The Western Union CoBSP:WUNI34 69 ROE % is 27.10% as of Mar. 2026, which is 79% below its 10-year median of 129.95. GuruFocus rates BSP:WUNI34 with a GF Score™ of 69/100 and a GF Value™ of R$59.84 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 529 Credit Services companies, The Western Union Co ranks better than 96.79% on this metric.
The historical rank and industry rank for The Western Union Co's ROE % or its related term are showing as below:
BSP:WUNI34'
s ROE % Range Over the Past 10 Years
Min: -271.23 Med: 129.95 Max: 1011.96
Current: 47.74
During the past 13 years, The Western Union Co's highest ROE % was 1,011.96%. The lowest was -271.23%. And the median was 129.95%.
BSP:WUNI34's ROE % is ranked better than 96.79% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs BSP:WUNI34: 47.74
The Western Union Co (BSP:WUNI34) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's ROE % distribution charts can be found below:
* The bar in red indicates where The Western Union Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
The Western Union Co (BSP:WUNI34) has a ROE % of 27.10% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on The Western Union Co and its competitors. This is 79% below median its historical median of 129.95. According to the industry distribution chart, The Western Union Co ranks #17 out of 529 companies in the Credit Services industry, placing it in the top 3.2%.
Is The Western Union Co's ROE % too high?
The Western Union Co's current ROE % of 27.10% is 79% below median its 10-year median of 129.95. The Credit Services industry median ROE % is 6.61. The Western Union Co's value of 27.10% is 310% above this industry median. Based on the distribution chart, The Western Union Co ranks #17 out of 529 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 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 ROE % compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #17 out of 529 companies for ROE %. This places The Western Union Co in the top 3% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. The Western Union Co's value of 27.10% is 310% above this benchmark. While the company's 10-year median is 129.95 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current ROE % of 27.10% is 310% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current ROE % is 27.10%, which is 79% below median its own 10-year median of 129.95. 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$59.84, compared to a current price of R$39.45 — trading 34.1% below its estimated fair value. The current ROE % is 27.10%, which is 79% below median its 10-year median of 129.95 and 310% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For The Western Union Co (BSP:WUNI34), the current ROE % is 27.10% 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$39.45 is trading 34.1% below its estimated GF Value™ of R$59.84.
GuruFocus considers The Western Union Co to be Possible Value Trap.
Key valuation signals for BSP:WUNI34:
ROE %: 27.10% (79% below median its 10-year median of 129.95)
GF Value™: R$59.84 vs. price of R$39.45 (34.1% below fair value)
Industry Position: 310% above the Credit Services median (#17 of 529)
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
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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