What is The Western Union Company's earnings per share (EPS)?

The Western Union Company (WU) reported diluted earnings per share of $1.52 for fiscal year 2025. This represents a -44.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

The Western Union Company (WU) Financials

Trailing 12 months to June 30, 2026

Revenue $4.0B -1.6% YoY

Net Income $395.4M -55.9% YoY

EPS (Diluted) $1.22 -53.8% YoY

Free Cash Flow $565.4M +22.4% YoY

Market Cap $1.9B as of Oct 13, 2026

Price / Sales 0.5x on $4.0B revenue, trailing 12 months to June 30, 2026

Price / Earnings 4.8x on $395.4M net income, trailing 12 months to June 30, 2026

Price / Book 2.1x on $914.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 30, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WU SEC filings page.

The Western Union Company (WU) reported $4.0B in revenue over the twelve months to Jun 30, 2026, down 1.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI WU FY2025 2026-10-03

Western Union remains cash-generative despite shrinking revenue, but declining gross margins and shareholder distributions complicate its balance-sheet improvement.

The FY2024 profit spike was not matched by cash: net income reached $934M while operating cash flow was $406M, alongside a tax benefit of $316M. In FY2025, operating cash flow of $544M again exceeded net income of $500M, suggesting the prior year's earnings strength was unusually influenced by tax effects rather than operating cash generation.

Gross margin narrowed from 42.9% in FY2021 to 37.0% in FY2025, indicating weaker economics per revenue dollar. In FY2025, operating margin recovered to 18.7% while SG&A fell to $743M, showing expense reduction offsetting part of that pressure.

Debt-to-equity declined from 7.7x in FY2021 to 3.0x in FY2025 as equity expanded and long-term debt was lower, though leverage remains material relative to its capital base. FY2025 free cash flow of $505M was below dividends plus buybacks of about $544M, so shareholder distributions exceeded internally generated cash that year.

Financial Health Signals

Financial Health Score 35/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of The Western Union Company's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

The Western Union Company has an operating margin of 18.7%, meaning the company retains $19 of operating profit per $100 of revenue. This strong profitability earns a score of 86/100, reflecting efficient cost management and pricing power. This is up from 17.2% the prior year.

Growth

The Western Union Company's revenue declined 3.8% year-over-year, from $4.2B to $4.1B. This contraction results in a growth score of 19/100.

Leverage

The Western Union Company has a moderate D/E ratio of 3.01. This balance of debt and equity financing earns a leverage score of 34/100.

Liquidity

Not available for The Western Union Company, and counted as zero in the overall score.

Cash Flow

The Western Union Company converts 12.5% of revenue into free cash flow ($505.2M). This strong cash generation earns a score of 72/100.

Returns

Not available for The Western Union Company, and counted as zero in the overall score.

Piotroski F-Score Partial

5/8

The Western Union Company passes 5 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.09x

For every $1 of reported earnings, The Western Union Company generates $1.09 in operating cash flow ($543.7M OCF vs $499.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Safe

5.30x

The Western Union Company earns $5.30 in operating income for every $1 of interest expense ($757.3M vs $143.0M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.0B

YoY-1.3%

QoQ+3.1%

5Y CAGR-4.7%

10Y CAGR-3.0%

The Western Union Company generated $1.0B in revenue in Q2 2026. This represents a decrease of 1.3% from the same quarter a year earlier. Against the prior quarter it is up 3.1%.

EBITDA

$181.4M

YoY-22.1%

QoQ+6.9%

5Y CAGR-10.2%

The Western Union Company's EBITDA was $181.4M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 22.1% from the same quarter a year earlier. Against the prior quarter it is up 6.9%.

Net Income

$76.7M

YoY-37.2%

QoQ+18.5%

5Y CAGR-19.2%

10Y CAGR-9.4%

The Western Union Company reported $76.7M in net income in Q2 2026. This represents a decrease of 37.2% from the same quarter a year earlier. Against the prior quarter it is up 18.5%.

