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Investment Highlights Market Valuation Price Chart Return vs. Risk About WU Interactive Breakdown Better Bets vs. WU Latest Trefis Analyses Trade Ideas Recent Active Movers More From Trefis Peer Financials Peer Growth & Margins Peer Valuation Peer Returns Peer Analyses FDIC Bank Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Insider Activity Industry Resource Links External Quote Links

Western Union (WU)

Market Price (10/27/2025): $8.9 | Market Cap: $2.9 Bil
Sector: Financials | Industry: Transaction & Payment Processing Services

Western Union (WU)

Market Price (10/27/2025): $8.9
Market Cap: $2.9 Bil
Sector: Financials
Industry: Transaction & Payment Processing Services

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 41%, Dividend Yield is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 37%, FCF Yield is 13%		 Weak multi-year price returns
2Y Excs Rtn is -80%, 3Y Excs Rtn is -103%		 Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -3.8%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -5.5%, Rev Chg QQuarterly Revenue Change % is -3.8%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12%		 Meaningful short interest
Short Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 14%		 
2 Low stock price volatility
Vol 12M is 31%		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 41%, Dividend Yield is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 37%, FCF Yield is 13%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12%
2 Low stock price volatility
Vol 12M is 31%
3 Weak multi-year price returns
2Y Excs Rtn is -80%, 3Y Excs Rtn is -103%
4 Meaningful short interest
Short Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 14%
5 Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -3.8%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -5.5%, Rev Chg QQuarterly Revenue Change % is -3.8%

Market Valuation & Key Metrics

WUS&P 500
REVENUE GROWTHVERY POOR
Rev LTM ($ Bil)4.1
Rev Chg Q-3.8%6.4%
Rev Chg LTM-3.8%5.3%
Rev Chg 3Y Avg-5.5%5.4%
PROFITABILITYFAIR
Op Inc LTM ($ Bil)0.7
CFO LTM ($ Bil)0.5
Net Inc LTM ($ Bil)0.9
Op Mgn LTM17.4%18.7%
CFO/Rev LTM12.0%20.5%
Net Inc Mgn21.8%12.7%
VALUATIONVERY LOW
P/S0.73.3
P/CFO5.916.1
P/FCF7.820.9
P/E3.324.0
STABILITYGOOD
Debt/Equity0.940.21
Cash/Assets0.360.07

WU Stock

   
   
   
   
   
   
   

Return vs. Risk

Price Returns Compared

 202020212022202320242025Total [1]
Returns
WU Return-15%-15%-18%-6%-4%-8%-55%
Peers Return30%2%-16%19%40%-3%81%
S&P 500 Return16%27%-19%24%23%15%110%

Monthly Win Rates [3]
WU Win Rate50%50%50%67%42%22% 
Peers Win Rate57%55%40%60%67%51% 
S&P 500 Win Rate58%75%42%67%75%67% 

Max Drawdowns [4]
WU Max Drawdown-34%-26%-27%-25%-6%-21% 
Peers Max Drawdown-32%-14%-27%-7%-3%-22% 
S&P 500 Max Drawdown-31%-1%-25%-1%-2%-15% 

[1] Cumulative total returns since the beginning of 2020
[2] Peers: V, MA, AXP, PYPL, FI. See WU Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 10/24/2025 (YTD)

How Low Can It Go

Unique KeyEventWUS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-60.8%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven155.2%34.1%
2022 Inflation ShockTime to BreakevenTime to BreakevenNot Fully Recovered days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-37.8%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven60.8%51.3%
2020 Covid PandemicTime to BreakevenTime to BreakevenNot Fully Recovered days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-26.7%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven36.4%24.7%
2018 CorrectionTime to BreakevenTime to Breakeven255 days120 days
2008 Global Financial Crisis2008 Global Financial Crisis  
2008 Global Financial Crisis% Loss% Loss-63.2%-56.8%
2008 Global Financial Crisis% Gain to Breakeven% Gain to Breakeven171.8%131.3%
2008 Global Financial CrisisTime to BreakevenTime to BreakevenNot Fully Recovered days1480 days

Compare to V, MA, AXP, PYPL, FI


In The Past

Western Union's stock fell -60.8% during the 2022 Inflation Shock from a high on 4/29/2021. A -60.8% loss requires a 155.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Western Union (WU)

Better Bets than Western Union (WU)

