The Western Union Company
Financial ServicesNYSE:WU · New York Stock Exchange
+$0.23 today
Vol 6.59M · Avg 8.65M
Intrinsic Value
WU Intrinsic Value
Start with the valuation result. Compare the current market price with the system DCF estimate, then use the supporting sections below to decide whether the assumptions are reasonable.
Intrinsic Value
System DCF · consensus of 4 models
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Valuation History
Is WU cheaper or more expensive than usual?
Review how the market has valued The Western Union Company over time before deciding whether today’s discount or premium is unusual.
Price History
Dividend-adjusted closing price
Change
-8.04%
Period High
$10.03
Period Low
$7.32
Latest
$7.55
Analyst Targets
See where analysts expect WU to trade next
Compare the latest consensus target range with the current share price to understand how much upside or downside Wall Street is pricing in.
Wall Street Price Targets
1-year price history with analyst consensus target
Current
$7.55
Low Target
$9.00
Avg Target
$9.00
High Target
$9.00
Upside (Avg)
+19.21%
Alternatives to WU
Compare The Western Union Company with similar companies
A stock can look attractive in isolation and still be less compelling than a peer. Check competitors before committing to the thesis.
Competitors
Peer companies in the same sector
Stifel Financial Corp.
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Enova International, Inc.
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Bread Financial Holdings, Inc.
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$4.11B
WSFS Financial Corporation
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$3.92B
Brighthouse Financial, Inc.
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$3.62B
WesBanco, Inc.
NASDAQ:WSBC
$3.54B
eToro Group Ltd.
NASDAQ:ETOR
$3.24B
NMI Holdings, Inc.
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$2.81B
The Bancorp, Inc.
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$2.39B
Fundamental Analysis
Capture the investment case and test company quality
Write down the key idea, risks, and what would change your mind. Then review growth, profitability, returns, owner payouts, and insider activity.
My Notes
Journal entries for WU
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Quality Snapshot
Start with the numbers that compound value
Check whether earnings, revenue, equity, cash, and returns on capital are moving in the same direction as your written thesis.
Big Five Numbers
CAGR by period · ROIC shows average
| Metric | 10yr | 5yr | 3yr | 1yr |
|---|---|---|---|---|
EPS | N/A | N/A | -1.4% | +1.9% |
Revenue | N/A | N/A | -1.1% | -2.2% |
Equity | -4.7% | -13.8% | N/A | +93.1% |
Cash | N/A | N/A | +0.6% | -8.6% |
ROIC | 13.6% | 11.2% | 17.9% | 14.1% |
Analysis
Latest growth is strongest in Equity at +93.1% and weakest in Cash at -8.6%. Three-year average ROIC is 17.9%, which helps show whether that growth is being earned efficiently.
Growth Profile
Compare historical growth with forward expectations
Strong past growth matters more when analysts still expect the business to expand without relying on one temporary driver.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | -1.4% | +0.5% (15yr)2 analysts |
| Revenue | N/A | N/A | -1.1% | -2.3% (15yr)4 analysts |
| Net Income | N/A | N/A | -6.5% | -2.5% (15yr)4 analysts |
| EBIT | N/A | N/A | -5.9% | -2.3% (15yr)4 analysts |
Analysis
Recent growth has been strongest in Revenue at -1.1% over three years. Forward estimates point to EPS at +0.5% (15yr), giving you a quick check on whether expectations are accelerating or cooling.
Earnings Quality
Follow revenue through to net income
Use the waterfall to see which costs, margins, and operating lines explain how much of each sales dollar becomes profit.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$4.0B of revenue converted into $440.8M of net income for the selected period. Gross margin is 34.0% and net margin is 10.8%, showing how much revenue survives after costs and taxes. EPS is $1.36, tying the income statement back to per-share earnings.
Capital Efficiency
Measure how well The Western Union Company turns capital into returns
Returns on equity, invested capital, and assets help separate durable operators from businesses that only grow by adding more capital.
Return Metrics
ROE, ROIC & ROA over time
ROE
52.2%
avg -162.6%
ROIC
14.5%
avg 10.8%
ROA
6.0%
avg 6.5%
Analysis
ROE is currently the strongest return metric at 52.2% versus its period average of -162.6%. 3 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Owner Returns
Review how cash comes back to shareholders
Dividends, buybacks, and debt paydown show whether excess cash is being reinvested, returned, or used to strengthen the balance sheet.
