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WUThe Western Union Company
$7.13$2.2B
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WU logoThe Western Union Company(WU)Earnings, Financials & Key Ratios

WU•NYSE•Banking & Credit
4.7× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryPayment Networks and Merchant Acquiring
AboutThe Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents and sub-agents; and offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through websites and mobile devices. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals; and foreign currency forward and option contracts. It also offers bill payment services that facilitates payments from consumers to businesses and other organizations, as well as offers money order and other services. The company was founded in 1851 and is headquartered in Denver, Colorado.Show more
  • Net Interest Income-$135M-25.4%
  • Total Revenue$4.04B-4.0%
  • Net Income$500M-46.5%
  • Return on Equity51.86%-59.8%
  • Net Interest Margin-1.63%-26.4%
  • Efficiency Ratio9.29%-54.7%
  • ROA5.99%-46.9%
  • Equity / Assets11.53%-0.4%
  • Book Value per Share2.92+2.9%

WU Key Insights

The Western Union Company (WU) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Excellent 3Y average ROE of 103.9%
  • ✓Efficient operations: 9.3% efficiency ratio
  • ✓Well capitalized: 11.5% equity/assets
  • ✓Share count reduced 4.0% through buybacks
  • ✓Diversified revenue: 99.8% from non-interest income

✗Weaknesses

  • ✗Weak NIM of -1.6%
  • ✗Weak momentum: RS Rating 20 (bottom 20%)
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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WU Price & Volume

The Western Union Company (WU) stock price & volume — 10-year historical chart

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WU Growth Metrics

The Western Union Company (WU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-3.01%
5 Years-3.52%
3 Years-3.35%
TTM-

Profit CAGR

10 Years-5.04%
5 Years-7.66%
3 Years-18.14%
TTM-51.83%

EPS CAGR

10 Years-0.57%
5 Years-3.09%
3 Years-13.21%
TTM-49.44%

Return on Capital

10 Years17.25%
5 Years19.63%
3 Years16.45%
Last Year12.53%

WU Recent Earnings

The Western Union Company (WU) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 24, 2026
Metric
Actual
Est
EPS
$0.25-37.5%
$0.40
Rev
$983M+2.3%
$961M
Q1 2026
Feb 20, 2026
Metric
Actual
Est
EPS
$0.45+4.7%
$0.43
Rev
$1.0B-3.5%
$1.0B
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.47+9.3%
$0.43
Rev
$1.0B-0.9%
$1.0B
Q3 2025
Jul 28, 2025
Metric
Actual
Est
EPS
$0.42-4.5%
$0.44
Rev
$1.0B-1.5%
$1.0B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 24, 2026
$0.25vs $0.40-37.5%
$983Mvs $961M+2.3%
Q1 2026Feb 20, 2026
$0.45vs $0.43+4.7%
$1.0Bvs $1.0B-3.5%
Q4 2025Oct 23, 2025
$0.47vs $0.43+9.3%
$1.0Bvs $1.0B-0.9%
Q3 2025Jul 28, 2025
$0.42vs $0.44-4.5%
$1.0Bvs $1.0B-1.5%
Based on last 12 quarters of dataView full earnings history →

WU Peer Comparison

The Western Union Company (WU) competitors in Payment Networks and Merchant Acquiring — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
IMXI logoIMXIInternational Money Express, Inc.Direct Competitor430.95M14.3213.26-7.72%5.27%16.51%1.34
PYPL logoPYPLPayPal Holdings, Inc.Product Competitor37.5B42.517.864.32%15%25.08%0.49
V logoVVisa Inc.Product Competitor627.79B327.2432.0811.34%51.68%58.9%0.66
MA logoMAMastercard IncorporatedProduct Competitor433.57B489.7929.6516.42%45.88%205.79%2.45
FIS logoFISFidelity National Information Services, Inc.Product Competitor19.75B38.2150.955.43%22.91%18.45%0.29
FISV logoFISVFiserv, Inc.Product Competitor25.59B47.867.553.6%15.17%12.43%1.13
WEX logoWEXWEX Inc.Product Competitor4.42B127.5315.061.24%11.5%26.96%3.94
EEFT logoEEFTEuronet Worldwide, Inc.Supply Chain2.5B65.849.636.38%7.29%23.51%1.65

Compare WU vs Peers

The Western Union Company (WU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IMXI

Most directly comparable listed peer for WU.