EPS (Diluted)

$0.24

YoY-35.1%

QoQ+20.0%

5Y CAGR-15.0%

10Y CAGR-5.4%

The Western Union Company earned $0.24 per diluted share (EPS) in Q2 2026. This represents a decrease of 35.1% from the same quarter a year earlier. Against the prior quarter it is up 20.0%.

Cash & Balance Sheet

Free Cash Flow

$94.6M

YoY+1312.8%

QoQ-7.8%

5Y CAGR-10.5%

10Y CAGR-9.6%

The Western Union Company generated $94.6M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 1312.8% from the same quarter a year earlier. Against the prior quarter it is down 7.8%.

Cash & Debt

$919.8M

YoY-9.8%

QoQ+1.2%

5Y CAGR-2.8%

10Y CAGR-2.3%

The Western Union Company held $919.8M in cash against $2.5B in long-term debt as of Q2 2026.

Dividends Per Share

$0.23

YoY0.0%

QoQ0.0%

5Y CAGR0.0%

10Y CAGR+3.9%

The Western Union Company paid $0.23 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

312M

YoY-3.4%

QoQ-0.2%

5Y CAGR-5.2%

10Y CAGR-4.4%

The Western Union Company had 312M shares outstanding in Q2 2026. This represents a decrease of 3.4% from the same quarter a year earlier. Against the prior quarter it is down 0.2%.

Margins & Returns

Gross Margin

33.2%

YoY-4.1pp

QoQ-0.2pp

5Y change-8.3pp

The Western Union Company's gross margin was 33.2% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is down 4.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.

Operating Margin

13.0%

YoY-5.7pp

QoQ+0.5pp

5Y change-6.7pp

10Y change-5.9pp

The Western Union Company's operating margin was 13.0% in Q2 2026, reflecting core business profitability. This is down 5.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.

Net Margin

7.6%

YoY-4.3pp

QoQ+1.0pp

5Y change-9.7pp

10Y change-7.4pp

The Western Union Company's net profit margin was 7.6% in Q2 2026, showing the share of revenue converted to profit. This is down 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.0 percentage points.

Return on Equity

8.4%

YoY-5.4pp

QoQ+1.3pp

5Y change-69.3pp

The Western Union Company's ROE was 8.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 5.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.3 percentage points.

Capital Allocation

Share Buybacks

$11.1M

YoY-86.0%

QoQ-79.0%

5Y CAGR-31.9%

10Y CAGR-19.8%

The Western Union Company spent $11.1M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 86.0% from the same quarter a year earlier. Against the prior quarter it is down 79.0%.

Capital Expenditures

$10.3M

YoY+37.3%

QoQ+60.9%

5Y CAGR+2.3%

10Y CAGR-2.1%

The Western Union Company invested $10.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 37.3% from the same quarter a year earlier. Against the prior quarter it is up 60.9%.

R&D Spending

Not reported for Q2 2026.

