Zacks Investment Research·Jun 29, 2026
Western Union (WU) Beats Stock Market Upswing: What Investors Need to KnowWestern Union (WU) closed the most recent trading day at $7.63, moving +1.19% from the previous trading session.
The Western Union Company(WU)Earnings, Financials & Key Ratios
WU•NYSE
$7.95
5.2× P/E·Price updated Jul 7, 2026
AboutThe Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents and sub-agents; and offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through websites and mobile devices. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals; and foreign currency forward and option contracts. It also offers bill payment services that facilitates payments from consumers to businesses and other organizations, as well as offers money order and other services. The company was founded in 1851 and is headquartered in Denver, Colorado.Show more
- EBITDA$950M+4.9%
- Net Income$500M-46.5%
- EPS (Diluted)1.53-44.2%
- Gross Margin28.7%-24.0%
- EBITDA Margin23.5%+9.3%
- Operating Margin19.41%+12.6%
- Net Margin12.36%-44.3%
- ROE51.86%-59.8%
WU Price & Volume
The Western Union Company (WU) stock price & volume — 10-year historical chart
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Structural Margin Compression Challenges Western Union Outlook
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Strained
Financial:Healthy
Cash Flow:Deteriorating
Primary Risk:Structural Market Share Erosion
Key Thesis Takeaways
- Western Union faces a difficult transition as its legacy physical agent network struggles against agile digital competitors, evidenced by a contraction in operating margins to 12.5% in 2026Q1.
- While the company has successfully achieved a debt-free balance sheet, the persistent erosion of core profitability and volatile earnings quality suggest significant long-term structural headwinds.
- Investors should monitor whether the company can stabilize its free cash flow, which has declined to a 6.3% margin, before committing capital to this declining remittance model.
Verdict Logic
the company's structural decline is highlighted by a 44.4% year-over-year EPS contraction in 2026Q1 and a lack of scalable operating leverage.
WU Growth Metrics
The Western Union Company (WU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-3.01%
5 Years-3.52%
3 Years-3.35%
TTM-
Profit CAGR
10 Years-5.04%
5 Years-7.66%
3 Years-18.14%
TTM-51.83%
EPS CAGR
10 Years-0.57%
5 Years-3.09%
3 Years-13.21%
TTM-49.44%
Return on Capital
10 Years17.25%
5 Years19.63%
3 Years16.45%
Last Year12.53%
WU Recent Earnings
The Western Union Company (WU) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 24, 2026Metric
Actual
Est
EPS
$0.25-37.5%
$0.40
Rev
$983M+2.3%
$961M
Q1 2026
Feb 20, 2026Metric
Actual
Est
EPS
$0.45+4.7%
$0.43
Rev
$1.0B-3.5%
$1.0B
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.47+9.3%
$0.43
Rev
$1.0B-0.9%
$1.0B
Q3 2025
Jul 28, 2025Metric
Actual
Est
EPS
$0.42-4.5%
$0.44
Rev
$1.0B-1.5%
$1.0B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $0.25vs $0.40-37.5% | $983Mvs $961M+2.3% |
| Q1 2026 | Feb 20, 2026 | $0.45vs $0.43+4.7% | $1.0Bvs $1.0B-3.5% |
| Q4 2025 | Oct 23, 2025 | $0.47vs $0.43+9.3% | $1.0Bvs $1.0B-0.9% |
| Q3 2025 | Jul 28, 2025 | $0.42vs $0.44-4.5% | $1.0Bvs $1.0B-1.5% |
Based on last 12 quarters of dataView full earnings history →
Latest WU News
Recent stock market news and headlines for The Western Union Company (WU)
Zacks Investment Research·Jun 26, 2026
Western Union Expands Reach With Total Wireless Plan IntegrationWU teams up with Total Wireless to offer one fee-free money transfer monthly, expanding digital reach through telecom subscriptions.
Globe News Wire·Jun 25, 2026
Total Wireless se convierte en el primer operador de EE. UU. en incluir transferencias de dinero de Western Union en sus planes de telefonía seleccionadosNUEVA YORK Y DENVER, June 25, 2026 (GLOBE NEWSWIRE) -- Total Wireless, proveedor de servicios inalámbricos de rápido crecimiento y sin contrato, impulsado por la red 5G de Verizon. Hoy, anunció una asociación oficial con Western Union para ofrecer, por primera vez en la industria, un beneficio de transferencias de dinero para sus clientes moviles.
Globe News Wire·Jun 25, 2026
Total Wireless Becomes First U.S. Carrier to Include Western Union Money Transfers in Select Wireless PlansNEW YORK and DENVER, June 25, 2026 (GLOBE NEWSWIRE) -- Total Wireless, a leading provider of premium, affordable wireless plans on Verizon's 5G network, today announced a landmark partnership with Western Union to bring a first-of-its-kind benefit to wireless customers. Starting today, customers on the Total Wireless MAX 5G BYO, MAX 5G and ALL ACCESS plans will receive one money transfer per month on us.
GlobeNewsWire·Jun 25, 2026
Total Wireless Becomes First U.S. Carrier to Include Western Union Money Transfers in Select Wireless PlansIn an industry-first move, customers on select plans can call, text and send money to 200+ countries with one monthly transfer on us In an industry-first move, customers on select plans can call, text and send money to 200+ countries with one monthly transfer on us
Peers Comparison
Key metrics vs top competitors for The Western Union Company (WU)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $7.95 | $2.49B | 5.20 | -4% | 12.36% | 51.86% | 11.86% | |
| $14.59 | $439.08M | 13.51 | -7.72% | 5.27% | 16.51% | — | |
| $45.65 | $40.27B | 8.44 | 4.32% | 15% | 25.08% | — | |
| $352.20 | $675.68B | 34.53 | 11.34% | 51.68% | 58.9% | — | |
| $531.62 | $470.6B | 32.18 | 16.42% | 45.88% | 205.79% | — | |
| $42.60 | $22.02B | 56.80 | 5.43% | 22.91% | 18.45% | — |
Compare WU vs Peers
The Western Union Company (WU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
WU SEC Filings & Documents
The Western Union Company (WU) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Apr 24, 2026·SEC
Material company update
Mar 16, 2026·SEC
Material company update
Mar 9, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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WU Frequently Asked Questions
The Western Union Company (WU) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is The Western Union Company's revenue?
The Western Union Company (WU) reported $4.05B in revenue for fiscal year 2025.
How fast is The Western Union Company growing?
The Western Union Company (WU) saw revenue decline by 4.0% over the past year.
Is WU profitable?
Yes, The Western Union Company (WU) is profitable, generating $440.8M in net income for fiscal year 2025 (12.4% net margin).
Dividend & Returns
Does WU pay dividends?
Yes, The Western Union Company (WU) pays a dividend with a yield of 11.86%. This makes it attractive for income-focused investors.
What is WU's return on equity?
The Western Union Company (WU) has a return on equity (ROE) of 51.9%. This is excellent, indicating efficient use of shareholder capital.
What is The Western Union Company's free cash flow?
The Western Union Company (WU) generated $331.3M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.