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Western Union Company

Western Union Company

W3U.F
Western Union Companyundefined flagFrankfurt Stock Exchange
7.00
EUR
-0.11
- -
2.19BMarket Cap
Western Union Company
W3U.F
(Frankfurt Stock Exchange)

Recent

price

7.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.79
8.71
9.36
9.96
10.51
10.7
11.06
11.81
12.37
12.38
11.73
12.47
11.56
11.75
12.38
12.4
12.64
Revenue per Share
1.37
1.85
1.7
1.43
1.6
1.63
0.52
-1.19
1.89
2.47
1.81
1.98
2.35
1.69
2.75
1.53
1.38
Basic EPS, GAAP
1.37
1.78
1.86
1.81
1.83
1.91
1.99
1.44
1.52
1.95
1.92
2.31
1.15
1.81
0.85
1.29
1.18
Free Cash Flow per Basic Share
0.25
0.31
0.42
0.5
0.5
0.62
0.64
0.7
0.76
0.8
0.9
0.94
0.94
0.94
0.95
0.95
0.96
Dividend per Share
0.9
1.22
1.26
1.59
1.83
1.92
0.87
-2.05
-1.85
-1.57
-1.31
-1.31
-0.9
-1.04
0.11
-0.03
-0.23
Book Value per Share
-3.01
-5
-5.15
-5.21
-4.91
-4.81
-5.96
-8.13
-8.04
-7.25
-7
-5.15
-5.2
-5.22
-4.14
-4.58
-4.94
Tangible Book Value per Share
666
631
605
557
533
513
490
468
452
428
412
407
387
371
340
327
320
Basic Weighted Avg Shares
5,193
5,491
5,665
5,542
5,607
5,484
5,423
5,524
5,590
5,292
4,835
5,071
4,476
4,357
4,210
4,051
4,050
Sales/Revenue/Turnover
25.04
25.22
23.48
19.98
20.34
20.23
8.98
17.01
20.07
17.65
20.01
22.15
19.77
18.76
17.24
18.7
17.36
Operating Margin (%)
176
193
246
263
272
270
263
263
265
258
226
208
184
184
179
165
170
Depreciation Expense
910
1,165
1,026
798
852
838
253
-557
852
1,058
744
806
911
626
934
500
441
Net Income, GAAP
20.55
8.57
12.23
13.86
11.96
11.04
25.9
260.32
14.07
19.91
12.96
13.86
9.72
16.06
- -
20.15
22.46
Effective Tax Rate (%)
17.52
21.22
18.11
14.41
15.2
15.28
4.67
-10.08
15.24
20
15.39
15.89
20.35
14.37
22.19
12.33
10.88
Profit Margin (%)
1,475
78
1,134
1,428
1,125
638
-474
-958
-1,612
-733
-402
104
-304
36
4,445
567
99
Working Capital
3,290
2,986
4,029
4,213
3,720
3,216
2,786
3,034
2,309
2,727
2,722
2,636
2,137
2,302
3,132
2,669
2,289
LT Debt
583
895
941
1,105
1,300
1,405
902
-491
-310
-40
187
356
478
479
969
958
910
Total Equity
25.35
30.11
24.91
17.79
18.73
19.7
8.08
-38.19
24.19
18.97
22.48
23.6
20.61
20.29
- -
15.06
14.41
Return on Invested Capital (%)
28.33
34.86
27.71
19.56
20.59
22.2
9.89
-29.72
41.97
50.71
39.99
36.89
44.88
38.58
- -
21.05
20.76
Return on Capital (%)
175.28
170.84
134.4
97.18
91.82
85.66
36.01
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
150
435
334
LT Borrowings
2,442
2,443
2,289
LT Finance Leases
- -
226
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
318
316
313
Market Capitalization
2,649
3,025
2,814

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
4,215
4,998
4,449
Cash, Cash Equivalents & STI
2,822
3,082
2,929
Accounts Receivable, Net
1,393
1,602
1,520
Inventories
- -
- -
- -
Total Current Liabilities
3,902
4,431
4,350
Payables & Accruals
3,752
3,932
4,016
ST Debt
150
435
334
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-66.06%
45.26%
-1.15%
Free Cash Flow
-0.69%
1.21%
46.16%
Net Income, GAAP
-65.54%
-1.45%
-46.52%
Sales/Revenue/Turnover
-2.87%
-3.33%
-3.78%
Total Cash Common Dividend
-0.12%
-3.49%
-3.89%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,049
1,066
1,036
1,058
4,210
2025
984
1,026
1,033
1,008
4,051
2026
983
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.41
0.42
0.78
1.14
2.75
2025
0.37
0.37
- -
0.36
1.53
2026
0.21
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
0.24
0.24
0.24
0.95
2025
0.24
0.23
- -
0.23
0.95
2026
0.25
- -
- -
- -
- -
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Business
Western Union Company provides global money movement and payment services with a focus on cross-border transfers, bill payments, and related financial solutions for individuals, small businesses, and organizations. The company operates through three primary segments: Consumer-to-Consumer, which enables person-to-person money transfers via a dense retail network and digital channels; Consumer-to-Business, which facilitates one-time and recurring payments to utilities, service providers, financial institutions, and government entities; and Business Solutions, which delivers cross-border and cross-currency payment and foreign exchange services for small and midsize enterprises and other organizations. It also offers a range of ancillary services including money orders, retail currency exchange, prepaid cards, digital wallet features, and other payment-related services. Founding year and headquarters: Western Union is headquartered in Denver, Colorado, United States, and traces its origins to 1851. The company maintains a global footprint with operations in more than 200 countries and territories, supported by its network of agents, partners, and direct digital platforms. Latest major changes: In the last 1–2 years Western Union expands its geographic footprint by pursuing outbound licensing and market launches, including activities in the Philippines and Indonesia, and accelerates digital platform modernization across multiple countries in the Americas, Europe, and Asia; it progresses in launching next-generation platforms and expanding digital services, with ongoing partnerships and strategic alliances to broaden distribution and enhance settlement efficiency. It collaborates with major retailers and financial institutions to enhance reach and digital adoption, while investing in technology-driven settlements and blockchain-enabled workflows to optimize capital efficiency and reduce pre-funding requirements; these initiatives align with targeted revenue growth and expansion plans through 2028 and beyond. Industry context and segments: The company sits within the financial technology and payments services industry, with business lines spanning consumer money transfers, business-to-consumer and business payments, cross-border FX, and digital financial services. Geographic operations cover the United States, Europe, Latin America, Asia-Pacific, the Middle East, and Africa, with a focus on expanding in high-growth digital markets and regulatory-compliant cross-border payment ecosystems. Subsidiaries and affiliates operate under Western Union branding and partner networks, with shared governance and integration into a global operating model.