The Western Union CoBSP:WUNI34 +2.25%69 Net Margin % is 6.58% as of Mar. 2026, which is 57% below its 10-year median of 15.32. 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 533 Credit Services companies, The Western Union Co ranks worse than 58.54% on this metric.
The historical rank and industry rank for The Western Union Co's Net Margin % or its related term are showing as below:
BSP:WUNI34'
s Net Margin % Range Over the Past 10 Years
Min: -10.08 Med: 15.32 Max: 22.19
Current: 10.88
BSP:WUNI34's Net Margin % is ranked worse than 58.54% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs BSP:WUNI34: 10.88
The Western Union Co (BSP:WUNI34) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
The Western Union Co Net Margin % Related Terms
The Western Union Co Net Margin % Historical Data
* Premium members only.
The historical data trend for The Western Union Co's Net 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: Net Margin % Comparison
For the Credit Services subindustry, The Western Union Co's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where The Western Union Co's Net 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 Net Margin % of 6.58% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on The Western Union Co and its competitors. This is 57% below median its historical median of 15.32. According to the industry distribution chart, The Western Union Co ranks #312 out of 533 companies in the Credit Services industry, placing it in the top 58.5%.
Is The Western Union Co's Net Margin % too high?
The Western Union Co's current Net Margin % of 6.58% is 57% below median its 10-year median of 15.32. The Credit Services industry median Net Margin % is 14.54. The Western Union Co's value of 6.58% is 54.7% below this industry median. Based on the distribution chart, The Western Union Co ranks #312 out of 533 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 Net Margin % compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #312 out of 533 companies for Net Margin %. This places The Western Union Co in the lower half of its industry. The industry median Net Margin % is 14.54. The Western Union Co's value of 6.58% is 54.7% below this benchmark. While the company's 10-year median is 15.32 vs. the industry median of 14.54, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current Net Margin % of 6.58% is 54.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current Net Margin % is 6.58%, which is 57% below median its own 10-year median of 15.32. 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 Net Margin % is 6.58%, which is 57% below median its 10-year median of 15.32 and 54.7% below the Credit Services industry median of 14.54. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For The Western Union Co (BSP:WUNI34), the current Net Margin % is 6.58% 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:
Net Margin %: 6.58% (57% below median its 10-year median of 15.32)
GF Value™: R$59.88 vs. price of R$38.69 (35.4% below fair value)
Industry Position: 54.7% below the Credit Services median (#312 of 533)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:WUNI34 has been successfully added to your 
