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The Western Union CoWU -1.38%64 EV-to-EBITDA is 2.57 as of Aug. 07, 2026, which is 56% below its 10-year median of 5.86. GuruFocus rates WU with a GF Score™ of 64/100 and a GF Value™ of $11.06 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 328 Credit Services companies, The Western Union Co ranks better than 93.29% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, The Western Union Co's enterprise value is $2,137 Mil.
The Western Union Co's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was $833 Mil. Therefore, The Western Union Co's EV-to-EBITDA for today is 2.57.
The historical rank and industry rank for The Western Union Co's EV-to-EBITDA or its related term are showing as below:
WU'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.2 Med: 5.86 Max: 13.85
Current: 2.57
During the past 13 years, the highest EV-to-EBITDA of The Western Union Co was 13.85. The lowest was 2.20. And the median was 5.86.
WU's EV-to-EBITDA is ranked better than 93.29% of 328
companies
in the Credit Services industry
Industry Median: 21.27
vs WU: 2.57
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The Western Union Co (NYSE:WU) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
The Western Union Co's PE Ratio (TTM) for today is calculated as:
The Western Union Co's share price for today is $7.16.
The Western Union Co's Earnings per Share (Diluted) 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 $1.230.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for The Western Union Co's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where The Western Union Co's EV-to-EBITDA falls into.
The Western Union Co's current Enterprise Value is $2,137 Mil.
The Western Union Co's EBITDA 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 $833 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-EBITDA of 2.57 as of Aug. 07, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on The Western Union Co. This is 56% below median its historical median of 5.86. Over the past decade, The Western Union Co's EV-to-EBITDA has ranged from 2.20 to 13.85. According to the industry distribution chart, The Western Union Co ranks #22 out of 328 companies in the Credit Services industry, placing it in the top 6.7%.
Is The Western Union Co's EV-to-EBITDA too high?
The Western Union Co's current EV-to-EBITDA of 2.57 is 56% below median its 10-year median of 5.86. Over the past 10 years, this metric has ranged from a low of 2.20 to a high of 13.85. The Credit Services industry median EV-to-EBITDA is 21.27. The Western Union Co's value of 2.57 is 87.9% below this industry median. Based on the distribution chart, The Western Union Co ranks #22 out of 328 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 64/100 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-EBITDA compare to UPST and AGM.A?
According to the Credit Services industry distribution chart, The Western Union Co ranks #22 out of 328 companies for EV-to-EBITDA. This places The Western Union Co in the top 7% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 21.27. The Western Union Co's value of 2.57 is 87.9% below this benchmark. Historically, The Western Union Co's own EV-to-EBITDA has ranged from 2.20 to 13.85 over the past decade. While the company's 10-year median is 5.86 vs. the industry median of 21.27, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.27, based on 328 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA 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-EBITDA of 2.57 is 87.9% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on The Western Union Co. For the Credit Services industry, the median EV-to-EBITDA is 21.27 — 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-EBITDA is 2.57, which is 56% below median its own 10-year median of 5.86. 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 $11.06, compared to a current price of $7.16 — trading 35.3% below its estimated fair value. The current EV-to-EBITDA is 2.57, which is 56% below median its 10-year median of 5.86 and 87.9% below the Credit Services industry median of 21.27. The Western Union Co's overall GF Score™ is 64/100 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For The Western Union Co (WU), the current EV-to-EBITDA is 2.57 as of Aug. 07, 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 $7.16 is trading 35.3% below its estimated GF Value™ of $11.06.
GuruFocus considers The Western Union Co to be Possible Value Trap.
Key valuation signals for WU:
EV-to-EBITDA: 2.57 (56% below median its 10-year median of 5.86)
GF Value™: $11.06 vs. price of $7.16 (35.3% below fair value)
Industry Position: 87.9% below the Credit Services median (#22 of 328)
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.
64GF Score
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