Scale Benchmark

vs V

Larger-name benchmark to compare WU against a more recognizable public peer.

Peer Set

Compare Top 5

vs IMXI, PYPL, V, MA

WU Income Statement

The Western Union Company (WU) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
-137.2M-144.8M-145.7M-115.3M-104.1M-87.1M-89.7M-107.9M-135.3M-307.8M
NII Growth %
7.92%-5.54%-0.62%20.86%9.71%16.33%-2.99%-20.29%-25.39%-671.29%
Net Interest Margin %
-1.49%-1.61%-1.66%-1.21%-1.18%-1.03%-1.09%-1.29%-1.63%-3.8%
Interest Income
4.9M4.8M6.3M3.2M1.4M13.9M15.6M11.9M7.9M8.2M
Interest Expense
142.1M149.6M152M118.5M105.5M101M105.3M119.8M143.2M277.8M
Loan Loss Provision
3.21B3.15B2.93B2.71B2.79B2.53B2.57B2.5B2.74B2.39B
Non-Interest Income
5.52B5.59B5.29B4.83B5.07B4.46B4.34B4.2B4.03B4.04B
Non-Interest Income %
99.91%99.91%99.88%99.93%99.97%99.69%99.64%99.72%99.8%99.8%
Total Revenue
5.52B▲ 0%
5.59B▲ 1.2%
5.29B▼ 5.3%
4.83B▼ 8.6%
5.07B▲ 4.9%
4.48B▼ 11.7%
4.36B▼ 2.6%
4.21B▼ 3.4%
4.04B▼ 4.0%
4.05B▲ 0%
Revenue Growth %
1.87%1.19%-5.33%-8.64%4.88%-11.74%-2.65%-3.38%-4%-9.13%
Non-Interest Expense
1.7B1.17B1.27B1.04B1.05B964.2M867.8M863.4M375.5M662.8M
Efficiency Ratio
30.69%20.88%24.03%21.53%20.73%21.54%19.92%20.51%9.29%16.38%
Operating Income
473.4M▲ 0%
1.12B▲ 137.0%
934M▼ 16.8%
967.3M▲ 3.6%
1.12B▲ 16.1%
884.9M▼ 21.2%
817.5M▼ 7.6%
725.8M▼ 11.2%
784.2M▲ 8.0%
714.3M▲ 0%
Operating Margin %
8.57%20.07%17.65%20.01%22.15%19.77%18.76%17.24%19.41%17.65%
Operating Income Growth %
-2.13%137.03%-16.76%3.57%16.11%-21.21%-7.62%-11.22%8.05%-
Pretax Income
347.5M▲ 0%
991.4M▲ 185.3%
1.32B▲ 33.3%
855.1M▼ 35.3%
935.4M▲ 9.4%
1.01B▲ 7.8%
745.8M▼ 26.1%
618.6M▼ 17.1%
625.7M▲ 1.1%
568.5M▲ 0%
Pretax Margin %
6.29%17.74%24.97%17.69%18.45%22.54%17.12%14.69%15.48%14.05%
Income Tax
904.6M139.5M263.1M110.8M129.6M98M119.8M-315.6M126.1M127.7M
Effective Tax Rate %
260.32%14.07%19.91%12.96%13.86%9.72%16.06%-51.02%20.15%22.46%
Net Income
-557.1M▲ 0%
851.9M▲ 252.9%
1.06B▲ 24.2%
744.3M▼ 29.7%
805.8M▲ 8.3%
910.6M▲ 13.0%
626M▼ 31.3%
934.2M▲ 49.2%
499.6M▼ 46.5%
440.8M▲ 0%
Net Margin %
-10.08%15.24%20%15.39%15.89%20.35%14.37%22.19%12.36%10.89%
Net Income Growth %
-320.02%252.92%24.23%-29.67%8.26%13.01%-31.25%49.23%-46.52%-51.83%
Net Income (Continuing)
-557.1M851.9M1.06B744.3M805.8M910.6M626M934.2M499.6M440.8M
EPS (Diluted)
-1.19▲ 0%
1.87▲ 257.1%
2.46▲ 31.6%
1.79▼ 27.2%
1.97▲ 10.1%
2.34▲ 18.8%
1.68▼ 28.2%
2.74▲ 63.1%
1.53▼ 44.2%
1.39▲ 0%
EPS Growth %
-333.33%257.14%31.55%-27.24%10.06%18.78%-28.21%63.1%-44.16%-49.44%
EPS (Basic)
-1.191.892.481.811.982.351.692.751.53-
Diluted Shares Outstanding
467.9M454.4M430.9M415.2M408.9M388.4M371.8M341.1M327.6M316.8M

