Western Union (WU) Stock Insights

WU price $6.09 +0.10 +1.67%

Ticker
WU
Price
$6.09
Change
+0.10 +1.67%
Market cap ?
$1.90B
P/E ?
5.07
Forward P/E ?
4.81
Dividend yield ?
14.84%
Sector
Financial Services
Industry
Financial - Credit Services
Stocklytics score
56
Value
93
Quality
53
Growth
23

Stocklytics score rationale: value 93, quality 53, growth 23.

Financials

2016201720182019202020212022202320242025
5422900000552430000055899000005292100000483500000050708000004475500000435700000042097000004041100000

Western Union operates as a global financial services provider, specializing in fund transfers and diverse payment solutions. The company's operations are divided into two main segments: Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer division enables individuals to send money to other individuals, primarily leveraging an extensive network of independent agents and sub-agents. This service…

Fair value

WU fair value $16.52. Price $6.09. Price is 63% below fair value.

Below fair value, and cheaper than usual. A larger discount than on 66% of days in the past 5 years.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Calculated with a 10-year free-cash-flow discount. Starting free cash flow 402.60M. Growth 9.01%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 8.70% (beta 0.8). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 311.88M. Net debt 1.47B. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the median P/E of the company's industry. That median uses listed stocks worth at least $10 billion with a positive P/E of 100 or below, and the industry needs at least eight of them. Otherwise the sector median is used when that group also has at least eight, then the market median of those large companies. The multiple used is the lower of that median and 1.25 times the stock's own 10-year median P/E, then kept between 8 and 30. If the stock has no 10-year median, the peer median is kept between 8 and 30. Fair value is the average of the cash-flow value and the earnings value when both exist. Card and credit companies use the earnings value only, because changes in customer receivables distort free cash flow. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.

Model uncertainty high for this stock

Compare WU

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2026-11-04—0.34—1.02B
2026-07-300.310.421.01B1.02B
2026-04-240.250.40982.70M960.57M
2026-02-200.450.431.01B1.04B
2025-10-230.470.431.03B1.04B
2025-07-280.420.441.03B1.04B
2025-04-230.410.40983.60M1.04B
2025-02-040.400.421.06B1.03B
2024-10-230.460.441.04B1.03B
2024-07-300.440.451.06B1.06B
2024-04-240.450.411.05B1.01B
2024-02-060.370.371.05B1.02B
2023-10-250.430.391.10B1.04B
2023-07-260.510.391.17B1.01B
2023-05-020.430.341.04B998.50M
2023-02-070.320.341.09B1.07B
2022-11-010.420.421.09B1.09B
2022-08-030.510.411.14B1.13B
2022-04-280.510.441.16B1.16B
2022-02-100.640.531.28B1.29B
2021-11-020.630.581.29B1.31B
2021-08-040.480.481.29B1.25B
2021-05-040.440.441.21B1.20B
2021-02-100.450.421.27B1.26B
2020-10-290.570.461.26B1.02B
2020-08-040.410.351.11B951.57M
2020-05-050.440.411.19B1.11B
2020-02-110.380.431.31B1.48B
2019-10-310.490.471.31B1.23B
2019-08-010.450.481.34B1.79B
2019-05-070.410.431.34B1.40B
2019-02-070.490.491.40B1.40B
2018-11-010.520.481.39B1.28B
2018-08-020.460.471.41B1.44B
2018-05-010.450.421.39B1.30B
2018-02-130.410.441.44B1.58B
2017-11-020.530.451.40B1.19B
2017-08-030.500.421.38B1.16B
2017-05-020.350.391.30B1.45B
2017-02-090.470.431.37B1.25B

Dividends

Yield 15.44%. Payout ratio 76.56%. Frequency Quarterly.

Safety score 45/100 · Watch. Payout ratio is 77% of earnings. Dividends use most of free cash flow. Dividends were paid in 21 separate years. Yield is 15.4%, which is unusually high.

