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WUThe Western Union Company
$6.09$1.9B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
WU logo

The Western Union Company

WU
NYSE · Credit Services
$6.09
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$1.9B
P/E4.0x
52W High$10.35
Volume8.11M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Fee Income Dominates Amid Persistent Margin Pressure

Western Union's revenue is almost entirely fee-based (99.8% of total revenue in 2026Q2), yet the company faces persistent margin pressure from negative net interest income (-$37.3M) and elevated provision expenses ($637.2M, over 60% of revenue). The efficiency...

GrowthDecelerating
ProfitabilityStrained
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

WU price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

6/12 Beats

EPS beat 6 of last 12 quarters

02

Valuation risk

-83% Peers

P/E is 83% below peer median

03

Market leadership

RS 12 · Lag

Laggard (Underperforming 88% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 30

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
WU-26.38%
S&P 500 (^GSPC)+12.39%
1-Year Return
WU-13.42%
S&P 500 (^GSPC)+15.77%
3-Year Return
WU-32.29%
S&P 500 (^GSPC)+74.70%
5-Year Return
WU-46.64%
S&P 500 (^GSPC)+70.13%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
4.0x
Forward P/E
4.7x
EV/EBITDA0th %ile
3.5x
FCF YieldCash Flow
20.7%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
4.0x
6.1x
20th· Low
EV/EBITDA
3.5x
5.7x
0th· Low
Price/FCF
4.8x
8.8x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$20.27+232.8%
Base (Fair)$18.58+200.6%
Bull$27.34+348.9%
$20.27 Bear$18.58 Base$27.34 Bull
Current Market Price: $6.09
Trades at a 67.2% discount to Base DCF ($18.58)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$3.9B-4.7% YoY
Net income
$500M-46.5% YoY
Free cash flow
$393M+6.5% YoY
Operating margin
19.4%+2.2 pts YoY
ROIC (TTM)14.4%
Avg ROIC 5Y-
ROE (TTM)51.9%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate6/12 (50%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 30, 2026
$0.31-26.3%
vs $0.42
$1.0B-0.6%
vs $1.0B
Q2 2026
Apr 24, 2026
$0.25-37.5%
vs $0.40
$983M+2.3%
vs $961M
Q1 2026
Feb 20, 2026
$0.45+4.7%
vs $0.43
$1.0B-3.5%
vs $1.0B
Q4 2025
Oct 23, 2025
$0.47+9.3%
vs $0.43
$1.0B-0.9%
vs $1.0B
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Globe News Wire·Sep 16, 2026
Total Wireless y Western Union traen los paisajes y sonidos de Guadalajara a Los Ángeles con “México Transferred”

NUEVA YORK Y DENVER, Sept. 16, 2026 (GLOBE NEWSWIRE) -- Total Wireless y Western Union invitan a los residentes de Los Ángeles a reconectar con los recuerdos, las tradiciones y los momentos cotidianos de Guadalajara, México, sin salir de Boyle Heights.

GlobeNewsWire·Sep 16, 2026
Total Wireless and Western Union Bring the Sights and Sounds of Guadalajara to Los Angeles with “Mexico Transferred”

Immersive Boyle Heights experience opens September 25 in celebration of Hispanic Heritage Month, honoring every day life traditions of Guadalajara, Mexico Immersive Boyle Heights experience opens September 25 in celebration of Hispanic Heritage Month, honoring every day life traditions of Guadalajara, Mexico

Zacks Investment Research·Sep 14, 2026
Why the Market Dipped But Western Union (WU) Gained Today

Western Union (WU) concluded the recent trading session at $7.03, signifying a +1.44% move from its prior day's close.

Zacks Investment Research·Sep 8, 2026
Western Union (WU) Declines More Than Market: Some Information for Investors

In the latest trading session, Western Union (WU) closed at $7, marking a -2.51% move from the previous day.

Filtered for The Western Union CompanyMore Headlines
04

Compare before deciding

Benchmark WU against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for The Western Union Company (WU)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
WU logoWUThe Western Union CompanyCurrent
$6.09$1.9B3.98-4.69%12.36%51.86%15.49%
IMXI logoIMXIInternational Money Express, Inc.
$11.43$343.98M10.58-7.72%4.12%11.58%—
PYPL logoPYPLPayPal Holdings, Inc.
$52.51$46.32B9.714.19%14.36%24.42%—
V logoVVisa Inc.
$361.52$674.97B35.4411.69%50.78%61.26%—
MA logoMAMastercard Incorporated
$559.92$494.73B33.8916.53%46.34%232.28%—
FIS logoFISFidelity National Information Services, Inc.
$34.67$17.92B46.235.43%27.15%22.56%—

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

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

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

Aug 14, 2026·SEC

Material company update

Jul 30, 2026·SEC

Material company update

Jul 23, 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

Jul 30, 2026·SEC

FY 2026

Apr 24, 2026·SEC

FY 2025

Oct 27, 2025·SEC

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WU Frequently Asked Questions

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

Growth & Financials
How fast is The Western Union Company growing?

The Western Union Company (WU) saw revenue decline by 4.7% over the past year.

Is WU profitable?

Yes, The Western Union Company (WU) is profitable, generating $395.4M in net income for fiscal year 2025 (12.4% net margin).

Dividend & Returns
Does WU pay dividends?

Yes, The Western Union Company (WU) pays a dividend with a yield of 15.49%. This makes it attractive for income-focused investors.

What is WU's return on equity?

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
What is The Western Union Company's net interest margin?

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

What is The Western Union Company's efficiency ratio?

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?

Total return calculator · dividends reinvested · 25+ years of data

See returns →