Business Description
The Western Union Co
NAICS : 522320
SIC : 7389
ISIN : US9598021098
Total Employee Number:
9,600Description
Western Union provides domestic and international money transfers through its global network of over 500,000 outside agents. The company handled almost 290 million transactions in 2025 and is the largest money transfer company in the world.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 1.12 | |||||
Equity-to-Asset | 0.11 | |||||
Debt-to-Equity | 2.88 | |||||
Debt-to-EBITDA | 2.96 | |||||
Interest Coverage | 4.79 | |||||
Piotroski F-Score | 5/9 | |||||
Altman Z-Score | 1.01 | |||||
Beneish M-Score | -2.65 | |||||
WACC vs ROIC | ||||||
Growth Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 2.4 | |||||
3-Year EBITDA Growth Rate | -5 | |||||
3-Year EPS without NRI Growth Rate | -0.2 | |||||
3-Year FCF Growth Rate | 7.7 | |||||
3-Year Book Growth Rate | 33.4 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 4.72 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 4.52 |
Momentum Rank
1/10
| Name | Current | Vs Industry | Vs History |
|---|
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 1.02 | |||||
Quick Ratio | 1.02 | |||||
Cash Ratio | 0.67 | |||||
Days Sales Outstanding | 144.02 | |||||
Days Payable | 56.81 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Payout Ratio | 0.61 | |||||
3-Year Average Share Buyback Ratio | 5.5 | |||||
Shareholder Yield % | 20.53 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 36.14 | |||||
Operating Margin % | 17.36 | |||||
Net Margin % | 10.88 | |||||
EBITDA Margin % | 21.86 | |||||
FCF Margin % | 8.13 | |||||
OCF Margin % | 12.4 | |||||
ROE % | 47.74 | |||||
ROA % | 5.44 | |||||
ROIC % | 14.14 | |||||
3-Year ROIIC % | 5.1 | |||||
ROC (Joel Greenblatt) % | 577.81 | |||||
ROCE % | 18.65 | |||||
Years of Profitability over Past 10-Year | 9 | |||||
Moat Score | 6 | |||||
Tariff Resilience Score | 10 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 6.01 | |||||
Forward PE Ratio | 6.85 | |||||
PE Ratio without NRI | 5.31 | |||||
Shiller PE Ratio | 4.57 | |||||
Price-to-Owner-Earnings | 14.11 | |||||
PS Ratio | 0.65 | |||||
PB Ratio | 2.81 | |||||
Price-to-Free-Cash-Flow | 7.9 | |||||
Price-to-Operating-Cash-Flow | 5.19 | |||||
EV-to-EBIT | 3.14 | |||||
EV-to-Forward-EBIT | 6.86 | |||||
EV-to-EBITDA | 2.54 | |||||
EV-to-Forward-EBITDA | 5.55 | |||||
EV-to-Revenue | 0.55 | |||||
EV-to-Forward-Revenue | 1.35 | |||||
EV-to-FCF | 6.78 | |||||
Price-to-GF-Value | 0.7 | |||||
Price-to-Projected-FCF | 0.45 | |||||
Price-to-Median-PS-Value | 0.42 | |||||
Earnings Yield (Greenblatt) % | 31.85 | |||||
FCF Yield % | 12.98 | |||||
Forward Rate of Return (Yacktman) % | 12.49 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
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Annualized Return % Â
Total Annual Return % Â
The Western Union Co Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 3,480.613 | ||
| EPS (TTM) (€) | 1.167 | ||
| Beta | -0.052 | ||
| 3-Year Sharpe Ratio | -35.58 | ||
| 3-Year Sortino Ratio | -3.45 | ||
| Volatility % | 3.34 | ||
| 14-Day RSI | - | ||
| 14-Day ATR (€) | - | ||
| 20-Day SMA (€) | 10.306 | ||
| 12-1 Month Momentum % | - | ||
| 52-Week Range (€) | 10.306 - 10.306 | ||
| Shares Outstanding (Mil) | 312.44 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 5 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
The Western Union Co Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
The Western Union Co Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-10-23 16:30 | In 88 days | ||
| Third quarter earnings results for 2026 | 2026-10-23 | In 87 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-30 16:30 | In 3 days | ||
| Second quarter earnings results for 2026 | 2026-07-30 | In 2 days | ||
| USD 0.235000 Cash Dividend | 2026-06-16 | 10.31 (+0.00%) | ||
| Guidance call for 2026 | 2026-05-20 10:00 | 10.31 (+0.00%) | ||
| General meeting for 2026 | 2026-05-14 08:00 | 10.31 (+0.00%) | ||
| First quarter earnings conference call for 2026 | 2026-04-24 08:30 | 10.31 (+0.00%) | ||
| First quarter earnings results for 2026 | 2026-04-24 | 10.31 (+0.00%) | ||
| USD 0.235000 Cash Dividend | 2026-03-17 | 10.31 (+0.00%) |
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The Western Union Co Frequently Asked Questions
What is The Western Union Co(XTER:W3U)'s stock price today?
The current price of XTER:W3U is €10.31. The 52 week high of XTER:W3U is €10.31 and 52 week low is €10.31.
When is next earnings date of The Western Union Co(XTER:W3U)?
The next earnings date of The Western Union Co(XTER:W3U) is 2026-07-30.
Does The Western Union Co(XTER:W3U) pay dividends? If so, how much?
The Western Union Co(XTER:W3U) does not pay dividend.
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