WU Stock Analysis: Western Union | NYSE
Credit Services | NYSE, USA | Market Cap: 2.324m USD | 12M Return: -4.8% | US9598021098 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 79.4M
EPS Trend: -60.3%
Qual. Beats: -2
Rev. Trend: -97.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
The Western Union Company (NYSE: WU) is a global provider of money movement, payment, and digital financial services, operating across the United States and international markets through two main segments: Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment handles cross-border and intra-country remittances primarily through a retail agent network, company-owned locations, and digital platforms (websites and mobile). The Consumer Services segment offers bill payment, money orders, media network services, travel money, check acceptance, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado, and it trades as a mid-cap stock within the Financials sector, specifically the Transaction & Payment Processing Services sub-industry. As one of the established money transfer operators in this sub-industry, Western Unions business model is distinguished by its reliance on a large third-party retail agent distribution network, a structural feature that differentiates traditional cross-border remittance providers from purely digital payment fintechs.
- Cross-border transfer volumes pressured by digital fintech competition
- Latin America corridor revenue sensitive to US immigration enforcement
- Settlement float income rises on elevated interest rates
| Net Income: 395.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 0.09 > 1.0 |
| NWC/Revenue: -85.02% < 20% (prev 6.65%; Δ -91.68% < -1%) |
| CFO/TA 0.08 > 3% & CFO 609.7m > Net Income 395.4m |
| Net Debt (129.8m) to EBITDA (833.1m): 0.16 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (313.6m) vs 12m ago -4.85% < -2% |
| Gross Margin: 32.97% > 18% (prev 37.20%; Δ -4.23% > 0.5%) |
| Asset Turnover: 50.58% > 50% (prev 51.40%; Δ -0.82% > 0%) |
| Interest Coverage Ratio: 1.85 > 6 (EBIT TTM 653.8m / Interest Expense TTM 353.0m) |
| A: -0.43 (Total Current Assets 919.8m - Total Current Liabilities 4.35b) / Total Assets 7.97b |
| B: -0.01 (Retained Earnings -83.8m / Total Assets 7.97b) |
| C: 0.08 (EBIT TTM 653.8m / Avg Total Assets 7.98b) |
| D: 0.13 (Book Value of Equity 914.7m / Total Liabilities 7.05b) |
| Altman-Z'' = -2.17 = D |
| DSRI: 0.99 (Receivables 1.50b/1.55b, Revenue 4.03b/4.10b) |
| GMI: 1.13 (GM 37.20% / 32.97%) |
| AQI: 1.99 (AQ_t 0.87 / AQ_t-1 0.44) |
| SGI: 0.98 (Revenue 4.03b / 4.10b) |
| TATA: -0.03 (NI 395.4m - CFO 609.7m) / TA 7.97b) |
| Beneish M = -2.35 (Cap -4..+1) = BBB |
As of August 19, 2026, the stock is trading at USD 7.21 with a total of 6,628,928 shares traded. Over the past week, the price has changed by +2.27%, over one month by -16.74%, over three months by -12.02% and over the past year by -4.84%.
Current recommended Stop Loss: 6.70 (which is 7.1% or 1.5 ATR below the current price).
Western Union has received a consensus analysts rating of 2.70. Therefore, it is recommended to hold WU.
- StrongBuy: 2
- Buy: 0
- Hold: 11
- Sell: 4
- StrongSell: 3
| Analysts Target Price | 7.1 | -1.7% |
P/E Trailing = 6.0081
P/E Forward = 5.1733
P/S = 0.5756
P/B = 2.5402
P/EG = 13.6148
Revenue TTM = 4.03b USD
EBIT TTM = 653.8m USD
EBITDA TTM = 833.1m USD
Long Term Debt = 2.45b USD (from longTermDebt, last quarter)
Short Term Debt = 245.1m USD (from shortTermDebt, last quarter)
Debt = 2.92b USD (from shortLongTermDebtTotal, last quarter) + Leases 225.7m
Net Debt = 129.8m USD (calculated: Debt 2.92b - CCE 2.79b)
Enterprise Value = 2.45b USD (2.32b + Debt 2.92b - CCE 2.79b)
Interest Coverage Ratio = 1.85 (Ebit TTM 653.8m / Interest Expense TTM 353.0m)
EV/FCF = 6.09x (Enterprise Value 2.45b / FCF TTM 402.6m)
FCF Yield = 16.41% (FCF TTM 402.6m / Enterprise Value 2.45b)
FCF Margin = 9.98% (FCF TTM 402.6m / Revenue TTM 4.03b)
Net Margin = 9.80% (Net Income TTM 395.4m / Revenue TTM 4.03b)
Gross Margin = 32.97% ((Revenue TTM 4.03b - Cost of Revenue TTM 2.70b) / Revenue TTM)
Gross Margin QoQ = 33.21% (prev 33.36%)
Tobins Q-Ratio = 0.31 (Enterprise Value 2.45b / Total Assets 7.97b)
Interest Expense / Debt = 12.08% (Interest Expense 353.0m / Debt 2.92b)
Taxrate = 21.58% (108.8m / 504.2m)
NOPAT = 512.7m (EBIT 653.8m * (1 - 21.58%))
Current Ratio = 0.21 (Total Current Assets 919.8m / Total Current Liabilities 4.35b)
Debt / Equity = 3.20 (Debt 2.92b / totalStockholderEquity, last quarter 914.7m)
Debt / EBITDA = 0.16 (Net Debt 129.8m / EBITDA 833.1m)
Debt / FCF = 0.32 (Net Debt 129.8m / FCF TTM 402.6m)
Total Stockholder Equity = 927.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 4.96% (Net Income 395.4m / Total Assets 7.97b)
RoE = 42.65% (Net Income TTM 395.4m / Total Stockholder Equity 927.1m)
RoCE = 19.35% (EBIT 653.8m / Capital Employed (Equity 927.1m + L.T.Debt 2.45b))
RoIC = 6.60% (NOPAT 512.7m / Invested Capital 7.77b)
WACC = 8.80% (E(2.32b)/V(5.25b) * Re(7.95%) + D(2.92b)/V(5.25b) * Rd(12.08%) * (1-Tc(0.22)))
Discount Rate = 7.95% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -94.91 | Cagr: -4.24%
[DCF] Terminal Value 74.11% ; FCFF base≈400.0m ; Y1≈407.2m ; Y5≈443.4m
[DCF] Fair Price = 20.07 (EV 6.39b - Net Debt 129.8m = Equity 6.26b / Shares 311.9m; r=8.80% [WACC]; 5y FCF grow 1.67% → 2.50% )
EPS Correlation: -60.31 | EPS CAGR: -3.24% | SUE: -2.18 | # QB: -2
Revenue Correlation: -97.78 | Revenue CAGR: -3.34% | SUE: -0.25 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.35 | Chg30d=-32.71% | Revisions=-81% | Analysts=16
EPS current Year (2026-12-31): EPS=1.29 | Chg30d=-25.74% | Revisions=-71% | GrowthEPS=-26.0% | GrowthRev=+1.9%
EPS next Year (2027-12-31): EPS=1.52 | Chg30d=-20.61% | Revisions=-71% | GrowthEPS=+17.2% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: -84% (up=2, down=39)