The Western Union CoBSP:WUNI34 -1.71%69 Interest Coverage is 3.40 as of Mar. 2026, which is 52% below its 10-year median of 7.06. GuruFocus rates BSP:WUNI34 with a GF Score™ of 69/100 and a GF Value™ of R$59.57 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 164 Credit Services companies, The Western Union Co ranks worse than 75% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. The Western Union Co's
Operating Income
for the
three
months ended in Mar. 2026 was R$643 Mil. The Western Union Co's Interest Expense for the
three
months ended in Mar. 2026 was R$-189 Mil.
The Western Union Co's interest coverage for the quarter that ended in Mar. 2026 was 3.40.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for The Western Union Co's Interest Coverage or its related term are showing as below:
BSP:WUNI34'
s Interest Coverage Range Over the Past 10 Years
Min: 3.19 Med: 7.06 Max: 10.65
Current: 4.79
BSP:WUNI34's Interest Coverage is ranked worse than 75% of 164
companies
in the Credit Services industry
Industry Median: 49.41
vs BSP:WUNI34: 4.79
The Western Union Co (BSP:WUNI34) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
The Western Union Co Interest Coverage Related Terms
The Western Union Co Interest Coverage Historical Data
* Premium members only.
The historical data trend for The Western Union Co's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
BSP:WUNI34 vs AGM.A, EZPW, ECPG: Interest Coverage Comparison
For the Credit Services subindustry, The Western Union Co's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where The Western Union Co's Interest Coverage falls into.
The Western Union Co Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 3.40 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on The Western Union Co and its competitors. This is 52% below median its historical median of 7.06. Over the past decade, The Western Union Co's Interest Coverage has ranged from 3.19 to 10.65. According to the industry distribution chart, The Western Union Co ranks #123 out of 164 companies in the Credit Services industry, placing it in the top 75%.
Is The Western Union Co's Interest Coverage too high?
The Western Union Co's current Interest Coverage of 3.40 is 52% below median its 10-year median of 7.06. Over the past 10 years, this metric has ranged from a low of 3.19 to a high of 10.65. The Credit Services industry median Interest Coverage is 49.41. The Western Union Co's value of 3.40 is 93.1% below this industry median. Based on the distribution chart, The Western Union Co ranks #123 out of 164 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 Interest Coverage compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #123 out of 164 companies for Interest Coverage. This places The Western Union Co in the lower half of its industry. The industry median Interest Coverage is 49.41. The Western Union Co's value of 3.40 is 93.1% below this benchmark. Historically, The Western Union Co's own Interest Coverage has ranged from 3.19 to 10.65 over the past decade. While the company's 10-year median is 7.06 vs. the industry median of 49.41, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 49.41, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current Interest Coverage of 3.40 is 93.1% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median Interest Coverage is 49.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current Interest Coverage is 3.40, which is 52% below median its own 10-year median of 7.06. 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$59.57, compared to a current price of R$40.82 — trading 31.5% below its estimated fair value. The current Interest Coverage is 3.40, which is 52% below median its 10-year median of 7.06 and 93.1% below the Credit Services industry median of 49.41. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For The Western Union Co (BSP:WUNI34), the current Interest Coverage is 3.40 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 31.5% below its estimated GF Value™ of R$59.57.
GuruFocus considers The Western Union Co to be Possible Value Trap.
Key valuation signals for BSP:WUNI34:
Interest Coverage: 3.40 (52% below median its 10-year median of 7.06)
GF Value™: R$59.57 vs. price of R$40.82 (31.5% below fair value)
Industry Position: 93.1% below the Credit Services median (#123 of 164)
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
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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