WU Balance Sheet

The Western Union Company (WU) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
838.2M973.4M3.52B4.11B1.21B1.29B1.27B1.47B1.23B7.82B
Cash & Due from Banks
838.2M973.4M1.82B2.12B1.21B1.29B1.27B1.47B1.23B909.2M
Short Term Investments
001.7B1.99B000000
Total Investments
29.1M31.3M1.73B2.03B0210.9M210.4M212.9M00
Investments Growth %
-27.43%7.56%5431.63%17.41%-100%--0.24%1.19%-100%-202.77%
Long-Term Investments
29.1M31.3M33M42.2M0210.9M210.4M212.9M00
Accounts Receivables
1.57B1.36B1.23B1.14B0001.4B00
Goodwill & Intangibles
3.31B3.32B3.06B3.07B2.45B2.49B2.25B2.38B2.45B2.49B
Goodwill
2.73B2.73B2.57B2.57B2.03B2.03B2.03B2.06B2.1B2.1B
Intangible Assets
586.3M598.2M494.9M505M417.1M457.9M213.8M315.4M356.3M388.8M
PP&E (Net)
214.2M270.4M386.6M339.5M129.4M110.3M218M245.3M95M91.5M
Other Assets
4.86B4.43B331.4M536.6M3.58B4.14B3.96B100.4M00
Total Current Assets
838.2M973.4M4.95B5.51B2.66B1.55B1.56B5.17B1.23B909.2M
Total Non-Current Assets
8.39B8.02B3.81B3.99B6.16B6.95B6.64B3.2B2.78B2.8B
Total Assets
9.23B▲ 0%
9B▼ 2.5%
8.76B▼ 2.6%
9.5B▲ 8.4%
8.82B▼ 7.1%
8.5B▼ 3.7%
8.2B▼ 3.5%
8.37B▲ 2.1%
8.31B▼ 0.8%
8.1B▲ 0%
Asset Growth %
-2%-2.54%-2.65%8.42%-7.08%-3.71%-3.5%2.09%-0.77%-2.05%
Return on Assets (ROA)
-5.97%9.35%11.92%8.15%8.8%10.52%7.5%11.28%5.99%5.48%
Accounts Payable
718.5M564.9M601.9M500.9M450.2M464M453M407.9M00
Total Debt
3.03B3.43B3.47B3.3B3.01B2.78B2.67B3.13B00
Net Debt
2.2B2.46B1.65B1.18B1.8B1.49B1.4B1.66B-1.23B-909.2M
Long-Term Debt
3.03B3.43B2.48B2.49B2.73B2.14B2.14B2.94B00
Short-Term Debt
00745M580M275M480M364.9M65.2M00
Other Liabilities
4.55B4.09B240M490.4M463.5M3.61B236M26.4M7.12B6.96B
Total Current Liabilities
1.97B1.62B5.68B5.91B5.27B1.85B5.18B4.09B74.7M65.6M
Total Non-Current Liabilities
7.75B7.69B3.12B3.4B3.2B6.17B2.54B3.31B7.27B7.12B
Total Liabilities
9.72B9.31B8.8B9.31B8.47B8.02B7.72B7.4B7.35B7.19B
Total Equity
1.7B▲ 0%
2.15B▲ 26.2%
-39.5M▼ 101.8%
186.6M▲ 572.4%
355.6M▲ 90.6%
477.8M▲ 34.4%
479M▲ 0.3%
968.9M▲ 102.3%
957.8M▼ 1.1%
910.5M▲ 0%
Equity Growth %
-39.38%26.2%-101.84%572.41%90.57%34.36%0.25%102.28%-1.15%138.01%
Equity / Assets (Capital Ratio)
18.46%23.9%-0.45%1.96%4.03%5.62%5.84%11.58%11.53%11.24%
Return on Equity (ROE)
-24.68%44.2%100.27%1011.96%297.23%218.53%130.85%129.04%51.86%47.95%
Book Value per Share
3.644.73-0.090.450.871.231.292.842.922.87
Tangible BV per Share
-3.44-2.58-7.20-6.95-5.13-5.19-4.76-4.12-4.57-5.00
Common Stock
4.6M4.4M4.2M4.1M3.9M3.7M3.5M3.4M3.2M3.1M
Additional Paid-in Capital
697.8M755.6M841.2M885.1M941M995.9M1.03B1.07B00
Retained Earnings
-965.9M-838.8M-675.9M-543.1M-537.2M-353.9M-389.1M35.2M-11.5M-76.9M
Accumulated OCI
-227.9M-231M-209M-159.5M-52.1M-167.9M-167.3M-140.5M-151.3M-142M
Treasury Stock
0000000000
Preferred Stock
0000000000

