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The Western Union CoWU +6.47%64 EV-to-FCF is 7.45 as of Jul. 18, 2026, which is 39% below its 10-year median of 12.18. GuruFocus rates WU with a GF Score™ of 64/100 and a GF Value™ of $11.69 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 263 Credit Services companies, The Western Union Co ranks better than 66.16% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, The Western Union Co's Enterprise Value is $2,469 Mil.
The Western Union Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $331 Mil. Therefore, The Western Union Co's EV-to-FCF for today is 7.45.
The historical rank and industry rank for The Western Union Co's EV-to-FCF or its related term are showing as below:
WU'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.78 Med: 12.18 Max: 28.25
Current: 7.45
During the past 13 years, the highest EV-to-FCF of The Western Union Co was 28.25. The lowest was 5.78. And the median was 12.18.
WU's EV-to-FCF is ranked better than 66.16% of 263
companies
in the Credit Services industry
Industry Median: 13.68
vs WU: 7.45
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (NYSE:WU) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $8.88.
The Western Union Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.360.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
The Western Union Co EV-to-FCF Related Terms
The Western Union Co EV-to-FCF Historical Data
* Premium members only.
The historical data trend for The Western Union Co's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where The Western Union Co's EV-to-FCF falls into.
The Western Union Co's current Enterprise Value is $2,469 Mil.
The Western Union Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $331 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-FCF of 7.45 as of Jul. 18, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on The Western Union Co and its competitors. This is 39% below median its historical median of 12.18. Over the past decade, The Western Union Co's EV-to-FCF has ranged from 5.78 to 28.25. According to the industry distribution chart, The Western Union Co ranks #89 out of 263 companies in the Credit Services industry, placing it in the top 33.8%.
Is The Western Union Co's EV-to-FCF too high?
The Western Union Co's current EV-to-FCF of 7.45 is 39% below median its 10-year median of 12.18. Over the past 10 years, this metric has ranged from a low of 5.78 to a high of 28.25. The Credit Services industry median EV-to-FCF is 13.68. The Western Union Co's value of 7.45 is 45.5% below this industry median. Based on the distribution chart, The Western Union Co ranks #89 out of 263 companies in the Credit Services industry, which is above the industry midpoint. Overall, The Western Union Co has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Western Union Co's EV-to-FCF compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #89 out of 263 companies for EV-to-FCF. This puts The Western Union Co in the upper half of its industry. The industry median EV-to-FCF is 13.68. The Western Union Co's value of 7.45 is 45.5% below this benchmark. Historically, The Western Union Co's own EV-to-FCF has ranged from 5.78 to 28.25 over the past decade. While the company's 10-year median is 12.18 vs. the industry median of 13.68, 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-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.68, based on 263 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF of 7.45 is 45.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.68 — 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-FCF is 7.45, which is 39% below median its own 10-year median of 12.18. 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 Modestly Undervalued. The stock's GF Value™ is $11.69, compared to a current price of $8.88 — trading 24% below its estimated fair value. The current EV-to-FCF is 7.45, which is 39% below median its 10-year median of 12.18 and 45.5% below the Credit Services industry median of 13.68. The Western Union Co's overall GF Score™ is 64/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For The Western Union Co (WU), the current EV-to-FCF is 7.45 as of Jul. 18, 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 $8.88 is trading 24% below its estimated GF Value™ of $11.69.
GuruFocus considers The Western Union Co to be Modestly Undervalued.
Key valuation signals for WU:
EV-to-FCF: 7.45 (39% below median its 10-year median of 12.18)
GF Value™: $11.69 vs. price of $8.88 (24% below fair value)
Industry Position: 45.5% below the Credit Services median (#89 of 263)
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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