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Western Union

NYQ:WU · US9598021098
Diversified Financial ServicesLarge

360

67
Medium confidence — indicative
EV / EBIT93
Price / Owner Earnings97
Owner Earnings Yield57
Dividend Yield100
Price/Sales80
EV / Gross Profit61
Price/Book50
Returns on capital76
Profit margins58
Cash Conversion25
Accruals28
Owner Earnings Margin59
Sales growth27
Profit Growth66
Long-Term EPS Growth38
Owner Earnings Growth20
Reinvestment69
Price momentum60
Debt load10
Debt serviceability93
Liquidity51
Analyst ratings1
Opinion Changes50
Price Target Upside23
Market mood9
Value Creation12/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Western Union clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUSA
IndustryDiversified Financial Services
SizeLarge
TypePublic Company
ExchangeNYSE
Founded2006
Employees9,805
Websitewesternunion.com/corporate/about-us.html
ISINUS9598021098
Last UpdateApr 2, 2026
Index & Theme
Online PaymentsFintechDigital MediaPayment Facilitator EnablersElectronic Money Institutions (EMIs)InternetMobile PaymentsPayments

Description

The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. The company is empowering consumers, businesses, financial institutions, and governments with fast, reliable, and con…

Analysis

Bargain bin

The Western Union Company is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 4.0×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -17% a year, against analyst forecasts of 4%. The price, in other words, assumes less than the experts do.

Growth is tepid; the safety picture is adequate. The company scores 12/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
61
2023202420252026

All-time high

61

Jun 2026

All-time low

40

May 2025

Average rank

44

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
80
79
81
85
Price/Earnings
89
97
94
100
Price/Book
50
54
23
11
Dividend Yield
100
100
100
100
Value (overall)
98
94
98
96

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →