(WU) Western Union - Overview
Stock: Money Transfer, Bill Payment, Money Order, Prepaid Card, Digital Wallet
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 10.32% |
| Yield on Cost 5y | 5.90% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 98.6% |
| Payout Ratio | 72.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 26.0% |
| Relative Tail Risk | -5.40% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.08 |
| Alpha | -11.81 |
| Character TTM | |
|---|---|
| Beta | 0.735 |
| Beta Downside | 0.558 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.69% |
| CAGR/Max DD | -0.11 |
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) 4.0
| Net Income: 770.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA -0.49 > 1.0 |
| NWC/Revenue: 7.65% < 20% (prev -12.73%; Δ 20.37% < -1%) |
| CFO/TA 0.07 > 3% & CFO 542.3m > Net Income 770.9m |
| Net Debt (1.22b) to EBITDA (923.1m): 1.32 < 3 |
| Current Ratio: 1.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (330.5m) vs 12m ago -2.65% < -2% |
| Gross Margin: 37.40% > 18% (prev 0.38%; Δ 3702 % > 0.5%) |
| Asset Turnover: 53.05% > 50% (prev 54.77%; Δ -1.72% > 0%) |
| Interest Coverage Ratio: 2.75 > 6 (EBITDA TTM 923.1m / Interest Expense TTM 275.3m) |
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 -24.4m / Total Assets 7.78b) |
| C: 0.10 (EBIT TTM 756.3m / Avg Total Assets 7.73b) |
| D: -0.03 (Book Value of Equity -177.4m / Total Liabilities 6.86b) |
| Altman-Z'' Score: 0.88 = B |
Beneish M -2.98
| DSRI: 0.97 (Receivables 1.39b/1.47b, Revenue 4.10b/4.20b) |
| GMI: 1.01 (GM 37.40% / 37.80%) |
| AQI: 1.08 (AQ_t 0.45 / AQ_t-1 0.41) |
| SGI: 0.98 (Revenue 4.10b / 4.20b) |
| TATA: 0.03 (NI 770.9m - CFO 542.3m) / TA 7.78b) |
| Beneish M-Score: -2.98 (Cap -4..+1) = A |
What is the price of WU shares?
Over the past week, the price has changed by +0.32%, over one month by -0.32%, over three months by +5.90% and over the past year by +1.47%.
Is WU a buy, sell or hold?
- 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 | 9.7 | 3.1% |
| Analysts Target Price | 9.7 | 3.1% |
| ValueRay Target Price | 10.6 | 12.3% |
WU Fundamental Data Overview February 04, 2026
P/E Forward = 5.2356
P/S = 0.7498
P/B = 3.2183
P/EG = 2.3704
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 = 4.72b USD (3.07b + Debt 2.59b - CCE 947.8m)
Interest Coverage Ratio = 2.75 (Ebit TTM 756.3m / Interest Expense TTM 275.3m)
EV/FCF = 12.36x (Enterprise Value 4.72b / FCF TTM 381.8m)
FCF Yield = 8.09% (FCF TTM 381.8m / Enterprise Value 4.72b)
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 = 0.61 (Enterprise Value 4.72b / 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 = 7.26% (E(3.07b)/V(5.67b) * Re(8.63%) + D(2.59b)/V(5.67b) * Rd(6.77%) * (1-Tc(0.17)))
Discount Rate = 8.63% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.33%
[DCF Debug] Terminal Value 76.49% ; FCFF base≈394.8m ; Y1≈298.4m ; Y5≈180.4m
Fair Price DCF = 8.49 (EV 3.92b - Net Debt 1.22b = Equity 2.70b / Shares 317.8m; r=7.26% [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=-2 | Analysts=13
EPS next Year (2026-12-31): EPS=1.79 | Chg30d=+0.007 | Revisions Net=-1 | Growth EPS=+3.2% | Growth Revenue=+0.8%