WU

Western Union Co

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Advanced Chart

8.440

-0.14(-1.632%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

8.600

Open

8.580

VWAP

Vol

12.60M

Mkt Cap

2.79B

Low

8.410

Amount

EV/EBITDA(TTM)

4.75

Total Shares

338.34M

4.34B

EV/OCF(TTM)

9.42

P/S(TTM)

2.96

The Western Union Company is a provider of cross-border, cross-currency money movement, payments, and digital financial services, empowering consumers, businesses, financial institutions, and governments. Its segments include Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers, which are primarily sent from its retail agent and owned locations worldwide or through Websites and mobile devices. Its money transfer service is provided through one interconnected global network. This service is available for international cross-border transfers and, in certain countries, intra-country transfers. The Consumer Services segment includes the Company’s bill payment services, money order services, retail foreign exchange services, media network, prepaid cards, lending partnerships, and digital wallets. The Company provides its services primarily through a network of agent locations in more than 200 countries and territories.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2025Q3

FY2025Q2

1.07B

+1.38%

0.453

+13.21%

1.04B

+0.52%

0.455

-1%

1.04B

-2.1%

0.441

+0.27%

Estimates Revision

The market is revising Upward the revenue expectations for The Western Union Company (WU) for FY2025, with the revenue forecasts being adjusted by 0.05% over the past three months. During the same period, the stock price has changed by -16.93%.

Revenue Estimates for FY2025

Revise Upward

+0.05%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-0.2%

In Past 3 Month

Stock Price

Go Down

-16.93%

In Past 3 Month

14 Analyst Rating

26.78% Upside

Wall Street analysts forecast WU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for WU is 10.70 USD with a low forecast of 7.50 USD and a high forecast of 15.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

9 Hold

4 Sell

Hold

26.78% Upside

Current: 8.440

Low

7.50

Averages

10.70

High

15.00

26.78% Upside

Current: 8.440

Low

7.50

Averages

10.70

High

15.00

Deutsche Bank

Hold

maintain

2025-07-17

Reason

Deutsche Bank

Price Target

2025-07-17

maintain

Hold

Reason

Deutsche Bank resumed coverage of Western Union with a Hold rating and $9 price target. The firm resumed coverage on 25 stocks in the payments, processors, and IT services industry with nine Buys, 14 Holds, and two restricted ratings. Both industries have materially underperformed the S&P 500 Index year-to-date as investor expectations increased around the November election, leading to an end of year run-up "that has since proven overly-optimistic," the analyst tells investors in a research note. The firm says that with trade uncertainty and consumer spending concerns, the outlook for the group "is as cloudy as it has been in the last five years." In this uncertain environment, Deutsche favors "high-quality compounders" with consistent sales growth, margin expansion, and free cash flow generation.

Oppenheimer

Rayna Kumar

Perform

initiated

2025-06-02

Reason

Oppenheimer

Rayna Kumar

Price Target

2025-06-02

initiated

Perform

Reason

Oppenheimer analyst Rayna Kumar initiated coverage of Western Union with a Perform rating. The firm says that while Western Union is making progress defending its market share through increased investments in digital capabilities, strategic pricing, and partnerships with fintechs and the card networks, Oppenheimer remains on the sidelines until it sees clearer evidence of a sustained revenue growth turnaround. Western Union continues to face headwinds from tightening U.S. immigration policy, intensifying competition from digital-native players and aggressive pricing from legacy cash-to-cash money remittance providers. That said, the stock offers an attractive dividend yield near 10%, which may be compelling for income-oriented investors, the firm adds.

Keefe Bruyette

Market Perform

downgrade

$12 -> $11

2025-04-24

Reason

Keefe Bruyette

Price Target

$12 -> $11

2025-04-24

downgrade

Market Perform

Reason

Keefe Bruyette lowered the firm's price target on Western Union to $11 from $12 and keeps a Market Perform rating on the shares.

Monness Crespi

Gus Gala

Neutral -> Sell

downgrade

$7.50

2025-04-24

Reason

Monness Crespi

Gus Gala

Price Target

$7.50

2025-04-24

downgrade

Neutral -> Sell

Reason

Monness Crespi analyst Gus Gala downgraded Western Union to Sell from Neutral with a $7.50 price target.

Monness Crespi

Gus Gala

Neutral -> Sell

downgrade

$7.50

2025-04-24

Reason

Monness Crespi

Gus Gala

Price Target

$7.50

2025-04-24

downgrade

Neutral -> Sell

Reason

As previously reported, Monness Crespi analyst Gus Gala downgraded Western Union to Sell from Neutral with a $7.50 price target. Revenue came in below consensus as weakness in the North America CMT segment, particularly around retail and, to a lesser extent, slower consumer services, dragged, the analyst tells investors. Looking to calendar year 2025, reiterated guidance that assumes continued growth in digital, stable retail, and double-digit consumer services growth is "going to be challenging" considering the firm's concerns around retention in the digital channel and the company's commentary around pricing plans and a playbook similar to EU for the retail fleet, the analyst tells investors.

BMO Capital

Market Perform

downgrade

$12 -> $11

2025-04-24

Reason

BMO Capital

Price Target

$12 -> $11

2025-04-24

downgrade

Market Perform

Reason

BMO Capital lowered the firm's price target on Western Union to $11 from $12 and keeps a Market Perform rating on the shares after its in-line Q1 results. The stock remains a show-me story, and BMO believes investors should wait for more evidence of durable revenue growth, the analyst tells investors in a research note.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Western Union Co (WU.N) is 4.83, compared to its 5-year average forward P/E of 8.59. For a more detailed relative valuation and DCF analysis to assess Western Union Co 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Undervalued

5Y Average PE

8.59

Current PE

4.83

Overvalued PE

10.67

Undervalued PE

6.51

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

Undervalued

5Y Average EV/EBITDA

6.77

Current EV/EBITDA

4.35

Overvalued EV/EBITDA

8.18

Undervalued EV/EBITDA

5.35

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Undervalued

5Y Average PS

1.32

Current PS

0.68

Overvalued PS

1.70

Undervalued PS

0.94