WU Stock Analysis: Western Union | NYSE
Credit Services | NYSE, USA | Market Cap: 1.902m USD | 12M Return: -14.2% | US9598021098 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 51.9M
EPS Trend: -60.3%
Qual. Beats: -2
Rev. Trend: -97.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 is a global provider of cross-border money movement, payment, and digital financial services, headquartered in Denver, Colorado and founded in 1851. It operates through two business segments: Consumer Money Transfer, which facilitates international and intra-country transfers through a global network of retail agents, owned locations, and digital channels, and Consumer Services, which offers bill payments, money orders, prepaid cards, check acceptance, and digital wallets.
Within the Transaction & Payment Processing Services sub-industry of the Financials sector, Western Union is distinguished by its hybrid distribution model that combines a worldwide brick-and-mortar agent network with online and mobile platforms. The cross-border remittance market in which it operates is largely driven by migrant populations sending funds to their home countries, a service category where traditional money transfer operators continue to compete alongside emerging digital-only fintech providers.
- Cross-border remittance volume growth in key US corridors
- Interest income on cash float benefits from elevated rates
- Digital rivals like Remitly and Wise pressure retail agent pricing
| 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 October 18, 2026, the stock is trading at USD 6.17 with a total of 6,822,939 shares traded. Over the past week, the price has changed by +0.82%, over one month by -5.66%, over three months by -23.39% and over the past year by -14.18%.
Current recommended Stop Loss: 5.70 (which is 7.6% or 2.5 ATR below the current price).
Western Union has received a consensus analysts rating of 2.39. Therefore, it is recommended to sell WU.
- StrongBuy: 0
- Buy: 1
- Hold: 10
- Sell: 2
- StrongSell: 5
| Analysts Target Price | 6.8 | 10.2% |
P/E Trailing = 4.9593
P/E Forward = 3.879
P/S = 0.4713
P/B = 2.0765
P/EG = 10.2078
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 = 2.03b USD (1.90b + Debt 2.92b - CCE 2.79b)
Interest Coverage Ratio = 1.85 (Ebit TTM 653.8m / Interest Expense TTM 353.0m)
EV/FCF = 5.05x (Enterprise Value 2.03b / FCF TTM 402.6m)
FCF Yield = 19.81% (FCF TTM 402.6m / Enterprise Value 2.03b)
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 = 0.26 (Enterprise Value 2.03b / 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 = 8.87% (E(1.90b)/V(4.83b) * Re(7.95%) + D(2.92b)/V(4.83b) * 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 73.86% ; FCFF base≈400.0m ; Y1≈407.2m ; Y5≈443.4m
[DCF] Fair Price = 19.83 (EV 6.31b - Net Debt 129.8m = Equity 6.18b / Shares 311.9m; r=8.87% [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=-2.32% | Revisions=-57% | Analysts=17
EPS current Year (2026-12-31): EPS=1.28 | Chg30d=-1.21% | Revisions=-57% | GrowthEPS=-27.0% | GrowthRev=+0.8%
EPS next Year (2027-12-31): EPS=1.50 | Chg30d=-0.56% | Revisions=-17% | GrowthEPS=+17.7% | GrowthRev=+6.5%
[Analyst] Revisions Ratio: -64% (up=1, down=10)