Symbols / WU Stock $8.90 -4.61% The Western Union Company

Financial Services • Credit Services • United States • NYQ
WU (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Devin B. McGranahan
Exch · Country NYQ · United States
Market Cap 2.79B
Enterprise Value 4.79B
Income 499.60M
Sales 4.05B
FCF (ttm) 403.05M
Book/sh 3.03
Cash/sh 3.94
Employees 9,600
Insider 10d —
IPO Oct 02, 2006
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 61.84%
P/E 5.86
Forward P/E 4.62
PEG —
P/S 0.69
P/B 2.93
P/C —
EV/EBITDA 5.13
EV/Sales 1.18
Quick Ratio 0.28
Current Ratio 0.34
Debt/Eq 324.02
LT Debt/Eq —
EPS (ttm) 1.52
EPS next Y 1.93
EPS Growth -69.20%
Revenue Growth -4.70%
EPS Gr Q/Q -70.30%
Rev Gr Q/Q —
Earnings (next) 2026-04-24
Earnings (prior) 2026-02-20
ROA 5.76%
ROE 51.86%
ROIC —
Gross Margin 37.03%
Oper. Margin 19.46%
Profit Margin 12.33%
Shs Outstand 313.42M
Shs Float 311.29M
Insider Own 0.84%
Instit Own 107.86%
Short Float 17.13%
Short Ratio 5.88
Short Interest 47.12M
52W High 10.37
vs 52W High -14.18%
52W Low 7.85
vs 52W Low 13.38%
Beta 0.54
Impl. Vol. 33.99%
Rel Volume 5.46
Avg Volume 8.67M
Volume 47.36M
Target (mean) $9.62
Tgt Median $9.00
Tgt Low $7.00
Tgt High $16.00
# Analysts 13
Recom Underperform
Prev Close $9.33
Price $8.90
Change -4.61%
About

The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents and owned locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, money order and media network services, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$9.62
Mean price target
2. Current target
$8.90
Latest analyst target
3. DCF / Fair value
$23.15
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$8.90
Low
$7.00
High
$16.00
Mean
$9.62

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-27 init Cantor Fitzgerald — → Underweight $9
2026-01-02 main Keefe, Bruyette & Woods Market Perform → Market Perform $10
2025-11-10 main UBS Neutral → Neutral $9
2025-11-10 main Susquehanna Neutral → Neutral $10
2025-10-22 init Citigroup — → Neutral $9
2025-10-01 main Keefe, Bruyette & Woods Market Perform → Market Perform $9
2025-07-31 main Barclays Underweight → Underweight $8
2025-07-29 main JP Morgan Underweight → Underweight $9
2025-07-29 main Morgan Stanley Underweight → Underweight $7
2025-07-29 main RBC Capital Sector Perform → Sector Perform $9
2025-07-29 main UBS Neutral → Neutral $9
2025-07-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $10
2025-07-29 main Susquehanna Neutral → Neutral $9
2025-04-24 main RBC Capital Sector Perform → Sector Perform $13
2025-04-24 main UBS Neutral → Neutral $11
2025-04-24 main Keefe, Bruyette & Woods Market Perform → Market Perform $11
2025-04-24 reit JMP Securities Market Perform → Market Perform —
2025-04-24 main Susquehanna Neutral → Neutral $11
2025-04-03 reit RBC Capital Sector Perform → Sector Perform $14
2025-02-06 reit JMP Securities Market Perform → Market Perform —
News
RSS: Latest WU news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-13 PANT MILIND Director — 16,905 $0.00 $0
2026-03-02 COLE MARTIN I Director — 20,921 $0.00 $0
2026-03-02 SIEGMUND JAN Director — 20,921 $0.00 $0
2026-03-02 CAGWIN MATTHEW Chief Financial Officer — 196,653 $0.00 $0
2026-03-02 CAGWIN MATTHEW Chief Financial Officer — 245,816 $0.00 $0
2026-03-02 MCGRANAHAN DEVIN B Chief Executive Officer — 794,980 $0.00 $0
2026-03-02 COOPER BARRY D. Officer — 18,366 $0.00 $0
2026-03-02 SUN ANGELA Director — 20,921 $0.00 $0
