Western Union Company (The) (WU) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Western Union Company (The)

NYSE•Financial Services•Credit Services

$6.54-0.07(-0.01%)Pre-market

Market Cap

$1.96B

P/E

4.9x

P/S

0.5x

P/B

2.1x

The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents and owned locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, money order and media network services, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.

How this company scores

AverageMetricSide Score: 59/100

Strongest: Cash & Earnings Quality (24/25); weakest: Growth (5/25).

Profitability19/25

Growth5/25

Balance Sheet & Red Flags11/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsHigh ROECash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 4.9x5y range 3.1x – 10.4x

Currently near its 20-quarter median.

P/S · 0.5x5y range 0.5x – 1.7x

Currently below its 20-quarter median.

P/B · 2.1x5y range 2.1x – 22.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 8.7% — watch for continued compression, which may signal competitive or cost pressure.

Leverage Risk

Watch

D/E ratio of 2.7 is elevated. Watch for further debt accumulation.

Price & Volume

Market Cap $1.96B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $4.04B
Q. Revenue: $1.01B
TTM EBITDA: $903.10M
TTM Op. Income: $642.30M
Q. Op. Income: $132.10M
TTM Net Income: $395.40M
Q. Net Income: $76.70M
EPS: $0.25
Shares Out.: $312.80M

$4.04B in TTM revenue declined 1.6% YoY, reaching $1.01B last quarter. TTM EBITDA of $903.10M and TTM operating income of $642.30M show growth is flowing through to the bottom line. TTM net income of $395.40M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 6 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 17.9%
Op. Margin: 13.0%
Net Margin: 7.6%

Op. margin of 13.0% is down 5.7% YoY — costs are rising relative to revenue. Net margin at 7.6% Over the past year, operating margin is down 31% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 4.9x
P/S Ratio: 0.5x
P/B Ratio: 2.1x

At 4.9x P/E, the stock trades below typical market levels. P/S of 0.5x and P/B of 2.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 60% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $7.97B
Cash: $919.80M
Long-Term Debt: $2.51B
Book Value: $914.70M
D/E Ratio: 2.7
Debt/EBITDA: 13.8

With $7.97B in assets and $2.51B in long-term debt, D/E is 2.7and book value is $914.70M — elevated leverage, meaning significant financial risk in a downturn. Over the past year, debt/equity is down 3% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $104.90M
TTM Free Cash Flow: $565.40M
FCF Margin: 14.0%
FCF / Net Income: 1.4

TTM FCF of $565.40M on $104.90M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 22% — an improving trend.