Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
5-Year Return on Invested Incremental Capital (5-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 5-year.
The Western Union Co's 5-Year ROIIC % for the quarter that ended in Dec. 2025 was 31.09%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for The Western Union Co's 5-Year ROIIC % or its related term are showing as below:
MEX:WU's 5-Year ROIIC % is ranked better than 88.41% of 371
companies
in the Credit Services industry
Industry Median: 2.65
vs MEX:WU: 31.09
The Western Union Co (MEX:WU) 5-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
The Western Union Co 5-Year ROIIC % Related Terms
The Western Union Co 5-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for The Western Union Co's 5-Year ROIIC % 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.
MEX:WU vs AGM.A, EZPW, ECPG: 5-Year ROIIC % Comparison
For the Credit Services subindustry, The Western Union Co's 5-Year ROIIC %, along with its competitors' market caps and 5-Year ROIIC % 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 5-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, The Western Union Co's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where The Western Union Co's 5-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 5-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
The Western Union Co (MEX:WU) has a 5-Year ROIIC % of 31.09 as of Dec. 2025. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on The Western Union Co and its competitors. According to the industry distribution chart, The Western Union Co ranks #43 out of 371 companies in the Credit Services industry, placing it in the top 11.6%.
Is The Western Union Co's 5-Year ROIIC % too high?
The Western Union Co's current 5-Year ROIIC % is 31.09. The Credit Services industry median 5-Year ROIIC % is 2.65. The Western Union Co's value of 31.09 is 1073.2% above this industry median. Based on the distribution chart, The Western Union Co ranks #43 out of 371 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 5-Year ROIIC % compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, The Western Union Co ranks #43 out of 371 companies for 5-Year ROIIC %. This places The Western Union Co in the top 12% of its industry — outperforming the majority of peers. The industry median 5-Year ROIIC % is 2.65. The Western Union Co's value of 31.09 is 1073.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year ROIIC % for a Credit Services company?
The median 5-Year ROIIC % among Credit Services companies is 2.65, based on 371 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Western Union Co's current 5-Year ROIIC % of 31.09 is 1073.2% 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 5-Year ROIIC % mean?
A high 5-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on The Western Union Co and its competitors. For the Credit Services industry, the median 5-Year ROIIC % is 2.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Western Union Co's current 5-Year ROIIC % is 31.09. 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 MXN173.11, compared to a current price of MXN131.50 — trading 24% below its estimated fair value. The current 5-Year ROIIC % is 31.09 and 1073.2% above the Credit Services industry median of 2.65. The Western Union Co's overall GF Score™ is 57/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year ROIIC % calculated?
5-Year ROIIC % is calculated from a company's financial statements. For The Western Union Co (MEX:WU), the current 5-Year ROIIC % is 31.09 as of Dec. 2025. 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 24% below its estimated GF Value™ of MXN173.11.
GuruFocus considers The Western Union Co to be Modestly Undervalued.
Key valuation signals for MEX:WU:
5-Year ROIIC %: 31.09
GF Value™: MXN173.11 vs. price of MXN131.50 (24% below fair value)
Industry Position: 1073.2% above the Credit Services median (#43 of 371)
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
5-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MEX:WU has been successfully added to your 
