The Western Union Company (WU) Stock

The Western Union Company (WU) is a Technology stock trading at $8.23 (as of 2026-07-24), with a market capitalization of $2.57B and a trailing P/E of 5.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

The Western Union Company provides money transfer and payment services across consumer and business use cases. It operates through Consumer-to-Consumer services for cross-border and domestic transfers, and Business Solutions offering cross-border payment and foreign exchange capabilities, including services such as bill payments and money orders for individuals and organizations.

Understand The Western Union Company: how it makes money

Western Union provides money movement and payment services worldwide, and it makes money from transactions that include consumer-to-consumer money transfers and business payments and foreign exchange solutions.

Western Union’s profit model is transaction-based, with revenue tied to money transfer and payment activity across two streams, consumer-to-consumer transfers (using a third-party agent network and digital channels) and business solutions (cross-border, cross-currency payments and foreign exchange).

Business quality (Mixed): Company and segment activities are clear, but the provided segment revenue numbers do not cleanly map to the two official reportable segments (Consumer-to-Consumer and Business Solutions), so no mutually exclusive segment revenue split is used.

Valuation: Trades at 6× trailing earnings · $2B market cap.

Bull case

  • Transaction coverage across consumer and business: The business includes both consumer-to-consumer money transfer activity and business payments and foreign exchange solutions, so performance is not limited to one customer type.
  • Channel mix includes agents and digital: Consumer-to-consumer transfers are facilitated through third-party agents and sub-agents, and also through websites and mobile devices, which can support flexibility in how transactions are initiated.

Bear case

  • Sensitivity to transaction demand: Because revenue is driven by money transfer and payment transactions, weaker transaction activity could reduce results.
  • Exposure to cross-border and cross-currency flows: Business Solutions is focused on cross-border and cross-currency transactions, which can be a risk factor if those transaction patterns deteriorate.
Valuation — source: SEC EDGAR (first-party)
Price$8.23
Market Cap$2.57B
P/E Ratio5.7
EV / EBITDA5.3
Price / Book2.82
Price / Sales0.64
FCF Yield30.1%
DCF Value (model)$37.88
DCF Upside vs Price360.3%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$4.05B
Net Margin12.3%
Revenue Growth (YoY)-3.8%
EPS Growth (YoY)-44.4%
FCF Growth (YoY)36.9%
Valuation vs Sector & Industry
Stock P/E5.7
Sector P/E (Technology)34.6
Industry P/E (Business Services)29.7
vs Sector-83.5%
vs Industry-80.8%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($320.93M)
Institutional Holders Tracked10
Congressional Trades (recent)3
Company
SectorTechnology
IndustryBusiness Services
CEODevin McGranahan
Employees9,100
CountryUS
IPO Date2006-10-02

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WU earnings history · WU institutional & insider holders · WU KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-24.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.