Western Union CO WU

Latest FY: 2025 Financial Services Credit Services
Market Price $7.46
Market Cap $2.34B
P/E Ratio 4.90
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↓-3.7% YoY
$3.88B
3-Yr CAGR: -3.0%
Net Income ↓-46.5% YoY
$499.60M
Net Margin: 12.9%
Free Cash Flow ↑36.9% YoY
$505.20M
FCF Yield: 21.56%
EPS (Diluted) ↓-44.5% YoY
$1.52
Basic: $1.53
Return on Equity Efficiency
N/A
ROA: 140.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (WU)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $5,422.9M $2,152.9M $253.2M $0.51 $1,041.9M $973.1M
FY 2017 $5,524.3M +1.9% $1,704.9M $-557.1M -320.0% $-1.19 -333.3% $735.8M $666.7M -31.5%
FY 2018 $5,382.6M -2.6% $2,081.8M $851.9M +252.9% $1.87 +257.1% $821.3M $684.6M +2.7%
FY 2019 $5,033.2M -6.5% $1,946.7M $1,058.3M +24.2% $2.46 +31.6% $914.6M $866.5M +26.6%
FY 2020 $4,625.1M -8.1% $1,798.6M $744.3M -29.7% $1.79 -27.2% $877.5M $841.0M -2.9%
FY 2021 $4,865.5M +5.2% $1,969.1M $805.8M +8.3% $1.97 +10.1% $1,045.3M $1,007.6M +19.8%
FY 2022 $4,254.0M -12.6% $1,627.6M $910.6M +13.0% $2.34 +18.8% $581.6M $549.7M -45.4%
FY 2023 $4,158.0M -2.3% $1,486.3M $626.0M -31.3% $1.68 -28.2% $783.1M $760.2M +38.3%
FY 2024 $4,027.1M -3.1% $1,406.6M $934.2M +49.2% $2.74 +63.1% $406.3M $368.9M -51.5%
FY 2025 $3,879.6M -3.7% $1,329.0M $499.6M -46.5% $1.52 -44.5% $543.7M $505.2M +36.9%
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Valuation

Market Price $7.46
Market Cap $2.34B
Enterprise Value $3.99B
P/E Ratio 4.90
P/B Ratio N/A
FCF Yield 21.56%
Dividend Yield 12.61%
Shares Outstanding 312,435,100
%

Profitability & Margins

Gross Margin 34.26%
Operating Margin 19.52%
Net Margin 12.88%
Return on Equity (ROE) N/A
Return on Assets (ROA) 140.22%
Asset Turnover 10.89x
Revenue 3-Yr CAGR -3.02%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity N/A
Debt / Assets 8.097
Cash & Equivalents $1.23B
Total Debt $2.88B
Book Value / Share N/A
💧

Cash Flow Efficiency

Operating Cash Flow $543.70M
Capital Expenditures (CapEx) $38.50M
Free Cash Flow $505.20M
OCF / Revenue 14.01%
FCF / Revenue 13.02%
FCF 3-Yr CAGR -2.77%
🏷️

Per Share Metrics

EPS (Diluted) $1.52
EPS (Basic) $1.53
Dividends / Share $0.94
Book Value / Share N/A
EPS YoY Growth -44.53%
🏛️

Balance Sheet (FY 2025)

Total Assets $356.30M
Total Liabilities $153.20M
Stockholders' Equity N/A
Current Assets N/A
Current Liabilities N/A