WU Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

WU quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$4.0B	$4.1B-3.8%	$4.2B-3.4%	$4.4B-2.6%	$4.5B-11.7%	$5.1B+4.9%	$4.8B-8.6%	$5.3B-5.3%	$5.6B+1.2%	$5.5B+1.9%	$5.4B-1.1%	$5.5B-2.2%	$5.6B+1.2%	$5.5B-2.2%	$5.7B+3.2%	$5.5B
Cost of Revenue	$2.6B	$2.6B-2.7%	$2.6B-1.9%	$2.7B+1.7%	$2.6B-9.3%	$2.9B+2.5%	$2.8B-8.4%	$3.1B-6.5%	$3.3B-1.6%	$3.4B+2.6%	$3.3B	N/A	N/A	N/A	N/A	N/A
Gross Profit	$1.4B	$1.5B-5.6%	$1.6B-5.7%	$1.7B-8.9%	$1.8B-15.0%	$2.2B+8.3%	$2.0B-8.9%	$2.2B-3.6%	$2.3B+5.4%	$2.2B+0.7%	$2.2B	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$774.4M	$742.8M-14.0%	$863.4M-0.5%	$867.8M-10.0%	$964.2M-8.3%	$1.1B+1.0%	$1.0B-18.1%	$1.3B+9.0%	$1.2B-5.2%	$1.2B-26.2%	$1.7B+42.1%	$1.2B+0.5%	$1.2B-2.5%	$1.2B+5.2%	$1.1B+13.6%	$1.0B
Operating Income	$642.3M	$757.3M+4.3%	$725.8M-11.2%	$817.5M-7.6%	$884.9M-21.2%	$1.1B+16.1%	$967.3M+3.6%	$934.0M-16.8%	$1.1B+135.8%	$475.8M-2.3%	$487.0M-56.1%	$1.1B-2.7%	$1.1B+3.0%	$1.1B-16.7%	$1.3B-4.0%	$1.4B
EBITDA	N/A	$922.7M+2.0%	$904.9M-9.6%	$1.0B-6.3%	$1.1B-19.7%	$1.3B+11.6%	$1.2B+0.1%	$1.2B-14.1%	$1.4B+87.7%	$738.7M-1.5%	$750.2M-45.6%	$1.4B-2.3%	$1.4B+3.1%	$1.4B-13.1%	$1.6B-0.1%	$1.6B
Interest Expense	$149.4M	$143.0M+19.4%	$119.8M+13.8%	$105.3M+4.3%	$101.0M-4.3%	$105.5M-11.0%	$118.5M-22.0%	$152.0M+1.6%	$149.6M+5.3%	$142.1M-6.8%	$152.5M-9.2%	$167.9M-4.9%	$176.6M-9.7%	$195.6M+8.9%	$179.6M-1.3%	$181.9M
Income Tax	$108.8M	$126.1M+140.0%	-$315.6M-363.4%	$119.8M+22.2%	$98.0M-24.4%	$129.6M+17.0%	$110.8M-57.9%	$263.1M+88.6%	$139.5M-84.6%	$904.6M+922.1%	$88.5M-14.9%	$104.0M-10.2%	$115.8M-9.9%	$128.5M-10.1%	$142.9M+30.9%	$109.2M
Net Income	$395.4M	$499.6M-46.5%	$934.2M+49.2%	$626.0M-31.3%	$910.6M+13.0%	$805.8M+8.3%	$744.3M-29.7%	$1.1B+24.2%	$851.9M+252.9%	-$557.1M-320.0%	$253.2M-69.8%	$837.8M-1.7%	$852.4M+6.8%	$798.4M-22.2%	$1.0B-12.0%	$1.2B
