The Western Union CoBSP:WUNI34 +2.25%69 FCF Margin % is 6.33% as of Mar. 2026, which is 49% below its 10-year median of 12.41. 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 530 Credit Services companies, The Western Union Co ranks better than 57.55% on this metric.
The historical rank and industry rank for The Western Union Co's FCF Margin % or its related term are showing as below:
BSP:WUNI34'
s FCF Margin % Range Over the Past 10 Years
Min: 6.55 Med: 12.41 Max: 16.38
Current: 8.1
During the past 13 years, the highest FCF Margin % of The Western Union Co was 16.38%. The lowest was 6.55%. And the median was 12.41%.
BSP:WUNI34's FCF Margin % is ranked better than 57.55% of 530
companies
in the Credit Services industry
Industry Median: 0.115
vs BSP:WUNI34: 8.10
The Western Union Co FCF Margin % Related Terms
The Western Union Co FCF Margin % Historical Data
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The historical data trend for The Western Union Co's FCF 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: FCF Margin % Comparison
For the Credit Services subindustry, The Western Union Co's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where The Western Union Co's FCF 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 FCF Margin % of 6.33% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on The Western Union Co and its competitors. This is 49% below median its historical median of 12.41. Over the past decade, The Western Union Co's FCF Margin % has ranged from 6.55 to 16.38. According to the industry distribution chart, The Western Union Co ranks #225 out of 530 companies in the Credit Services industry, placing it in the top 42.5%.
Is The Western Union Co's FCF Margin % too high?
The Western Union Co's current FCF Margin % of 6.33% is 49% below median its 10-year median of 12.41. Over the past 10 years, this metric has ranged from a low of 6.55 to a high of 16.38. The Credit Services industry median FCF Margin % is 0.12. The Western Union Co's value of 6.33% is 5404.3% above this industry median. Based on the distribution chart, The Western Union Co ranks #225 out of 530 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 FCF Margin % compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #225 out of 530 companies for FCF Margin %. This puts The Western Union Co in the upper half of its industry. The industry median FCF Margin % is 0.12. The Western Union Co's value of 6.33% is 5404.3% above this benchmark. Historically, The Western Union Co's own FCF Margin % has ranged from 6.55 to 16.38 over the past decade. While the company's 10-year median is 12.41 vs. the industry median of 0.12, The Western Union Co has consistently been above 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.12, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current FCF Margin % of 6.33% is 5404.3% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median FCF Margin % is 0.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current FCF Margin % is 6.33%, which is 49% below median its own 10-year median of 12.41. 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 FCF Margin % is 6.33%, which is 49% below median its 10-year median of 12.41 and 5404.3% above the Credit Services industry median of 0.12. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For The Western Union Co (BSP:WUNI34), the current FCF Margin % is 6.33% 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:
FCF Margin %: 6.33% (49% below median its 10-year median of 12.41)
GF Value™: R$59.88 vs. price of R$38.69 (35.4% below fair value)
Industry Position: 5404.3% above the Credit Services median (#225 of 530)
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
Get the complete analysis for BSP:WUNI34
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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