2026-03-02 MURPHY TIMOTHY P. Director — 20,921 $0.00 $0
2026-03-02 CAMERON-DOE JULIE Director — 20,921 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
4,050.70
-3.78%
4,209.70
-3.38%
4,357.00
-2.65%
4,475.50
Operating Revenue
3,879.60
-3.66%
4,027.10
-3.15%
4,158.00
-7.09%
4,475.50
Cost Of Revenue
2,550.60
-2.67%
2,620.50
-1.92%
2,671.70
+1.72%
2,626.40
Reconciled Cost Of Revenue
2,550.60
-2.67%
2,620.50
-1.92%
2,671.70
+1.72%
2,626.40
Gross Profit
1,500.10
-5.61%
1,589.20
-5.70%
1,685.30
-8.86%
1,849.10
Operating Expense
742.80
-13.97%
863.40
-0.51%
867.80
-10.00%
964.20
Selling General And Administration
742.80
-13.97%
863.40
-0.51%
867.80
-10.00%
964.20
Total Expenses
3,293.40
-5.47%
3,483.90
-1.57%
3,539.50
-1.42%
3,590.60
Operating Income
757.30
+4.34%
725.80
-11.22%
817.50
-7.62%
884.90
Total Operating Income As Reported
757.30
+4.34%
725.80
-11.22%
817.50
-7.62%
884.90
EBITDA
934.10
+1.81%
917.50
-11.33%
1,034.70
-20.00%
1,293.40
Normalized EBITDA
934.10
+1.81%
917.50
-9.76%
1,016.70
-2.72%
1,045.10
Reconciled Depreciation
165.40
-7.65%
179.10
-2.45%
183.60
-0.11%
183.80
EBIT
768.70
+4.10%
738.40
-13.24%
851.10
-23.30%
1,109.60
Total Unusual Items
0.00
0.00
-100.00%
18.00
-92.75%
248.30
Total Unusual Items Excluding Goodwill
0.00
0.00
-100.00%
18.00
-92.75%
248.30
Special Income Charges
0.00
0.00
-100.00%
18.00
-92.75%
248.30
Net Income
499.60
-46.52%
934.20
+49.23%
626.00
-31.25%
910.60
Pretax Income
625.70
+1.15%
618.60
-17.06%
745.80
-26.06%
1,008.60
Net Non Operating Interest Income Expense
-135.10
-25.21%
-107.90
-20.29%
-89.70
-2.99%
-87.10
Interest Expense Non Operating
143.00
+19.37%
119.80
+13.77%
105.30
+4.26%
101.00
Net Interest Income
-135.10
-25.21%
-107.90
-20.29%
-89.70
-2.99%
-87.10
Interest Expense
143.00
+19.37%
119.80
+13.77%
105.30
+4.26%
101.00
Interest Income Non Operating
7.90
-33.61%
11.90
-23.72%
15.60
+12.23%
13.90
Interest Income
7.90
-33.61%
11.90
-23.72%
15.60
+12.23%
13.90
Other Income Expense
3.50
+400.00%
0.70
-96.11%
18.00
-91.46%
210.80
Other Non Operating Income Expenses
3.50
+400.00%
0.70
—
-37.50
Gain On Sale Of Business
0.00
0.00
-100.00%
18.00
-92.75%
248.30
Tax Provision
126.10
+139.96%
-315.60
-363.44%
119.80
+22.24%
98.00
Tax Rate For Calcs
0.00
-3.81%
0.00
+30.73%
0.00
+65.60%
0.00
Tax Effect Of Unusual Items
0.00
0.00
-100.00%
2.89
-88.00%
24.09
Net Income Including Noncontrolling Interests
499.60
-46.52%
934.20
+49.23%
626.00
-31.25%
910.60
Net Income From Continuing Operation Net Minority Interest
499.60
-46.52%
934.20
+49.23%
626.00
-31.25%
910.60
Net Income From Continuing And Discontinued Operation
499.60
-46.52%
934.20
+49.23%
626.00
-31.25%
910.60
Net Income Continuous Operations
499.60
-46.52%
934.20
+49.23%
626.00
-31.25%
910.60
Normalized Income
499.60
-46.52%
934.20
+52.92%
610.89
-11.00%
686.39
Net Income Common Stockholders
499.60
-46.52%
934.20
+49.23%
626.00
-31.25%
910.60
Diluted EPS
1.52
-44.53%
2.74
+63.10%
1.68
-28.21%
2.34
Basic EPS
1.53
-44.36%
2.75
+62.72%
1.69
-28.09%
2.35
Basic Average Shares
326.60
-3.94%
340.00
-8.31%
370.80
-4.24%
387.20
Diluted Average Shares
327.60
-3.96%
341.10
-8.26%
371.80
-4.27%
388.40
Diluted NI Availto Com Stockholders
499.60
-46.52%
934.20
+49.23%
626.00
-31.25%
910.60
Earnings From Equity Interest
—
—
—
—
Line Item Trend 2023-12-31
Total Assets
8,198.80
Current Assets
1,559.80
Cash Cash Equivalents And Short Term Investments
1,268.60
Cash And Cash Equivalents
1,268.60
