Stock AnalizWestern Union CO WU
Business Services · data as of November 13, 2026
Western Union CO (WU) is a consumer discretionary company listed in the US with a market value of about $2.1B. In the twelve months to September 30, 2026 it had revenue of $4.0B and net income of $334M, a net margin of 8.3%.
Its overall Stock Analiz score is 2.6 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (0/5).
Key numbers: a P/E of 6.5, a price to free cash flow of 5.1, 5-year revenue growth of -3% a year, a 5-year average ROIC of 22%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 275% above the current price.
Score: 2.6 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- ROE above 15%
- Positive free cash flow
Checks not passed
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.0B | $4.1B | $4.2B | $4.4B | $4.5B | $5.1B | $4.8B | $5.3B | $5.6B | $5.5B | $5.4B |
| Net income | $334M | $500M | $934M | $626M | $911M | $806M | $744M | $1.1B | $852M | -$557M | $253M |
| Free cash flow | $413M | $505M | $369M | $760M | $550M | $1.0B | $841M | $866M | $685M | $673M | $973M |
| EPS (diluted) | $1.04 | $1.52 | $2.74 | $1.68 | $2.34 | $1.97 | $1.79 | $2.46 | $1.87 | $-1.19 | $0.51 |
| Net margin | 8.3% | 12.3% | 22.2% | 14.4% | 20.3% | 15.9% | 15.4% | 20.0% | 15.2% | -10.1% | 4.7% |
| ROIC | — | 14.9% | 14.0% | 24.6% | 25.9% | 29.2% | 199.8% | 368.8% | — | — | 40.0% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 13 analysts is $6.73, 0% below the current price; targets range from $6.00 to $8.50; the consensus rating is “Hold”; expected EPS is $1.32 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Western Union CO’s P/E ratio?
About 6.5, based on the last twelve months of diluted earnings per share (forward P/E about 4.7).
Is Western Union CO stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 275% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Western Union CO pay a dividend?
Yes. The dividend yield is about 13.95%, and it has paid dividends for 10 years in our data.
Is Western Union CO a good stock to buy?
We do not give buy or sell advice. Western Union CO scores 2.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.