(WU) Western Union - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US9598021098
Stock: Money Transfer, Digital Payments, Bill Pay, Prepaid Cards
Total Rating 34
Risk 60
Buy Signal -0.40
| Risk 5d forecast | |
|---|---|
| Volatility | 27.7% |
| Relative Tail Risk | -6.05% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.19 |
| Alpha | -18.14 |
| Character TTM | |
|---|---|
| Beta | 0.651 |
| Beta Downside | 0.533 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.69% |
| CAGR/Max DD | 0.07 |
EPS (Earnings per Share)
Revenue
Description: WU Western Union March 05, 2026
Western Union (WU) provides money movement and digital financial services globally. The company operates through two segments: Consumer Money Transfer and Consumer Services.
The Consumer Money Transfer segment focuses on cross-border and intra-country money transfers. This is a core service in the remittances sector, which facilitates billions of dollars in transfers annually, often supporting developing economies. Transfers occur via retail agent networks, owned locations, websites, and mobile platforms.
The Consumer Services segment offers bill payment, money orders, media network services, travel money, check acceptance, prepaid cards, lending partnerships, and digital wallets. This segment diversifies revenue streams beyond traditional money transfer, tapping into broader financial service needs. For deeper insights into WUs competitive landscape and financial performance, further research on platforms like ValueRay is recommended.
Headlines to watch out for
- Digital money transfer growth boosts transaction volume
- Regulatory changes impact compliance costs and fees
- Global economic slowdown reduces remittance demand
- Agent network expansion drives market penetration
- Competition from fintechs pressures pricing and market share
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 499.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 1.44 > 1.0 |
| NWC/Revenue: 28.65% < 20% (prev 25.76%; Δ 2.89% < -1%) |
| CFO/TA 0.07 > 3% & CFO 543.7m > Net Income 499.6m |
| Net Debt (-1.23b) to EBITDA (931.6m): -1.33 < 3 |
| Current Ratio: 16.52 > 1.5 & < 3 |
| Outstanding Shares: last quarter (318.9m) vs 12m ago -6.51% < -2% |
| Gross Margin: 34.92% > 18% (prev 0.38%; Δ 3.45k% > 0.5%) |
| Asset Turnover: 48.55% > 50% (prev 50.29%; Δ -1.74% > 0%) |
| Interest Coverage Ratio: 2.21 > 6 (EBITDA TTM 931.6m / Interest Expense TTM 346.6m) |
Altman Z'' 1.51
| A: 0.14 (Total Current Assets 1.23b - Total Current Liabilities 74.7m) / Total Assets 8.31b |
| B: -0.00 (Retained Earnings -11.5m / Total Assets 8.31b) |
| C: 0.09 (EBIT TTM 766.2m / Avg Total Assets 8.34b) |
| D: -0.02 (Book Value of Equity -159.6m / Total Liabilities 7.35b) |
| Altman-Z'' Score: 1.51 = BB |
Beneish M -2.01
| DSRI: 1.19 (Receivables 1.60b/1.40b, Revenue 4.05b/4.21b) |
| GMI: 1.08 (GM 34.92% / 37.75%) |
| AQI: 2.38 (AQ_t 0.84 / AQ_t-1 0.35) |
| SGI: 0.96 (Revenue 4.05b / 4.21b) |
| TATA: -0.01 (NI 499.6m - CFO 543.7m) / TA 8.31b) |
| Beneish M-Score: -2.01 (Cap -4..+1) = BB |
What is the price of WU shares?
As of March 21, 2026, the stock is trading at USD 9.02 with a total of 7,212,620 shares traded.
Over the past week, the price has changed by -2.95%, over one month by -0.23%, over three months by -0.76% and over the past year by -6.63%.
Over the past week, the price has changed by -2.95%, over one month by -0.23%, over three months by -0.76% and over the past year by -6.63%.
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.
