The Western Union Company

The Western Union Company

WUยทNYSE

$7.96

-2.9%
Financial ServicesFinancial - Credit Services

The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents and sub-agents; and offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through websites and mobile devices. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals; and foreign currency forward and option contracts. It also offers bill payment services that facilitates payments from consumers to businesses and other organizations, as well as offers money order and other services. The company was founded in 1851 and is headquartered in Denver, Colorado.

At a Glance

Live Snapshot
Market Cap$2.49B
EPS1.5300
P/E Ratio6.09
Earnings Date07/27/2026
The Western Union Company

The Western Union Company Fair Value Envelope

WU ยท NYSE

Our analysis suggests that WU has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $7.96, this represents a potential HIDDEN relative to our calculated worth for The Western Union Company.

Intrinsic Value
Current Price: $7.96

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$12.4B
+ Cash & Equivalents$1.2B
Firm Value$13.6B
- Debt$0
Equity Value$13.6B
/ Shares Outstanding317,844,905B
DCF Value$43
UNDERVALUED BY 437%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$579.1M
$616.7M
$656.9M
$699.6M
$745.1M
$793.6M
$845.2M
$900.2M
$958.8M
$1.0B
Maintenance CapEx
-$32.1M
-$34.2M
-$36.4M
-$38.8M
-$41.3M
-$44.0M
-$46.9M
-$49.9M
-$53.2M
-$56.6M
Owner Earnings
$547.0M
$582.5M
$620.4M
$660.8M
$703.8M
$749.6M
$798.3M
$850.3M
$905.6M
$964.5M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$506.4M
$499.4M
$492.5M
$485.7M
$479.0M
$472.4M
$465.8M
$459.4M
$453.0M
$446.8M
Terminal Value represents 61.5% of Enterprise Value