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Financial Services - Financial - Credit Services - NYSE - US
$ 10.54
0.573 %
$ 3.56 B
Market Cap
3.85
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one WU stock under the worst case scenario is HIDDEN Compared to the current market price of 10.5 USD, The Western Union Company is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one WU stock under the base case scenario is HIDDEN Compared to the current market price of 10.5 USD, The Western Union Company is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one WU stock under the best case scenario is HIDDEN Compared to the current market price of 10.5 USD, The Western Union Company is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WU

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$11.6$11.6$11.4$11.4$11.2$11.2$11.0$11.0$10.8$10.8$10.6$10.6$10.4$10.4$10.2$10.2$10.0$10.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 Mar
FINANCIALS
4.21 B REVENUE
-3.38%
726 M OPERATING INCOME
-11.22%
934 M NET INCOME
49.23%
406 M OPERATING CASH FLOW
-48.12%
-16.3 M INVESTING CASH FLOW
88.42%
-69.3 M FINANCING CASH FLOW
92.27%
1.06 B REVENUE
2.14%
178 M OPERATING INCOME
8.00%
386 M NET INCOME
45.66%
134 M OPERATING CASH FLOW
-36.82%
118 M INVESTING CASH FLOW
279.30%
428 M FINANCING CASH FLOW
309.35%
Balance Sheet The Western Union Company
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Current Assets 1.47 B
Cash & Short-Term Investments 1.47 B
Receivables 0
Other Current Assets 0
Non-Current Assets 3.2 B
Long-Term Investments 213 M
PP&E 245 M
Other Non-Current Assets 2.74 B
31.55 %4.56 %5.25 %58.65 %Total Assets$4.7b
Current Liabilities 4.09 B
Accounts Payable 408 M
Short-Term Debt 0
Other Current Liabilities 3.68 B
Non-Current Liabilities 3.31 B
Long-Term Debt 3.13 B
Other Non-Current Liabilities 182 M
5.51 %49.71 %42.32 %Total Liabilities$7.4b
EFFICIENCY
Earnings Waterfall The Western Union Company
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Revenue 4.21 B
Cost Of Revenue 2.62 B
Gross Profit 1.59 B
Operating Expenses 863 M
Operating Income 726 M
Other Expenses -208 M
Net Income 934 M
5b5b4b4b4b4b3b3b3b3b2b2b2b2b1b1b500m500m004b(3b)2b(863m)726m208m934mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
37.75% GROSS MARGIN
37.75%
17.24% OPERATING MARGIN
17.24%
22.19% NET MARGIN
22.19%
96.42% ROE
96.42%
11.16% ROA
11.16%
187.37% ROIC
187.37%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis The Western Union Company
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900m900m800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 934 M
Depreciation & Amortization 37.4 M
Capital Expenditures -37.4 M
Stock-Based Compensation 0
Change in Working Capital -582 M
Others -270 M
Free Cash Flow 369 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets The Western Union Company
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Wall Street analysts predict an average 1-year price target for WU of $14.8 , with forecasts ranging from a low of $11 to a high of $25 .
WU Lowest Price Target Wall Street Target
11 USD 4.36%
WU Average Price Target Wall Street Target
14.8 USD 40.42%
WU Highest Price Target Wall Street Target
25 USD 137.19%
Price
Max Price Target
Min Price Target
Average Price Target
262624242222202018181616141412121010May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26
4. DIVIDEND ANALYSIS
2.21% DIVIDEND YIELD
0.235 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.0001.0000.9000.9000.8000.8000.7000.7000.6000.6000.5000.5000.4000.4000.3000.3000.2000.2000.1000.1000.0000.0000.1550.160.1750.190.20.2250.2350.2350.2350.2350.2350.1550.160.1750.190.20.2250.2350.2350.2350.2350.1550.160.1750.190.20.2250.2350.2350.2350.2350.1550.620.160.640.1750.700.190.760.20.800.2250.900.2350.940.2350.940.2350.940.2350.940.242015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 14
6. Ownership
Insider Ownership The Western Union Company
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
