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The Western Union CoWU -0.68%63 EV-to-EBIT is 3.32 as of Aug. 05, 2026, which is 53% below its 10-year median of 7.13. GuruFocus rates WU with a GF Score™ of 63/100 and a GF Value™ of $11.07 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 313 Credit Services companies, The Western Union Co ranks better than 92.01% on this metric.
The Western Union Co (NYSE:WU) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
The Western Union Co's Enterprise Value for the quarter that ended in Jun. 2026 was $2,305 Mil.
The Western Union Co's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $654 Mil.
* 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 EV-to-EBIT Related Terms
The Western Union Co EV-to-EBIT Historical Data
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The historical data trend for The Western Union Co's EV-to-EBIT 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.
For the Credit Services subindustry, The Western Union Co's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where The Western Union Co's EV-to-EBIT falls into.
The Western Union Co's current Enterprise Value is $2,168 Mil.
The Western Union Co's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $654 Mil.
* 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 (WU) has a EV-to-EBIT of 3.32 as of Aug. 05, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on The Western Union Co and its competitors. This is 53% below median its historical median of 7.13. Over the past decade, The Western Union Co's EV-to-EBIT has ranged from 2.73 to 21.91. According to the industry distribution chart, The Western Union Co ranks #25 out of 313 companies in the Credit Services industry, placing it in the top 8%.
Is The Western Union Co's EV-to-EBIT too high?
The Western Union Co's current EV-to-EBIT of 3.32 is 53% below median its 10-year median of 7.13. Over the past 10 years, this metric has ranged from a low of 2.73 to a high of 21.91. The Credit Services industry median EV-to-EBIT is 22.55. The Western Union Co's value of 3.32 is 85.3% below this industry median. Based on the distribution chart, The Western Union Co ranks #25 out of 313 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 EV-to-EBIT compare to UPST and AGM.A?
According to the Credit Services industry distribution chart, The Western Union Co ranks #25 out of 313 companies for EV-to-EBIT. This places The Western Union Co in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 22.55. The Western Union Co's value of 3.32 is 85.3% below this benchmark. Historically, The Western Union Co's own EV-to-EBIT has ranged from 2.73 to 21.91 over the past decade. While the company's 10-year median is 7.13 vs. the industry median of 22.55, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.55, based on 313 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current EV-to-EBIT of 3.32 is 85.3% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current EV-to-EBIT is 3.32, which is 53% below median its own 10-year median of 7.13. 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 $11.07, compared to a current price of $7.26 — trading 34.4% below its estimated fair value. The current EV-to-EBIT is 3.32, which is 53% below median its 10-year median of 7.13 and 85.3% below the Credit Services industry median of 22.55. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For The Western Union Co (WU), the current EV-to-EBIT is 3.32 as of Aug. 05, 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 $7.26 is trading 34.4% below its estimated GF Value™ of $11.07.
GuruFocus considers The Western Union Co to be Possible Value Trap.
Key valuation signals for WU:
EV-to-EBIT: 3.32 (53% below median its 10-year median of 7.13)
GF Value™: $11.07 vs. price of $7.26 (34.4% below fair value)
Industry Position: 85.3% below the Credit Services median (#25 of 313)
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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