US · WU
The Western Union Company
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Denver, CO 80237
- Website
- westernunion.com
Price · as of 2025-12-31
$9.21
Market cap 3.06B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $27.24 | +195.77% |
| Intrinsic Value(DCF) | $4.97 | -46.04% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $6.58 | -28.51% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.05 | $36.22 | $2.24 | $0.97 | $25.28 |
| 2012 | $7.70 | $31.55 | $3.83 | $0.00 | $18.98 |
| 2013 | $9.07 | $31.30 | $1.76 | $0.00 | $8.64 |
| 2014 | $10.90 | $32.18 | $2.29 | $0.00 | $14.83 |
| 2015 | $11.02 | $31.02 | $2.53 | $0.00 | $9.85 |
| 2016 | $11.72 | $28.27 | $0.42 | $0.00 | $3.61 |
| 2017 | $12.45 | $26.73 | $0.00 | $0.00 | $0.00 |
| 2018 | $11.51 | $30.67 | $0.61 | $0.00 | $17.50 |
| 2019 | $14.88 | $34.73 | $0.00 | $0.00 | $7.34 |
| 2020 | $17.12 | $34.34 | $0.74 | $0.00 | $0.00 |
| 2021 | $12.45 | $33.93 | $1.57 | $0.00 | $25.20 |
| 2022 | $8.55 | $27.14 | $0.49 | $0.00 | $0.00 |
| 2023 | $11.71 | $29.94 | $0.77 | $0.00 | $9.53 |
| 2024 | $10.48 | $31.50 | $1.80 | $0.00 | $13.40 |
| 2025 | $9.56 | $27.24 | $2.00 | $0.00 | $6.58 |
AI valuation
Our deep-learning model estimates The Western Union Company's (WU) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $27.24
- Current price
- $9.21
- AI upside
- +195.77%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$4.97
-46.04% upside
Graham-Dodd
—
— upside
Graham Formula
$6.58
-28.51% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| WU | The Western Union Company | $9.21 | 3.06B | +196% | -46% | — | -29% | 6.25 | 3.26 | 0.77 | 2.02 | — | -2.09 | 28.70% | 19.41% | 12.36% | 51.86% | 53.28% | 5.99% | 0.00 | 5.48 | 16.52 | 16.52 | -1.32 | -4416.00% | -401.00% | 651.00% | 12.58% | 7.28 | 33.43% | 9.90% | 61.80% | 110.05% | 2.41 | 4.81 | 0.47 | 1.22 |
| BFH | Bread Financial Holdings,… | $70.86 | 3.23B | +40% | -4% | +46% | +1% | 6.24 | 0.97 | 0.69 | 5.55 | 6.29 | 1.24 | 63.33% | 13.07% | 11.02% | 16.24% | 11.82% | 2.27% | 1.32 | 0.72 | 0.27 | 0.27 | 1.14 | 9927.00% | -206.00% | 1253.00% | 64.72% | 0.14 | 47.37% | 1.30% | 8.10% | 48.63% | 6.27 | 1.84 | 0.82 | -0.08 |
| BHF | Brighthouse Financial, In… | $59.98 | 3.43B | +104% | -60% | +116% | +512% | 7.91 | 0.51 | 0.55 | 1.91 | 31.91 | 0.51 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -2.98% | — | -2.68% | 2.98% | 23.60% | 15.94% | 2.52 | -11.69 | 0.19 | 0.07 |
| ENVA | Enova International, Inc. | $139.05 | 3.44B | +195% | +268% | -24% | +132% | 11.37 | 2.62 | 1.11 | 15.09 | 20.35 | 3.33 | 50.13% | 23.46% | 9.78% | 24.34% | 10.78% | 5.26% | 3.41 | 4.36 | 0.23 | 18.26 | 8.48 | 5585.00% | 1858.00% | 1851.00% | 50.55% | 5.95 | 33.60% | 0.00% | 0.00% | 0.00% | 10.81 | 4.51 | 2.54 | 1.67 |