WU Cash Flow Statement

The Western Union Company (WU) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
742M821.3M914.6M877.5M1.05B581.6M783.1M406.3M543.7M504.5M
Operating CF Growth %
-28.78%10.69%11.36%-4.06%19.12%-44.36%34.65%-48.12%33.82%96.48%
Net Income
-557.1M851.9M1.06B744.3M805.8M910.6M626M934.2M499.6M440.8M
Depreciation & Amortization
262.9M264.7M257.7M225.6M208.2M183.8M183.6M179.1M165.4M170.2M
Deferred Taxes
69.5M-15.1M-24.5M13.9M-2.6M-26.7M-11M-248.8M34.9M34.9M
Other Non-Cash Items
588.2M66.2M-413.7M104.1M211.5M-139.4M95.9M123.5M-116.8M-152.9M
Working Capital Changes
378.5M-346.4M36.8M-252.1M-177.6M-346.7M-111.4M-581.7M-39.4M11.5M
Cash from Investing
-204.6M-328.8M167M-113.4M192M525.5M-140.8M-16.3M-230.3M-174.7M
Purchase of Investments
-234.8M-27M-5.87B-4.9M-433M-1.56B-495.3M-396.7M-256.3M-169M
Sale/Maturity of Investments
232.2M37.2M5.4B900K985M1.39B506M526.2M186M178.1M
Net Investment Activity
-2.6M10.2M-465.3M-4M552M-171M10.7M129.5M-70.3M9.1M
Acquisitions
-24.9M0711.7M49.4M-149.1M887.2M0000
Other Investing
-108M-202.3M-31.3M-2M-173.2M-158.8M-128.6M-108.4M-9.2M10.4M
Cash from Financing
-570.5M-357.2M-1.48B-773.5M-1.27B-1.18B-896.8M-69.3M-782.6M-294.2M
Dividends Paid
-325.6M-341.7M-340.8M-370.3M-381.6M-364.2M-349M-321.5M-309M-306.1M
Share Repurchases
-502.8M-412.4M-552.6M-239.7M-409.9M-369.9M-308.4M-186.2M-234.6M-210.8M
Stock Issued
0000000000
Net Stock Activity
-502.8M-412.4M-552.6M-239.7M-409.9M-369.9M-308.4M-186.2M-234.6M-210.8M
Debt Issuance (Net)
1000K1000K-1000K-1000K-1000K-1000K-1000K1000K0-1000K
Other Financing
11.7M900K-381.7M1.5M-400.4M-48.2M-124.3M5.2M-239M19.8M
Net Change in Cash
-33.1M▲ 0%
135.3M▲ 508.8%
-402.5M▼ 397.5%
-9.4M▲ 97.7%
-32.2M▼ 242.6%
-70.2M▼ 118.0%
-254.5M▼ 262.5%
320.7M▲ 226.0%
-469.2M▼ 246.3%
35.6M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
877.5M844.4M2.23B1.46B2.14B2.11B2.04B1.79B2.11B1.64B
Cash at End
844.4M979.7M1.82B1.45B2.11B2.04B1.79B2.11B1.64B1.48B
Interest Paid
128M142.5M151.3M109.6M101.6M97.2M102.4M114M0-23.8M
Income Taxes Paid
0339.4M318.9M187.3M185.9M279.8M197.4M324.9M0-14.1M
Free Cash Flow
564.9M▲ 0%
482.3M▼ 14.6%
786.9M▲ 63.2%
720.7M▼ 8.4%
830.7M▲ 15.3%
373.4M▼ 55.0%
635.3M▲ 70.1%
368.9M▼ 41.9%
392.9M▲ 6.5%
331.3M▲ 0%
FCF Growth %
-30.44%-14.62%63.16%-8.41%15.26%-55.05%70.14%-41.93%6.51%-2.73%

