Western Union Co

WU · NYSE · Financial Services / Credit Services

6.74USD+0.09 (+1.35%)

Price History

Full chart

Market Stats

Previous Close6.65

Open6.75

Day Range6.63 – 6.79

52-Week Range5.87 – 9.44

Volume7.69M

Market Cap1.86B

P/E (TTM)4.93

Forward P/E3.88

EPS1.21

Dividend Yield15.36%

Beta0.54

50-Day Avg7.12

200-Day Avg8.45

About

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.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Devin B. McGranahan
Employees9.60K
Headquarters7001 East Belleview Avenue, Denver, CO, United States, 80237, USA
Websitehttps://www.westernunion.com

Leadership

Mr. Devin B. McGranahanPresident, CEO & Director · b. 1970
Mr. Matthew CagwinExecutive VP & CFO · b. 1975
Mr. Benjamin HawksworthExecutive VP & COO · b. 1978
Mr. Benjamin Carlton AdamsExecutive VP, Chief Legal Officer & Corporate Secretary · b. 1972
Mr. Giovanni AngeliniPresident of Europe, Africa & MEPA · b. 1970
Mr. Barry D. CooperChief Accounting Officer & Controller · b. 1967
Mr. Tom HadleyHead of Investor Relations
Ms. Cherie AxelrodExecutive VP and Chief Risk & Compliance Officer · b. 1967
Mr. Bob RupczynskiChief Marketing Officer
Ms. Karen WhalenChief People Officer

Financials

Income Statement

Currency: USD	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	2.31B	2.74B	3.15B	3.55B	3.99B	4.47B	4.90B	5.28B	5.08B	5.19B	5.49B	5.66B	5.54B	5.61B	5.48B	5.42B	5.52B	5.59B	5.29B	4.83B	5.07B	4.48B	4.36B	4.21B	4.04B
Growth (%)	-	+18.54%	+14.88%	+12.57%	+12.41%	+12.09%	+9.62%	+7.79%	-3.76%	+2.15%	+5.75%	+3.16%	-2.17%	+1.18%	-2.20%	-1.11%	+1.87%	+1.19%	-5.33%	-8.64%	+4.88%	-11.74%	-2.65%	-3.38%	-4.01%
Cost of Revenue	-	-	-	1.83B	2.12B	2.43B	2.81B	3.09B	2.87B	2.98B	3.10B	3.19B	3.23B	3.30B	3.20B	3.27B	3.35B	3.30B	3.09B	2.83B	2.90B	2.63B	2.67B	2.62B	2.88B
Gross Profit	2.31B	2.74B	3.15B	3.55B	1.87B	2.04B	2.09B	2.19B	2.21B	2.21B	2.39B	2.47B	2.31B	2.31B	2.28B	2.16B	2.17B	2.29B	2.21B	2.01B	2.17B	1.85B	1.69B	1.59B	1.16B
Gross Margin	100.00%	100.00%	100.00%	100.00%	46.87%	45.63%	42.69%	41.44%	43.45%	42.64%	43.51%	43.61%	41.63%	41.19%	41.66%	39.76%	39.30%	40.95%	41.68%	41.54%	42.88%	41.32%	38.68%	37.75%	28.70%
Operating Expense	1.65B	1.92B	0	0	599.80M	728.30M	769.80M	834.00M	926.00M	914.20M	1.00B	1.14B	1.20B	1.17B	1.17B	1.67B	1.70B	1.17B	1.27B	1.04B	1.05B	964.20M	867.80M	863.40M	375.50M
Operating Income	663.40M	823.50M	3.15B	3.55B	1.27B	1.31B	1.32B	1.35B	1.28B	1.30B	1.39B	1.33B	1.11B	1.14B	1.11B	483.70M	473.40M	1.12B	934.00M	967.30M	1.12B	884.90M	817.50M	725.80M	784.20M
Operating Margin	28.66%	30.02%	100.00%	100.00%	31.83%	29.34%	26.98%	25.65%	25.23%	25.04%	25.22%	23.48%	19.98%	20.34%	20.23%	8.92%	8.57%	20.07%	17.65%	20.01%	22.15%	19.77%	18.76%	17.24%	19.41%
EBITDA	2.41B	2.74B	3.15B	3.55B	1.35B	1.41B	1.45B	1.55B	1.44B	1.49B	1.65B	1.59B	1.39B	1.42B	1.38B	757.40M	752.50M	1.41B	1.73B	1.20B	1.25B	1.29B	817.50M	917.50M	934.30M
EBITDA Margin	104.01%	100.00%	100.00%	100.00%	33.82%	31.65%	29.51%	29.42%	28.40%	28.71%	30.03%	28.15%	25.00%	25.27%	25.16%	13.97%	13.62%	25.15%	32.71%	24.80%	24.63%	28.90%	18.76%	21.79%	23.12%
Net Income	407.90M	494.10M	633.70M	751.60M	927.40M	914.00M	857.30M	919.00M	848.80M	909.90M	1.17B	1.03B	798.40M	852.40M	837.80M	253.20M	-557.10M	851.90M	1.06B	744.30M	805.80M	910.60M	626.00M	934.20M	499.60M
Net Income Margin	17.62%	18.01%	20.11%	21.19%	23.26%	20.45%	17.50%	17.40%	16.70%	17.52%	21.22%	18.11%	14.41%	15.20%	15.28%	4.67%	-10.08%	15.24%	20.00%	15.39%	15.89%	20.35%	14.37%	22.19%	12.36%
R&D	-	-	-	-	-	-	-	-	0	0	0	0	0	0	0	0.06	0.06	0.18	0.25	0.18	0.18	0.23	0.17	-	-
R&D as % of Total Revenue	-	-	-	-	-	-	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Interest Expense	-	0	0	0	0	53.40M	189.00M	171.20M	157.90M	169.90M	181.90M	179.60M	195.60M	176.60M	167.90M	152.50M	142.10M	149.60M	152.00M	118.50M	105.50M	101.00M	105.30M	119.80M	143.20M
Interest Expense % of Total Revenue	-	0.00%	0.00%	0.00%	0.00%	1.19%	3.86%	3.24%	3.11%	3.27%	3.31%	3.17%	3.53%	3.15%	3.06%	2.81%	2.57%	2.68%	2.87%	2.45%	2.08%	2.26%	2.42%	2.85%	3.54%

