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During the past 12 months, The Western Union Co's average EBITDA Per Share Growth Rate was -1.10% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was -5.00% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was -1.80% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 3.80% 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 average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of The Western Union Co was 37.80% per year. The lowest was -26.10% per year. And the median was 0.55% per year.
The Western Union Co (NYSE:WU) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
The Western Union Co 3-Year EBITDA Growth Rate Related Terms
WU vs AGM.A, ECPG, EZPW: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, The Western Union Co's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where The Western Union Co's 3-Year EBITDA Growth Rate falls into.
The Western Union Co 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of -5.00% mean?
The Western Union Co (WU) has a 3-Year EBITDA Growth Rate of -5.00% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for The Western Union Co and its competitors. According to the industry distribution chart, The Western Union Co ranks #231 out of 321 companies in the Credit Services industry, placing it in the top 72%.
Is The Western Union Co's 3-Year EBITDA Growth Rate too high?
The Western Union Co's current 3-Year EBITDA Growth Rate is -5.00%. Based on the distribution chart, The Western Union Co ranks #231 out of 321 companies in the Credit Services industry, which is below the industry midpoint. Overall, The Western Union Co has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does The Western Union Co's 3-Year EBITDA Growth Rate compare to AGM.A and ECPG?
According to the Credit Services industry distribution chart, The Western Union Co ranks #231 out of 321 companies for 3-Year EBITDA Growth Rate. This places The Western Union Co in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.10, based on 321 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for The Western Union Co and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current 3-Year EBITDA Growth Rate is -5.00%. 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 (WU) is currently considered Possible Value Trap. The stock's GF Value™ is $11.09, compared to a current price of $7.24 — trading 34.7% below its estimated fair value. The current 3-Year EBITDA Growth Rate is -5.00%. The Western Union Co's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For The Western Union Co (WU), the current 3-Year EBITDA Growth Rate is -5.00% 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 (WU) Overvalued in 2026?
Based on GuruFocus' analysis, The Western Union Co stock appears to be undervalued.
The current stock price of $7.24 is trading 34.7% below its estimated GF Value™ of $11.09.
GuruFocus considers The Western Union Co to be Possible Value Trap.
Key valuation signals for WU:
3-Year EBITDA Growth Rate: -5.00%
GF Value™: $11.09 vs. price of $7.24 (34.7% below fair value)
No single metric tells the full story. See the WU 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.
63GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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