The Western Union CoBSP:WUNI34 +2.25%69 EBITDA Margin % is 17.60% as of Mar. 2026, which is 27% below its 10-year median of 24.19. GuruFocus rates BSP:WUNI34 with a GF Score™ of 69/100 and a GF Value™ of R$59.88 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 413 Credit Services companies, The Western Union Co ranks better than 50.85% on this metric.
The Western Union Co (BSP:WUNI34) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
The Western Union Co EBITDA Margin % Related Terms
The Western Union Co EBITDA Margin % Historical Data
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The historical data trend for The Western Union Co's EBITDA Margin % 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.
BSP:WUNI34 vs AGM.A, EZPW, ECPG: EBITDA Margin % Comparison
For the Credit Services subindustry, The Western Union Co's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where The Western Union Co's EBITDA Margin % falls into.
* 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 (BSP:WUNI34) has a EBITDA Margin % of 17.60% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on The Western Union Co and its competitors. This is 27% below median its historical median of 24.19. Over the past decade, The Western Union Co's EBITDA Margin % has ranged from 13.62 to 32.71. According to the industry distribution chart, The Western Union Co ranks #203 out of 413 companies in the Credit Services industry, placing it in the top 49.2%.
Is The Western Union Co's EBITDA Margin % too high?
The Western Union Co's current EBITDA Margin % of 17.60% is 27% below median its 10-year median of 24.19. Over the past 10 years, this metric has ranged from a low of 13.62 to a high of 32.71. The Credit Services industry median EBITDA Margin % is 21.03. The Western Union Co's value of 17.60% is 16.3% below this industry median. Based on the distribution chart, The Western Union Co ranks #203 out of 413 companies in the Credit Services industry, which is above the industry midpoint. 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 EBITDA Margin % compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #203 out of 413 companies for EBITDA Margin %. This puts The Western Union Co in the upper half of its industry. The industry median EBITDA Margin % is 21.03. The Western Union Co's value of 17.60% is 16.3% below this benchmark. Historically, The Western Union Co's own EBITDA Margin % has ranged from 13.62 to 32.71 over the past decade. While the company's 10-year median is 24.19 vs. the industry median of 21.03, The Western Union Co has consistently been below 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.03, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current EBITDA Margin % of 17.60% is 16.3% below 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current EBITDA Margin % is 17.60%, which is 27% below median its own 10-year median of 24.19. 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$59.88, compared to a current price of R$38.69 — trading 35.4% below its estimated fair value. The current EBITDA Margin % is 17.60%, which is 27% below median its 10-year median of 24.19 and 16.3% below the Credit Services industry median of 21.03. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For The Western Union Co (BSP:WUNI34), the current EBITDA Margin % is 17.60% 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$38.69 is trading 35.4% below its estimated GF Value™ of R$59.88.
GuruFocus considers The Western Union Co to be Possible Value Trap.
Key valuation signals for BSP:WUNI34:
EBITDA Margin %: 17.60% (27% below median its 10-year median of 24.19)
GF Value™: R$59.88 vs. price of R$38.69 (35.4% below fair value)
Industry Position: 16.3% below the Credit Services median (#203 of 413)
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.
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
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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