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The Western Union CoMEX:WU 57 Return-on-Tangible-Asset is 4.52% as of Mar. 2026, which is 64% below its 10-year median of 12.44. GuruFocus rates MEX:WU with a GF Score™ of 57/100 and a GF Value™ of MXN181.65 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 546 Credit Services companies, The Western Union Co ranks better than 89.56% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. The Western Union Co's annualizedNet Income for the quarter that ended in Mar. 2026 was MXN4,667 Mil. The Western Union Co's average total tangible assets for the quarter that ended in Mar. 2026 was MXN103,232 Mil. Therefore, The Western Union Co's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 4.52%.
The historical rank and industry rank for The Western Union Co's Return-on-Tangible-Asset or its related term are showing as below:
MEX:WU'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -9.68 Med: 12.44 Max: 18.61
Current: 7.78
During the past 13 years, The Western Union Co's highest Return-on-Tangible-Asset was 18.61%. The lowest was -9.68%. And the median was 12.44%.
MEX:WU's Return-on-Tangible-Asset is ranked better than 89.56% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs MEX:WU: 7.78
The Western Union Co (MEX:WU) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
The Western Union Co Return-on-Tangible-Asset Related Terms
The Western Union Co Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for The Western Union Co's Return-on-Tangible-Asset 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.
The Western Union Co Return-on-Tangible-Asset Chart
MEX:WU vs AGM.A, EZPW, ECPG: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, The Western Union Co's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where The Western Union Co's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 4.52% mean?
The Western Union Co (MEX:WU) has a Return-on-Tangible-Asset of 4.52% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on The Western Union Co and its competitors. This is 64% below median its historical median of 12.44. According to the industry distribution chart, The Western Union Co ranks #57 out of 546 companies in the Credit Services industry, placing it in the top 10.4%.
Is The Western Union Co's Return-on-Tangible-Asset too high?
The Western Union Co's current Return-on-Tangible-Asset of 4.52% is 64% below median its 10-year median of 12.44. The Credit Services industry median Return-on-Tangible-Asset is 1.93. The Western Union Co's value of 4.52% is 134.2% above this industry median. Based on the distribution chart, The Western Union Co ranks #57 out of 546 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, The Western Union Co has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Western Union Co's Return-on-Tangible-Asset compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #57 out of 546 companies for Return-on-Tangible-Asset. This places The Western Union Co in the top 10% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.93. The Western Union Co's value of 4.52% is 134.2% above this benchmark. While the company's 10-year median is 12.44 vs. the industry median of 1.93, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current Return-on-Tangible-Asset of 4.52% is 134.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current Return-on-Tangible-Asset is 4.52%, which is 64% below median its own 10-year median of 12.44. 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 (MEX:WU) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN181.65, compared to a current price of MXN131.50 — trading 27.6% below its estimated fair value. The current Return-on-Tangible-Asset is 4.52%, which is 64% below median its 10-year median of 12.44 and 134.2% above the Credit Services industry median of 1.93. The Western Union Co's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For The Western Union Co (MEX:WU), the current Return-on-Tangible-Asset is 4.52% 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 (MEX:WU) Overvalued in 2026?
Based on GuruFocus' analysis, The Western Union Co stock appears to be undervalued.
The current stock price of MXN131.50 is trading 27.6% below its estimated GF Value™ of MXN181.65.
GuruFocus considers The Western Union Co to be Modestly Undervalued.
Key valuation signals for MEX:WU:
Return-on-Tangible-Asset: 4.52% (64% below median its 10-year median of 12.44)
GF Value™: MXN181.65 vs. price of MXN131.50 (27.6% below fair value)
Industry Position: 134.2% above the Credit Services median (#57 of 546)
No single metric tells the full story. See the MEX: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.
57GF Score
Get the complete analysis for MEX:WU
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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