Other Short Term Investments
1,458.10
Receivables
1,732.90
Accounts Receivable
1,732.90
Gross Accounts Receivable
1,748.30
Allowance For Doubtful Accounts Receivable
-15.40
Prepaid Assets
280.40
Assets Held For Sale Current
0.00
Hedging Assets Current
10.80
Other Current Assets
—
Total Non Current Assets
6,639.00
Net PPE
218.00
Gross PPE
656.80
Accumulated Depreciation
-438.80
Properties
0.00
Machinery Furniture Equipment
35.20
Construction In Progress
—
Other Properties
500.00
Leases
121.60
Goodwill And Other Intangible Assets
2,414.80
Goodwill
2,034.60
Other Intangible Assets
380.20
Investments And Advances
210.40
Long Term Equity Investment
41.20
Other Investments
169.20
Non Current Deferred Assets
0.00
Non Current Deferred Taxes Assets
0.00
Other Non Current Assets
3,795.80
Total Liabilities Net Minority Interest
7,719.80
Current Liabilities
1,524.30
Payables And Accrued Expenses
1,112.50
Payables
1,112.50
Accounts Payable
453.00
Other Payable
3,687.00
Current Accrued Expenses
2.30
Total Tax Payable
659.50
Income Tax Payable
659.50
Current Debt And Capital Lease Obligation
—
Current Debt
364.90
Other Current Borrowings
500.00
Other Current Liabilities
46.90
Total Non Current Liabilities Net Minority Interest
6,195.50
Liabilities Heldfor Sale Non Current
—
Long Term Debt And Capital Lease Obligation
2,302.00
Long Term Debt
2,139.70
Long Term Capital Lease Obligation
162.30
Non Current Deferred Liabilities
147.60
Non Current Deferred Revenue
0.00
Non Current Deferred Taxes Liabilities
147.60
Other Non Current Liabilities
3,728.50
Stockholders Equity
479.00
Common Stock Equity
479.00
Capital Stock
3.50
Common Stock
3.50
Preferred Stock
0.00
Share Issued
350.50
Ordinary Shares Number
350.50
Treasury Shares Number
0.00
Additional Paid In Capital
1,031.90
Retained Earnings
-389.10
Gains Losses Not Affecting Retained Earnings
-167.30
Other Equity Adjustments
-167.30
Total Equity Gross Minority Interest
479.00
Total Capitalization
2,618.70
Working Capital
35.50
Invested Capital
2,983.60
Total Debt
2,666.90
Net Debt
1,236.00
Capital Lease Obligations
162.30
Net Tangible Assets
-1,935.80
Tangible Book Value
-1,935.80
Commercial Paper
364.90
Derivative Product Liabilities
17.40
Financial Assets
—
Line Of Credit
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
543.70
+33.82%
406.30
-48.12%
783.10
+34.65%
581.60
Cash Flow From Continuing Operating Activities
543.70
+33.82%
406.30
-48.12%
783.10
+34.65%
581.60
Net Income From Continuing Operations
499.60
-46.52%
934.20
+49.23%
626.00
-31.25%
910.60
Depreciation Amortization Depletion
165.40
-7.65%
179.10
-2.45%
183.60
-0.11%
183.80
Depreciation
35.20
-5.88%
37.40
-4.35%
39.10
-8.43%
42.70
Amortization Cash Flow
130.20
-8.12%
141.70
-1.94%
144.50
+2.41%
141.10
Depreciation And Amortization
165.40
-7.65%
179.10
-2.45%
183.60
-0.11%
183.80
Amortization Of Intangibles
130.20
-8.12%
141.70
-1.94%
144.50
+2.41%
141.10
Other Non Cash Items
124.80
+1.05%
123.50
+8.43%
113.90
-1.30%
115.40
Pension And Employee Benefit Expense
—
—
0.00
0.00
Deferred Tax
34.90
+114.03%
-248.80
-2161.82%
-11.00
+58.80%
-26.70
Deferred Income Tax
34.90
+114.03%
-248.80
-2161.82%
-11.00
+58.80%
-26.70
Operating Gains Losses
—
—
-18.00
+92.94%
-254.80
Change In Working Capital
-281.00
+51.69%
-581.70
-422.17%
-111.40
+67.87%
-346.70
Change In Payables And Accrued Expense
-236.70
+46.33%
-441.00
-387.29%
-90.50
+17.80%
-110.10
Change In Payable
-236.70
+46.33%
