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WUThe Western Union Company
$6.88$2.1B
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 · Payment Processors & Networks
$6.88
At close - Nov 6, 4:00 PM EST - USD
Market Cap$2.15B
P/E6.5x
52W High$10.35
Volume11.63M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Cost Discipline Holds Earnings Steady Amid Revenue Erosion

Western Union's fundamental outlook rests on whether cost execution can offset a shrinking top line, with trailing revenue down 4.7% year over year and 2026Q3 EPS of $0.25 versus $0.43 a year earlier.

GrowthDecelerating
ProfitabilityStable
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

-56% Peers

P/E is 56% below peer median

03

Market leadership

RS 38 · Lag

Laggard (Underperforming 62% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Feb 4

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
WU-17.82%
S&P 500 (^GSPC)+7.63%
1-Year Return
WU-15.73%
S&P 500 (^GSPC)+9.69%
3-Year Return
WU-16.95%
S&P 500 (^GSPC)+66.93%
5-Year Return
WU-36.55%
S&P 500 (^GSPC)+55.29%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
6.5x
Forward P/EExpansion
5.3x
EV/EBITDA0th %ile
4.7x
FCF YieldCash Flow
13.9%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
6.5x
6.1x
60th· Fair
EV/EBITDA
4.7x
5.7x
0th· Low
Price/FCF
7.2x
8.8x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$20.27+194.6%
Base (Fair)$18.43+167.9%
Bull$27.34+297.4%
$20.27 Bear$18.43 Base$27.34 Bull
Current Market Price: $6.88
Trades at a 62.7% discount to Base DCF ($18.43)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$3.9B-4.7% YoY
Net income FY25
$500M-46.5% YoY
Free cash flow FY25
$393M+6.5% YoY
Operating margin FY25
20.1%+2.4 pts YoY
ROIC (FY25)14.4%
Avg ROIC 5Y18.6%
ROE (TTM)36.3%
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 Rate6/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Nov 4, 2026
$0.42+24.2%
vs $0.34
$1.0B-1.2%
vs $1.0B
Q3 2026
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
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
24/7 Wall Street·1d ago
Western Union Yields 13.5%. Is This Dividend Stock a Trap?

The payout hasn't moved in years, yet the yield keeps climbing because investors keep dumping the stock. We tested three high-yield names on earnings, cash flow, and debt, and one of them is paying dividends from reserves.

Benzinga·1d ago
Wall Street's Most Accurate Analysts Weigh In On 3 Financial Stocks With Over 10% Dividend Yields

During times of turbulence and uncertainty in the markets, many investors turn to dividend-yielding stocks. These are often companies that have high free cash flows and reward shareholders with a high dividend payout.

Zacks Investment Research·3d ago
Compared to Estimates, Western Union (WU) Q3 Earnings: A Look at Key Metrics

The headline numbers for Western Union (WU) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Zacks Investment Research·3d ago
Western Union (WU) Tops Q3 Earnings Estimates

Western Union (WU) came out with quarterly earnings of $0.42 per share, beating the Zacks Consensus Estimate of $0.35 per share. This compares to earnings of $0.47 per share a year ago.

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
$6.88$2.15B6.46-4.69%8.79%36.35%13.71%
IMXI logoIMXIInternational Money Express, Inc.
$7.34$220.89M12.07-7.72%4.12%11.58%—
PYPL logoPYPLPayPal Holdings, Inc.
$59.24$52.26B10.754.19%13.94%23.76%0.23%
V logoVVisa Inc.
$422.65$789.11B33.8414.55%52.51%64.52%0.63%
MA logoMAMastercard Incorporated
$652.70$576.71B33.7216.53%47.8%252.94%0.47%
FIS logoFISFidelity National Information Services, Inc.
$28.73$14.85B4.295.43%26.77%22.29%5.68%

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

Nov 4, 2026·SEC

Material company update

Nov 3, 2026·SEC

Material company update

Aug 14, 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

Nov 4, 2026·SEC

FY 2026

Jul 30, 2026·SEC

FY 2026

Apr 24, 2026·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) revenue fell by 0.8% over the trailing twelve months, compared with the twelve months before.

Is WU profitable?

Yes. The Western Union Company (WU) earned $333.8M in net income over the trailing twelve months (a 8.8% net margin).

Dividend & Returns
Does WU pay dividends?

Yes. The Western Union Company (WU) pays a dividend that yields 13.71% at the current price, a high yield.

What is WU's return on equity?

The Western Union Company (WU) had a return on equity (ROE) of 36.3% over the trailing twelve months. That is well above the market's typical 10-15%.

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 9.6%. 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 →