Shareholder Returns
Dividend, buyback & debt paydown yields
Dividend Yield (TTM)
12.98%
Buyback Yield (TTM)
8.94%
Debt Paydown (TTM)
4.42%
Total Yield (TTM)
26.33%
Analysis
Total TTM shareholder yield is 26.33% including 4.42% from debt paydown. The largest current contributor is dividends at 12.98%, which helps show whether capital returns are coming from direct cash payouts, share count reduction, or balance sheet cleanup.
Dividend Record
Check payout durability before counting on yield
A dividend is more useful when growth, payout ratio, and free cash flow support the current yield.
Dividends
Dividend history, growth & yield
Yield
12.45%
Annual Div/Share
$0.94
Payout Ratio
69.4%
Frequency
Quarterly
Shareholder Yield
23.04%
Next Ex-Date
Jun 16, 2026
Next Payment
$0.24 · Jun 30, 2026
1Y Growth
+0.0%
3Y CAGR
+0.0%
5Y CAGR
+0.7%
Dividend Payments, Annual Total (TTM) & Yield
Analysis
The current indicated dividend yield is 12.45%, with TTM dividends of $0.94 per share. Three-year dividend growth is +0.0%, which helps show whether payouts are compounding or flattening. The payout ratio is 69.4%, so compare payout growth against earnings coverage. Payments are currently quarterly.
Company Overview
Understand how The Western Union Company makes money
Finish by grounding the numbers in the company profile, leadership, balance sheet, and free cash flow.
Key Information
Leadership
Put the business in management context
Company facts explain what The Western Union Company does; leadership context helps you judge who is responsible for capital allocation and execution.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Devin McGranahan | President, Chief Executive Officer & Director | $1.68M | — | 56 | $1.86M | 0.60% |
Matthew Cagwin | Executive Vice President & Chief Financial Officer | $908,600.00 | — | 51 | $444,264.36 | 0.14% |
Benjamin Hawksworth | Executive VP & COO | $804,900.00 | — | 48 | $251,429.00 | 0.08% |
Giovanni Angelini | President of Europe, Africa & MEPA | $768,300.00 | — | 56 | $344,715.00 | 0.11% |
Benjamin Carlton Adams | Executive Vice President, Chief Legal Officer & Corporate Secretary | $693,100.00 | — | 54 | $251,429.00 | 0.08% |
Barry D. Cooper | Chief Accounting Officer & Controller | — | — | 59 | $47,168.00 | 0.02% |
Tom Hadley | Head of Investor Relations | — | — | — | — | — |
Cherie Axelrod | Executive Vice President and Chief Risk & Compliance Officer | — | — | 59 | $183,062.00 | 0.06% |
Karen Whalen | Chief People Officer | — | — | — | — | — |
Ramya Narayanan | Chief Strategy & Development Officer | — | — | — | — | — |
Bob Rupczynski | Chief Marketing Officer | — | — | — | — | — |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
3
$1.73M
Sells
4
$240,733.34
Net Sentiment
+$1.49M
Net buying
Most Active
Adams Benjamin Carlton
3 transactions
Analysis
Insiders reported 3 buys worth $1.73M and 4 sells worth $240,733.34 over the last 12 months. That adds up to net buying of $1.49M. Adams Benjamin Carlton was the most active insider with 3 transactions.
Financial Position
Check what supports the company underneath the income statement
The balance sheet shows liquidity, debt, asset mix, and book value quality before you rely on earnings or growth assumptions.
Balance Sheet
Assets, liabilities & equity
| Cash & Equivalents | $1.5B |
| Short-term Investments | $1.4B |
| Receivables | $1.5B |
| Total Current Assets | $4.4B |
| PP&E (Net) | $91.5M |
| Goodwill | $2.1B |
| Intangible Assets | $388.8M |
| Tax Assets | $215.2M |
| Other Non-current | $851.6M |
| Total Non-current Assets | $3.7B |
| Total Assets | $8.1B |
Analysis
Selected assets total $8.1B for Latest. The largest visible component is Goodwill at $2.1B, about 26.0% of the tab total. Use the mix to judge balance sheet concentration, liquidity, leverage, and how much of book value is supported by tangible operating assets.
Cash Generation
Finish by testing whether profit turns into cash
Free cash flow connects accounting earnings to owner earnings, showing how much cash remains after reinvestment needs.
Free Cash Flow
Net Income to FCF bridge
Analysis
Analysis will appear once cash flow data is available for this period.
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