EPS (Basic)	N/A	$1.53-44.4%	$2.75+62.7%	$1.69-28.1%	$2.35+18.7%	$1.98+9.4%	$1.81-26.7%	$2.47+30.7%	$1.89+258.8%	-$1.19-328.8%	$0.52-68.1%	$1.63+1.9%	$1.60+11.9%	$1.43-15.9%	$1.70-8.1%	$1.85
EPS (Diluted)	$1.22	$1.52-44.5%	$2.74+63.1%	$1.68-28.2%	$2.34+18.8%	$1.97+10.1%	$1.79-27.2%	$2.46+31.6%	$1.87+257.1%	-$1.19-333.3%	$0.51-68.5%	$1.62+1.9%	$1.59+11.2%	$1.43-15.4%	$1.69-8.2%	$1.84
Diluted Shares (Avg)	N/A	328M-4.0%	341M-8.3%	372M-4.3%	388M-5.0%	409M-1.5%	415M-3.6%	431M-5.2%	454M-2.9%	468M-5.2%	494M-4.5%	517M-3.7%	537M-4.1%	560M-7.9%	607M-4.2%	634M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$1.0B-1.3%	$982.7M-0.1%	$1.0B-4.7%	$1.0B-0.3%	$1.0B-3.8%	$983.6M-6.2%	$1.1B+0.6%	$1.0B-5.6%
Cost of Revenue	$676.7M+5.3%	$654.9M+5.8%	$645.4M-2.5%	$643.2M-1.6%	$642.8M-3.2%	$619.2M-3.4%	$661.7M+0.9%	$653.6M-4.9%
Gross Profit	$336.5M-12.2%	$327.8M-10.0%	$363.0M-8.4%	$389.4M+1.8%	$383.3M-4.8%	$364.4M-10.6%	$396.5M+0.1%	$382.4M-6.9%
SG&A Expenses	$204.4M+7.2%	$204.8M+9.5%	$177.7M-18.6%	$187.5M-13.8%	$190.6M-10.0%	$187.0M-13.3%	$218.4M-7.8%	$217.5M+8.9%
Operating Income	$132.1M-31.4%	$123.0M-30.7%	$185.3M+4.0%	$201.9M+22.4%	$192.7M+1.0%	$177.4M-7.7%	$178.1M+11.8%	$164.9M-21.8%
EBITDA	$181.4M-22.1%	$169.7M-22.6%	$227.3M+2.6%	$243.2M+17.0%	$232.9M-1.6%	$219.3M-8.1%	$221.5M+8.4%	$207.9M-19.1%
Interest Expense	$39.5M+7.6%	$36.2M+11.0%	$36.7M+20.7%	$37.0M+14.9%	$36.7M+18.0%	$32.6M+24.9%	$30.4M+15.6%	$32.2M+19.3%
Income Tax	$18.7M-50.3%	$25.4M+6.7%	$36.7M+115.4%	$28.0M+121.7%	$37.6M+55.4%	$23.8M-12.8%	-$238.0M-1491.8%	-$129.1M-487.7%
Net Income	$76.7M-37.2%	$64.7M-47.6%	$114.4M-70.3%	$139.6M-47.3%	$122.1M-13.4%	$123.5M-13.5%	$385.7M+203.7%	$264.8M+54.9%
EPS (Basic)	$0.25-32.4%	$0.21-43.2%	$0.36-68.4%	$0.43-44.9%	$0.37-11.9%	$0.37-9.8%	$1.14+216.7%	$0.78+69.6%
EPS (Diluted)	$0.24-35.1%	$0.20-44.4%	$0.35-69.0%	$0.43-44.9%	$0.37-9.8%	$0.36-12.2%	$1.13+222.9%	$0.78+69.6%
Diluted Shares (Avg)	314M-4.9%	317M-6.6%	N/A	323M-4.9%	330M-2.9%	339M-1.9%	N/A	340M-9.5%

