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The Western Union CoWU +6.47%64 PB Ratio is 3.05 as of Jul. 17, 2026, which is 70% below its 10-year median of 10.19. GuruFocus rates WU with a GF Score™ of 64/100 and a GF Value™ of $11.69 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 525 Credit Services companies, The Western Union Co ranks worse than 82.86% on this metric.
The historical rank and industry rank for The Western Union Co's PB Ratio or its related term are showing as below:
WU'
s PB Ratio Range Over the Past 10 Years
Min: 2.45 Med: 10.19 Max: 329.01
Current: 3.05
During the past 13 years, The Western Union Co's highest PB Ratio was 329.01. The lowest was 2.45. And the median was 10.19.
WU's PB Ratio is ranked worse than 82.86% of 525
companies
in the Credit Services industry
Industry Median: 1.06
vs WU: 3.05
During the past 12 months, The Western Union Co's average Book Value Per Share Growth Rate was 2.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 33.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 45.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of The Western Union Co was 135.80% per year. The lowest was -2.40% per year. And the median was 32.30% per year.
Back to Basics: PB Ratio
The Western Union Co (NYSE:WU) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
The Western Union Co PB Ratio Related Terms
The Western Union Co PB Ratio Historical Data
* Premium members only.
The historical data trend for The Western Union Co's PB Ratio 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.
For the Credit Services subindustry, The Western Union Co's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where The Western Union Co's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
The Western Union Co (WU) has a PB Ratio of 3.05 as of Jul. 17, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on The Western Union Co and its competitors. This is 70% below median its historical median of 10.19. Over the past decade, The Western Union Co's PB Ratio has ranged from 2.45 to 329.01. According to the industry distribution chart, The Western Union Co ranks #435 out of 525 companies in the Credit Services industry, placing it in the top 82.9%.
Is The Western Union Co's PB Ratio too high?
The Western Union Co's current PB Ratio of 3.05 is 70% below median its 10-year median of 10.19. Over the past 10 years, this metric has ranged from a low of 2.45 to a high of 329.01. The Credit Services industry median PB Ratio is 1.06. The Western Union Co's value of 3.05 is 187.7% above this industry median. Based on the distribution chart, The Western Union Co ranks #435 out of 525 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, The Western Union Co has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Western Union Co's PB Ratio compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #435 out of 525 companies for PB Ratio. This places The Western Union Co in the lower half of its industry. The industry median PB Ratio is 1.06. The Western Union Co's value of 3.05 is 187.7% above this benchmark. Historically, The Western Union Co's own PB Ratio has ranged from 2.45 to 329.01 over the past decade. While the company's 10-year median is 10.19 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current PB Ratio of 3.05 is 187.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current PB Ratio is 3.05, which is 70% below median its own 10-year median of 10.19. 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 (WU) is currently considered Modestly Undervalued. The stock's GF Value™ is $11.69, compared to a current price of $8.88 — trading 24% below its estimated fair value. The current PB Ratio is 3.05, which is 70% below median its 10-year median of 10.19 and 187.7% above the Credit Services industry median of 1.06. The Western Union Co's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For The Western Union Co (WU), the current PB Ratio is 3.05 as of Jul. 17, 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 (WU) Overvalued in 2026?
Based on GuruFocus' analysis, The Western Union Co stock appears to be undervalued.
The current stock price of $8.88 is trading 24% below its estimated GF Value™ of $11.69.
GuruFocus considers The Western Union Co to be Modestly Undervalued.
Key valuation signals for WU:
PB Ratio: 3.05 (70% below median its 10-year median of 10.19)
GF Value™: $11.69 vs. price of $8.88 (24% below fair value)
Industry Position: 187.7% above the Credit Services median (#435 of 525)
No single metric tells the full story. See the WU 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.
64GF Score
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