| ETOR | eToro Group Ltd. | $30.67 | 2.57B | +165% | -28% | -3% | — | 11.87 | 1.84 | 2.83 | 5.21 | — | 1.90 | 92.99% | 27.97% | 23.81% | 19.37% | -17.07% | 14.46% | 0.07 | — | 217.88 | 217.88 | -3.64 | -7409.00% | -9282.00% | -320.00% | 10.06% | 43.91 | -20.39% | 0.00% | 0.00% | 2.33% | 5.48 | 5.39 | 1.53 | 5.85 |
| NMIH | NMI Holdings, Inc. | $39.31 | 3.02B | +898% | +3,601% | +49% | +106% | 7.91 | 1.19 | 4.36 | 6.53 | 71.51 | 1.19 | 91.83% | 70.84% | 55.12% | 16.17% | 14.03% | 10.82% | 0.16 | 17.55 | 0.00 | 0.00 | 0.71 | 1106.00% | 839.00% | 668.00% | 13.41% | 0.00 | 14.88% | 0.00% | 0.00% | 3.42% | 6.90 | 8.36 | 4.89 | -123.67 |
| SF | Stifel Financial Corp. | $74.05 | 11.46B | -1% | +57% | +4% | +33% | 11.36 | 1.30 | 1.23 | 5.12 | — | 1.76 | 86.56% | 13.83% | 10.86% | 11.72% | 16.19% | 1.68% | 0.14 | 1.07 | 4.49 | 6.49 | -1.50 | -592.00% | 694.00% | 15320.00% | 13.58% | 1.31 | 24.98% | 0.00% | 0.00% | 19.25% | 5.48 | 4.53 | 0.76 | 0.58 |
| TBBK | The Bancorp, Inc. | $52.49 | 2.42B | -12% | -12% | -24% | -48% | 10.86 | 3.59 | 3.59 | 4.03 | 73.93 | 3.59 | 74.26% | 43.89% | 33.05% | 30.85% | -166.02% | 2.52% | 0.61 | — | 8.66 | 8.66 | 1.37 | 1469.00% | -277.00% | 1583.00% | 10.41% | 1.33 | -187.63% | 0.00% | 0.00% | 15.27% | 4.03 | 4.73 | 1.77 | 0.55 |
| WSBC | WesBanco, Inc. | $34.87 | 3.35B | -13% | +150% | -55% | +55% | 12.87 | 0.70 | 2.06 | 13.18 | — | 1.17 | 61.31% | 19.53% | 15.99% | 5.69% | 6.11% | 0.83% | 0.53 | 0.53 | 0.06 | 0.06 | 4.51 | -996.00% | 1488.00% | 3668.00% | 10.29% | 0.01 | 8.09% | 5.00% | 64.40% | 17.12% | 14.26 | 13.16 | 2.79 | -0.62 |
| WSFS | WSFS Financial Corporatio… | $63.51 | 3.47B | -25% | -15% | -7% | -56% | 12.29 | 1.29 | 2.60 | 6.07 | 79.72 | 2.01 | 74.70% | 28.01% | 21.14% | 10.81% | 16.54% | 1.36% | 0.11 | 1.30 | 0.08 | 0.08 | -2.51 | 1542.00% | -305.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.19% | 6.50 | — | 1.82 | -0.68 |
| ZION | Zions Bancorporation, Nat… | $57.28 | 8.46B | -30% | -15% | -22% | -23% | 9.51 | 1.19 | 1.73 | -4.36 | 44.43 | 1.40 | 67.05% | 23.77% | 18.18% | 13.51% | -19.67% | 1.01% | 0.64 | 0.75 | 6.04 | 6.04 | 3.02 | 2141.00% | -98.00% | -666.00% | 11.47% | 0.36 | -21.47% | 3.12% | 29.70% | 3.60% | -4.79 | -5.74 | -1.14 | 0.49 |
About The Western Union Company
The 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.
- CEO
- Devin McGranahan
- Employees
- 9.1K
- Beta
- 0.54
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($4.97 ÷ $9.21) − 1 = -46.04% (DCF, example).