Not reported in any period shown, so not listed: R&D Expenses.

WU Balance Sheet

WU quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$8.3B-0.8%	$8.4B+2.1%	$8.2B-3.5%	$8.5B-3.7%	$8.8B-7.1%	$9.5B+8.4%	$8.8B-2.6%	$9.0B-2.5%	$9.2B-2.0%	$9.4B-0.3%	$9.4B-4.3%	$9.9B-2.4%	$10.1B+6.9%	$9.5B+4.4%	$9.1B
Cash & Equivalents	$1.2B-16.3%	$1.5B+16.2%	$1.3B-1.3%	$1.3B+6.4%	$1.2B-15.4%	$1.4B-1.5%	$1.5B+49.0%	$973.4M+16.1%	$838.2M-4.5%	$877.5M-33.3%	$1.3B-26.2%	$1.8B-14.0%	$2.1B+16.7%	$1.8B+29.6%	$1.4B
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0-100.0%	$100.2M	$0	$0
Accounts Receivable	$1.6B+14.7%	$1.4B-19.4%	$1.7B+14.0%	$1.5B+29.4%	$1.2B	N/A	$1.2B	N/A	N/A	N/A	N/A	N/A	$14.9M-4.5%	$15.6M+5.4%	$14.8M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$2.1B+1.9%	$2.1B+1.2%	$2.0B0.0%	$2.0B0.0%	$2.0B-20.7%	$2.6B0.0%	$2.6B-5.8%	$2.7B-0.1%	$2.7B-13.7%	$3.2B-0.1%	$3.2B-0.2%	$3.2B-0.1%	$3.2B-0.2%	$3.2B-0.6%	$3.2B
Total Liabilities	$7.3B-0.7%	$7.4B-4.1%	$7.7B-3.7%	$8.0B-5.3%	$8.5B-9.0%	$9.3B+5.8%	$8.8B-5.5%	$9.3B-4.3%	$9.7B+14.2%	$8.5B+5.9%	$8.0B-6.4%	$8.6B-4.7%	$9.0B+5.8%	$8.5B+4.3%	$8.2B
Long-Term Debt	$2.9B-2.2%	$3.0B+37.2%	$2.1B-12.2%	$2.5B-10.9%	$2.8B	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$957.8M-1.1%	$968.9M+102.3%	$479.0M+0.3%	$477.8M+34.4%	$355.6M+90.6%	$186.6M+572.4%	-$39.5M+87.2%	-$309.8M+37.0%	-$491.4M-154.5%	$902.2M-35.8%	$1.4B+8.0%	$1.3B+17.7%	$1.1B+17.4%	$940.6M+5.1%	$894.8M
Retained Earnings	-$11.5M-132.7%	$35.2M+109.0%	-$389.1M-9.9%	-$353.9M+34.1%	-$537.2M+1.1%	-$543.1M+19.6%	-$675.9M+19.4%	-$838.8M+13.2%	-$965.9M-330.4%	$419.3M-57.1%	$977.3M+0.9%	$968.7M+10.4%	$877.3M+16.2%	$754.7M-0.7%	$760.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$8.0B-0.2%	$8.1B-2.9%	$8.3B-0.8%	$7.8B+1.4%	$8.0B+0.2%	$8.3B+3.5%	$8.4B+2.1%	$7.7B-3.0%
Cash & Equivalents	$919.8M-9.8%	$909.2M-29.5%	$1.2B-16.3%	$947.8M-13.6%	$1.0B-1.3%	$1.3B+16.5%	$1.5B+16.2%	$1.1B-3.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$1.5B-3.0%	$1.5B-21.0%	$1.6B+14.7%	$1.4B-5.0%	$1.6B-12.7%	$1.9B+5.7%	$1.4B-19.4%	$1.5B-9.0%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$2.1B+2.5%	$2.1B+2.2%	$2.1B+1.9%	$2.1B+1.3%	$2.1B+1.4%	$2.1B+0.5%	$2.1B+1.2%	$2.1B+1.3%
Total Liabilities	$7.1B-0.7%	$7.2B-2.8%	$7.3B-0.7%	$6.9B-2.3%	$7.1B-5.7%	$7.4B-3.4%	$7.4B-4.1%	$7.0B-3.8%
Long-Term Debt	$2.5B+0.3%	$2.3B-4.7%	$2.9B-2.2%	$2.5B+16.3%	$2.5B+16.4%	$2.5B+14.0%	$3.0B+37.2%	$2.1B0.0%
Total Equity	$914.7M+3.5%	$910.5M-3.1%	$957.8M-1.1%	$925.4M+41.8%	$883.6M+100.5%	$939.4M+136.1%	$968.9M+102.3%	$652.7M+6.4%
Retained Earnings	-$83.8M-138.1%	-$76.9M-2161.8%	-$11.5M-132.7%	-$24.4M+90.9%	-$35.2M+92.2%	-$3.4M+99.3%	$35.2M+109.0%	-$269.5M-17.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities.