 WUBetter Performance than WU
MetricValueIndustry (Transaction & Payment Processi)
Rev Chg LTM-3.8%V (11.4%), MA (13.1%), FI (6.7%), PYPL (4.1%), XYZ (1.4%)
Rev Chg 3Y Avg-5.5%V (11.5%), MA (13.5%), FI (7.5%), PYPL (7.0%), XYZ (13.9%)
Op Mgn LTM17.4%V (66.5%), MA (58.0%), FI (30.0%), PYPL (19.1%), GPN (20.3%)
CFO/Rev LTM12.0%V (60.4%), MA (53.3%), FI (32.1%), PYPL (18.8%), FIS (27.3%)
FCF/Rev LTM9.1%V (56.8%), MA (49.2%), FI (24.4%), PYPL (16.4%), FIS (18.7%)
Total Yield41.2%
 WUBetter Performance than WU
MetricValueAll Other Sectors
Rev Chg LTM-3.8%NVDA (71.6%), AAPL (6.0%), MSFT (14.9%), GOOGL (13.1%), AMZN (10.9%)
Rev Chg 3Y Avg-5.5%NVDA (92.0%), AAPL (1.8%), MSFT (12.5%), GOOGL (10.2%), AMZN (11.3%)
Op Mgn LTM17.4%NVDA (58.1%), AAPL (31.9%), MSFT (45.6%), GOOGL (32.7%), META (42.9%)
CFO/Rev LTM12.0%NVDA (46.6%), AAPL (26.6%), MSFT (48.3%), GOOGL (36.0%), AMZN (18.1%)
FCF/Rev LTM9.1%NVDA (43.6%), AAPL (23.5%), MSFT (25.4%), GOOGL (18.0%), META (30.7%)
Total Yield41.2%TM (2036.8%), HMC (2140.7%), BIDU (66.8%), ERIC (78.2%), JBS (96.6%)
 Best Bets In Financials Sector
 WUDBRG OTF MTG NMIH ENVA ACGL APAM EEFT FAF KMPR
What You Pay           
P/E3.339.813.38.57.610.68.710.510.513.68.9
P/EBIT4.164.99.26.45.68.27.76.16.38.26.5
What You Get           
Rev Chg Q-3.8%-102.4%1,228.5%-0.3%7.2%16.3%22.4%4.4%8.9%40.7%7.8%
Rev Chg LTM-3.8%-84.8%89.0%3.3%10.0%21.1%23.5%10.0%8.7%20.7%2.6%
Rev Chg 3Y Avg-5.5%125.8%221.9%1.2%10.1%23.5%29.8%0.2%9.1%-3.3%-4.7%
FCF/Rev 3Y Avg9.1%101.2%76.2%59.8%58.8%54.7%38.4%29.0%15.9%7.0%2.0%

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Latest Trefis Analyses

Trade Ideas

Select past ideas related to WU. For more, see Trefis Trade Ideas.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-11.9%-11.9%-12.7%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		8.7%8.7%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		4.3%4.3%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-1.3%-1.3%-4.9%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		14.3%14.3%0.0%
WU_10312023_Dip_Buyer_FCFYield10312023WUWestern UnionDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		23.5%3.2%0.0%
WU_4302022_Dip_Buyer_FCFYield04302022WUWestern UnionDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-14.4%-30.1%-35.3%
Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-11.9%-11.9%-12.7%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		8.7%8.7%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		4.3%4.3%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-1.3%-1.3%-4.9%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		14.3%14.3%0.0%
WU_10312023_Dip_Buyer_FCFYield10312023WUWestern UnionDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		23.5%3.2%0.0%
WU_4302022_Dip_Buyer_FCFYield04302022WUWestern UnionDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-14.4%-30.1%-35.3%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1VICRVicor57.5%87.2%
2INBXInhibrx Biosciences53.8%272.0%
3CLBCore Laboratories48.7%-2.4%
4BALYBallys46.2%6.8%
5MOFGMidWestOne Financial43.2%39.2%
6NUVBNuvation Bio42.2%82.3%
7CLOVClover Health Investments41.0%21.3%
8CELCCelcuity36.6%442.2%
9WGOWinnebago Industries33.6%-12.7%
10GTXGarrett Motion33.3%91.3%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1PMIPicard Medical-45.4%8328.6%
2ITGRInteger-30.4%-45.0%
3METCRamaco Resources-23.8%244.9%
4WRLDWorld Acceptance-18.6%25.6%
5ASMAvino Silver & Gold Mines-18.2%450.5%
6SESSES AI-17.6%15.5%
7SMPLSimply Good Foods-17.5%-48.0%
8TNGXTango Therapeutics-17.0%142.6%
9OKLOOklo-16.7%540.8%
10LENZLENZ Therapeutics-16.4%10.7%

