WESTERN UNION CO (WU) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:WU • US9598021098

10.11 USD
+0.13 (+1.3%)
At close: Feb 10, 2026
10.13 USD
+0.02 (+0.2%)
After Hours: 2/10/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall WU gets a fundamental rating of 5 out of 10. We evaluated WU against 96 industry peers in the Financial Services industry. WU has an excellent profitability rating, but there are concerns on its financial health. WU is cheap, but on the other hand it scores bad on growth. Finally WU also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • WU had positive earnings in the past year.
  • In the past year WU had a positive cash flow from operations.
  • WU had positive earnings in each of the past 5 years.
  • WU had a positive operating cash flow in each of the past 5 years.
WU Yearly Net Income VS EBIT VS OCF VS FCFWU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

  • WU's Return On Assets of 9.90% is amongst the best of the industry. WU outperforms 89.58% of its industry peers.
  • WU has a better Return On Equity (83.30%) than 97.92% of its industry peers.
  • WU has a better Return On Invested Capital (9.47%) than 80.21% of its industry peers.
  • WU had an Average Return On Invested Capital over the past 3 years of 9.80%. This is in line with the industry average of 8.59%.
Industry RankSector Rank
ROA 9.9%
ROE 83.3%
ROIC 9.47%
ROA(3y)9.84%
ROA(5y)9.3%
ROE(3y)139.23%
ROE(5y)208.46%
ROIC(3y)9.8%
ROIC(5y)10.63%
WU Yearly ROA, ROE, ROICWU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -1K -2K

1.3 Margins

  • The Profit Margin of WU (18.80%) is better than 72.92% of its industry peers.
  • In the last couple of years the Profit Margin of WU has grown nicely.
  • WU has a better Operating Margin (18.29%) than 64.58% of its industry peers.
  • WU's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 37.40%, WU is in line with its industry, outperforming 54.17% of the companies in the same industry.
  • WU's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 18.29%
PM (TTM) 18.8%
GM 37.4%
OM growth 3Y-6.29%
OM growth 5Y3.95%
PM growth 3Y11.78%
PM growth 5Y2.1%
GM growth 3Y-3.75%
GM growth 5Y-1.35%
WU Yearly Profit, Operating, Gross MarginsWU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • WU has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, WU has less shares outstanding
  • The number of shares outstanding for WU has been reduced compared to 5 years ago.
  • WU has a worse debt/assets ratio than last year.
WU Yearly Shares OutstandingWU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
WU Yearly Total Debt VS Total AssetsWU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

  • Based on the Altman-Z score of 1.08, we must say that WU is in the distress zone and has some risk of bankruptcy.
  • WU's Altman-Z score of 1.08 is fine compared to the rest of the industry. WU outperforms 60.42% of its industry peers.
  • The Debt to FCF ratio of WU is 6.10, which is on the high side as it means it would take WU, 6.10 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 6.10, WU is doing good in the industry, outperforming 62.50% of the companies in the same industry.
  • WU has a Debt/Equity ratio of 2.10. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.10, WU is doing worse than 66.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.1
Debt/FCF 6.1
Altman-Z 1.08
ROIC/WACC1.19
WACC7.98%
WU Yearly LT Debt VS Equity VS FCFWU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.77 indicates that WU may have some problems paying its short term obligations.
  • WU's Current ratio of 0.77 is in line compared to the rest of the industry. WU outperforms 42.71% of its industry peers.
  • A Quick Ratio of 0.77 indicates that WU may have some problems paying its short term obligations.
  • WU's Quick ratio of 0.77 is in line compared to the rest of the industry. WU outperforms 42.71% of its industry peers.
Industry RankSector Rank
Current Ratio 0.77
Quick Ratio 0.77
WU Yearly Current Assets VS Current LiabilitesWU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for WU have decreased by -1.16% in the last year.
  • WU shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.23% yearly.
  • Looking at the last year, WU shows a decrease in Revenue. The Revenue has decreased by -2.46% in the last year.
  • The Revenue has been decreasing by -4.47% on average over the past years.
EPS 1Y (TTM)-1.16%
EPS 3Y-7.2%
EPS 5Y0.23%
EPS Q2Q%2.17%
Revenue 1Y (TTM)-2.46%
Revenue growth 3Y-6.02%
Revenue growth 5Y-4.47%
Sales Q2Q%-0.33%

