Last 48 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
The Western Union Company's quarterly P/E stands at 6.5x, up 175.7% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has compressed 65.3% YoY to 1.8x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 6.29 | 6.47 | 4.65 | 5.69 | 7.35 | 2.35 | 3.82 | 7.27 | 8.52 | 8.51 | 7.16 | 6.24 | 6.97 |
| — | +175.7% | +21.5% | -21.8% | -13.8% | -72.5% | -46.6% | +16.6% | +22.3% | +60.8% | -4.5% | -24.2% | +10.1% | |
| P/S Ratio | 0.75 | 0.74 | 0.64 | 0.68 | 0.91 | 0.85 | 0.98 | 0.97 | 1.15 | 1.02 | 1.13 | 0.94 | 1.01 |
| — | -13.6% | -34.6% | -30.5% | -20.8% | -16.5% | -13.2% | +3.3% | +14.1% | -15.5% | -6.2% | -32.9% | -36.9% | |
| P/B Ratio | 3.29 | 3.10 | 2.85 | 3.14 | 3.82 | 3.73 | 6.21 | 9.41 | 12.15 | 8.99 | 8.05 | 7.03 | 7.57 |
| — | -16.9% | -54.0% | -66.6% | -68.5% | -58.5% | -23.0% | +33.9% | +60.4% | -18.8% | -18.7% | -50.6% | -63.9% | |
| P/FCF | 7.74 | 6.98 | 3.87 | — | 7.25 | 9.49 | 5.48 | — | 20.51 | 4.60 | 5.43 | 11.72 | 13.10 |
| — | -26.5% | -29.4% | — | -64.7% | +106.4% | +0.9% | — | +56.6% | — | -36.7% | -61.6% | +20.6% | |
| EV / EBITDA | 1.90 | 1.82 | 3.97 | 4.43 | 5.62 | 5.24 | 6.27 | 5.61 | 6.13 | 6.97 | 5.95 | 4.88 | 5.39 |
| — | -65.3% | -36.7% | -21.2% | -8.3% | -24.9% | +5.4% | +15.0% | +13.7% | -18.5% | -1.3% | -23.2% | -28.9% | |
| EV / EBIT | 2.30 | 2.31 | 4.78 | 5.25 | 6.86 | 6.52 | 7.76 | 6.77 | 7.46 | 8.37 | 6.61 | 5.79 | 6.58 |
| — | -64.6% | -38.4% | -22.5% | -8.1% | -22.1% | +17.5% | +17.1% | +13.4% | +19.8% | -13.2% | -23.3% | +18.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
The Western Union Company's operating margin was 19.6% in Q4 2025, up 0.0 pp QoQ and up 2.7 pp YoY. Gross margin contracted 26.6% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 28.7% | 27.5% | 37.7% | 37.4% | 37.0% | 37.5% | 36.9% | 37.7% | 38.9% | 37.7% | 37.4% | 40.3% | 39.3% |
| — | -26.6% | +2.2% | -1.0% | -4.7% | -0.5% | -1.3% | -6.3% | -1.1% | +0.1% | -9.9% | -5.6% | -9.3% | |
| Operating Margin | 19.4% | 19.6% | 19.6% | 18.8% | 18.0% | 16.8% | 15.9% | 17.9% | 18.3% | 15.1% | 19.2% | 20.7% | 19.7% |
| — | +16.2% | +22.8% | +5.0% | -1.5% | +11.2% | -17.1% | -13.8% | -7.2% | +9.0% | -9.7% | -10.6% | -3.9% | |
| Net Margin | 12.4% | 11.4% | 13.5% | 11.9% | 12.6% | 36.4% | 25.6% | 13.2% | 13.6% | 12.1% | 15.6% | 15.1% | 14.6% |
| — | -68.8% | -47.1% | -10.0% | -7.7% | +202.0% | +64.1% | -12.2% | -7.1% | -47.2% | -2.4% | -11.6% | -42.3% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 51.9% | 12.1% | 15.4% | 13.4% | 12.9% | 47.6% | 48.4% | 33.6% | 32.5% | 23.2% | 27.6% | 29.9% | 29.5% |
| — | -74.5% | -68.1% | -60.2% | -60.2% | +104.6% | +75.6% | +12.5% | +10.5% | -53.1% | -22.6% | -38.3% | -64.4% | |
| ROA | 6.0% | 1.4% | 1.8% | 1.5% | 1.5% | 4.8% | 3.4% | 1.8% | 1.8% | 1.6% | 2.1% | 2.1% | 1.8% |
| — | -70.4% | -47.7% | -15.0% | -15.8% | +205.0% | +62.3% | -16.5% | -3.2% | -45.0% | +6.1% | -6.2% | -46.4% | |
| ROIC | 23.3% | 6.6% | 4.2% | 3.9% | 3.4% | 3.6% | 3.9% | 4.8% | 4.7% | 3.9% | 5.0% | 5.6% | 4.9% |
| — | +81.1% | +8.2% | -17.5% | -28.3% | -7.6% | -21.2% | -15.6% | -3.3% | +10.7% | -10.2% | -14.1% | -14.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has improved 1206.0% YoY to 16.52x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | 2.80 | 3.11 | 2.97 | 3.23 | 3.96 | 5.98 | 6.38 | 5.57 | 3.76 | 4.49 | 4.45 |
| — | — | -29.3% | -48.0% | -53.5% | -41.9% | +5.3% | +33.2% | +43.3% | -4.2% | -23.9% | -25.3% | -38.0% | |
| Debt / EBITDA | — | — | 10.66 | 11.80 | 12.73 | 14.14 | 12.44 | 11.13 | 10.64 | 13.05 | 8.99 | 9.75 | 9.80 |
| — | — | -14.3% | +6.0% | +19.6% | +8.4% | +38.4% | +14.2% | +8.6% | -7.1% | -4.8% | +12.1% | +9.9% | |
| Current Ratio | 16.52 | 16.52 | 1.08 | 1.07 | 1.06 | 1.27 | 0.89 | 0.86 | 0.85 | 0.30 | 0.90 | 0.97 | 0.80 |
| — | +1206.0% | +21.2% | +24.6% | +25.6% | +320.3% | -0.9% | -11.5% | +5.9% | -64.0% | +4.5% | +14.9% | -22.6% | |
| Quick Ratio | 16.52 | 16.52 | 1.08 | 1.07 | 1.06 | 1.27 | 0.89 | 0.86 | 0.85 | 0.30 | 0.90 | 0.97 | 0.80 |
| — | +1206.0% | +21.2% | +24.6% | +25.6% | +320.3% | -0.9% | -11.5% | +5.9% | -64.0% | +4.5% | +14.9% | -22.6% | |
| Interest Coverage | 5.48 | — | 1.15 | 5.25 | 5.44 | 5.86 | 5.12 | 6.13 | 7.36 | 6.06 | 7.81 | 8.99 | 8.19 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Start ComparisonThe Western Union Company's current P/E is 6.3x. The average P/E over the last 4 quarters is 6.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
The Western Union Company's current operating margin is 19.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking The Western Union Company's business trajectory between earnings reports.