Balance Sheet

Currency: USD	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	2.19B	2.47B	-	3.31B	4.59B	5.32B	5.78B	5.58B	7.35B	7.93B	9.07B	9.47B	10.12B	9.89B	9.46B	9.42B	9.23B	9.00B	8.76B	9.50B	8.82B	8.50B	8.20B	8.37B	8.31B
Total Liabilities	846.40M	999.00M	-	1.40B	1.79B	5.64B	5.73B	5.59B	7.00B	7.35B	8.18B	8.53B	9.02B	8.59B	8.05B	8.52B	9.72B	9.31B	8.80B	9.31B	8.47B	8.02B	7.72B	7.40B	7.35B
Total Equity	1.34B	1.47B	-	1.91B	2.80B	-314.80M	50.70M	-8.10M	353.50M	582.70M	894.80M	940.60M	1.10B	1.30B	1.40B	902.20M	-491.40M	-309.80M	-39.50M	186.60M	355.60M	477.80M	479.00M	968.90M	957.80M
Cash	-	-	-	469.70M	510.20M	1.77B	2.00B	1.30B	1.69B	2.16B	2.08B	2.35B	2.61B	2.62B	1.32B	877.50M	838.20M	2.22B	1.82B	1.43B	1.21B	1.29B	1.27B	2.11B	1.64B
Total Debt	-	-	-	-	163.50M	3.32B	3.34B	3.14B	3.05B	3.29B	3.58B	4.33B	4.21B	3.72B	4.22B	3.29B	3.03B	3.43B	3.47B	3.15B	3.28B	2.78B	2.50B	3.13B	3.10B
Net Debt	-	-	-	-	-346.70M	1.55B	1.34B	1.85B	1.36B	1.13B	1.50B	1.98B	1.60B	1.10B	1.91B	1.91B	2.20B	1.21B	1.65B	1.64B	1.80B	1.49B	1.24B	1.03B	1.47B

