Western Union Co (WU) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Western Union Co stock (WU) is currently trading at $9.02. Western Union Co PE ratio is 5.93. Western Union Co PS ratio (Price-to-Sales) is 0.71. Analyst consensus price target for WU is $9.62. WallStSmart rates WU as Hold.
- WU PE ratio analysis and historical PE chart
- WU PS ratio (Price-to-Sales) history and trend
- WU intrinsic value — DCF, Graham Number, EPV models
- WU stock price prediction 2025 2026 2027 2028 2029 2030
- WU fair value vs current price
- WU insider transactions and insider buying
- Is WU undervalued or overvalued?
- Western Union Co financial analysis — revenue, earnings, cash flow
- WU Piotroski F-Score and Altman Z-Score
- WU analyst price target and Smart Rating
Western Union Co
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WU Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Western Union Co (WU)
WU is trading near its Graham intrinsic value of $10.34, suggesting the stock is reasonably priced at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Western Union Co (WU) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, price/sales, institutional own.. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Western Union Co (WU) Key Strengths (4)
Every $100 of shareholder equity generates $52 in profit
Paying less than $1 for every $1 of annual revenue
107.53% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Western Union Co (WU) Areas to Watch (6)
Revenue declining -4.70%, a shrinking business
Earnings declining -69.20%, profits shrinking
Growth is fairly priced, not cheap, not expensive
Decent operational efficiency, solid but not exceptional
Fairly priced relative to book value
Decent profitability, keeps $12 per $100 revenue
Western Union Co (WU) Detailed Analysis Report
Overall Assessment
This company scores 61/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Price/Sales, Institutional Own.. Valuation metrics including Price/Sales (0.71) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 51.90%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, PEG Ratio. Some valuation metrics including PEG Ratio (1.68), Price/Book (2.95) suggest expensive pricing. Growth concerns include Revenue Growth at -4.70%, EPS Growth at -69.20%, which may limit upside. Profitability pressure is visible in Operating Margin at 19.50%, Profit Margin at 12.30%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 51.90% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at -4.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Return on Equity, Price/Sales) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WallStSmart Analysis Synopsis
Data-driven financial summary for Western Union Co (WU) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Western Union Co faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 4.1B with 470% decline year-over-year. Profit margins of 12.3% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 5190.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 106M in free cash flow and 135M in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 470% YoY. Worth determining whether this is cyclical or structural.
Debt-to-equity ratio of 2.80 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Margin expansion: can Western Union Co push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 10.2%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Western Union Co.
Bottom Line
Western Union Co faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(69 last 3 months)
| Insider | Type | Shares |
|---|---|---|
PANT, MILIND Director | Buy | +16,905 |
| Insider | Type | Shares |
|---|---|---|
HAWKSWORTH, BENJAMIN SCOTT Chief Operating Officer | Sell | -3,145 |
Data sourced from SEC Form 4 filings
Last updated: 4:19:15 AM
About Western Union Co(WU)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
USA
The Western Union Company is an American worldwide financial services and communications company, headquartered in Denver, Colorado.