1 Month Top Gainers

#TickerCompany1M RtnYTD Rtn
1WOLFWolfspeed1498.4%344.0%
2PRAXPraxis Precision Medicines253.2%126.1%
3NVTSNavitas Semiconductor116.1%294.1%
4SNDKSanDisk97.4% 
5UAMYUnited States Antimony90.3%578.5%
6GRALGRAIL85.2%400.8%
7BALYBallys82.9%6.8%
8ORKAOruka Therapeutics81.1%40.5%
9INBXInhibrx Biosciences79.9%272.0%
10CIFRCipher Mining77.2%345.3%

1 Month Top Losers

#TickerCompany1M RtnYTD Rtn
1VGVenture Global-35.7% 
2PMIPicard Medical-35.3%8328.6%
3SOCSable Offshore-33.7%-41.7%
4FWRDForward Air-28.9%-39.0%
5FLYFirefly Aerospace-28.5% 
6ITGRInteger-28.4%-45.0%
7USNAUsana Health Sciences-26.5%-42.0%
8HTZHertz Global-26.3%41.5%
9RCReady Capital-25.1%-50.3%
10ULHUniversal Logistics-24.8%-61.0%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1VICRVicor57.5%87.2%
2INBXInhibrx Biosciences53.8%272.0%
3CLBCore Laboratories48.7%-2.4%
4BALYBallys46.2%6.8%
5MOFGMidWestOne Financial43.2%39.2%
6NUVBNuvation Bio42.2%82.3%
7CLOVClover Health Investments41.0%21.3%
8CELCCelcuity36.6%442.2%
9WGOWinnebago Industries33.6%-12.7%
10GTXGarrett Motion33.3%91.3%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1PMIPicard Medical-45.4%8328.6%
2ITGRInteger-30.4%-45.0%
3METCRamaco Resources-23.8%244.9%
4WRLDWorld Acceptance-18.6%25.6%
5ASMAvino Silver & Gold Mines-18.2%450.5%
6SESSES AI-17.6%15.5%
7SMPLSimply Good Foods-17.5%-48.0%
8TNGXTango Therapeutics-17.0%142.6%
9OKLOOklo-16.7%540.8%
10LENZLENZ Therapeutics-16.4%10.7%

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for Western Union

Financials

WUVMAAXPPYPLFIMedian
NameWestern .Visa Masterca.American.PayPal Fiserv  
Mkt Price8.97347.38573.67357.5669.77125.17236.28
Mkt Cap3.0640.2523.2247.467.668.9158.2
Rev LTM4,10438,89329,06970,42832,29221,11230,680
Op Inc LTM71325,86416,870-6,1616,3446,344
FCF LTM37422,08314,31518,9445,2925,1579,804
FCF 3Y Avg38519,89911,70416,9045,2164,1298,460
CFO LTM49423,48515,48821,1396,0666,77211,130
CFO 3Y Avg53721,13412,85118,8015,8995,6409,375

Growth & Margins

WUVMAAXPPYPLFIMedian
NameWestern .Visa Masterca.American.PayPal Fiserv  
Rev Chg LTM-3.8%11.4%13.1%9.1%4.1%6.7%7.9%
Rev Chg 3Y Avg-5.5%11.5%13.5%11.6%7.0%7.5%9.5%
Rev Chg Q-3.8%14.3%14.2%10.8%5.1%8.0%9.4%
QoQ Delta Rev Chg LTM-1.0%3.4%3.2%2.6%1.3%2.0%2.3%
Op Mgn LTM17.4%66.5%58.0%-19.1%30.0%30.0%
Op Mgn 3Y Avg18.0%66.8%58.0%-17.8%26.7%26.7%
QoQ Delta Op Mgn LTM0.2%-0.0%0.1%-0.3%0.7%0.2%
CFO/Rev LTM12.0%60.4%53.3%30.0%18.8%32.1%31.0%
CFO/Rev 3Y Avg12.6%60.1%49.5%29.2%19.2%28.4%28.8%
FCF/Rev LTM9.1%56.8%49.2%26.9%16.4%24.4%25.7%
FCF/Rev 3Y Avg9.1%56.6%45.1%26.3%16.9%20.7%23.5%

Valuation

WUVMAAXPPYPLFIMedian
NameWestern .Visa Masterca.American.PayPal Fiserv  
Mkt Cap3.0640.2523.2247.467.668.9158.2
P/S0.716.518.03.52.13.33.4
P/EBIT4.125.731.9-10.811.211.2
P/E3.331.639.823.514.420.421.9
P/CFO6.027.333.811.711.110.211.4
Total Yield41.2%3.7%2.5%4.3%6.9%4.9%4.6%
Dividend Yield10.8%0.5%0.0%0.0%0.0%0.0%0.0%
FCF Yield 3Y Avg10.7%4.1%2.7%10.7%7.8%4.7%6.3%
D/E0.90.00.00.20.20.40.2
Net D/E-0.00.00.00.00.00.40.0

Returns

WUVMAAXPPYPLFIMedian
NameWestern .Visa Masterca.American.PayPal Fiserv  
1M Rtn12.8%3.0%1.6%4.9%3.7%-3.4%3.3%
3M Rtn7.6%-2.5%1.1%15.0%-10.5%-11.9%-0.7%
6M Rtn-6.4%4.0%7.8%35.7%6.8%-29.5%5.4%
12M Rtn-11.2%24.2%13.7%35.2%-14.6%-37.3%1.3%
3Y Rtn-16.5%74.4%82.8%152.5%-20.1%26.7%50.5%
1M Excs Rtn11.0%0.9%-1.6%2.5%1.7%-5.5%1.3%
3M Excs Rtn3.1%-8.4%-5.2%9.1%-17.1%-16.8%-6.8%
6M Excs Rtn-29.4%-18.9%-15.1%12.8%-16.1%-52.4%-17.5%
12M Excs Rtn-30.6%6.8%-3.6%16.6%-29.8%-53.4%-16.7%
3Y Excs Rtn-102.6%7.3%12.3%74.0%-101.2%-53.7%-23.2%

Comparison Analyses

Title
0The Western Union Company vs. PayPal: With Return Forecast Of 38%-38%, Both Seem Like Good Bets
1Why V With 26% Upside May Beat WU?
2The Western Union Company vs. lululemon athletica: With Return Forecast Of 40%, lululemon athletica Is A Better Bet
3The Western Union Company vs. Roper Technologies: Both Seem Similar Bets
4The Western Union Company vs. Synopsys: Both Seem Similar Bets
5The Western Union Company vs. Lattice Semiconductor: Similar Market Cap, But The Western Union Company Is A Better Bet
6The Western Union Company vs. Manhattan Associates: Similar Market Cap, But The Western Union Company Is A Better Bet
7The Western Union Company vs. Jazz Pharmaceuticals: Similar Market Cap, But Jazz Pharmaceuticals Is A Better Bet
8The Western Union Company vs. Mastercard: Industry Competitors, But Mastercard Is A Better Bet
9The Western Union Company vs New York Times: Similar Market Cap; Which Stock Is A Better Bet?

Financials

$ Mil | FY: 12/312025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q3
Period End6/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/20233/31/202312/31/20229/30/2022
Filing Date7/28/20254/23/20252/20/202510/23/20247/30/20244/24/20242/22/202410/25/20237/26/20235/2/20232/23/202311/1/2022
Key Financials Quarterly            
Total Revenue1,0269841,0581,0361,0661,0491,0521,0981,1701,0371,0921,090
Ebitda237222222211242243216277289253289264
Operating Income193177178165191192159211243205152232
Net Income122124386265141143127171176152249174
EPS0.370.371.140.780.420.410.350.460.470.410.650.45
Key Financials TTM            
Total Revenue TTM4,1044,1444,2104,2044,2664,3694,3574,3974,3884,3574,4764,668
Ebitda TTM8918979189129781,0251,0351,1081,0951,1121,2931,259
Operating Income TTM7137117267077538058188108318528851,050
Net Income TTM896915934676582617626748751769911830
Growth Rates Quarterly            
Total Revenue Growth-3.8%-6.2%0.6%-5.6%-8.9%1.2%-3.6%0.8%2.8%-10.3%-15.0%-15.3%
EBITDA Growth-2.4%-8.6%2.8%-23.9%-16.2%-3.9%-25.4%5.2%-5.7%-41.8%13.5%-28.4%
Operating Income Growth1.0%-7.7%11.8%-21.8%-21.4%-6.2%5.1%-9.0%-8.1%-13.8%-52.1%-27.2%
Net Income Growth-13.4%-13.5%203.7%54.9%-20.0%-6.0%-49.1%-1.7%-9.2%-48.2%47.7%-25.3%
Margins Quarterly            
EBITDA Margin23.1%22.5%20.9%20.4%22.7%23.1%20.5%25.3%24.7%24.4%26.5%24.2%
Operating Income Margin18.8%18.0%16.8%15.9%17.9%18.3%15.1%19.2%20.7%19.7%13.9%21.3%
Net Income Margin11.9%12.6%36.4%25.6%13.2%13.6%12.1%15.6%15.1%14.6%22.8%16.0%
Cash & Debt            
Total Cash2,8572,8873,4382,9372,9042,9222,7271,1381,5861,2291,2861,176
Total Debt2,7492,7913,1322,5872,6362,5402,6672,3092,8132,4632,6172,611
Net Debt / (Cash)-108-95-306-350-269-382-601,1711,2271,2341,3311,435
Cash Flows Quarterly            
FCF from Operations-0148134212-349426425512713759216
Cash Flows TTM            
FCF from Operations TTM494460406537579740783578539519582882
Returns to Shareholders Quarterly            
Dividends778280808280838791888991
Share Repurchases8077423015121191151778
Return on Invested Capital (ROIC) Quarterly            
ROIC72.7%70.2%113.5%115.4%104.4%128.6%69.5%35.1%38.3%33.0%28.0%36.2%
Return on Invested Capital (ROIC) TTM            
ROIC TTM88.0%83.9%115.6%123.7%102.8%134.8%84.9%36.8%37.4%38.0%36.9%38.9%