Ex-dateDividendRecordPaymentFrequency
2026-09-16$0.232026-09-162026-09-30Quarterly
2026-06-16$0.232026-06-162026-06-30Quarterly
2026-03-17$0.232026-03-172026-03-31Quarterly
2025-12-22$0.232025-12-222025-12-31Quarterly
2025-09-16$0.232025-09-162025-09-30Quarterly
2025-06-16$0.232025-06-162025-06-30Quarterly
2025-03-17$0.232025-03-172025-03-31Quarterly
2024-12-23$0.232024-12-232024-12-31Quarterly
2024-09-16$0.232024-09-162024-09-30Quarterly
2024-06-14$0.232024-06-142024-06-28Quarterly
2024-03-14$0.232024-03-152024-03-29Quarterly
2023-12-19$0.232023-12-202023-12-29Quarterly
2023-09-14$0.232023-09-152023-09-29Quarterly
2023-06-15$0.232023-06-162023-06-30Quarterly
2023-03-16$0.232023-03-172023-03-31Quarterly
2022-12-16$0.232022-12-192022-12-30Quarterly
2022-09-15$0.232022-09-162022-09-30Quarterly
2022-06-15$0.232022-06-162022-06-30Quarterly
2022-03-16$0.232022-03-172022-03-31Quarterly
2021-12-16$0.232021-12-172021-12-31Quarterly
2021-09-15$0.232021-09-162021-09-30Quarterly
2021-06-15$0.232021-06-162021-06-30Quarterly
2021-03-16$0.232021-03-172021-03-31Quarterly
2020-12-18$0.232020-12-212020-12-31Quarterly
2020-09-15$0.232020-09-162020-09-30Quarterly
2020-06-15$0.232020-06-162020-06-30Quarterly
2020-03-16$0.232020-03-172020-03-31Quarterly
2019-12-16$0.202019-12-172019-12-31Quarterly
2019-09-13$0.202019-09-162019-09-30Quarterly
2019-06-13$0.202019-06-142019-06-28Quarterly
2019-03-14$0.202019-03-152019-03-29Quarterly
2018-12-14$0.192018-12-172018-12-31Quarterly
2018-09-13$0.192018-09-142018-09-28Quarterly
2018-06-14$0.192018-06-152018-06-29Quarterly
2018-03-15$0.192018-03-162018-03-30Quarterly
2017-12-15$0.172017-12-182017-12-29Quarterly
2017-09-14$0.172017-09-152017-09-29Quarterly
2017-06-14$0.172017-06-162017-06-30Quarterly
2017-03-15$0.172017-03-172017-03-31Quarterly
2016-12-15$0.162016-12-192016-12-30Quarterly
2016-09-14$0.162016-09-162016-09-30Quarterly
2016-06-14$0.162016-06-162016-06-30Quarterly
2016-03-15$0.162016-03-172016-03-31Quarterly
2015-12-15$0.152015-12-172015-12-31Quarterly
2015-09-14$0.152015-09-162015-09-30Quarterly
2015-06-12$0.152015-06-162015-06-30Quarterly
2015-03-13$0.152015-03-172015-03-31Quarterly
2014-12-12$0.122014-12-162014-12-31Quarterly
2014-09-11$0.122014-09-152014-09-30Quarterly
2014-06-12$0.122014-06-162014-06-30Quarterly
2014-03-13$0.122014-03-172014-03-31Quarterly
2013-12-13$0.122013-12-172013-12-31Quarterly
2013-09-12$0.122013-09-162013-09-30Quarterly
2013-06-12$0.122013-06-142013-06-28Quarterly
2013-03-13$0.122013-03-152013-03-29Quarterly
2012-12-13$0.122012-12-172012-12-31Quarterly
2012-09-20$0.102012-09-242012-10-08Quarterly
2012-06-13$0.102012-06-152012-06-29Quarterly
2012-03-14$0.102012-03-162012-03-30Quarterly
2011-12-15$0.082011-12-192011-12-30Quarterly
2011-09-22$0.082011-09-262011-10-07Quarterly
2011-06-15$0.082011-06-172011-06-30Quarterly
2011-03-16$0.072011-03-182011-03-31Quarterly
2010-12-16$0.072010-12-202010-12-31Quarterly
2010-09-30$0.062010-10-042010-10-14Quarterly
2010-06-16$0.062010-06-182010-06-30Quarterly
2010-03-17$0.062010-03-192010-03-31Quarterly
2009-12-17$0.062009-12-212009-12-30Annual
2008-12-18$0.042008-12-222008-12-31Annual
2007-12-12$0.042007-12-142007-12-28Annual
2006-12-13$0.012006-12-152006-12-28Annual