-441.00
-387.29%
-90.50
+17.80%
-110.10
Change In Account Payable
-39.40
+15.09%
-46.40
-107.14%
-22.40
-152.58%
42.60
Change In Other Current Assets
-45.00
+64.20%
-125.70
-246.28%
-36.30
+82.65%
-209.20
Change In Other Current Liabilities
0.70
+104.67%
-15.00
-197.40%
15.40
+156.20%
-27.40
Investing Cash Flow
-230.30
-1312.88%
-16.30
+88.42%
-140.80
-126.79%
525.50
Cash Flow From Continuing Investing Activities
-230.30
-1312.88%
-16.30
+88.42%
-140.80
-126.79%
525.50
Net PPE Purchase And Sale
-38.50
-2.94%
-37.40
-63.32%
-22.90
+28.21%
-31.90
Purchase Of PPE
-38.50
-2.94%
-37.40
-63.32%
-22.90
+28.21%
-31.90
Capital Expenditure
-150.80
-15.47%
-130.60
+11.64%
-147.80
+29.01%
-208.20
Capital Expenditure Reported
-27.30
-131.36%
-11.80
+67.58%
-36.40
+49.37%
-71.90
Net Investment Purchase And Sale
-70.30
-154.29%
129.50
+1110.28%
10.70
+106.26%
-171.00
Purchase Of Investment
-256.30
+35.39%
-396.70
+19.91%
-495.30
+68.25%
-1,560.00
Sale Of Investment
186.00
-64.65%
526.20
+3.99%
506.00
-63.57%
1,389.00
Net Business Purchase And Sale
—
0.00
0.00
-100.00%
887.20
Purchase Of Business
—
—
0.00
0.00
Gain Loss On Sale Of Business
0.00
0.00
+100.00%
-18.00
+92.94%
-254.80
Net Intangibles Purchase And Sale
-85.00
-4.42%
-81.40
+8.02%
-88.50
+15.23%
-104.40
Purchase Of Intangibles
-85.00
-4.42%
-81.40
+8.02%
-88.50
+15.23%
-104.40
Net Other Investing Changes
-9.20
+39.47%
-15.20
-310.81%
-3.70
-121.14%
17.50
Financing Cash Flow
-782.60
-1029.29%
-69.30
+92.27%
-896.80
+23.83%
-1,177.30
Cash Flow From Continuing Financing Activities
-782.60
-1029.29%
-69.30
+92.27%
-896.80
+23.83%
-1,177.30
Net Issuance Payments Of Debt
-78.90
-118.21%
433.20
+476.37%
-115.10
+70.86%
-395.00
Issuance Of Debt
29.10
-96.35%
798.10
0.00
0.00
Repayment Of Debt
-500.00
0.00
+100.00%
-300.00
+0.00%
-300.00
Long Term Debt Issuance
29.10
-96.35%
798.10
0.00
0.00
Long Term Debt Payments
-500.00
0.00
+100.00%
-300.00
+0.00%
-300.00
Net Long Term Debt Issuance
-470.90
-159.00%
798.10
+366.03%
-300.00
+0.00%
-300.00
Net Short Term Debt Issuance
392.00
+207.43%
-364.90
-297.35%
184.90
+294.63%
-95.00
Net Common Stock Issuance
-234.60
-25.99%
-186.20
+39.62%
-308.40
+16.63%
-369.90
Common Stock Payments
-234.60
-25.99%
-186.20
+39.62%
-308.40
+16.63%
-369.90
Common Stock Dividend Paid
-309.00
+3.89%
-321.50
+7.88%
-349.00
+4.17%
-364.20
Cash Dividends Paid
-309.00
+3.89%
-321.50
+7.88%
-349.00
+4.17%
-364.20
Repurchase Of Capital Stock
-234.60
-25.99%
-186.20
+39.62%
-308.40
+16.63%
-369.90
Proceeds From Stock Option Exercised
0.00
0.00
-100.00%
0.20
-97.89%
9.50
Net Other Financing Charges
-160.10
-3178.85%
5.20
+104.18%
-124.50
-115.77%
-57.70
Changes In Cash
-469.20
-246.30%
320.70
+226.01%
-254.50
-262.54%
-70.20
Beginning Cash Position
2,106.90
+17.95%
1,786.20
-12.47%
2,040.70
-3.33%
2,110.90
End Cash Position
1,637.70
-22.27%
2,106.90
+17.95%
1,786.20
-12.47%
2,040.70
Free Cash Flow
392.90
+42.51%
275.70
-56.60%
635.30
+70.14%
373.40
Interest Paid Supplemental Data
147.50
+29.39%
114.00
+11.33%
102.40
+5.35%
97.20
Income Tax Paid Supplemental Data
295.70
-8.99%
324.90
+64.59%
197.40
-29.45%
279.80
Change In Income Tax Payable
-197.30
+50.00%
-394.60
-479.44%
-68.10
+55.40%
-152.70
Change In Tax Payable
-197.30
+50.00%
-394.60
-479.44%
-68.10
+55.40%
-152.70
Sale Of Business
—
0.00
0.00
-100.00%
887.20
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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