WU Cash Flow Statement

WU quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$609.7M	$543.7M+33.8%	$406.3M-48.1%	$783.1M+34.6%	$581.6M-44.4%	$1.0B+19.1%	$877.5M-4.1%	$914.6M+11.4%	$821.3M+10.7%	$742.0M-28.8%	$1.0B-2.7%	$1.1B+2.4%	$1.0B-3.9%	$1.1B-8.2%	$1.2B+0.9%	$1.2B
Depreciation & Amortization	N/A	$165.4M-7.6%	$179.1M-2.5%	$183.6M-0.1%	$183.8M-11.7%	$208.2M-7.7%	$225.6M-12.5%	$257.7M-2.6%	$264.7M+0.7%	$262.9M-0.1%	$263.2M-2.6%	$270.2M-0.6%	$271.9M+3.5%	$262.8M+6.8%	$246.1M+27.8%	$192.6M
Stock-Based Compensation	N/A	$46.6M+19.8%	$38.9M+8.4%	$35.9M-21.1%	$45.5M+2.7%	$44.3M+6.2%	$41.7M-14.7%	$48.9M+2.5%	$47.7M+8.7%	$43.9M+5.0%	$41.8M-0.9%	$42.2M+6.3%	$39.7M+15.1%	$34.5M+1.5%	$34.0M+9.0%	$31.2M
Capital Expenditures	$44.3M	$38.5M+2.9%	$37.4M+63.3%	$22.9M-28.2%	$31.9M-15.4%	$37.7M+3.3%	$36.5M-24.1%	$48.1M-64.8%	$136.7M+97.8%	$69.1M+0.4%	$68.8M-27.1%	$94.4M+39.2%	$67.8M-15.5%	$80.2M+31.7%	$60.9M+15.3%	$52.8M
Free Cash Flow	$565.4M	$505.2M+36.9%	$368.9M-51.5%	$760.2M+38.3%	$549.7M-45.4%	$1.0B+19.8%	$841.0M-2.9%	$866.5M+26.6%	$684.6M+1.7%	$672.9M-30.8%	$973.1M-0.4%	$976.7M-0.1%	$978.1M-3.0%	$1.0B-10.3%	$1.1B+0.2%	$1.1B
Investing Cash Flow	-$178.0M	-$230.3M-1312.9%	-$16.3M+88.4%	-$140.8M-126.8%	$525.5M+173.7%	$192.0M+151.4%	-$373.5M-323.7%	$167.0M+150.8%	-$328.8M-60.7%	-$204.6M+24.5%	-$271.1M+5.3%	-$286.4M-220.4%	-$89.4M+73.8%	-$341.3M-32.2%	-$258.2M+81.0%	-$1.4B
Financing Cash Flow	-$473.8M	-$782.6M-1029.3%	-$69.3M+92.3%	-$896.8M+23.8%	-$1.2B+7.3%	-$1.3B-582.9%	-$185.9M+87.5%	-$1.5B-315.5%	-$357.2M+37.4%	-$570.5M+52.8%	-$1.2B+3.4%	-$1.3B-0.4%	-$1.2B-176.5%	-$450.7M+13.6%	-$521.5M+13.2%	-$601.1M
Dividends Paid	$302.7M	$309.0M-3.9%	$321.5M-7.9%	$349.0M-4.2%	$364.2M-4.6%	$381.6M+3.1%	$370.3M+8.7%	$340.8M-0.3%	$341.7M+4.9%	$325.6M+4.3%	$312.2M-1.4%	$316.5M+19.3%	$265.2M-4.3%	$277.2M+9.0%	$254.2M+30.9%	$194.2M
Share Buybacks	$142.4M	$234.6M+26.0%	$186.2M-39.6%	$308.4M-16.6%	$369.9M-9.8%	$409.9M+71.0%	$239.7M-56.6%	$552.6M+34.0%	$412.4M-18.0%	$502.8M+0.2%	$501.6M-1.9%	$511.3M+3.2%	$495.4M+23.9%	$399.7M-47.9%	$766.5M-4.7%	$803.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$104.9M+35066.7%	$109.0M-26.5%	$135.4M+1.0%	$260.4M+22.8%	-$300K+99.1%	$148.2M+57.7%	$134.0M-49.3%	$212.1M-16.7%
Depreciation & Amortization	$49.3M+22.6%	$46.7M+11.5%	$42.0M-3.2%	$41.3M-4.0%	$40.2M-12.8%	$41.9M-10.1%	$43.4M-3.8%	$43.0M-6.5%
Stock-Based Compensation	$7.9M-31.3%	$8.9M-16.0%	N/A	$9.9M+4.2%	$11.5M+12.7%	$10.6M+21.8%	N/A	$9.5M-2.1%
Capital Expenditures	$10.3M+37.3%	$6.4M+88.2%	$19.9M+39.2%	$7.7M+10.0%	$7.5M+47.1%	$3.4M-69.1%	$14.3M+113.4%	$7.0M+40.0%
Free Cash Flow	$94.6M+1312.8%	$102.6M-29.1%	$115.5M-3.5%	$252.7M+23.2%	-$7.8M+79.9%	$144.8M+74.5%	$119.7M-53.6%	$205.1M-17.8%
Investing Cash Flow	-$69.6M-5.0%	-$55.5M+50.0%	-$27.3M-123.2%	-$25.6M+61.0%	-$66.3M-6.8%	-$111.1M-1663.5%	$117.8M+283.2%	-$65.7M-476.3%
Financing Cash Flow	-$155.9M-757.8%	-$208.2M+70.1%	$154.2M-63.9%	-$263.9M-29.2%	$23.7M-41.5%	-$696.6M-109.1%	$427.5M+791.7%	-$204.2M+9.4%
Dividends Paid	$73.4M-4.4%	$79.4M-3.5%	$74.4M-6.5%	$75.5M-5.2%	$76.8M-6.1%	$82.3M+2.2%	$79.6M-4.1%	$79.6M-8.8%
Share Buybacks	$11.1M-86.0%	$52.9M-31.0%	$26.1M+605.4%	$52.3M+2976.5%	$79.5M+163.2%	$76.7M-49.1%	$3.7M-98.2%	$1.7M-98.1%

