Is Western Union (WU) overvalued or fairly valued?

MarketChacha shows Western Union's valuation in context — a trailing P/E of about 5.8, a forward P/E of about 4.8, a price-to-book of about 2.5 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Western Union's reported profit turn into cash?

Over 3 years, about 84% of reported profit turned into operating cash — most of it, but worth reading alongside the cash-flow statement. MarketChacha computes this cash-conversion check (0.84×) from reported figures — education, not a rating.

What is Western Union's revenue?

Western Union reported revenue of $3.9B for FY2025, with net profit of $499.6M, per official filings.

What is the share price of Western Union (WU)?

Western Union last traded at $7.25 (-0.7% on the day), as of 9/3/2026 — a delayed quote shown for education, not investment advice.

Western Union

WU · NYSE · Financials · United States

Snapshot

TickerWU

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees9,600

HeadquartersDenver, United States

Websitewww.westernunion.com

Filings tracked21

About Western Union

The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents and owned locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, money order and media network services, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.

Who owns it

Insiders0.9%
Institutions99.1%
Public & other0.0%

636 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.10.07%
Vanguard Portfolio Management LLC5.74%
Schroder Investment Management Group5.56%
Capital Research Global Investors4.70%
Vanguard Capital Management LLC4.49%
Allianz Asset Management GmbH3.72%
State Street Corporation3.63%
Charles Schwab Investment Management, Inc.3.61%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Over 3 years, about 84% of reported profit turned into operating cash — most of it, but worth reading alongside the cash-flow statement.

Cash conversion0.84×

Over 3 years, about 84% of reported profit turned into operating cash — most of it, but worth reading alongside the cash-flow statement.

Net margin trend15.1% → 12.9%

Margin has compressed by about 2.2 points over the period — profitability is trending down.

Return on equity52.2%

Latest ROE of 52.2% — capital is generating a healthy return.

Growth qualityrev -3% · PAT -11%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $1.1B · EPS 0.38

Est. earnings growth -15.6%

Next fiscal year

Rev $4.4B · EPS 1.51

Est. earnings growth +16.9%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$3.9B

Net margin

12.9%

ROE

52.2%

Revenue CAGR (2y)

-3.4%

Profit CAGR (2y)

-10.7%

EPS (FY2025)

1.52

Net profit (FY2025)

$499.6M

Ask MarketChacha about WU

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On MarketChacha

Posts about WU

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$3.9B	$499.6M	1.52	12.9%	52.2%
FY2024	$4.0B	$934.2M	2.74	23.2%	96.4%
FY2023	$4.2B	$626.0M	1.68	15.1%	130.7%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$971.9M	$76.7M	0.24	7.9%
2026Q1	$948.7M	$64.7M	0.20	6.8%
2025Q3	$985.3M	$139.6M	0.43	14.2%
2025Q2	$983.6M	$122.1M	0.37	12.4%
2025Q1	$938.7M	$123.5M	0.36	13.2%
2024Q3	$993.4M	$264.8M	0.78	26.7%
2024Q2	$1.0B	$141.0M	0.41	13.8%
2024Q1	$995.7M	$142.7M	0.41	14.3%
2023Q3	$1.1B	$171.0M	0.46	16.2%
2023Q2	$1.1B	$176.2M	0.47	15.9%
2023Q1	$979.0M	$151.8M	0.40	15.5%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/30/2026material
10-Q filing
SEC7/30/2026
8-K — Executive/director change, Exhibits
SEC7/23/2026material
8-K — Other events, Exhibits
SEC6/24/2026material
8-K — Shareholder vote results, Exhibits
SEC5/18/2026material
8-K — Other events, Exhibits
SEC5/5/2026material
8-K — Results of operations, Exhibits
SEC4/24/2026material
10-Q filing
SEC4/24/2026
8-K — Executive/director change, Exhibits
SEC3/16/2026material
8-K — Other events, Exhibits
SEC3/9/2026material
8-K — Results of operations, Exhibits
SEC2/20/2026material
10-K filing
SEC2/20/2026
8-K — Material agreement, Material financial obligation, Exhibits
SEC1/9/2026material

2025

8-K — Reg FD disclosure, Exhibits
SEC11/6/2025material
10-Q filing
SEC10/27/2025
8-K — Results of operations, Exhibits
SEC10/23/2025material
8-K — Other events, Exhibits
SEC10/7/2025material
8-K — Material agreement, Exhibits
SEC8/14/2025material
8-K — Reg FD disclosure, Exhibits
SEC8/11/2025material
10-Q filing
SEC7/28/2025
8-K — Results of operations, Executive/director change, Exhibits
SEC7/28/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.