(WU) Western Union - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US9598021098

Money Transfer, Bill Payment, Money Order, Prepaid Card, Digital Wallet

Transaction & Payment Processing Services
Market Cap in USD: 2,971m

IPO / Inception: 2006-10-02
12m vs SPY: -18.4%

EPS (Earnings per Share)

EPS CAGR: -49.39%
EPS Trend: -44.6%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: -5.66%
Rev. Trend: -78.8%

Last SUE: 0.26
Qual. Beats: 0

Dividends

Dividend Yield	10.32%
Yield on Cost 5y	6.18%
Yield CAGR 5y	0.00%
Payout Consistency	98.6%
Payout Ratio	55.3%

Risk via 5d forecast
Volatility	30.4%
Value at Risk 5%th	46.6%
Relative Tail Risk	-6.73%

Reward TTM
Sharpe Ratio	-0.01
Alpha	-16.72
CAGR/Max DD	-0.13

Character TTM
Hurst Exponent	0.443
Beta	0.709
Beta Downside	0.553

Drawdowns 3y
Max DD	36.69%
Mean DD	16.45%
Median DD	16.08%

Description: WU Western Union January 12, 2026

Western Union (NYSE:WU) operates two primary segments: Consumer Money Transfer, which moves funds internationally and domestically via a global network of agents, websites, and mobile apps; and Consumer Services, which adds bill-pay, money-order, foreign-exchange, prepaid-card, lending-partner, and digital-wallet offerings. Founded in 1851 and headquartered in Denver, the firm remains a legacy player in the transaction-and-payment processing space.

Key quantitative signals (FY 2023 – FY 2024) that may affect valuation include: ① Transaction volume grew ~4% YoY to $150 billion, driven by modest recovery in migrant remittances; ② Revenue from digital-wallet and prepaid-card services rose ~12% YoY, reflecting higher consumer adoption of fintech alternatives; ③ Operating margin compressed to 15.2% as foreign-exchange (FX) spreads narrowed amid a stronger U.S. dollar, a macro driver that can erode fee income if the trend persists. These metrics suggest the business is transitioning from legacy cash-based transfers to higher-margin digital services, but the pace of that shift remains uncertain.

If you want a data-rich, scenario-based assessment of Western Union’s cash-flow outlook, ValueRay’s model provides granular inputs that can help you stress-test these drivers.

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (770.9m TTM) > 0 and > 6% of Revenue (6% = 246.0m TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA -0.49pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 7.65% (prev -12.73%; Δ 20.37pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.07 (>3.0%) and CFO 542.3m <= Net Income 770.9m (YES >=105%, WARN >=100%)

Net Debt (1.22b) to EBITDA (923.1m) ratio: 1.32 <= 3.0 (WARN <= 3.5)

Current Ratio 1.08 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (330.5m) change vs 12m ago -2.65% (target <= -2.0% for YES)

Gross Margin 37.40% (prev 37.80%; Δ -0.40pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 53.05% (prev 54.77%; Δ -1.72pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.75 (EBITDA TTM 923.1m / Interest Expense TTM 275.3m) >= 6 (WARN >= 3)

Altman Z'' 0.88

(A) 0.04 = (Total Current Assets 4.22b - Total Current Liabilities 3.90b) / Total Assets 7.78b

(B) -0.00 = Retained Earnings (Balance) -24.4m / Total Assets 7.78b

(D) -0.03 = Book Value of Equity -177.4m / Total Liabilities 6.86b

Total Rating: 0.88 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 61.93

1. Piotroski 3.0pt

2. FCF Yield 8.27%

3. FCF Margin 9.31%

4. Debt/Equity 2.80

5. Debt/Ebitda 1.32

6. ROIC - WACC (= 9.85)%

7. RoE 82.95%

8. Rev. Trend -78.84%

9. EPS Trend -44.63%

What is the price of WU shares?

As of January 14, 2026, the stock is trading at USD 9.20 with a total of 7,775,278 shares traded.
Over the past week, the price has changed by -5.06%, over one month by -1.65%, over three months by +15.87% and over the past year by -1.45%.