Cash Flow

Currency: USD	2001-12-31	2002-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2001-12-31	2002-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	526.10M	607.50M	907.00M	1.00B	1.11B	1.10B	1.25B	1.22B	994.40M	1.17B	1.19B	1.09B	1.05B	1.07B	1.04B	742.00M	821.30M	914.60M	877.50M	1.05B	581.60M	783.10M	406.30M	543.70M
Investing Cash Flow	-	-	-	-428.40M	-384.70M	-202.00M	-453.70M	-324.10M	-64.60M	-1.36B	-258.20M	-341.30M	-89.40M	-286.40M	-271.10M	-204.60M	-328.80M	632.30M	-113.40M	192.00M	525.50M	-140.80M	-16.30M	-230.30M
Financing Cash Flow	-	-	-	-533.90M	187.30M	-530.10M	-1.30B	-504.40M	-457.60M	-601.10M	-521.50M	-450.70M	-1.25B	-1.25B	-1.21B	-570.50M	-357.20M	-1.07B	-773.50M	-1.27B	-1.18B	-896.80M	-69.30M	-782.60M
Capital Expenditure	0	0	26.50M	65.00M	202.30M	192.10M	70.90M	98.90M	113.70M	162.50M	268.20M	241.30M	179.00M	266.50M	229.80M	177.10M	339.00M	127.70M	156.80M	214.60M	208.20M	147.80M	37.40M	150.80M
Free Cash Flow	526.10M	607.50M	-	937.80M	906.60M	911.40M	1.18B	1.12B	880.70M	1.01B	917.10M	847.30M	866.90M	804.60M	812.10M	564.90M	482.30M	786.90M	720.70M	830.70M	373.40M	635.30M	368.90M	392.90M
Dividends Paid	-	-	675.50M	417.20M	2.96B	30.00M	28.40M	41.20M	165.30M	194.20M	254.20M	277.20M	265.20M	316.50M	312.20M	325.60M	341.70M	340.80M	370.30M	381.60M	364.20M	349.00M	321.50M	309.00M
FCF to OCF	100.00%	100.00%	-	93.52%	81.76%	82.59%	94.35%	91.88%	88.57%	86.17%	77.37%	77.83%	82.89%	75.12%	77.94%	76.13%	58.72%	86.04%	82.13%	79.47%	64.20%	81.13%	90.79%	72.26%
Dividend Paid to FCF	-	-	-	44.49%	326.67%	3.29%	2.40%	3.68%	18.77%	19.18%	27.72%	32.72%	30.59%	39.34%	38.44%	57.64%	70.85%	43.31%	51.38%	45.94%	97.54%	54.93%	87.15%	78.65%

Earnings

Report Date	Oct 23, 2006	Jan 31, 2007	Apr 24, 2007	Jul 24, 2007	Oct 23, 2007	Jan 31, 2008	Apr 22, 2008	Jul 22, 2008	Oct 21, 2008	Feb 5, 2009	Apr 21, 2009	Jul 21, 2009	Oct 20, 2009	Feb 3, 2010	Apr 27, 2010	Jul 27, 2010	Oct 26, 2010	Feb 1, 2011	Apr 26, 2011	Jul 26, 2011	Oct 25, 2011	Feb 7, 2012	Apr 24, 2012	Jul 24, 2012	Oct 30, 2012	Feb 12, 2013	Apr 30, 2013	Jul 30, 2013	Oct 29, 2013	Feb 11, 2014	May 1, 2014	Jul 31, 2014	Oct 30, 2014	Feb 10, 2015	Apr 30, 2015	Jul 30, 2015	Oct 29, 2015	Feb 9, 2016	May 3, 2016	Aug 3, 2016	Nov 1, 2016	Feb 9, 2017	May 2, 2017	Aug 3, 2017	Nov 2, 2017	Feb 13, 2018	May 1, 2018	Aug 2, 2018	Nov 1, 2018	Feb 7, 2019	May 7, 2019	Aug 1, 2019	Oct 31, 2019	Feb 11, 2020	May 5, 2020	Aug 4, 2020	Oct 29, 2020	Feb 10, 2021	May 4, 2021	Aug 4, 2021	Nov 2, 2021	Feb 10, 2022	Apr 28, 2022	Aug 3, 2022	Nov 1, 2022	Feb 7, 2023	May 2, 2023	Jul 26, 2023	Oct 25, 2023	Feb 6, 2024	Apr 24, 2024	Jul 30, 2024	Oct 23, 2024	Feb 4, 2025	Apr 23, 2025	Jul 28, 2025	Oct 23, 2025	Feb 20, 2026	Apr 24, 2026	Jul 30, 2026	Oct 22, 2026
EPS Estimate	0.28	0.26	0.25	0.26	0.28	0.31	0.28	0.31	0.34	0.34	0.27	0.30	0.32	0.32	0.30	0.32	0.35	0.35	0.34	0.37	0.39	0.40	0.40	0.43	0.45	0.35	0.33	0.34	0.36	0.32	0.35	0.36	0.38	0.34	0.38	0.39	0.44	0.41	0.38	0.40	0.44	0.43	0.39	0.41	0.45	0.44	0.42	0.47	0.48	0.49	0.43	0.46	0.46	0.43	0.42	0.35	0.46	0.42	0.44	0.47	0.58	0.52	0.43	0.41	0.42	0.35	0.34	0.39	0.39	0.37	0.41	0.45	0.44	0.42	0.41	0.44	0.43	0.43	0.39	0.43	0.35
EPS Actual	0.32	0.28	0.25	0.26	0.30	0.32	0.29	0.33	0.33	0.37	0.32	0.31	0.33	0.31	0.30	0.37	0.37	0.38	0.35	0.42	0.40	0.40	0.40	0.46	0.46	0.42	0.37	0.36	0.39	0.31	0.37	0.36	0.44	0.42	0.39	0.41	0.45	0.42	0.37	0.42	0.44	0.47	0.35	0.50	0.53	0.41	0.45	0.46	0.52	0.49	0.39	0.45	0.49	0.38	0.44	0.41	0.57	0.45	0.44	0.48	0.63	0.64	0.51	0.51	0.42	0.32	0.43	0.51	0.43	0.37	0.45	0.44	0.46	0.40	0.41	0.42	0.47	0.45	0.25	0.31	-
Surprise	14.29%	7.69%	0.00%	0.00%	7.14%	3.23%	3.57%	6.45%	-2.94%	8.82%	18.52%	3.33%	3.13%	-3.13%	0.00%	15.63%	5.71%	8.57%	2.94%	13.51%	2.56%	0.00%	0.00%	6.98%	2.22%	20.00%	12.12%	5.88%	8.33%	-3.13%	5.71%	0.00%	15.79%	23.53%	2.63%	5.13%	2.27%	2.44%	-2.63%	5.00%	0.00%	9.30%	-10.26%	21.95%	17.78%	-6.82%	7.14%	-2.13%	8.33%	0.00%	-9.30%	-2.17%	6.52%	-11.63%	4.76%	17.14%	23.91%	7.14%	0.00%	2.13%	8.62%	23.08%	18.60%	24.39%	0.00%	-8.57%	26.47%	30.77%	10.26%	0.00%	9.76%	-2.22%	4.55%	-4.76%	0.00%	-4.55%	9.30%	4.36%	-35.90%	-27.91%	-
Timing	After-hours	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	-	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	-	Pre-market	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	-	Pre-market	After-hours	After-hours

