Last 48 quarters of trend data · Financial Services · Payment Processors & Networks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 6.46 | 5.90 | 8.02 | 10.91 | 6.47 | 4.65 | 5.69 | 7.35 | 2.35 | 3.82 | 7.27 | 8.52 | 8.51 | 7.16 | 6.24 | 6.97 | 5.30 | 7.50 | 8.23 | 6.33 | 10.62 |
| — | +27.0% | +41.0% | +48.5% | +175.7% | +21.5% | -21.8% | -13.8% | -72.5% | -46.6% | +16.6% | +22.3% | +60.8% | -4.5% | -24.2% | +10.1% | -50.1% | -15.4% | -22.6% | -54.8% | -16.8% | |
| P/S Ratio | 0.57 | 0.48 | 0.62 | 0.73 | 0.82 | 0.77 | 0.70 | 0.94 | 0.88 | 1.01 | 1.00 | 1.18 | 1.05 | 1.15 | 0.96 | 1.03 | 1.24 | 1.23 | 1.43 | 1.63 | 1.42 |
| — | -38.2% | -11.6% | -22.6% | -6.7% | -23.6% | -30.0% | -20.1% | -16.1% | -12.6% | +4.0% | +14.2% | -15.4% | -6.1% | -32.8% | -36.7% | -12.9% | -24.9% | -23.3% | -24.4% | -22.2% | |
| P/B Ratio | 2.35 | 2.08 | 2.64 | 3.04 | 3.10 | 2.85 | 3.14 | 3.82 | 3.73 | 6.21 | 9.41 | 12.15 | 8.99 | 8.05 | 7.03 | 7.57 | 11.06 | 9.90 | 14.24 | 20.96 | 20.15 |
| — | -27.2% | -15.9% | -20.5% | -16.9% | -54.0% | -66.6% | -68.5% | -58.5% | -23.0% | +33.9% | +60.4% | -18.8% | -18.7% | -50.6% | -63.9% | -45.1% | -55.7% | -56.9% | -55.1% | -58.6% | |
| P/FCF | 7.22 | 7.09 | 9.51 | 11.12 | 6.98 | 3.87 | — | 7.25 | 9.49 | 5.48 | — | 20.51 | 4.60 | 5.43 | 11.72 | 13.10 | — | 8.58 | 30.52 | 10.86 | 5.15 |
| — | +83.3% | — | +53.4% | -26.5% | -29.4% | — | -64.7% | +106.4% | +0.9% | — | +56.6% | — | -36.7% | -61.6% | +20.6% | — | +25.5% | +61.8% | -66.5% | -45.3% | |
| EV / EBITDA | 4.69 | 1.04 | 5.17 | 5.76 | 4.65 | 3.97 | 4.43 | 5.62 | 5.24 | 6.27 | 5.61 | 6.13 | 6.78 | 5.95 | 4.88 | 5.39 | 8.56 | 6.03 | 6.35 | 7.59 | 6.29 |
| — | -73.8% | +16.8% | +2.3% | -11.3% | -36.7% | -21.2% | -8.3% | -22.7% | +5.4% | +15.0% | +13.7% | -20.9% | -1.3% | -23.2% | -28.9% | +36.2% | -11.7% | -24.0% | -22.3% | -30.7% | |
| EV / EBIT | 4.61 | 1.40 | 6.95 | 7.73 | 5.90 | 4.72 | 5.25 | 6.86 | 6.52 | 7.76 | 6.77 | 7.46 | 8.13 | 6.61 | 5.79 | 6.58 | 6.98 | 7.61 | 7.55 | 5.58 | 11.09 |
| — | -70.4% | +32.4% | +12.8% | -9.5% | -39.2% | -22.5% | -8.1% | -19.8% | +17.5% | +17.1% | +13.4% | +16.4% | -13.2% | -23.3% | +18.0% | -37.0% | -4.3% | -17.0% | -53.9% | -1.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.8% | 35.3% | 34.6% | 34.6% | 30.6% | 45.4% | 38.7% | 38.3% | 38.6% | 38.1% | 38.9% | 39.9% | 38.6% | 38.3% | 41.2% | 40.3% | 38.6% | 42.5% | 43.6% | 44.3% | 45.2% |
| — | -22.2% | -10.8% | -9.6% | -20.7% | +19.3% | -0.4% | -3.9% | -0.1% | -0.7% | -5.7% | -1.0% | +0.2% | -9.8% | -5.4% | -9.0% | -14.8% | -5.4% | +3.0% | +3.8% | +9.8% | |
| Operating Margin | 20.1% | 13.5% | 13.6% | 13.0% | 21.8% | 23.6% | 19.5% | 18.7% | 17.3% | 16.4% | 18.4% | 18.8% | 15.5% | 19.7% | 21.2% | 20.2% | 14.2% | 21.8% | 23.7% | 21.0% | 25.2% |
| — | -42.8% | -30.3% | -30.3% | +25.5% | +43.4% | +5.7% | -0.7% | +11.6% | -16.6% | -13.2% | -7.2% | +9.1% | -9.6% | -10.5% | -3.7% | -43.5% | -13.8% | +17.6% | +6.6% | +37.8% | |
| Net Margin | 12.8% | 8.0% | 7.9% | 6.8% | 12.7% | 16.3% | 12.3% | 13.0% | 37.5% | 26.4% | 13.6% | 13.9% | 12.4% | 16.0% | 15.4% | 15.0% | 23.4% | 16.3% | 17.4% | 25.9% | 13.4% |
