The Western Union CoBSP:WUNI34 -1.71%69 Gross Margin % is 33.36% as of Mar. 2026, which is 17% below its 10-year median of 40.36. GuruFocus rates BSP:WUNI34 with a GF Score™ of 69/100 and a GF Value™ of R$60.03 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 386 Credit Services companies, The Western Union Co ranks worse than 67.1% on this metric.
The Western Union Co gross margin has been in long-term decline. The average rate of decline per year is -2.9%.
The historical rank and industry rank for The Western Union Co's Gross Margin % or its related term are showing as below:
BSP:WUNI34'
s Gross Margin % Range Over the Past 10 Years
Min: 36.14 Med: 40.36 Max: 42.88
Current: 36.14
During the past 13 years, the highestGross Margin % of The Western Union Co was 42.88%. The lowest was 36.14%. And the median was 40.36%.
BSP:WUNI34's Gross Margin % is ranked worse than 67.1% of 386
companies
in the Credit Services industry
Industry Median: 51.845
vs BSP:WUNI34: 36.14
The Western Union Co had a gross margin of 33.36% for the quarter that ended in Mar. 2026 => Competition eroding margins
The 5-Year average Growth Rate of Gross Margin for The Western Union Co was -2.90% per year.
The Western Union Co (BSP:WUNI34) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
The Western Union Co had a gross margin of 33.36% for the quarter that ended in Mar. 2026 => Competition eroding margins
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
The Western Union Co Gross Margin % Related Terms
The Western Union Co Gross Margin % Historical Data
* Premium members only.
The historical data trend for The Western Union Co's Gross 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: Gross Margin % Comparison
For the Credit Services subindustry, The Western Union Co's Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's Gross Margin % distribution charts can be found below:
* The bar in red indicates where The Western Union Co's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
The Western Union Co (BSP:WUNI34) has a Gross Margin % of 33.36% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on The Western Union Co and its competitors. This is 17% below median its historical median of 40.36. Over the past decade, The Western Union Co's Gross Margin % has ranged from 36.14 to 42.88. According to the industry distribution chart, The Western Union Co ranks #259 out of 386 companies in the Credit Services industry, placing it in the top 67.1%.
Is The Western Union Co's Gross Margin % too high?
The Western Union Co's current Gross Margin % of 33.36% is 17% below median its 10-year median of 40.36. Over the past 10 years, this metric has ranged from a low of 36.14 to a high of 42.88. The Credit Services industry median Gross Margin % is 51.85. The Western Union Co's value of 33.36% is 35.7% below this industry median. Based on the distribution chart, The Western Union Co ranks #259 out of 386 companies in the Credit Services industry, which is below 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 Gross Margin % compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #259 out of 386 companies for Gross Margin %. This places The Western Union Co in the lower half of its industry. The industry median Gross Margin % is 51.85. The Western Union Co's value of 33.36% is 35.7% below this benchmark. Historically, The Western Union Co's own Gross Margin % has ranged from 36.14 to 42.88 over the past decade. While the company's 10-year median is 40.36 vs. the industry median of 51.85, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 386 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current Gross Margin % of 33.36% is 35.7% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current Gross Margin % is 33.36%, which is 17% below median its own 10-year median of 40.36. 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$60.03, compared to a current price of R$40.82 — trading 32% below its estimated fair value. The current Gross Margin % is 33.36%, which is 17% below median its 10-year median of 40.36 and 35.7% below the Credit Services industry median of 51.85. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For The Western Union Co (BSP:WUNI34), the current Gross Margin % is 33.36% 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$40.82 is trading 32% below its estimated GF Value™ of R$60.03.
GuruFocus considers The Western Union Co to be Possible Value Trap.
Key valuation signals for BSP:WUNI34:
Gross Margin %: 33.36% (17% below median its 10-year median of 40.36)
GF Value™: R$60.03 vs. price of R$40.82 (32% below fair value)
Industry Position: 35.7% below the Credit Services median (#259 of 386)
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
Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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