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Stock The Western Union Company WU

The Western Union Company — Investlytic score 1/5 on the five criteria.

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20/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 1/5 criteria met. Data as of 03/10/2026.

  • ❌ Price trend failed
  • ❌ Growth failed
  • ❌ Debt failed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): insufficient progression (less than x1.5).

Price change 2018 → 2019: 56.98%

Price change 2019 → 2020: -18.07%

Price change 2020 → 2021: -18.69%

Price change 2021 → 2022: -22.81%

Price change 2022 → 2023: -13.44%

Price change 2023 → 2024: -11.07%

Price change 2024 → 2025: -12.17%

Price change 2025 → 2026: -35.34%

Price change 2026 (year to date): -34.78%

Financial growth

Revenue CAGR (8 years): -4.53%

Earnings CAGR (8 years): -7.34%

Growth status: weak or negative trend (<1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 3.24

Debt/equity > 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 3.77

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 36.90% from the high over 6 months.

Excessive correction (> 20.0%).

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Criteria of the Investlytic model

- / 5
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Investlytic rating reserved for members

Score out of 100, model verdict (buy, watch, sell) and details of the 5 criteria · visible with a free account.

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
The Western Union Company3.93.24−1.7 %🔒
Bank First Corporation17.30.19+11.5 %★ 4/5
Banco di Desio e della Brianza S.p.A.15.82.72+2.4 %★ 4/5
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative5.20.02+17.1 %–
Peugeot Invest S.A.5.70.26−2.3 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by The Western Union Company over the latest fiscal years.

Revenue
4.0 bn USD
fiscal year 2025
Net income
500 m USD
fiscal year 2025
Net margin
12.4 %
fiscal year 2025
Average annual growth
-3.5 %
Revenue growth over 5 years
Average annual growth
-3.0 %
Revenue growth over 10 years
Market cap
2.1 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
20204.8 bn744 m15.4 %n/a
20215.1 bn806 m15.9 %+4.9 %
20224.5 bn911 m20.4 %-11.7 %
20234.4 bn626 m14.4 %-2.6 %
20244.2 bn934 m22.2 %-3.4 %
20254.0 bn500 m12.4 %-4.0 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by The Western Union Company over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
7 / 9
7 to 9: solid accounts
Net Debt / EBITDA
-1.42 x
net cash
Fiscal year20212022202320242025
Cash and investments1.2 bn1.3 bn1.3 bn3.4 bn3.1 bn
Total Debt3.2 bn2.8 bn2.5 bn3.1 bn3.1 bn
Net Debt2.0 bn1.5 bn1.2 bn1.0 bn1.5 bn
Equity356 m478 m479 m969 m958 m
Total assets8.8 bn8.5 bn8.2 bn8.4 bn8.3 bn
Operating cash flow1.0 bn582 m783 m406 m544 m
Investments (capex)37.7 m31.9 m22.9 m37.4 m151 m
Free cash-flow831 m373 m635 m369 m393 m
Share buybacks410 m370 m308 m186 m235 m
Dividends paid382 m364 m349 m322 m309 m

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)6.43 x
Price / book value2.41 x
Return on Equity (ROE)36.4 %
Return on Invested Capital (ROIC)11.7 %
Net margin8.3 %
Debt / equity0.00 x
Current ratio17.35 x
Interest coverage2.70 x
Free cash-flow yield13.8 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

The Western Union Company compared with its sector on the same exchange and with its main competitors.

Company P/E
4.3
76.3 % below the sector
Sector median P/E
18.3
financial services, NYSE
Sector over 10 years
18.3
10-year median, range 15.0 to 24.9

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on . Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering The Western Union Company publish: ratings, price targets and earnings forecasts.

Majority rating
hold
49 analysts
Average price target
7.00 USD
from n/a to n/a, 12 targets over 12 months
Gap with the share price
+13.6 %
price 6.16 USD on 30/10/2026

Breakdown of ratings

strong buy 0buy 6hold 28sell 15strong sell 0

Average target over the last 3 months: 7.00 USD (4 targets).

Track record against expectations: reported EPS above consensus 6 times over the last 12 releases.

Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in The Western Union Company.

Large funds tracked
23
hold the stock as of 2026Q2

Large funds tracked

FundSharesValue (USD)Weight in the fundChangeQuarter
Vanguard Group34.5 m321 m0.0 %+3.5 %2025Q4
BlackRock31.4 m242 m0.0 %+26.2 %2026Q2
State Street22.6 m174 m0.0 %+100.5 %2026Q2
Capital Research Global Investors14.7 m113 m0.0 %+0.2 %2026Q2
AQR Capital Management10.1 m76.7 m0.0 %-5.5 %2026Q2
Geode Capital Management8.3 m63.6 m0.0 %+3.3 %2026Q2
Goldman Sachs6.2 m47.5 m0.0 %-13.0 %2026Q2
Northern Trust5.7 m44.0 m0.0 %-13.2 %2026Q2

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 08/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
NYSE
IPO: 02/10/2006
ISIN code
US9598021098
Workforce
9,100
full-time employees
Chief executive
Devin B. McGranahan

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about The Western Union Company

What is the The Western Union Company share price?

Latest recorded price: 6.88 USD on 06/11/2026, for a market cap of 2.1 bn USD.

What is the revenue of The Western Union Company?

4.0 bn USD for fiscal year 2025, with net income of 500 m USD (net margin 12.4 %).

What do analysts say about The Western Union Company?

Out of 49 analysts: 6 buy or strong buy, 28 hold, 15 sell or strong sell. Average price target: 7.00 USD, i.e. +13.6 % from the share price.

What is the P/E ratio of The Western Union Company?

Trailing 12-month P/E of 4.3, against 18.3 for the sector median on the same exchange (10-year median: 18.3).

Is The Western Union Company stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US9598021098).

How many employees does The Western Union Company have?

9,100 full-time employees according to the latest published profile.

Who runs The Western Union Company?

Devin B. McGranahan is the company's chief executive.

Which large funds own The Western Union Company?

As of 2026Q2, among the large funds tracked: Vanguard Group, BlackRock, State Street, Capital Research Global Investors, AQR Capital Management.

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