- StrongBuy: 2
- Buy: 0
- Hold: 11
- Sell: 4
- StrongSell: 3
What are the forecasts/targets for the WU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 9.6 | 6.7% |
| Analysts Target Price | 9.6 | 6.7% |
WU Fundamental Data Overview March 17, 2026
P/E Trailing = 6.2697
P/E Forward = 5.3248
P/S = 0.7478
P/B = 3.1188
P/EG = 1.7836
Revenue TTM = 4.05b USD
EBIT TTM = 766.2m USD
EBITDA TTM = 931.6m USD
Long Term Debt = 2.44b USD (from longTermDebt, last quarter)
Short Term Debt = 434.9m USD (from shortLongTermDebt, last quarter)
Debt = 2.59b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -1.23b USD (from netDebt column, last quarter)
Enterprise Value = 4.39b USD (3.03b + Debt 2.59b - CCE 1.23b)
Interest Coverage Ratio = 2.21 (Ebit TTM 766.2m / Interest Expense TTM 346.6m)
EV/FCF = 11.17x (Enterprise Value 4.39b / FCF TTM 392.9m)
FCF Yield = 8.96% (FCF TTM 392.9m / Enterprise Value 4.39b)
FCF Margin = 9.71% (FCF TTM 392.9m / Revenue TTM 4.05b)
Net Margin = 12.34% (Net Income TTM 499.6m / Revenue TTM 4.05b)
Gross Margin = 34.92% ((Revenue TTM 4.05b - Cost of Revenue TTM 2.63b) / Revenue TTM)
Gross Margin QoQ = 27.50% (prev 37.71%)
Tobins Q-Ratio = 0.53 (Enterprise Value 4.39b / Total Assets 8.31b)
Interest Expense / Debt = 3.92% (Interest Expense 101.7m / Debt 2.59b)
Taxrate = 24.29% (36.7m / 151.1m)
NOPAT = 580.1m (EBIT 766.2m * (1 - 24.29%))
Current Ratio = 16.52 (Total Current Assets 1.23b / Total Current Liabilities 74.7m)
Debt / Equity = 2.71 (Debt 2.59b / totalStockholderEquity, last quarter 957.8m)
Debt / EBITDA = -1.33 (Net Debt -1.23b / EBITDA 931.6m)
Debt / FCF = -3.14 (Net Debt -1.23b / FCF TTM 392.9m)
Total Stockholder Equity = 926.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.99% (Net Income 499.6m / Total Assets 8.31b)
RoE = 53.92% (Net Income TTM 499.6m / Total Stockholder Equity 926.5m)
RoCE = 22.74% (EBIT 766.2m / Capital Employed (Equity 926.5m + L.T.Debt 2.44b))
RoIC = 15.77% (NOPAT 580.1m / Invested Capital 3.68b)
WACC = 5.85% (E(3.03b)/V(5.62b) * Re(8.31%) + D(2.59b)/V(5.62b) * Rd(3.92%) * (1-Tc(0.24)))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.02%
[DCF] Terminal Value 85.40% ; FCFF base≈346.0m ; Y1≈316.6m ; Y5≈280.7m
[DCF] Fair Price = 30.94 (EV 8.47b - Net Debt -1.23b = Equity 9.70b / Shares 313.5m; r=5.90% [WACC]; 5y FCF grow -10.62% → 2.90% )
EPS Correlation: -8.45 | EPS CAGR: -3.28% | SUE: 0.77 | # QB: 0
Revenue Correlation: -78.97 | Revenue CAGR: -3.63% | SUE: -2.24 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.45 | Chg7d=-0.001 | Chg30d=-0.003 | Revisions Net=-2 | Analysts=15
EPS current Year (2026-12-31): EPS=1.80 | Chg7d=-0.004 | Chg30d=+0.008 | Revisions Net=+2 | Growth EPS=+2.6% | Growth Revenue=+5.2%
EPS next Year (2027-12-31): EPS=1.93 | Chg7d=+0.002 | Chg30d=+0.025 | Revisions Net=+8 | Growth EPS=+7.2% | Growth Revenue=+4.8%
