profit from every $100 of sales.
$0$100
The Western Union
$6.74+1.35% today
-24.7% in 1 year
1-year low $5.901-year high $10.28
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $4.21 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What The Western Union sold, what it kept, and what it did with the cash.
Sales went from $4.48 billion in 2022 to $4.05 billion in 2025, with $500 million of profit last year.
SalesProfit
The Western Union handed back more cash to shareholders than it generated last year.
Buybacks $235M$309M
Free cash flow 2025$393M
Bought back its own shares$235M
Paid as dividends$309M
Cash vs. debt$1.6B vs. $3.1B
The Western Union vs. similar companies
The Western Union grows the slowest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| The Western Union | 4.2× · Cheap | ||
 Sunbelt Rentals Holdings | 22.3× · Fair price | ||
 Global Payments | 17.4× · Fair price | ||
 Synchrony Financial | 6.3× · Cheap | ||
 SoFi Technologies | 41.6× · Expensive |
AI analysis
An AI analyst reads The Western Union's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 4,476 | 4,357 | 4,210 | 4,051 | |
| 1,849 | 1,685 | 1,589 | 1,500 | |
| 885 | 818 | 726 | 757 | |
| 1,293 | 1,035 | 918 | 934 | |
| 911 | 626 | 934 | 500 | |
| 2.34 | 1.68 | 2.74 | 1.52 | |
| 41.3% | 38.7% | 37.8% | 37.0% | |
| 19.8% | 18.8% | 17.2% | 18.7% | |
| 20.3% | 14.4% | 22.2% | 12.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 8,496 | 8,199 | 8,371 | 8,306 |
| Cash | 1,286 | 1,269 | 2,106 | 1,636 |
| Total debt | 2,617 | 2,667 | 3,132 | 3,104 |
| Total liabilities | 8,019 | 7,720 | 7,402 | 7,348 |
| 478 | 479 | 969 | 958 | |
| 388 | 372 | 341 | 328 | |
| 28.3% | 21.4% | 14.2% | 15.0% | |
| 190.6% | 130.7% | 96.4% | 52.2% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 582 | 783 | 406 | 544 | |
| 208 | 148 | 131 | 151 | |
| 373 | 635 | 276 | 393 | |
| Dividends paid | 364 | 349 | 322 | 309 |
| 370 | 308 | 186 | 235 | |
| – | – | – | – |
Valuation
- 4.2×
- 3.8×
- –
- 2.8×
- 0.5×
- 5.4×
- 3.8×
- 18.7%
- 23.8%
- 11.6%
Profitability
- 37.0%
- 18.7%
- 12.3%
- 21.8%
- 15.2%
- 29.4%
- 47.9%
- 5.4%
- 8.9%
- –
Growth
- −3.3%
- −13.4%
- +6.5%
- +0.9%
- −5.3%
Financial health
- 1.6×
- 0.00
- 0.0%
- 2.0×
- 13.86
- 13.86
- 0.50
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 20%of 516
Bottom 44%of 414
Top 5%of 905
Bottom 10%of 928
Top 15%of 918
What analysts expect
- Average price target
- $9.00
- Range
- $9.00 – $9.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 24, 2026 | 0.25 | 0.40 | −37.5% |
| Feb 20, 2026 | 0.45 | 0.43 | +4.7% |
| Oct 23, 2025 | 0.47 | 0.43 | +9.3% |
| Jul 28, 2025 | 0.42 | 0.44 | −4.5% |
| Apr 23, 2025 | 0.41 | 0.40 | +2.5% |
| Feb 4, 2025 | 0.40 | 0.42 | −4.8% |
| Oct 23, 2024 | 0.46 | 0.44 | +4.5% |
| Jul 30, 2024 | 0.44 | 0.45 | −2.2% |
11.6%of the share price, paid each year
On $1,000 invested$116a year at today's yield, before tax
+0.9%2020 to 2025
Raised–not every year
Paid per share, each year
$0.62 in 2015 → $0.94 in 2025
How safe it looks
61.8% of its profit
Room to growStretchedMore than it earns: 78.6%
News
Western Union purchase of Intermex gets conditional California approvalSeeking Alpha · Nov 11, 2026Western Forest Products reports Q3 resultsSeeking Alpha · Nov 6, 2026What Did Western Digital's Latest Quarter Change For Its Stock?Yahoo Finance · Oct 28, 2026Western Digital, Allegro MicroSystems, Amtech, and Teradyne shares skyrocket, what you need to knowYahoo Finance · Oct 27, 2026Western New England GAAP EPS of $0.32 beats by $0.06, revenue of $23.9M beats by $2.84MSeeking Alpha · Oct 27, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
71Pass
Benjamin Graham
79Pass
Philip Fisher
54No pass
Peter Lynch
28No pass
Joel Greenblatt
71Pass
Charlie Munger
71Pass
Terry Smith
57No pass
Questions about The Western Union
Is The Western Union a good stock to buy?
A solid business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the The Western Union AI analysis
What does The Western Union do?
The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. It is in Financial - Credit Services, based in Denver, CO, United States, with 9,600 employees.
Does The Western Union pay a dividend?
Yes. At today's price the dividend is 11.6% a year, about 62% of its yearly profit. In 2025 it paid out $309 million in dividends.
Is The Western Union stock halal?
No. The Western Union does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has The Western Union stock done over the past year?
Down 24.7% over the past twelve months, to $6.74. It traded between $5.90 and $10.28 and is 34.4% below its high.
Who are The Western Union's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with The Western Union's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.