Tearsheet
Investment Highlights Market Valuation Price Chart Business Description Interactive Breakdown Latest Trefis Analyses Better Bets vs. WU 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 (9/17/2025): $8.19 | Market Cap: $2.7 Bil
Sector: Financials | Industry: Transaction & Payment Processing Services

Western Union (WU)

Market Price (9/17/2025): $8.19
Market Cap: $2.7 Bil
Sector: Financials
Industry: Transaction & Payment Processing Services

Investment Highlights

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 45%, Dividend Yield is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 41%, FCF Yield is 14%		 Weak multi-year price returns
2Y Excs Rtn is -72%, 3Y Excs Rtn is -90%		 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 11%		 
2 Low stock price volatility
Vol 12M is 29%		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 45%, Dividend Yield is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 41%, FCF Yield is 14%
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 29%
3 Weak multi-year price returns
2Y Excs Rtn is -72%, 3Y Excs Rtn is -90%
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 11%
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

 9/17/252024202320222021
Share Price CYE$8.19$9.80$10.19$10.86$13.23
Market Cap CYE ($ Bil)2.73.33.74.25.3
Total Debt ($ Bil)2.73.12.72.63.2
Total Cash ($ Bil)2.93.42.71.32.6
Enterprise Value ($ Bil)2.66.46.46.88.5
Valuation Ratios     
P/S TTM0.70.91.01.21.4
P/EBIT TTM3.74.95.24.87.0
P/E TTM3.03.97.15.99.0
Sector Ratios     
P/S TTM (Sector)3.23.12.82.83.4
P/EBIT TTM (Sector)7.16.97.17.17.0
P/E TTM (Sector)12.911.610.19.410.0
 9/17/2520242023
Share Price CYE$8.19$9.80$10.19
Market Cap CYE ($ Bil)2.73.33.7
Total Debt ($ Bil)2.73.12.7
Total Cash ($ Bil)2.93.42.7
Enterprise Value ($ Bil)2.66.46.4
Valuation Ratios   
P/S TTM0.70.91.0
P/EBIT TTM3.74.95.2
P/E TTM3.03.97.1
Sector Ratios   
P/S TTM (Sector)3.23.12.8
P/EBIT TTM (Sector)7.16.97.1
P/E TTM (Sector)12.911.610.1

Market Cap Chart

Business 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. Show more

Price Returns Compared

Expand for Detailed View

 202020212022202320242025Total [1]
Returns
WU Return-15%-15%-18%-6%-4%-16%-55%
Peers Return30%2%-16%19%40%-5%77%
S&P 500 Return16%27%-19%24%23%12%104%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: V, MA, AXP, PYPL, FI. See WU Returns vs. Peers.
[3] 2025 data is for the year up to 9/16/2025 (YTD)

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%), CPAY (43.9%)
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 Yield45.0%
 WUBetter Performance than WU
MetricValueAll Other Sectors
Rev Chg LTM-3.8%NVDA (71.6%), MSFT (14.9%), AAPL (6.0%), GOOGL (13.1%), AMZN (10.9%)
Rev Chg 3Y Avg-5.5%NVDA (92.0%), MSFT (12.5%), AAPL (1.8%), GOOGL (10.2%), AMZN (11.3%)
Op Mgn LTM17.4%NVDA (58.1%), MSFT (45.6%), AAPL (31.9%), GOOGL (32.7%), META (42.9%)
CFO/Rev LTM12.0%NVDA (46.6%), MSFT (48.3%), AAPL (26.6%), GOOGL (36.0%), AMZN (18.1%)
FCF/Rev LTM9.1%NVDA (43.6%), MSFT (25.4%), AAPL (23.5%), GOOGL (18.0%), META (30.7%)
Total Yield45.0%TM (2104.3%), HMC (1990.4%), BIDU (66.2%), JBS (77.9%), ERIC (65.2%)

Latest Trefis Analyses

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1BDSXBiodesix1313.2%-78.6%
2CLSDClearside Biomedical954.0%-74.9%
3SDOTSadot624.1%-79.4%
4WLDSWearable Devices498.0%-30.0%
5CHEKCheck-Cap285.6%154.6%
6ATCHAtlasClear275.9%-91.0%
7HSDTHelius Medical Technologies262.5%-95.6%
8OPIOffice Properties Income Trust261.7%-13.4%
9FGIFGI Industries156.8%145.2%
10AIREReAlpha Tech154.0%-56.1%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1NAKAKindly MD-81.4% 
2ATYRaTyr Pharma-79.7%-70.2%
3LGCLLucas GC-73.6%-77.1%
4EPSMEpsium Enterprise-70.1% 
5BNGOBionano Genomics-59.4%-89.7%
6FAASDigiAsia-58.5%-87.2%
7QMMMQMMM-57.5%6775.0%
8VCIGVCI Global-56.9%-99.1%
9YYGHYY-56.6%-78.5%
10XAGELongevity Health-55.5%-86.1%

1 Month Top Gainers

#TickerCompany1M RtnYTD Rtn
1PMIPicard Medical11963.5%11963.5%
2GIBOGIBO9734.4% 
3CHSNChanson International7565.0%-99.3%
4LNZALanzaTech Global7287.5%-86.0%
5QMMMQMMM3031.7%6775.0%
6OESXOrion Energy Systems1497.9%22.9%
7CURXCuranex Pharmaceuticals1401.6%1401.6%
8ENTOEntero Therapeutics565.6%117.6%
9PTNMPitanium553.2% 
10WLDSWearable Devices449.5%-30.0%

1 Month Top Losers

#TickerCompany1M RtnYTD Rtn
1CJETChijet Motor-92.2%-95.0%
2STFSStar Fashion Culture-92.2%-97.8%
3ELPWElong Power-91.6%-76.7%
4NXTTNext Technology-89.6%-95.1%
5NAKAKindly MD-89.0% 
6BINIBollinger Innovations-88.9%-100.0%
7JEM707 Cayman-88.4%-98.2%
8YAASYouxin Technology-82.5%-98.3%
9NEONNeonode-82.0%-50.2%
10NVNOenVVeno Medical-81.5%-69.8%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1BDSXBiodesix1313.2%-78.6%
2CLSDClearside Biomedical954.0%-74.9%
3SDOTSadot624.1%-79.4%
4WLDSWearable Devices498.0%-30.0%
5CHEKCheck-Cap285.6%154.6%
6ATCHAtlasClear275.9%-91.0%
7HSDTHelius Medical Technologies262.5%-95.6%
8OPIOffice Properties Income Trust261.7%-13.4%
9FGIFGI Industries156.8%145.2%
10AIREReAlpha Tech154.0%-56.1%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1NAKAKindly MD-81.4% 
2ATYRaTyr Pharma-79.7%-70.2%
3LGCLLucas GC-73.6%-77.1%
4EPSMEpsium Enterprise-70.1% 
5BNGOBionano Genomics-59.4%-89.7%
6FAASDigiAsia-58.5%-87.2%
7QMMMQMMM-57.5%6775.0%
8VCIGVCI Global-56.9%-99.1%
9YYGHYY-56.6%-78.5%
10XAGELongevity Health-55.5%-86.1%

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for Western Union

Financials

WUVMAAXPPYPLFIMedian
NameWestern .Visa Masterca.American.PayPal Fiserv  
Mkt Price8.20340.03586.42327.0466.85132.75229.90
Mkt Cap2.7626.7534.8228.364.873.1150.7
Rev LTM4,10438,89329,06968,63832,29221,11230,680
Op Inc LTM71325,86416,870-6,1616,3446,344
FCF LTM37422,08314,31511,0955,2925,1578,194
FCF 3Y Avg38519,89911,70416,3995,2164,1298,460
CFO LTM49423,48515,48813,0946,0666,7729,933
CFO 3Y Avg53721,13412,85118,2265,8995,6409,375

Growth & Margins

WUVMAAXPPYPLFIMedian
NameWestern .Visa Masterca.American.PayPal Fiserv  
Rev Chg LTM-3.8%11.4%13.1%8.4%4.1%6.7%7.6%
Rev Chg 3Y Avg-5.5%11.5%13.5%12.5%7.0%7.5%9.5%
Rev Chg Q-3.8%14.3%14.2%9.3%5.1%8.0%8.7%
QoQ Delta Rev Chg LTM-1.0%3.4%3.2%2.3%1.3%2.0%2.1%
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%19.1%18.8%32.1%25.6%
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%16.2%16.4%24.4%20.4%
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 Cap2.7626.7534.8228.364.873.1150.7
P/S0.716.118.43.32.03.53.4
P/EBIT3.725.232.6-10.311.811.8
P/E3.030.940.722.513.821.622.1
P/CFO5.526.734.517.410.710.814.1
Total Yield45.0%3.8%2.5%4.9%7.2%4.6%4.8%
Dividend Yield11.8%0.6%0.0%0.5%0.0%0.0%0.2%
FCF Yield 3Y Avg10.7%4.1%2.7%10.2%7.8%4.7%6.3%
D/E1.00.00.00.30.20.40.2
Net D/E-0.00.00.00.00.00.40.0

Returns

WUVMAAXPPYPLFIMedian
NameWestern .Visa Masterca.American.PayPal Fiserv  
1M Rtn0.9%-1.3%0.8%7.1%-3.4%-2.9%-0.2%
3M Rtn0.1%-4.8%3.1%11.7%-5.4%-18.8%-2.4%
6M Rtn-19.4%1.9%10.9%24.9%-2.9%-38.8%-0.5%
12M Rtn-22.9%17.9%18.5%26.3%-5.9%-24.3%6.0%
3Y Rtn-25.2%80.4%89.4%121.5%-28.9%28.1%54.3%
1M Excs Rtn-1.5%-3.7%-1.6%4.6%-5.9%-5.3%-2.7%
3M Excs Rtn-12.0%-13.7%-6.2%1.6%-17.0%-29.0%-12.8%
6M Excs Rtn-35.0%-14.4%-5.9%7.7%-20.4%-55.6%-17.4%
12M Excs Rtn-40.0%1.9%1.8%11.2%-23.1%-41.6%-10.6%
3Y Excs Rtn-90.3%7.5%15.3%51.6%-93.0%-37.7%-15.1%

Comparison Analyses

Title
0The Western Union Company vs. PayPal: With Return Forecast Of 38%-38%, Both Seem Like Good Bets
1WU or V - With 27% Return Forecast, V Probably Deserves Your Money
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 8/31/2025

 1M2M3M6M1Y3Y
Beta0.791.031.280.770.660.70
Up Beta1.631.171.490.960.830.78
Down Beta1.390.882.200.530.550.69
Up Capture77%78%54%43%26%21%
Bmk +ve Days10223571142415
Stock +ve Days12182652110373
Down Capture-42%129%145%94%80%93%
Bmk -ve Days11192754106334
Stock -ve Days8213268132361

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

Short Interest

Short Interest: As Of Date8292025
Short Interest: Shares Quantity35,346,551
Short Interest: % Change Since 815202515.9%
Average Daily Volume9,666,666
Days-to-Cover Short Interest3.66
Basic Shares Quantity328,900,000
Short % of Basic Shares10.7%

Returns Analyses

Earnings Returns History

Expand for More

 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
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%
10/25/2023-9.7%-11.8%-6.7%
...
SUMMARY STATS   
# Positive1189
# Negative141716
Median Positive1.3%2.4%7.4%
Median Negative-5.6%-3.7%-5.9%
Max Positive9.8%15.5%21.4%
Max Negative-12.6%-11.8%-26.8%

SEC Filings

Expand for More

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

Expand for More

 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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