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Company Analysis

Western Union Company (The) WU

A comprehensive view of key metrics, scores, and financial health for Western Union Company (The)

Overview of The Western Union Company

WU NYQ
Financial Services Credit Services Mid Cap
The Western Union Company (WU), is a Mid Cap company, in the Credit Services industry, last closed at $9.53, about 68.8% overvalued vs fair value, -10.5% 1Y return, placing in the top 10% of its sector.
$9.53
-2.06%
As of March 13, 2026
Previous close • Vol 90d: 29.0%
52-Week Range
Market Cap
$3.05B
Enterprise Value
$4.41B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.westernunion.com
HQ Denver, CO
Employees 9,600
Fiscal year Dec 31

Next Events

Dividend Mar 31 Ex-div: Mar 17
Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$2
$3
$6
Current: $9.53 -69% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$7.9M
-33.6%%
Interest Expense
$143.2M
Net Interest Income
$-135.1M
-25.2%%
Total Revenue
$4.0B
-4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
96.4%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$543.6M
58.2% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Western Union Company (The)'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
57
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing WU's balance between Growth (24.1%), Profitability (34.3%), and Safety (41.6%). Growth 24% Safety 42% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

38th percentile vs peers
38
Key Signals
EPS Growth YoY 62.7% 70p EPS CAGR 3Y 11.6% 61p Revenue CAGR 3Y -3.4% 24p Rev Growth YoY -4.0% 16p TSR -3.0% 37p
Strengths
  • Superior capital returns - 3 return metrics above peer median
  • Current Ratio in top 20% of peers (16.52, 89th percentile)
  • Debt/Fcf Ratio in top 20% of peers (11.36, 83th percentile)
  • Cash Flow To Debt Ratio in top 20% of peers (3.98, 81th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (-4.0%)
  • Growth below peer median (percentile: 38)

Profitability

53th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

65th percentile vs peers
66
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Western Union Company (The).

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$2.97
- - -
-68.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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