Western Union Valuation
| WU Stock | USD 9.65 0.21 2.22% |
At this time, the company appears to be fairly valued. Western Union maintains a prevalent Real Value of $9.55 per share. The last-minute price of the company is $9.65. Our model calculates the value of Western Union from examining the company fundamentals such as Return On Asset of 0.0643, current valuation of 2.82 B, and Profit Margin of 0.19 % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Western Union's valuation include:
Fairly Valued
Today
Please note that Western Union's price fluctuation is not too volatile at this time. Calculation of the real value of Western Union is based on 3 months time horizon. Increasing Western Union's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Western Union's intrinsic value may or may not be the same as its current market price of 9.65, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 9.65 | Real 9.55 | Target 9.69 | Hype 9.7 | Naive 9.38 |
The intrinsic value of Western Union's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Western Union's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Western Union Co helps investors to forecast how Western stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Western Union more accurately as focusing exclusively on Western Union's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Western Union's intrinsic value based on its ongoing forecasts of Western Union's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Western Union's closest peers.
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Western Revenue by Product
Western Union Total Value Analysis
Western Union Co is at this time anticipated to have takeover value of 2.82 B with market capitalization of 3.12 B, debt of 3.13 B, and cash on hands of 1.47 B. Please note that takeover value may be misleading and is a subject to accounting mistakes. We encourage investors to methodically examine all of the Western Union fundamentals before making investment evaluation based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
2.82 B | 3.12 B | 3.13 B | 1.47 B |
Western Union Investor Information
About 100.0% of the company outstanding shares are owned by institutional investors. The book value of Western Union was at this time reported as 2.91. The company has Price/Earnings To Growth (PEG) ratio of 2.37. Western Union last dividend was issued on the 22nd of December 2025. Based on the analysis of Western Union's profitability, liquidity, and operating efficiency, Western Union Co may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.24 | 0.2 |
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| Total Cash From Operating Activities | 347.4 M | 365.7 M |
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| Operating Income | 987.7 M | 653.2 M |
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Western Union Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Western Union has an asset utilization ratio of 50.29 percent. This implies that the Company is making $0.5 for each dollar of assets. An increasing asset utilization means that Western Union Co is more efficient with each dollar of assets it utilizes for everyday operations.Western Union Profitability Analysis
Considering Western Union's profitability and operating efficiency indicators, Western Union Co is yielding more profit at this time then in previous quarter. It has a moderate probability of reporting better profitability numbers in March. Profitability indicators assess Western Union's ability to earn profits and add value for shareholders.Net Income | First Reported 2004-03-31 | Previous Quarter 122.1 M | Current Value 139.6 M | Quarterly Volatility 168.2 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.46 | 0.43 |
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| Operating Profit Margin | 0.24 | 0.2 |
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| Pretax Profit Margin | 0.23 | 0.17 |
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For Western Union profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Western Union to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Western Union utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Western Union's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Western Union over time as well as its relative position and ranking within its peers.
Western Union Earnings per Share Projection vs Actual
The next projected EPS of Western Union is estimated to be 0.447625 with future projections ranging from a low of 0.4325 to a high of 0.475. Western Union's most recent 12-month trailing earnings per share (EPS TTM) is at 2.3. Please be aware that the consensus of earnings estimates for Western Union Co is based on EPS before non-recurring items and includes expenses related to employee stock options.Western Union Earnings Estimation Breakdown
The calculation of Western Union's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Western Union is estimated to be 0.447625 with the future projection ranging from a low of 0.4325 to a high of 0.475. Please be aware that this consensus of annual earnings estimates for Western Union Co is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.43 Lowest | Expected EPS | 0.47 Highest |
Western Union Earnings Projection Consensus
Suppose the current estimates of Western Union's value are higher than the current market price of the Western Union stock. In this case, investors may conclude that Western Union is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Western Union's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of December 2026 | Current EPS (TTM) | |
| 17 | 86.47% | 0.0 | 0.447625 | 2.3 |
Western Union Ownership Allocation
The majority of Western Union outstanding shares are owned by institutional investors. These institutions are usually referred to as non-private investors looking to purchase positions in Western Union to benefit from reduced commissions. Consequently, other corporate entities are subject to a different set of regulations than regular investors in Western Union Co. Please pay attention to any change in the institutional holdings of Western Union as this could imply that something significant has changed or is about to change at the company. On July 6, 2024, Representative Kathy Manning of US Congress acquired under $15k worth of Western Union's common stock.Western Union Profitability Analysis
The company generated the yearly revenue of 4.21 B. Reported Net Income was 934.2 M with gross profit of 1.55 B.Western Union Past Distributions to stockholders
About Western Union Valuation
The stock valuation mechanism determines Western Union's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Western Union based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Western Union. We calculate exposure to Western Union's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Western Union's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1.4 B | 1.8 B | |
| Pretax Profit Margin | 0.17 | 0.23 | |
| Operating Profit Margin | 0.20 | 0.24 | |
| Net Profit Margin | 0.26 | 0.18 | |
| Gross Profit Margin | 0.43 | 0.46 |
A single share of Western Union represents a small ownership stake in the entity. As a stockholder of Western, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Western Union Dividends Analysis For Valuation
At this time, Western Union's Dividends Paid is comparatively stable compared to the past year. Dividend Yield is likely to gain to 0.08 in 2026, whereas Dividend Paid And Capex Coverage Ratio is likely to drop 1.24 in 2026. . At this time, Western Union's Earnings Yield is comparatively stable compared to the past year. Price Earnings To Growth Ratio is likely to gain to 0.06 in 2026, whereas Retained Earnings are likely to drop slightly above 30.1 M in 2026.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 289.4 M | 332.7 M | |
| Dividend Yield | 0.08 | 0.08 | |
| Dividend Payout Ratio | 0.40 | 0.50 | |
| Dividend Paid And Capex Coverage Ratio | 1.30 | 1.24 |
There are various types of dividends Western Union can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Western shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Western Union Co directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Western pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Western Union by the value of the dividends paid out.
Western Union Growth Indicators
Investing in growth stocks can be very risky. If the company such as Western Union does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 341.1 M | |
| Quarterly Earnings Growth Y O Y | -0.449 | |
| Forward Price Earnings | 5.3619 |
Western Union Current Valuation Indicators
Western Union's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Western Union's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Western Union, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Western Union's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Western Union's worth.Additional Tools for Western Stock Analysis
When running Western Union's price analysis, check to measure Western Union's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Western Union is operating at the current time. Most of Western Union's value examination focuses on studying past and present price action to predict the probability of Western Union's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Western Union's price. Additionally, you may evaluate how the addition of Western Union to your portfolios can decrease your overall portfolio volatility.