| — | -50.7% | -36.2% | -47.4% | -66.3% | -38.3% | -9.4% | -6.9% | +203.2% | +65.2% | -11.7% | -7.0% | -47.1% | -2.3% | -11.5% | -42.2% | +74.5% | -11.5% | -1.0% | +68.6% | -5.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 51.9% | 8.6% | 8.4% | 6.9% | 12.1% | 15.4% | 13.4% | 12.9% | 47.6% | 48.4% | 33.6% | 32.5% | 23.2% | 27.6% | 29.9% | 29.5% | 49.6% | 35.6% | 48.4% | 82.8% | 46.6% |
| — | -44.0% | -37.3% | -46.5% | -74.5% | -68.1% | -60.2% | -60.2% | +104.6% | +75.6% | +12.5% | +10.5% | -53.1% | -22.6% | -38.3% | -64.4% | +6.4% | -49.9% | -45.0% | -7.7% | -66.6% | |
| ROA | 6.0% | 1.0% | 1.0% | 0.8% | 1.4% | 1.8% | 1.5% | 1.5% | 4.8% | 3.4% | 1.8% | 1.8% | 1.6% | 2.1% | 2.1% | 1.8% | 2.9% | 2.0% | 2.2% | 3.4% | 1.9% |
| — | -45.1% | -36.2% | -46.6% | -70.4% | -47.7% | -15.0% | -15.8% | +205.0% | +62.3% | -16.5% | -3.2% | -45.0% | +6.1% | -6.2% | -46.4% | +50.3% | -24.6% | -7.8% | +75.0% | -1.3% | |
| ROIC | 14.4% | 4.4% | 2.8% | 2.4% | 3.9% | 4.2% | 3.9% | 3.4% | 3.6% | 3.9% | 4.8% | 4.9% | 4.0% | 5.0% | 5.6% | 4.9% | 3.6% | 5.5% | 6.6% | 5.5% | 7.0% |
| — | +2.9% | -29.4% | -28.5% | +7.0% | +8.2% | -17.5% | -30.2% | -10.0% | -21.2% | -15.6% | -0.6% | +13.8% | -10.2% | -14.1% | -11.3% | -49.2% | -24.7% | +15.6% | +9.7% | +35.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.24 | — | 2.95 | 2.88 | 3.24 | 2.80 | 3.11 | 2.97 | 3.23 | 3.96 | 5.98 | 6.38 | 5.23 | 3.76 | 4.49 | 4.45 | 5.81 | 4.94 | 6.01 | 7.18 | 9.03 |
| — | — | -5.2% | -3.0% | +0.2% | -29.3% | -48.0% | -53.5% | -38.2% | +5.3% | +33.2% | +43.3% | -10.1% | -23.9% | -25.3% | -38.0% | -35.6% | -36.1% | -42.6% | -51.3% | -49.0% | |
| Debt / EBITDA | 3.27 | — | 14.87 | 15.46 | 13.00 | 10.66 | 11.80 | 12.73 | 14.14 | 12.44 | 11.13 | 10.64 | 12.25 | 8.99 | 9.75 | 9.80 | 14.04 | 9.44 | 8.70 | 8.91 | 8.81 |
| — | — | +26.0% | +21.5% | -8.1% | -14.3% | +6.0% | +19.6% | +15.4% | +38.4% | +14.2% | +8.6% | -12.7% | -4.8% | +12.1% | +9.9% | +59.4% | +22.4% | -9.9% | -21.0% | -24.5% | |
| Current Ratio | 1.13 | 17.35 | 3.75 | 1.02 | 1.13 | 1.08 | 1.07 | 1.06 | 7.12 | 0.89 | 0.86 | 0.85 | 1.03 | 0.90 | 0.97 | 0.90 | 0.84 | 0.86 | 0.84 | 1.03 | 1.04 |
| — | +1505.6% | +252.0% | -3.9% | -84.1% | +21.2% | +24.6% | +25.6% | +589.2% | -0.9% | -11.5% | -5.6% | +23.6% | +4.5% | +14.9% | -13.2% | -19.7% | -3.9% | +3.2% | +12.3% | +11.7% | |
| Quick Ratio | 1.13 | 17.35 | 3.75 | 1.02 | 1.13 | 1.08 | 1.07 | 1.06 | 7.12 | 0.89 | 0.86 | 0.85 | 1.03 | 0.90 | 0.97 | 0.90 | 0.84 | 0.86 | 0.84 | 1.03 | 1.04 |
| — | +1505.6% | +252.0% | -3.9% | -84.1% | +21.2% | +24.6% | +25.6% | +589.2% | -0.9% | -11.5% | -5.6% | +23.6% | +4.5% | +14.9% | -13.2% | -19.7% | -3.9% | +3.2% | +12.3% | +11.7% | |
| Interest Coverage | 5.37 | 3.50 | 3.42 | 3.49 | 1.85 | 1.17 | 5.35 | 5.52 | 5.86 | 5.21 | 6.31 | 7.51 | 6.48 | 8.57 | 9.01 | 8.24 | 9.26 | 8.69 | 10.52 | 15.60 | 8.01 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying WU stock.
The Western Union Company's current P/E is 6.5x. The average P/E over the last 4 quarters is 7.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
The Western Union Company's current operating margin is 20.1%. Margins have been compressing 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.