WU Banking Ratios

The Western Union Company (WU) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
-24.68%44.2%100.27%1011.96%297.23%218.53%130.85%129.04%51.86%47.95%
Return on Assets (ROA)
-5.97%9.35%11.92%8.15%8.8%10.52%7.5%11.28%5.99%5.48%
Net Interest Margin
-1.49%-1.61%-1.66%-1.21%-1.18%-1.03%-1.09%-1.29%-1.63%-3.8%
Efficiency Ratio
30.69%20.88%24.03%21.53%20.73%21.54%19.92%20.51%9.29%16.38%
Equity / Assets
18.46%23.9%-0.45%1.96%4.03%5.62%5.84%11.58%11.53%11.24%
Book Value / Share
3.644.73-0.090.450.871.231.292.842.922.87
NII Growth
7.92%-5.54%-0.62%20.86%9.71%16.33%-2.99%-20.29%-25.39%-165.8%
Dividend Payout
-40.11%32.2%49.75%47.36%40%55.75%34.41%61.85%51.43%
Related:WU Dividend History·WU Revenue History·WU Price History·WU P/E History·WU Financial Ratios·WU Institutional Holders

WU SEC Filings & Documents

The Western Union Company (WU) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 24, 2026·SEC

Material company update

Mar 16, 2026·SEC

Material company update

Mar 9, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 20, 2025·SEC

FY 2024

Feb 22, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 24, 2026·SEC

FY 2025

Oct 27, 2025·SEC

FY 2025

Jul 28, 2025·SEC

WU Frequently Asked Questions

The Western Union Company (WU) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

The Western Union Company (WU) saw revenue decline by 4.0% over the past year.

Yes, The Western Union Company (WU) is profitable, generating $440.8M in net income for fiscal year 2025 (12.4% net margin).

Dividend & Returns

Yes, The Western Union Company (WU) pays a dividend with a yield of 13.24%. This makes it attractive for income-focused investors.

The Western Union Company (WU) has a return on equity (ROE) of 51.9%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

The Western Union Company (WU) has a net interest margin (NIM) of -1.6%. NIM has been under pressure due to interest rate environment.

The Western Union Company (WU) has an efficiency ratio of 9.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in WU back in 2001?

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How much would $100/month in WU be worth today?

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