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The Western Union CoLTS:0LVJ +9.36%68 Days Payable is 55.16 as of Jun. 2026, which is 17% below its 10-year median of 66.26. GuruFocus rates LTS:0LVJ with a GF Score™ of 68/100 and a GF Value™ of $11.03 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 302 Credit Services companies, The Western Union Co ranks better than 59.27% on this metric.
The historical rank and industry rank for The Western Union Co's Days Payable or its related term are showing as below:
LTS:0LVJ'
s Days Payable Range Over the Past 10 Years
Min: 56.94 Med: 66.26 Max: 100.59
Current: 56.94
During the past 13 years, The Western Union Co's highest Days Payable was 100.59. The lowest was 56.94. And the median was 66.26.
LTS:0LVJ's Days Payable is ranked better than 59.27% of 302
companies
in the Credit Services industry
Industry Median: 33.455
vs LTS:0LVJ: 56.94
The Western Union Co's Days Payable
increased
from Jun. 2025 (54.21) to Jun. 2026 (55.16).
It may suggest that The Western Union Codelayed paying its suppliers.
The historical data trend for The Western Union Co's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LTS:0LVJ vs UPST, AGM.A, ECPG: Days Payable Comparison
For the Credit Services subindustry, The Western Union Co's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
The Western Union Co Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's Days Payable distribution charts can be found below:
* The bar in red indicates where The Western Union Co's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
The Western Union Co's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
The Western Union Co (LTS:0LVJ) has a Days Payable of 55.16 as of Jun. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on The Western Union Co and its competitors. This is 17% below median its historical median of 66.26. Over the past decade, The Western Union Co's Days Payable has ranged from 56.94 to 100.59. According to the industry distribution chart, The Western Union Co ranks #123 out of 302 companies in the Credit Services industry, placing it in the top 40.7%.
Is The Western Union Co's Days Payable too high?
The Western Union Co's current Days Payable of 55.16 is 17% below median its 10-year median of 66.26. Over the past 10 years, this metric has ranged from a low of 56.94 to a high of 100.59. The Credit Services industry median Days Payable is 33.46. The Western Union Co's value of 55.16 is 64.9% above this industry median. Based on the distribution chart, The Western Union Co ranks #123 out of 302 companies in the Credit Services industry, which is above the industry midpoint. Overall, The Western Union Co has a GF Score™ of 68/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does The Western Union Co's Days Payable compare to UPST and AGM.A?
According to the Credit Services industry distribution chart, The Western Union Co ranks #123 out of 302 companies for Days Payable. This puts The Western Union Co in the upper half of its industry. The industry median Days Payable is 33.46. The Western Union Co's value of 55.16 is 64.9% above this benchmark. Historically, The Western Union Co's own Days Payable has ranged from 56.94 to 100.59 over the past decade. While the company's 10-year median is 66.26 vs. the industry median of 33.46, The Western Union Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.46, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current Days Payable of 55.16 is 64.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median Days Payable is 33.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current Days Payable is 55.16, which is 17% below median its own 10-year median of 66.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Western Union Co stock overvalued right now?
Based on GuruFocus' analysis, The Western Union Co (LTS:0LVJ) is currently considered Possible Value Trap. The stock's GF Value™ is $11.03, compared to a current price of $7.14 — trading 35.3% below its estimated fair value. The current Days Payable is 55.16, which is 17% below median its 10-year median of 66.26 and 64.9% above the Credit Services industry median of 33.46. The Western Union Co's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For The Western Union Co (LTS:0LVJ), the current Days Payable is 55.16 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is The Western Union Co (LTS:0LVJ) Overvalued in 2026?
Based on GuruFocus' analysis, The Western Union Co stock appears to be undervalued.
The current stock price of $7.14 is trading 35.3% below its estimated GF Value™ of $11.03.
GuruFocus considers The Western Union Co to be Possible Value Trap.
Key valuation signals for LTS:0LVJ:
Days Payable: 55.16 (17% below median its 10-year median of 66.26)
GF Value™: $11.03 vs. price of $7.14 (35.3% below fair value)
Industry Position: 64.9% above the Credit Services median (#123 of 302)
No single metric tells the full story. See the LTS:0LVJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
68GF Score
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