The Smartest Dividend Stocks to Buy With $1,000 Right Now Opinions will always differ, but our current economic environment seems rather uncertain to me, with tariffs, tariff wars, the threat of inflation, and a lot of investors with stock market jitters. So if you're looking to invest in stocks, I suggest taking a close look at dividend payers. fool.com - 1 week ago
Passive Income Lovers: 3 Ultra-High Yielding Dividend Stocks To Buy Now Market uncertainty and volatility have knocked down most growth bets. 247wallst.com - 2 weeks ago
Western Union (WU) Stock Falls Amid Market Uptick: What Investors Need to Know Western Union (WU) closed the most recent trading day at $10.70, moving -0.56% from the previous trading session. zacks.com - 2 weeks ago
Western Union (WU) Sees a More Significant Dip Than Broader Market: Some Facts to Know Western Union (WU) concluded the recent trading session at $10.54, signifying a -0.94% move from its prior day's close. zacks.com - 3 weeks ago
Best Money Transfer Service Canada (2025): Western Union Recognized as Top International Money Transfer Service by Expert Consumers Western Union has been recognized as the leading international money transfer service in Canada Western Union has been recognized as the leading international money transfer service in Canada globenewswire.com - 4 weeks ago
Best Way To Send Money From Canada (2025): Western Union Awarded Top Money Transfer Service by Expert Consumers Expert Consumers has recognized Western Union as the top money transfer service for Canadians in 2025 Expert Consumers has recognized Western Union as the top money transfer service for Canadians in 2025 globenewswire.com - 4 weeks ago
Why Is Western Union (WU) Down 2.9% Since Last Earnings Report? Western Union (WU) reported earnings 30 days ago. What's next for the stock? zacks.com - 4 weeks ago
Western Union (WU) Rises Yet Lags Behind Market: Some Facts Worth Knowing In the most recent trading session, Western Union (WU) closed at $10.69, indicating a +0.47% shift from the previous trading day. zacks.com - 4 weeks ago
Western Union (WU) Advances While Market Declines: Some Information for Investors Western Union (WU) closed at $10.77 in the latest trading session, marking a +0.28% move from the prior day. zacks.com - 1 month ago
Western Union and urpay Collaborate to Offer International Money Transfer Services RIYADH, Saudi Arabia--(BUSINESS WIRE)--Collaboration announcement with urpay of Saudi Arabia. businesswire.com - 1 month ago
Final Trades: Starbucks, Astrazeneca, Western Union and the IYR The Investment Committee give you their top stocks to watch for the second half. youtube.com - 1 month ago
Western Union Struggles With Legacy Infrastructure, Yet Oversold Western Union's revenue mix shifted, with Consumer Money Transfer declining and Consumer Services growing, partly driven by digital infrastructure investments. I estimate that expansion into new corridors like the U.S. to Guatemala and the U.K. to India will capture $505M in annual revenue over time. I estimate that the changes to the U.S. immigration approach will impact revenues by $300M in 2025. On net, I forecast that WU will produce $4B revenues in 2025. seekingalpha.com - 1 month ago
8. Profile Summary

The Western Union Company WU

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 3.56 B
Dividend Yield 2.21%
Description 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.
Contact 7001 East Belleview Avenue, Denver, CO, 80237 https://www.westernunion.com
IPO Date Oct. 2, 2006
Employees 9100
Officers Mr. Matthew Cagwin Executive Vice President & Chief Financial Officer Ms. Cherie Axelrod Executive Vice President and Chief Risk & Compliance Officer Mr. Bob Rupczynski Chief Marketing Officer Mr. Andrew D. Walker Executive Vice President & Chief Operations Officer Mr. Giovanni Angelini President of Europe, Africa & MEPA Mr. Tom Hadley Head of Investor Relations Mr. Benjamin Hawksworth Chief Technology Officer Mr. Devin B. McGranahan President, Chief Executive Officer & Director Mr. Benjamin Carlton Adams Executive Vice President & Chief Legal Officer Mr. Mark T. Hinsey Chief Accounting Officer & Controller