[Analyst] Revisions Ratio: -0.25 (3 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -7.6% (Discount Rate 8.3% - Earnings Yield 15.9%)
[Growth] Growth Spread = +11.2% (Analyst 3.5% - Implied -7.6%)
P/E Forward = 5.3248
P/S = 0.7478
P/B = 3.1188
P/EG = 1.7836
Revenue TTM = 4.05b USD
EBIT TTM = 766.2m USD
EBITDA TTM = 931.6m USD
Long Term Debt = 2.44b USD (from longTermDebt, last quarter)
Short Term Debt = 434.9m USD (from shortLongTermDebt, last quarter)
Debt = 2.59b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -1.23b USD (from netDebt column, last quarter)
Enterprise Value = 4.39b USD (3.03b + Debt 2.59b - CCE 1.23b)
Interest Coverage Ratio = 2.21 (Ebit TTM 766.2m / Interest Expense TTM 346.6m)
EV/FCF = 11.17x (Enterprise Value 4.39b / FCF TTM 392.9m)
FCF Yield = 8.96% (FCF TTM 392.9m / Enterprise Value 4.39b)
FCF Margin = 9.71% (FCF TTM 392.9m / Revenue TTM 4.05b)
Net Margin = 12.34% (Net Income TTM 499.6m / Revenue TTM 4.05b)
Gross Margin = 34.92% ((Revenue TTM 4.05b - Cost of Revenue TTM 2.63b) / Revenue TTM)
Gross Margin QoQ = 27.50% (prev 37.71%)
Tobins Q-Ratio = 0.53 (Enterprise Value 4.39b / Total Assets 8.31b)
Interest Expense / Debt = 3.92% (Interest Expense 101.7m / Debt 2.59b)
Taxrate = 24.29% (36.7m / 151.1m)
NOPAT = 580.1m (EBIT 766.2m * (1 - 24.29%))
Current Ratio = 16.52 (Total Current Assets 1.23b / Total Current Liabilities 74.7m)
Debt / Equity = 2.71 (Debt 2.59b / totalStockholderEquity, last quarter 957.8m)
Debt / EBITDA = -1.33 (Net Debt -1.23b / EBITDA 931.6m)
Debt / FCF = -3.14 (Net Debt -1.23b / FCF TTM 392.9m)
Total Stockholder Equity = 926.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.99% (Net Income 499.6m / Total Assets 8.31b)
RoE = 53.92% (Net Income TTM 499.6m / Total Stockholder Equity 926.5m)
RoCE = 22.74% (EBIT 766.2m / Capital Employed (Equity 926.5m + L.T.Debt 2.44b))
RoIC = 15.77% (NOPAT 580.1m / Invested Capital 3.68b)
WACC = 5.85% (E(3.03b)/V(5.62b) * Re(8.31%) + D(2.59b)/V(5.62b) * Rd(3.92%) * (1-Tc(0.24)))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.02%
[DCF] Terminal Value 85.40% ; FCFF base≈346.0m ; Y1≈316.6m ; Y5≈280.7m
[DCF] Fair Price = 30.94 (EV 8.47b - Net Debt -1.23b = Equity 9.70b / Shares 313.5m; r=5.90% [WACC]; 5y FCF grow -10.62% → 2.90% )
EPS Correlation: -8.45 | EPS CAGR: -3.28% | SUE: 0.77 | # QB: 0
Revenue Correlation: -78.97 | Revenue CAGR: -3.63% | SUE: -2.24 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.45 | Chg7d=-0.001 | Chg30d=-0.003 | Revisions Net=-2 | Analysts=15
EPS current Year (2026-12-31): EPS=1.80 | Chg7d=-0.004 | Chg30d=+0.008 | Revisions Net=+2 | Growth EPS=+2.6% | Growth Revenue=+5.2%
EPS next Year (2027-12-31): EPS=1.93 | Chg7d=+0.002 | Chg30d=+0.025 | Revisions Net=+8 | Growth EPS=+7.2% | Growth Revenue=+4.8%
[Analyst] Revisions Ratio: -0.25 (3 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -7.6% (Discount Rate 8.3% - Earnings Yield 15.9%)
[Growth] Growth Spread = +11.2% (Analyst 3.5% - Implied -7.6%)