WU Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

WU quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Gross Margin	37.0%-0.7pp	37.8%-0.9pp	38.7%-2.6pp	41.3%-1.6pp	42.9%+1.3pp	41.5%-0.1pp	41.7%+0.7pp	40.9%+1.6pp	39.3%-0.5pp	39.8%	N/A	N/A	N/A	N/A	N/A
Operating Margin	18.7%+1.5pp	17.2%-1.5pp	18.8%-1.0pp	19.8%-2.4pp	22.1%+2.1pp	20.0%+2.4pp	17.6%-2.4pp	20.1%+11.5pp	8.6%-0.4pp	9.0%-11.3pp	20.2%-0.1pp	20.3%+0.4pp	20.0%-3.5pp	23.5%-1.7pp	25.2%
Net Margin	12.3%-9.9pp	22.2%+7.8pp	14.4%-6.0pp	20.3%+4.5pp	15.9%+0.5pp	15.4%-4.6pp	20.0%+4.8pp	15.2%+25.3pp	-10.1%-14.8pp	4.7%-10.6pp	15.3%+0.1pp	15.2%+0.8pp	14.4%-3.7pp	18.1%-3.1pp	21.2%
Return on Equity	52.2%-44.3pp	96.4%-34.3pp	130.7%-59.9pp	190.6%-36.0pp	226.6%-172.3pp	398.9%	N/A	N/A	N/A	28.1%-31.6pp	59.6%-5.9pp	65.5%-6.7pp	72.3%-36.8pp	109.1%-21.2pp	130.2%
Return on Assets	6.0%-5.1pp	11.2%+3.5pp	7.6%-3.1pp	10.7%+1.6pp	9.1%+1.3pp	7.8%-4.2pp	12.1%+2.6pp	9.5%+15.5pp	-6.0%-8.7pp	2.7%-6.2pp	8.9%+0.2pp	8.6%+0.7pp	7.9%-2.9pp	10.8%-2.0pp	12.8%
Debt-to-Equity	3.010.0x	3.04-1.4x	4.49-0.6x	5.13-2.6x	7.73-42.2x	49.89	N/A	N/A	N/A	9.44+3.7x	5.73-0.9x	6.61-1.6x	8.16-0.9x	9.06-0.1x	9.14
Asset Turnover	0.490.0x	0.500.0x	0.530.0x	0.530.0x	0.57+0.1x	0.51-0.1x	0.600.0x	0.620.0x	0.600.0x	0.580.0x	0.580.0x	0.570.0x	0.55-0.1x	0.600.0x	0.61
FCF Margin	12.5%+3.7pp	8.8%-8.7pp	17.4%+5.2pp	12.3%-7.6pp	19.9%+2.5pp	17.4%+1.0pp	16.4%+4.1pp	12.3%+0.1pp	12.2%-5.8pp	17.9%+0.1pp	17.8%+0.4pp	17.4%-0.8pp	18.2%-1.7pp	19.9%-0.6pp	20.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Gross Margin	33.2%-4.1pp	33.4%-3.7pp	36.0%-1.5pp	37.7%+0.8pp	37.4%-0.4pp	37.0%-1.8pp	37.5%-0.2pp	36.9%-0.5pp
Operating Margin	13.0%-5.7pp	12.5%-5.5pp	18.4%+1.5pp	19.6%+3.6pp	18.8%+0.9pp	18.0%-0.3pp	16.8%+1.7pp	15.9%-3.3pp
Net Margin	7.6%-4.3pp	6.6%-6.0pp	11.3%-25.1pp	13.5%-12.0pp	11.9%-1.3pp	12.6%-1.0pp	36.4%+24.4pp	25.6%+10.0pp
Return on Equity	8.4%-5.4pp	7.1%-6.0pp	11.9%-27.9pp	15.1%-25.5pp	13.8%-18.2pp	13.2%-22.7pp	39.8%+13.3pp	40.6%+12.7pp
Return on Assets	1.0%-0.6pp	0.8%-0.7pp	1.4%-3.2pp	1.8%-1.7pp	1.5%-0.2pp	1.5%-0.3pp	4.6%+3.1pp	3.5%+1.3pp
Debt-to-Equity	2.74-0.1x	2.560.0x	3.010.0x	2.70-0.6x	2.83-2.0x	2.61-2.8x	3.04-1.4x	3.29-0.2x
Asset Turnover	0.130.0x	0.120.0x	0.120.0x	0.130.0x	0.130.0x	0.120.0x	0.130.0x	0.140.0x
FCF Margin	9.3%+10.1pp	10.4%-4.3pp	11.5%+0.1pp	24.5%+4.7pp	-0.8%+2.9pp	14.7%+6.8pp	11.3%-13.2pp	19.8%-2.9pp