Insider trades

DateInsiderActionSharesPriceValue
2026-10-02Angelini GiovanniSell1.03K$6.006.21K
2026-09-08Hawksworth Benjamin ScottSell8.57K$7.0059.98K
2026-06-05Angelini GiovanniBuy33.42K——
2026-06-05Angelini GiovanniBuy33.42K——
2026-05-01Adams Benjamin CarltonSell3.18K$9.2229.37K
2026-05-01Adams Benjamin CarltonSell4.15K$9.2138.22K
2026-05-01Adams Benjamin CarltonSell12.59K$9.23116.29K
2026-04-28Angelini GiovanniSell6.00K$9.4756.85K
2026-03-13Pant MilindBuy16.91K——
2026-03-13Pant MilindOther0——
2026-03-07Hawksworth Benjamin ScottSell3.15K$9.7430.63K
2026-03-02Axelrod CherieBuy27.82K——
2026-03-02Axelrod CherieBuy41.74K——
2026-03-02Angelini GiovanniBuy39.23K——
2026-03-02Angelini GiovanniBuy65.38K——
2026-03-02Angelini GiovanniBuy192.31K$9.561.84M
2026-03-02Cagwin MatthewBuy92.18K——
2026-03-02Cagwin MatthewBuy451.92K$9.564.32M
2026-03-02Cagwin MatthewBuy153.63K——
2026-03-02TRUJILLO SOLOMON DBuy12.03K——
2026-03-02TRUJILLO SOLOMON DBuy20.92K——
2026-03-02Hawksworth Benjamin ScottBuy79.50K——
2026-03-02Hawksworth Benjamin ScottBuy119.25K——
2026-03-02JOERRES JEFFREY ABuy13.08K——
2026-03-02JOERRES JEFFREY ABuy37.66K——
2026-03-02Axelrod CherieBuy29.29K——
2026-03-02Axelrod CherieBuy43.93K——
2026-03-02McGranahan DevinBuy198.75K——
2026-03-02McGranahan DevinBuy596.24K——
2026-03-02McGranahan DevinBuy1.46M$9.5613.97M
2026-03-02Cagwin MatthewBuy73.75K——
2026-03-02Cagwin MatthewBuy122.91K——
2026-03-02Cagwin MatthewBuy361.54K$9.563.46M
2026-03-02Angelini GiovanniBuy31.38K——
2026-03-02Angelini GiovanniBuy52.30K——
2026-03-02Angelini GiovanniBuy153.85K$9.561.47M
2026-03-02Cooper Barry D.Buy9.18K——
2026-03-02Cooper Barry D.Buy9.18K——
2026-03-02Hawksworth Benjamin ScottBuy58.58K——
2026-03-02Hawksworth Benjamin ScottBuy87.87K——
2026-03-02Adams Benjamin CarltonBuy44.35K——
2026-03-02Adams Benjamin CarltonBuy66.53K——
2026-03-02TRUJILLO SOLOMON DBuy12.03K——
2026-03-02TRUJILLO SOLOMON DBuy32.95K——
2026-03-02Sun AngelaBuy20.92K——
2026-03-02Siegmund JanBuy20.92K——
2026-03-02Murphy Timothy P.Buy20.92K——
2026-03-02Miles MichaelBuy12.55K——
2026-03-02Miles MichaelBuy20.92K——
2026-03-02HOLDEN BETSY DBuy20.92K——
2026-03-02Deering SuzetteBuy20.92K——
2026-03-02Cole Martin IBuy20.92K——
2026-03-02CAMERON-DOE JULIEBuy20.92K——
2026-02-26Angelini GiovanniSell1.15K$9.5310.95K
2026-02-26McGranahan DevinSell22.05K$9.53210.18K
2026-02-26Hawksworth Benjamin ScottSell4.22K$9.5340.25K
2026-02-26Cagwin MatthewSell8.12K$9.5377.36K
2026-02-26Axelrod CherieSell1.62K$9.5315.42K
2026-02-26Adams Benjamin CarltonSell4.21K$9.5340.16K
2026-02-24McGranahan DevinSell26.53K$9.36248.34K
2026-02-24Hawksworth Benjamin ScottSell8.15K$9.3676.27K
2026-02-24Cagwin MatthewSell10.63K$9.3699.50K
2026-02-24Angelini GiovanniSell1.59K$9.3614.87K
2026-02-24Adams Benjamin CarltonSell5.07K$9.3647.45K
2026-02-24Axelrod CherieSell2.40K$9.3622.43K
2026-02-23McGranahan DevinBuy403.77K——
2026-02-23McGranahan DevinSell21.27K$9.21195.93K
2026-02-23McGranahan DevinSell180.31K$9.211.66M
2026-02-22Cagwin MatthewBuy90.16K——
2026-02-22Cagwin MatthewSell9.32K$9.2786.44K
2026-02-22Cagwin MatthewSell40.08K$9.27371.58K
2026-02-22Axelrod CherieBuy22.02K——
2026-02-22Axelrod CherieSell1.39K$9.2712.91K
2026-02-22Axelrod CherieSell7.07K$9.2765.51K
2026-02-22Angelini GiovanniBuy35.23K——
2026-02-22Angelini GiovanniSell1.22K$9.2711.35K
2026-02-22Angelini GiovanniSell5.51K$9.2751.05K
2026-02-22Adams Benjamin CarltonBuy54.52K——
2026-02-22Adams Benjamin CarltonSell6.56K$9.2760.79K
2026-02-22Adams Benjamin CarltonSell28.42K$9.27263.43K
2025-11-10Angelini GiovanniBuy10.00K$8.9589.54K
2025-10-02Angelini GiovanniSell621$8.065.01K
2025-09-08Hawksworth Benjamin ScottSell8.58K$8.7474.97K
2025-08-21McGranahan DevinBuy176.47K$8.491.50M
2025-08-18Cagwin MatthewBuy17.50K$8.36146.30K
2025-08-05Cagwin MatthewSell12.59K$8.03101.06K
2025-07-08Cooper Barry D.Buy28.80K——
2025-07-01Cooper Barry D.Other0——
2025-06-27Hawksworth Benjamin ScottOther0——
2025-06-27Hawksworth Benjamin ScottOther0——
2025-06-27Hawksworth Benjamin ScottOther148.65K$12.801.90M
2025-06-02Adams Benjamin CarltonSell13.87K$9.28128.68K
2025-04-18Walker Andrew DBuy17.42K——
2025-04-18Walker Andrew DSell3.08K$9.8130.22K
2025-04-18Walker Andrew DSell7.08K$9.8169.49K
2025-02-26McGranahan DevinSell22.03K$10.74236.62K
2025-02-26Walker Andrew DSell4.44K$10.7447.70K
2025-02-26Hinsey MarkSell1.10K$10.7411.77K
2025-02-26Garcia Estebarena RodrigoSell1.67K$10.7417.93K
2025-02-26Cagwin MatthewSell8.12K$10.7487.19K

