The Western Union Co (BSP:WUNI34) E10: R$9.36 (As of Mar. 2026)


BSP:WUNI34 The Western Union Co BSP:WUNI34
69 GF Score
Price R$41.53
GF Value R$60.61
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is The Western Union Co E10?

The Western Union Co BSP:WUNI34 +1.37% 69 E10 is R$9.36 as of Mar. 2026. GuruFocus rates BSP:WUNI34 with a GF Score™ of 69/100 and a GF Value™ of R$60.61 (Possible Value Trap). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

The Western Union Co's adjusted earnings per share data for the three months ended in Mar. 2026 was R$1.046. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is R$9.36 for the trailing ten years ended in Mar. 2026.

During the past 12 months, The Western Union Co's average E10 Growth Rate was -1.10% per year. During the past 3 years, the average E10 Growth Rate was 2.40% per year. During the past 5 years, the average E10 Growth Rate was 4.30% per year. During the past 10 years, the average E10 Growth Rate was 3.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of The Western Union Co was 6.10% per year. The lowest was -6.00% per year. And the median was 3.70% per year.

As of today (2026-07-03), The Western Union Co's current stock price is R$41.53. The Western Union Co's E10 for the quarter that ended in Mar. 2026 was R$9.36. The Western Union Co's Shiller PE Ratio of today is 4.44.

During the past 13 years, the highest Shiller PE Ratio of The Western Union Co was 19.56. The lowest was 3.98. And the median was 12.84.


The Western Union Co  (BSP:WUNI34) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

The Western Union Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=41.53/9.36
=4.44

* 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.

During the past 13 years, the highest Shiller P/E Ratio of The Western Union Co was 19.56. The lowest was 3.98. And the median was 12.84.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


The Western Union Co E10 Related Terms


The Western Union Co E10 Historical Data

* Premium members only.

The historical data trend for The Western Union Co's E10 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.

The Western Union Co E10 Chart

The Western Union Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.60 8.55 8.19 11.14 9.98

The Western Union Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.31 10.18 9.60 9.98 9.36

BSP:WUNI34 vs AGM.A, EZPW, ECPG: E10 Comparison

For the Credit Services subindustry, The Western Union Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, The Western Union Co's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where The Western Union Co's Shiller PE Ratio falls into.


BSP:WUNI34
69GF Score
The Western Union Co BSP:WUNI34
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The Western Union Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, The Western Union Co's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.046/330.2130*330.2130
=1.046

Current CPI (Mar. 2026) = 330.2130.

The Western Union Co Quarterly Data

per share eps CPI Adj_EPS
201606 1.438 241.018 1.970
201609 1.431 241.428 1.957
201612 -2.448 241.432 -3.348
201703 1.032 243.801 1.398
201706 1.153 244.955 1.554
201709 1.598 246.819 2.138
201712 -8.040 246.524 -10.769
201803 1.508 249.554 1.995
201806 1.772 251.989 2.322
201809 1.890 252.439 2.472
201812 1.864 251.233 2.450
201903 1.498 254.202 1.946
201906 5.475 256.143 7.058
201909 1.318 256.759 1.695
201912 1.313 256.974 1.687
202003 2.052 258.115 2.625
202006 2.023 257.797 2.591
202009 2.970 260.280 3.768
202012 2.212 260.474 2.804
202103 2.479 264.877 3.090
202106 2.715 271.696 3.300
202109 3.009 274.310 3.622
202112 2.375 278.802 2.813
202203 3.683 287.504 4.230
202206 2.524 296.311 2.813
202209 2.360 296.808 2.626
202212 3.410 296.797 3.794
202303 2.083 301.836 2.279
202306 2.281 305.109 2.469
202309 2.272 307.789 2.438
202312 1.715 306.746 1.846
202403 2.042 312.332 2.159
202406 2.208 314.175 2.321
202409 4.319 315.301 4.523
202412 6.894 315.605 7.213
202503 2.073 319.799 2.141
202506 2.052 322.561 2.101
202509 2.306 324.800 2.344
202512 1.964 324.054 2.001
202603 1.046 330.213 1.046

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of R$9.36 mean?
The Western Union Co (BSP:WUNI34) has a E10 of R$9.36 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on The Western Union Co and its competitors.
Is The Western Union Co's E10 too high?
The Western Union Co's current E10 is R$9.36. Overall, The Western Union Co has a GF Score™ of 69/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does The Western Union Co's E10 compare to AGM.A and EZPW?
The Western Union Co's E10 of R$9.36 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on The Western Union Co and its competitors. The Western Union Co's current E10 is R$9.36. 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 (BSP:WUNI34) is currently considered Possible Value Trap. The stock's GF Value™ is R$60.61, compared to a current price of R$41.53 — trading 31.5% below its estimated fair value. The current E10 is R$9.36. The Western Union Co's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For The Western Union Co (BSP:WUNI34), the current E10 is R$9.36 as of Mar. 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 (BSP:WUNI34) Overvalued in 2026?

Based on GuruFocus' analysis, The Western Union Co stock appears to be undervalued. The current stock price of R$41.53 is trading 31.5% below its estimated GF Value™ of R$60.61. GuruFocus considers The Western Union Co to be Possible Value Trap.

Key valuation signals for BSP:WUNI34:

  • E10: R$9.36
  • GF Value™: R$60.61 vs. price of R$41.53 (31.5% below fair value)
  • GF Score™: 69/100 with 6 warning signs

No single metric tells the full story. See the BSP:WUNI34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


The Western Union Co Business Description

Address 7001 East Belleview Avenue, Denver, CO, USA, 80237
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.
69GF Score

Get the complete analysis for BSP:WUNI34

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$41.53
Price
R$60.61
GF Value