3.2 Future

  • Based on estimates for the next years, WU will show a small growth in Earnings Per Share. The EPS will grow by 1.16% on average per year.
  • The Revenue is expected to grow by 1.03% on average over the next years.
EPS Next Y2.03%
EPS Next 2Y2.45%
EPS Next 3Y3.52%
EPS Next 5Y1.16%
Revenue Next Year-2.12%
Revenue Next 2Y-0.68%
Revenue Next 3Y-0.19%
Revenue Next 5Y1.03%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
WU Yearly Revenue VS EstimatesWU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B 4B 5B
WU Yearly EPS VS EstimatesWU Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5 2

More info and screens

Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • WU is valuated cheaply with a Price/Earnings ratio of 5.95.
  • Based on the Price/Earnings ratio, WU is valued cheaply inside the industry as 91.67% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 28.03. WU is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 5.50, the valuation of WU can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, WU is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
  • WU is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.95
Fwd PE 5.5
WU Price Earnings VS Forward Price EarningsWU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WU indicates a rather cheap valuation: WU is cheaper than 89.58% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, WU is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.56
EV/EBITDA 5.19
WU Per share dataWU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WU does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of WU may justify a higher PE ratio.
PEG (NY)2.93
PEG (5Y)25.84
EPS Next 2Y2.45%
EPS Next 3Y3.52%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 9.70%, WU is a good candidate for dividend investing.
  • WU's Dividend Yield is rather good when compared to the industry average which is at 2.03. WU pays more dividend than 96.88% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, WU pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.7%

5.2 History

  • The dividend of WU has a limited annual growth rate of 3.31%.
  • WU has been paying a dividend for at least 10 years, so it has a reliable track record.
  • WU has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.31%
Div Incr Years0
Div Non Decr Years18
WU Yearly Dividends per shareWU Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • WU pays out 40.76% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of WU is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.76%
EPS Next 2Y2.45%
EPS Next 3Y3.52%
WU Yearly Income VS Free CF VS DividendWU Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B
WU Dividend Payout.WU Dividend Payout, showing the Payout Ratio.WU Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

WESTERN UNION CO

NYSE:WU (2/10/2026, 8:04:00 PM)

After market: 10.13 +0.02 (+0.2%)

10.11

+0.13 (+1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-23
Earnings (Next)02-20
Inst Owners104.11%
Inst Owner Change2.6%
Ins Owners0.46%
Ins Owner Change2.82%
Market Cap3.21B
Revenue(TTM)4.10B
Net Income(TTM)770.90M
Analysts48.46
Price Target10.42 (3.07%)
Short Float %13.99%
Short Ratio5.82
Dividend
Industry RankSector Rank
Dividend Yield 9.7%
Yearly Dividend0.93
Dividend Growth(5Y)3.31%
DP40.76%
Div Incr Years0
Div Non Decr Years18
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.88%
Min EPS beat(2)-7.76%
Max EPS beat(2)6%
EPS beat(4)1
Avg EPS beat(4)-2.55%
Min EPS beat(4)-7.76%
Max EPS beat(4)6%
EPS beat(8)3
Avg EPS beat(8)-1.01%
EPS beat(12)6
Avg EPS beat(12)3.33%
EPS beat(16)9
Avg EPS beat(16)5.72%
Revenue beat(2)0
Avg Revenue beat(2)-3.34%
Min Revenue beat(2)-4.55%
Max Revenue beat(2)-2.12%
Revenue beat(4)1
Avg Revenue beat(4)-2.6%
Min Revenue beat(4)-4.55%
Max Revenue beat(4)0.21%
Revenue beat(8)2
Avg Revenue beat(8)-1.78%
Revenue beat(12)5
Avg Revenue beat(12)-0.31%
Revenue beat(16)5
Avg Revenue beat(16)-1%
PT rev (1m)1.35%
PT rev (3m)4.66%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)0.26%
EPS NY rev (1m)0.01%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)-0.09%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-0.09%
Valuation
Industry RankSector Rank
PE 5.95
Fwd PE 5.5
P/S 0.78
P/FCF 7.56
P/OCF 5.93
P/B 3.47
P/tB N/A
EV/EBITDA 5.19
EPS(TTM)1.7
EY16.82%
EPS(NY)1.84
Fwd EY18.17%
FCF(TTM)1.34
FCFY13.23%
OCF(TTM)1.71
OCFY16.88%
SpS12.9
BVpS2.91
TBVpS-4.8
PEG (NY)2.93
PEG (5Y)25.84
Graham Number10.55
Profitability
Industry RankSector Rank
ROA 9.9%
ROE 83.3%
ROCE 11.45%
ROIC 9.47%
ROICexc 11.04%
ROICexgc N/A
OM 18.29%
PM (TTM) 18.8%
GM 37.4%
FCFM 10.37%
ROA(3y)9.84%
ROA(5y)9.3%
ROE(3y)139.23%
ROE(5y)208.46%
ROIC(3y)9.8%
ROIC(5y)10.63%
ROICexc(3y)12.09%
ROICexc(5y)13.01%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)12.02%
ROCE(5y)13.02%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y-11.63%
ROICexc growth 5Y-2.69%
OM growth 3Y-6.29%
OM growth 5Y3.95%
PM growth 3Y11.78%
PM growth 5Y2.1%
GM growth 3Y-3.75%
GM growth 5Y-1.35%
F-Score5
Asset Turnover0.53
Health
Industry RankSector Rank
Debt/Equity 2.1
Debt/FCF 6.1
Debt/EBITDA 2.12
Cap/Depr 70.26%
Cap/Sales 2.86%
Interest Coverage 5.89
Cash Conversion 59.14%
Profit Quality 55.14%
Current Ratio 0.77
Quick Ratio 0.77
Altman-Z 1.08
F-Score5
WACC7.98%
ROIC/WACC1.19
Cap/Depr(3y)67.05%
Cap/Depr(5y)58.3%
Cap/Sales(3y)2.81%
Cap/Sales(5y)2.47%
Profit Quality(3y)62.33%
Profit Quality(5y)81.9%
High Growth Momentum
Growth
EPS 1Y (TTM)-1.16%
EPS 3Y-7.2%
EPS 5Y0.23%
EPS Q2Q%2.17%
EPS Next Y2.03%
EPS Next 2Y2.45%
EPS Next 3Y3.52%
EPS Next 5Y1.16%
Revenue 1Y (TTM)-2.46%
Revenue growth 3Y-6.02%
Revenue growth 5Y-4.47%
Sales Q2Q%-0.33%
Revenue Next Year-2.12%
Revenue Next 2Y-0.68%
Revenue Next 3Y-0.19%
Revenue Next 5Y1.03%
EBIT growth 1Y0.23%
EBIT growth 3Y-11.93%
EBIT growth 5Y-0.7%
EBIT Next Year23.36%
EBIT Next 3Y7.9%
EBIT Next 5Y3.35%
FCF growth 1Y-5.05%
FCF growth 3Y-32.58%
FCF growth 5Y-19.17%
OCF growth 1Y-6.14%
OCF growth 3Y-27.02%
OCF growth 5Y-14.98%

WESTERN UNION CO / WU FAQ

Can you provide the ChartMill fundamental rating for WESTERN UNION CO?

ChartMill assigns a fundamental rating of 5 / 10 to WU.


Can you provide the valuation status for WESTERN UNION CO?

ChartMill assigns a valuation rating of 8 / 10 to WESTERN UNION CO (WU). This can be considered as Undervalued.


Can you provide the profitability details for WESTERN UNION CO?

WESTERN UNION CO (WU) has a profitability rating of 7 / 10.


What are the PE and PB ratios of WESTERN UNION CO (WU) stock?

The Price/Earnings (PE) ratio for WESTERN UNION CO (WU) is 5.95 and the Price/Book (PB) ratio is 3.47.


How sustainable is the dividend of WESTERN UNION CO (WU) stock?

The dividend rating of WESTERN UNION CO (WU) is 8 / 10 and the dividend payout ratio is 40.76%.