Is WU a buy, sell or hold?

Western Union has received a consensus analysts rating of 2.70. Therefor, it is recommend to hold WU.

Strong Buy: 2
Buy: 0
Hold: 11
Sell: 4
Strong Sell: 3

What are the forecasts/targets for the WU price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	9.8	6%
Analysts Target Price	9.8	6%
ValueRay Target Price	10.6	14.8%

WU Fundamental Data Overview January 14, 2026

P/E Trailing = 4.0
P/E Forward = 5.1099
P/S = 0.7246
P/B = 3.1599
P/EG = 2.3704
Beta = 0.535
Revenue TTM = 4.10b USD
EBIT TTM = 756.3m USD
EBITDA TTM = 923.1m USD
Long Term Debt = 2.44b USD (from longTermDebt, last quarter)
Short Term Debt = 149.7m USD (from shortTermDebt, last quarter)
Debt = 2.59b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.22b USD (from netDebt column, last quarter)
Enterprise Value = 4.62b USD (2.97b + Debt 2.59b - CCE 947.8m)
Interest Coverage Ratio = 2.75 (Ebit TTM 756.3m / Interest Expense TTM 275.3m)
EV/FCF = 12.09x (Enterprise Value 4.62b / FCF TTM 381.8m)
FCF Yield = 8.27% (FCF TTM 381.8m / Enterprise Value 4.62b)
FCF Margin = 9.31% (FCF TTM 381.8m / Revenue TTM 4.10b)
Net Margin = 18.80% (Net Income TTM 770.9m / Revenue TTM 4.10b)
Gross Margin = 37.40% ((Revenue TTM 4.10b - Cost of Revenue TTM 2.57b) / Revenue TTM)
Gross Margin QoQ = 37.71% (prev 37.36%)
Tobins Q-Ratio = 0.59 (Enterprise Value 4.62b / Total Assets 7.78b)
Interest Expense / Debt = 6.77% (Interest Expense 175.6m / Debt 2.59b)
Taxrate = 16.71% (28.0m / 167.6m)
NOPAT = 629.9m (EBIT 756.3m * (1 - 16.71%))
Current Ratio = 1.08 (Total Current Assets 4.22b / Total Current Liabilities 3.90b)
Debt / Equity = 2.80 (Debt 2.59b / totalStockholderEquity, last quarter 925.4m)
Debt / EBITDA = 1.32 (Net Debt 1.22b / EBITDA 923.1m)
Debt / FCF = 3.19 (Net Debt 1.22b / FCF TTM 381.8m)
Total Stockholder Equity = 929.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 9.97% (Net Income 770.9m / Total Assets 7.78b)
RoE = 82.95% (Net Income TTM 770.9m / Total Stockholder Equity 929.3m)
RoCE = 22.43% (EBIT 756.3m / Capital Employed (Equity 929.3m + L.T.Debt 2.44b))
RoIC = 17.04% (NOPAT 629.9m / Invested Capital 3.70b)
WACC = 7.18% (E(2.97b)/V(5.56b) * Re(8.53%) + D(2.59b)/V(5.56b) * Rd(6.77%) * (1-Tc(0.17)))
Discount Rate = 8.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.33%
[DCF Debug] Terminal Value 76.85% ; FCFF base≈394.8m ; Y1≈298.4m ; Y5≈180.4m
Fair Price DCF = 8.70 (EV 3.98b - Net Debt 1.22b = Equity 2.77b / Shares 317.8m; r=7.18% [WACC]; 5y FCF grow -28.96% → 2.90% )
EPS Correlation: -44.63 | EPS CAGR: -49.39% | SUE: -4.0 | # QB: 0
Revenue Correlation: -78.84 | Revenue CAGR: -5.66% | SUE: 0.26 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.41 | Chg30d=-0.000 | Revisions Net=-1 | Analysts=13
EPS next Year (2026-12-31): EPS=1.78 | Chg30d=-0.001 | Revisions Net=+0 | Growth EPS=+2.7% | Growth Revenue=+0.7%

Additional Sources for WU Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle