The Western Union
WU
6.11
-0.03
-0.49%
The Western Union
US · WU
#2819 by market cap
Listed 2006
6.11
-0.03
-0.49%
Live - 5344 symbols - heartbeat 481s ago
· 2026-10-08 05:24
Pre-market
6.12
+0.15%
After-hours
6.11
+0.08%
Overnight
6.13
+0.33%
- Market cap
- 1.91B
- P/E (TTM)i
- 4.93
- P/Bi
- 2.08
- EPSi
- 1.52
- Div yieldi
- 15.38%
- 52W posi
- 7%
Reader sentiment
Are you bullish or bearish on WU?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Weak
- Altman Z-Score is 1.02, below the 1.8 "distress zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year -3.78% YoY
Margins
- Gross margin
- 37.03%
- Operating margin
- 18.70%
- Net margin
- 12.33%
Key ratios & quality
- Enterprise valuei
- 1.70B
- Altman Z-Scorei
- 1.02
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 5.59B | 5.29B | 4.84B | 5.07B | 4.48B | 4.36B | 4.21B | 4.05B |
| Gross profit | 2.29B | 2.21B | 2.01B | 2.17B | 1.85B | 1.69B | 1.59B | 1.50B |
| Selling & admin expenses | 1.17B | 1.27B | 1.04B | 1.05B | 964.20M | 867.80M | 863.40M | 742.80M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 1.12B | 934.00M | 967.30M | 1.12B | 884.90M | 817.50M | 725.80M | 757.30M |
| Pretax profit | 991.40M | 1.32B | 855.10M | 935.40M | 1.01B | 745.80M | 618.60M | 625.70M |
| Tax | 139.50M | 263.10M | 110.80M | 129.60M | 98.00M | 119.80M | -315.60M | 126.10M |
| Net profit | 851.90M | 1.06B | 744.30M | 805.80M | 910.60M | 626.00M | 934.20M | 499.60M |
| Basic EPS | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 2 |
| Diluted EPS | 1.87 | 2.46 | 1.79 | 1.97 | 2.34 | 1.68 | 2.74 | 1.52 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 983.60M | 1.03B | 1.03B | 1.01B | 982.70M | 1.01B |
| Gross profit | 364.40M | 383.30M | 389.40M | 363.00M | 327.80M | 336.50M |
| Selling & admin expenses | 187.00M | 190.60M | 187.50M | 177.70M | 204.80M | 204.40M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 177.40M | 192.70M | 201.90M | 185.30M | 123.00M | 132.10M |
| Pretax profit | 147.30M | 159.70M | 167.60M | 151.10M | 90.10M | 95.40M |
| Tax | 23.80M | 37.60M | 28.00M | 36.70M | 25.40M | 18.70M |
| Net profit | 123.50M | 122.10M | 139.60M | 114.40M | 64.70M | 76.70M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.36 | 0.37 | 0.43 | 0.36 | 0.20 | 0.24 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 4.95B | 4.95B | 5.51B | 2.63B | 1.55B | 1.56B | 5.17B | 5.00B |
| Cash & ST investments | 3.43B | 3.52B | 4.11B | 1.21B | 1.29B | 1.27B | 3.44B | 3.08B |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 9.00B | 8.76B | 9.50B | 8.82B | 8.50B | 8.20B | 8.37B | 8.31B |
| Total current liabilities | 6.06B | 5.18B | 5.41B | 2.23B | 1.55B | 1.52B | 726.80M | 4.43B |
| Short-term debt | 625.00M | 245.00M | 80.00M | 275.00M | 180.00M | 364.90M | -- | 434.90M |
| Long-term debt | 2.81B | 2.98B | 2.99B | 2.73B | 2.44B | 2.14B | 2.94B | 2.44B |
| Total liabilities | 9,306,600,000.00 | 8,798,000,000.00 | 9,309,700,000.00 | 8,467,900,000.00 | 8,018,500,000.00 | 7,719,800,000.00 | 7,401,600,000.00 | 7,348,100,000.00 |
| Total equity | -309.80M | -39.50M | 186.60M | 355.60M | 477.80M | 479.00M | 968.90M | 957.80M |
| Retained earnings | -838.80M | -675.90M | -543.10M | -537.20M | -353.90M | -389.10M | 35.20M | -11.50M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 4.81B | 4.41B | 4.22B | 5.00B | 4.45B | 4.30B |
| Cash & ST investments | 2.89B | 2.86B | 2.82B | 3.08B | 2.93B | 2.79B |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 8.34B | 7.98B | 7.78B | 8.31B | 8.10B | 7.97B |
| Total current liabilities | 4.52B | 4.13B | 3.90B | 4.43B | 4.35B | 4.09B |
| Short-term debt | 350.00M | 307.30M | 149.70M | 434.90M | 334.00M | 245.10M |
| Long-term debt | 2.44B | 2.44B | 2.44B | 2.44B | 2.29B | 2.45B |