Key Statistics & Ratios

Market Cap1.86B

Enterprise Value1.80B

Trailing P/E4.93

Forward P/E3.88

PEG Ratio10.21

Price / Sales0.46

Price / Book2.08

EPS1.21

Book Value2.93

Revenue (TTM)4.04B

Gross Profit (TTM)1.42B

EBITDA832.50M

Profit Margin9.80%

Operating Margin13.04%

Return on Equity43.98%

Return on Assets5.12%

Shares Outstanding311.88M

Shares Float309.80M

Beta0.54

Dividend Yield15.36%

Dividend Rate0.94

Payout Ratio63.51%

Analyst Ratings

Hold

Based on 20 analystsTarget 6.88

Strong Buy
2
Hold
11
Sell
4
Strong Sell
3

Ownership Breakdown

Institutions: 100.59%
Insiders: 0.86%
Retail / Other: 0.00%

Top Institutional Holders

BlackRock Inc
24.89M7.98%
Vanguard Portfolio Management, LLC
18.08M5.80%
Schroder Investment Management Group
17.34M5.56%
Capital Research Global Investors
14.67M4.70%
Vanguard Capital Management, LLC
14.19M4.55%
Allianz Asset Management AG
11.62M3.72%
State Street Corp
11.28M3.62%
LSV Asset Management
10.98M3.52%
Charles Schwab Investment Management Inc
10.96M3.51%
AQR Capital Management LLC
10.70M3.43%
Geode Capital Management, LLC
8.00M2.56%
Morgan Stanley - Brokerage Accounts
7.96M2.55%
Dimensional Fund Advisors, Inc.
7.68M2.46%
The Goldman Sachs Group Inc
7.09M2.27%
Northern Trust Corp
6.58M2.11%

Top Fund Holders

iShares Core S&P Small-Cap ETF
19.00M6.09%
American Funds Capital Inc Bldr A
14.27M4.58%
Vanguard MStar Total Stk Mkt Idx Invest
9.90M3.17%
Schwab US Dividend Equity ETF™
8.55M2.74%
Vanguard Small Cap Index
7.18M2.30%

Dividends

20263×

0.23Sep 16, 20260.23Jun 16, 20260.23Mar 17, 2026

20254×

0.23Dec 22, 20250.23Sep 16, 20250.23Jun 16, 20250.23Mar 17, 2025

20244×

0.23Dec 23, 20240.23Sep 16, 20240.23Jun 14, 20240.23Mar 14, 2024

20234×

0.23Dec 19, 20230.23Sep 14, 20230.23Jun 15, 20230.23Mar 16, 2023

20224×

0.23Dec 16, 20220.23Sep 15, 20220.23Jun 15, 20220.23Mar 16, 2022

20214×

0.23Dec 16, 20210.23Sep 15, 20210.23Jun 15, 20210.23Mar 16, 2021

20201×

0.23Dec 18, 2020