prices, the estimated annualized return to fair value is -3.8%.
Western Union CO (WU) has a net profit margin of 12.3%. This is a healthy margin.
Western Union CO (WU) generated $505 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Western Union CO (WU) has a debt-to-equity ratio of 3.42. This indicates higher leverage, which may increase financial risk.
Western Union CO (WU) reported earnings per share (EPS) of $1.52 in its most recent fiscal year.
Western Union CO (WU) has a return on equity (ROE) of 51.9%. This indicates the company generates strong returns for shareholders.
Western Union CO (WU) has a 5-year average gross margin of 39.5%. This indicates decent pricing power.
The Ledger Terminal provides 16 years of financial data for Western Union CO (WU), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Western Union CO (WU) has a book value per share of $2.91, based on its most recent annual SEC filing.
No recent press releases.