The Western Union Company (WU) Stock Analysis
Financial Services · Credit Services · NYSE
The Western Union Company (WU) posted $4.05B in revenue for fiscal 2025 (down 3.8% year over year), at a 12.3% net margin, and has compounded revenue about -3.5%/yr over five years, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on The Western Union Company
The Western Union Company has grown revenue from $5.42B to $4.05B over the last 10 fiscal years, compounding about -3.5% a year. The most recent year was down 3.8%, roughly in line with its longer-run pace.
Net margin sits at 12.3%, down 9.9 points year over year on a 37% gross margin. It carries about $2.88B of total debt.
At today's valuation the market is pricing in roughly -13.6% annual free-cash-flow growth — versus the -9.7% it actually delivered over the last five years, so the price is arguably undemanding against what it has already proven. The one thing worth a second look in the filings is heavy debt load.
Synthesised from The Western Union Company's SEC filings — descriptive, not advice. Ask the analyst your own question →
The Western Union Company revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.42B | $5.52B | $5.59B | $5.29B | $4.83B | $5.07B | $4.48B | $4.36B | $4.21B | $4.05B |
| Gross profit | $2.16B | $2.17B | $2.29B | $2.21B | $2.01B | $2.17B | $1.85B | $1.69B | $1.59B | $1.50B |
| Net income | $253.20M | $-557.10M | $851.90M | $1.06B | $744.30M | $805.80M | $910.60M | $626.00M | $934.20M | $499.60M |
| Net margin | 4.7% | -10.1% | 15.2% | 20.0% | 15.4% | 15.9% | 20.3% | 14.4% | 22.2% | 12.3% |
Source: The Western Union Company SEC filings (10-K). 19 years of history available in the interactive view.
The Western Union Company: 2 potential red flags in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Heavy debt loadTotal debt of $2884.9M is 5.3× last year's operating cash flow — it would take years of cash flow to clear.
- Net margin shrinkingNet margin fell from 20.3% to 12.3% over ~3 years — profitability is compressing.
What growth is priced into WU stock?
At today's market cap of $2.29B, The Western Union Company is priced for free-cash-flow growth of about -13.6% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $505.20M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -9.7%/yr over the last five fiscal years and revenue -3.5%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 19 years of The Western Union Company financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
Open the interactive view — freeThe Western Union Company financial history by metric
Compare The Western Union Company with peers
About The Western Union Company
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.
The Western Union Company — frequently asked questions
What is The Western Union Company's revenue?
The Western Union Company (WU) reported revenue of $4.05B for fiscal year 2025, down 3.8% from the prior year, according to its SEC filings.
Is The Western Union Company profitable?
Yes. WU earned net income of $499.60M in fiscal 2025, a net margin of 12.3%.
What is WU's P/E ratio?
The Western Union Company trades at a price-to-earnings ratio of about 5.4 based on the latest data in our nightly-refreshed cache.
How fast is The Western Union Company growing?
WU's revenue grew at roughly -3.5% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does The Western Union Company have?
As of fiscal year 2025, WU carried roughly $2.88B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is The Western Union Company's gross margin?
WU's gross margin was 37.0% in fiscal 2025 — gross profit of $1.50B on revenue of $4.05B.
What is The Western Union Company's market cap?
The Western Union Company (WU) has a market capitalization of about $2.29B, based on the latest data in our nightly-refreshed cache.
When does The Western Union Company's fiscal year end?
WU's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into WU stock?
At today's market cap of $2.29B, The Western Union Company is priced for free-cash-flow growth of about -13.6% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $505.20M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -9.7%/yr over the last five fiscal years and revenue -3.5%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from The Western Union Company's official SEC filings (10-K and 10-Q), covering 19 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.