Valuation dashboard for The Western Union Company (WU) with P/E 6.28, P/B 2.31, EV/EBITDA 1.3 and dividend yield 14.26%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
Where would it trade at its usual multiples?
Versus its usual multiples: cheap · Current P/E 6.3× · Multiples range: $8.10 · $13.56.
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.
Analysis Summary
The Western Union Company reported revenue of $4.04B in the most recent fiscal year, growing at a 5-year CAGR of -3.5%. Net income reached $499.6M, with a -7.7% 5-year CAGR.
Trailing-twelve-month margins: gross margin 32.0%, operating margin 14.5%, net margin 8.3%.
At $6.59 (closing price, November 4, 2026), WU trades at a P/E of 6.28 and an ROE of 36.35%. Market capitalisation stands at $2.1B.
Balance sheet quality for WU: debt-to-equity ratio of 0.00, current ratio of 17.35 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 6.28 |
| Price / Book | 2.31 |
| EV / EBITDA | 1.3 |
| Dividend Yield | 14.26% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| WU | The Western Union Company | $2.1B | 6.28 | 2.31 | 36.3% |
| ZION | Zions Bancorporation, National Association | $9.7B | 8.17 | 1.26 | 16.2% |
| WSFS | WSFS Financial Corporation | $4.2B | 12.75 | 1.59 | 12.4% |
| BHF | Brighthouse Financial, Inc. | $2.4B | 3.35 | 0.37 | 13.2% |
| WSBC | WesBanco, Inc. | $3.8B | 11.08 | 0.93 | 8.9% |
| NMIH | NMI Holdings, Inc. | $3.3B | 8.65 | 1.23 | 15.1% |
| SF | Stifel Financial Corp | $10.9B | 9.95 | 1.84 | 16.3% |
| ENVA | Enova International, Inc. | $4.4B | 12.49 | 2.87 | 26.4% |
Price
| Price | $6.59 (closing price, November 4, 2026) |
| Market Cap | $2.1B |
| Exchange | NYSE |
| Country | US |
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% |
Related companies: ZION · WSFS · BHF · WSBC · NMIH · SF · ENVA · BFH
Explore sector: Financial Services · Financial - Credit Services
More sections of WU: Overview · Financials · Estimates · Technical · Ownership
Discover more: Weekly Radar: the S&P 500 through the Buffett and Lynch methods · Companies that pass the Buffett method · Companies that pass the Lynch method · Stocks that pass Graham's defensive investor test today · Investment Academy — learn to analyze stocks