| Total liabilities | 7,398,500,000.00 | 7,100,700,000.00 | 6,858,600,000.00 | 7,348,100,000.00 | 7,189,700,000.00 | 7,053,900,000.00 |
| Total equity | 939.40M | 883.60M | 925.40M | 957.80M | 910.50M | 914.70M |
| Retained earnings | -3.40M | -35.20M | -24.40M | -11.50M | -76.90M | -83.80M |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 821.30M | 914.60M | 877.50M | 1.05B | 581.60M | 783.10M | 406.30M | 543.70M |
| Depreciation & amortization | 264.70M | 257.70M | 225.60M | 208.20M | 183.80M | 183.60M | 179.10M | 165.40M |
| Free cash flow | 482.30M | 786.90M | 720.70M | 830.70M | 373.40M | 635.30M | 275.70M | 392.90M |
| Dividends paid | -341.70M | -340.80M | -370.30M | -381.60M | -364.20M | -349.00M | -321.50M | -309.00M |
| Stock buybacks / issuance | -412.40M | -552.60M | -239.70M | -409.90M | -369.90M | -308.40M | -186.20M | -234.60M |
| Ending cash balance | 979.70M | 1.83B | 2.14B | 2.11B | 2.04B | 1.79B | 2.11B | 1.64B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 148.20M | -300.00K | 260.40M | 135.40M | 109.00M | 104.90M |
| Depreciation & amortization | 41.90M | 40.20M | 41.30M | 42.00M | 46.70M | 49.30M |
| Free cash flow | 123.80M | -29.30M | 213.10M | 85.30M | 62.20M | 63.50M |
| Dividends paid | -82.30M | -76.80M | -75.50M | -74.40M | -79.40M | -73.40M |
| Stock buybacks / issuance | -76.70M | -79.50M | -52.30M | -26.10M | -52.90M | -11.10M |
| Ending cash balance | 1.45B | 1.40B | 1.38B | 1.64B | 1.48B | 1.36B |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | -- | -- | 1,011.96 | 297.23 | 218.53 | 130.85 | 129.04 | 51.86 |
| ROA %i | 9.35 | 11.92 | 8.15 | 8.80 | 10.52 | 7.50 | 11.28 | 5.99 |
| ROIC %i | -- | -- | 24.41 | 26.13 | 29.89 | 21.91 | 29.48 | 14.13 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- | 357.52 | 165.50 |
| EBIT margin %i | 20.41 | 27.84 | 20.14 | 20.53 | 24.79 | 19.53 | 17.54 | 18.98 |
| FCF / sales %i | 8.63 | 14.87 | 14.91 | 16.38 | 8.34 | 14.58 | 6.55 | 9.70 |
| Current ratioi | 0.82 | 0.95 | 1.02 | 1.18 | 1.00 | 1.02 | 7.12 | 1.13 |
| Quick ratioi | 0.79 | 0.92 | 0.97 | 0.54 | 0.83 | 0.83 | 6.65 | 1.06 |
| Debt / assetsi | 38.17 | 39.64 | 34.77 | 36.40 | 30.80 | 32.53 | 37.42 | 37.37 |
| LT debt / equityi | -- | -- | 1,726.74 | 825.76 | 510.00 | 480.58 | 323.25 | 278.62 |
| Interest coveragei | 7.63 | 9.69 | 8.22 | 9.87 | 10.99 | 8.08 | 6.16 | 5.38 |
| Revenue CAGR (3Y) %i | 0.64 | -0.81 | -4.35 | -3.20 | -5.43 | -3.41 | -6.02 | -3.27 |
| Net income CAGR (3Y) %i | 0.56 | 61.08 | -- | -1.84 | -4.89 | -5.61 | 5.05 | -18.14 |
| FCF CAGR (3Y) %i | -15.68 | -1.05 | 8.46 | 19.87 | -22.00 | -4.12 | -30.76 | 1.71 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 136.84 | 135.32 | 97.70 | 51.86 | 47.66 | 43.97 |
| ROA %i | 11.16 | 11.23 | 9.97 | 5.99 | 5.36 | 4.96 |
| ROIC %i | 30.03 | 29.45 | 25.65 | 14.13 | 15.09 | 13.96 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 17.43 | 17.60 | 18.51 | 18.98 | 17.66 | 16.19 |
| FCF / sales %i | 8.22 | 9.13 | 9.82 | 9.70 | 8.18 | 10.51 |
| Current ratioi | 1.06 | 1.07 | 1.08 | 1.13 | 1.02 | 1.05 |
| Quick ratioi | 1.06 | 1.07 | 1.08 | 1.06 | 1.02 | 1.05 |
| Debt / assetsi | 33.48 | 34.43 | 33.30 | 37.37 | 32.39 | 33.85 |
| LT debt / equityi | 259.88 | 276.36 | 263.94 | 278.62 | 251.43 | 268.08 |
| Interest coveragei | 5.72 | 5.48 | 5.55 | 5.38 | 4.88 | 4.37 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Single-engine
- Consumer Money Transfer is the largest reported line at 85.48% of revenue, across 2 reported segments.
- The next-largest line, Consumer Services, is a distant second at 14.52% - a sharp slowdown here would have little to offset it.
Revenue breakdown most recent period
Business
Consumer Money Transfer85.48%
Consumer Services14.52%
Quote time 2026-10-08 05:24:48 · For reference only, not investment advice and not tailored to your situation.