The Western Union CoFRA:W3U +4.49%63 OCF Margin % is 11.09% as of Mar. 2026, which is 31% below its 10-year median of 15.99. GuruFocus rates FRA:W3U with a GF Score™ of 63/100 and a GF Value™ of €10.27 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 531 Credit Services companies, The Western Union Co ranks better than 58.19% on this metric.
The historical rank and industry rank for The Western Union Co's OCF Margin % or its related term are showing as below:
FRA:W3U'
s OCF Margin % Range Over the Past 10 Years
Min: 9.65 Med: 15.99 Max: 20.61
Current: 12.4
During the past 13 years, the highest OCF Margin % of The Western Union Co was 20.61%. The lowest was 9.65%. And the median was 15.99%.
FRA:W3U's OCF Margin % is ranked better than 58.19% of 531
companies
in the Credit Services industry
Industry Median: 2.55
vs FRA:W3U: 12.40
The Western Union Co OCF Margin % Related Terms
The Western Union Co OCF Margin % Historical Data
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The historical data trend for The Western Union Co's OCF 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.
FRA:W3U vs QFIN, EZPW, AGM.A: OCF Margin % Comparison
For the Credit Services subindustry, The Western Union Co's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's OCF Margin % distribution charts can be found below:
* The bar in red indicates where The Western Union Co's OCF 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 (FRA:W3U) has a OCF Margin % of 11.09% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on The Western Union Co and its competitors. This is 31% below median its historical median of 15.99. Over the past decade, The Western Union Co's OCF Margin % has ranged from 9.65 to 20.61. According to the industry distribution chart, The Western Union Co ranks #222 out of 531 companies in the Credit Services industry, placing it in the top 41.8%.
Is The Western Union Co's OCF Margin % too high?
The Western Union Co's current OCF Margin % of 11.09% is 31% below median its 10-year median of 15.99. Over the past 10 years, this metric has ranged from a low of 9.65 to a high of 20.61. The Credit Services industry median OCF Margin % is 2.55. The Western Union Co's value of 11.09% is 334.9% above this industry median. Based on the distribution chart, The Western Union Co ranks #222 out of 531 companies in the Credit Services industry, which is above the industry midpoint. Overall, The Western Union Co has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does The Western Union Co's OCF Margin % compare to QFIN and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #222 out of 531 companies for OCF Margin %. This puts The Western Union Co in the upper half of its industry. The industry median OCF Margin % is 2.55. The Western Union Co's value of 11.09% is 334.9% above this benchmark. Historically, The Western Union Co's own OCF Margin % has ranged from 9.65 to 20.61 over the past decade. While the company's 10-year median is 15.99 vs. the industry median of 2.55, 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current OCF Margin % of 11.09% is 334.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current OCF Margin % is 11.09%, which is 31% below median its own 10-year median of 15.99. 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 (FRA:W3U) is currently considered Possible Value Trap. The stock's GF Value™ is €10.27, compared to a current price of €6.37 — trading 37.9% below its estimated fair value. The current OCF Margin % is 11.09%, which is 31% below median its 10-year median of 15.99 and 334.9% above the Credit Services industry median of 2.55. The Western Union Co's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For The Western Union Co (FRA:W3U), the current OCF Margin % is 11.09% 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 (FRA:W3U) Overvalued in 2026?
Based on GuruFocus' analysis, The Western Union Co stock appears to be undervalued.
The current stock price of €6.37 is trading 37.9% below its estimated GF Value™ of €10.27.
GuruFocus considers The Western Union Co to be Possible Value Trap.
Key valuation signals for FRA:W3U:
OCF Margin %: 11.09% (31% below median its 10-year median of 15.99)
GF Value™: €10.27 vs. price of €6.37 (37.9% below fair value)
Industry Position: 334.9% above the Credit Services median (#222 of 531)
No single metric tells the full story. See the FRA:W3U 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.
63GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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