The Western Union Company (WU) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Western Union operates as a global financial services provider, specializing in fund transfers and diverse payment solutions. The company's operations are divided into two main segments: Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer division enables individuals to send money to other individuals, primarily leveraging an extensive network of independent agents and sub-agents.
Is The Western Union Company stock overvalued or undervalued in 2026?
The Western Union Company (WU) trades at 6.3× earnings (P/E), below the median of the 321 financial services companies over $2bn in Kaplio's universe. At the decade median (7.7×) $8 (+23%); at its sector median (12.9×) $14 (+106%).
Kaplio overview: The Western Union Company
Market cap $2B · 52 weeks $6 – $10 (32% below the high) · P/E 6.3× · 2027 est. P/E 4.4× · Dividend 14.3% · Closing price, Nov 4 · accounts published Nov 4.
- Valuation: TTM P/E 6.3× (cheap).
- Business: ROE 36.3% (excellent).
- Balance sheet: Debt/Equity 3.24 (fragile).
- Earnings: 4 of 8 (uneven).
Where would it trade at its usual multiples?
At the decade median (7.7×) $8 (+23%); at its sector median (12.9×) $14 (+106%). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in financial services: 2 of 6 pass
- 5y revenue growth 1.1%, fails.
- Operating margin 19.4%, fails.
- FCF / Net Income 78.6%, fails.
- Debt / Equity 3.24, fails.
- ROE 36.3%, passes.
- P/E vs own 5y 6.3×, passes.
Against its peers (reference peers) — The Western Union Company: P/E 6.3×; EV/EBITDA 1.3×; ROIC 11.7%; $2.1B. Bread Financial Holdings, Inc. (P/E 8.3×; EV/EBITDA 4.3×; ROIC 6.9%; $4.0B), Enova International, Inc. (P/E 12.5×; EV/EBITDA 10.4×; ROIC 9.3%; $4.4B), Brighthouse Financial, Inc. (P/E 3.4×; EV/EBITDA —; ROIC 0.9%; $2.4B).
Expensive or cheap against its last 7 years?
P/E at each close: today 6.3× · median 7.7× · minimum 2.9× · maximum 14.8× · cheap below 6.2× · expensive above 10.7×. It has been cheaper than today only 30% of the time over its last 7 years.
Dividend
tight (only raised recently) · Yield (last 12 months) 14.3% · $0.94 per share in 2025 · 5-year growth +1% a year · Free cash flow coverage 1.4× (last three fiscal years) · With $1,000 invested today you'd collect $142.60 a year ($11.88 a month).
Profitability
| Return on Equity | 36.35% |
| Return on Invested Capital | 11.69% |
| Return on Assets | 4.13% |
| Gross Margin | 32.01% |
| Operating Margin | 14.52% |
| Net Margin | 8.32% |
Financial Health
| Debt / Equity | 0.00 |
| Current Ratio | 17.35 |
| Piotroski F-Score | 5 |
| Altman Z-Score | 1.13 |
Price Performance
| 1 month | +7.33% |
| 3 months | -6.92% |
| Year-to-date | -29.22% |
| 1 year | -25.70% |
| 3 years | -43.58% |
| 5 years | -63.61% |
| 10 years | -67.63% |
Dividend History
Paid in the last 12 months: $0.94 per share in 4 payments.
| Date | Amount |
|---|---|
| September 16, 2026 | $0.235 |
| June 16, 2026 | $0.235 |
| March 17, 2026 | $0.235 |
| December 22, 2025 | $0.235 |
| September 16, 2025 | $0.235 |
| June 16, 2025 | $0.235 |
| March 17, 2025 | $0.235 |
| December 23, 2024 | $0.235 |
| September 16, 2024 | $0.235 |
| June 14, 2024 | $0.235 |
Amounts adjusted for stock splits.
Related companies: ZION · WSFS · BHF · WSBC · NMIH · SF · ENVA · BFH
Explore sector: Financial Services · Financial - Credit Services
More sections of WU: Financials · Valuation · Estimates · Technical · Ownership
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