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
Consumer Money Transfer4,0053,9944,3944,2204,408
Consumer Services322285255259496
Business Solutions30197422356389
Total4,3574,4765,0714,8355,292


Operating Income by Segment
$ Mil20242023202220212020
Consumer Money Transfer751765978925975
Consumer Services92101505527
Business Solutions458962447
Redeployment program costs-30-220  
Business Solutions exit costs -80  
Russia/Belarus exit costs -100  
Acquisition, separation, and integration costs   -37-116
Total8188851,123967934


Price Behavior

WU Betas & Captures as of 9/30/2025

 1M2M3M6M1Y3Y
Beta0.090.580.730.850.680.70
Up Beta0.961.680.860.990.870.77
Down Beta-0.730.891.050.660.570.69
Up Capture-50%17%36%37%23%20%
Bmk +ve Days13233574144420
Stock +ve Days9212851108373
Down Capture85%3%91%114%84%93%
Bmk -ve Days8192952107330
Stock -ve Days11193369136361

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date10152025
Short Interest: Shares Quantity45,995,772
Short Interest: % Change Since 93020257.3%
Average Daily Volume13,220,323
Days-to-Cover Short Interest3.48
Basic Shares Quantity328,900,000
Short % of Basic Shares14.0%

Returns Analyses

Earnings Returns History

Expand for More

 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/23/202510.2%  
7/28/2025-4.1%-4.9%1.7%
4/23/20250.7%-2.0%-4.7%
2/4/20256.1%-1.2%6.6%
10/23/2024-3.4%-6.5%-6.0%
7/30/2024-8.3%-11.3%-6.6%
4/24/2024-2.2%-3.7%-5.9%
2/6/2024-5.6%0.6%12.4%
...
SUMMARY STATS   
# Positive1178
# Negative141817
Median Positive1.3%2.3%7.7%
Median Negative-5.6%-3.7%-5.9%
Max Positive10.2%15.5%21.4%
Max Negative-12.6%-11.8%-26.8%

SEC Filings

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Report DateFiling DateFiling
6302025728202510-Q 6/30/2025
3312025423202510-Q 3/31/2025
12312024220202510-K 12/31/2024
93020241023202410-Q 9/30/2024
6302024730202410-Q 6/30/2024
3312024424202410-Q 3/31/2024
12312023222202410-K 12/31/2023
93020231025202310-Q 9/30/2023
6302023726202310-Q 6/30/2023
3312023502202310-Q 3/31/2023
12312022223202310-K 12/31/2022
93020221101202210-Q 9/30/2022
6302022803202210-Q 6/30/2022
3312022428202210-Q 3/31/2022
12312021224202210-K 12/31/2021
93020211102202110-Q 9/30/2021

Insider Activity

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 OwnerTitleFiling DateActionPriceSharesTransacted
Value		Value of
Held Shares		Form
0McGranahan DevinCEO & President8252025Buy8.49176,4701,498,0547,751,518Form
1Cagwin MatthewChief Financial Officer8202025Buy8.3617,500146,3001,886,111Form

Industry Resources

External Quote Links


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