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 497, holders -30 vs prior quarter. Ownership 99.72%.

HolderSharesChangeChange %Value
BLACKROCK, INC.31.40M6.51M+26.17%241.81M
VANGUARD PORTFOLIO MANAGEMENT LLC17.91M-173.08K-0.96%137.89M
SCHRODER INVESTMENT MANAGEMENT GROUP17.34M533.29K+3.17%133.51M
CAPITAL RESEARCH GLOBAL INVESTORS14.67M26.55K+0.18%112.98M
VANGUARD CAPITAL MANAGEMENT LLC14.02M-168.28K-1.19%107.94M
ALLIANZ ASSET MANAGEMENT GMBH11.62M1.30M+12.64%89.45M
STATE STREET CORP11.31M28.39K+0.25%87.09M
SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P.11.25M11.25MNew86.59M
CHARLES SCHWAB INVESTMENT MANAGEMENT INC11.25M288.98K+2.64%86.59M
LSV ASSET MANAGEMENT10.98M959.42K+9.58%84.52M
AQR CAPITAL MANAGEMENT LLC10.11M-588.01K-5.50%76.75M
GEODE CAPITAL MANAGEMENT, LLC8.26M261.05K+3.26%63.60M
DIMENSIONAL FUND ADVISORS LP7.68M-226.74K-2.87%59.10M
GOLDMAN SACHS GROUP INC6.17M-919.02K-12.97%47.50M
NORTHERN TRUST CORP5.71M-871.50K-13.24%43.96M
MILLENNIUM MANAGEMENT LLC5.23M4.57M+701.25%40.24M
FIRST TRUST ADVISORS LP4.02M56.22K+1.42%30.97M
MIRAE ASSET GLOBAL ETFS HOLDINGS LTD.3.82M138.69K+3.76%29.45M
UBS GROUP AG3.59M865.27K+31.80%27.61M
AMERIPRISE FINANCIAL INC3.58M759.14K+26.92%27.56M
MORGAN STANLEY3.44M-4.52M-56.76%26.51M
DISCERENE GROUP LP3.43M-238.89K-6.51%26.44M
BRICKWOOD ASSET MANAGEMENT LLP3.35M-192.57K-5.44%25.76M
FRANKLIN TEMPLETON INC3.34M-1.28M-27.64%25.73M
INVESCO LTD.3.28M501.02K+18.02%25.27M

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Western Union (WU) Stock Insights

WU$6.09+0.10 +1.67%

$1.90B

Market Cap

5.07

P/E

4.81

Forward P/E

56

Score

Price History