Not reported in any period shown, so not listed: Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
The Western Union Company WU	FY2025	$4.1B	$499.6M	12.3%	$1.9B	35/100
Enova International, Inc. ENVA	FY2025	$3.2B	$308.4M	9.8%	$4.4B	47/100
Bread Financial Holdings, Inc. BFH	FY2025	$3.8B	$518.0M	13.5%	$3.9B	10/100
Sezzle Inc. SEZL	FY2025	$450.3M	$133.1M	29.6%	$4.3B	77/100
Qfin Holdings, Inc. QFIN	FY2025	$2.7B	$854.5M	31.1%	$753.8M	75/100

Where The Western Union Company Ranks

Frequently Asked Questions

What is The Western Union Company's annual revenue?

The Western Union Company (WU) reported $4.1B in total revenue for fiscal year 2025. This represents a -3.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is The Western Union Company's revenue growing?

The Western Union Company (WU) revenue declined by 3.8% year-over-year, from $4.2B to $4.1B in fiscal year 2025.

Is The Western Union Company profitable?

Yes, The Western Union Company (WU) reported a net income of $499.6M in fiscal year 2025, with a net profit margin of 12.3%.

What is The Western Union Company's EBITDA?

The Western Union Company (WU) had EBITDA of $922.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does The Western Union Company have?

As of fiscal year 2025, The Western Union Company (WU) had $1.2B in cash and equivalents against $2.9B in long-term debt.

What is The Western Union Company's gross margin?

The Western Union Company (WU) had a gross margin of 37.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is The Western Union Company's operating margin?

The Western Union Company (WU) had an operating margin of 18.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is The Western Union Company's net profit margin?

The Western Union Company (WU) had a net profit margin of 12.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does The Western Union Company pay dividends?

Yes, The Western Union Company (WU) paid $0.94 per share in dividends during fiscal year 2025.

What is The Western Union Company's return on equity (ROE)?

The Western Union Company (WU) has a return on equity of 52.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is The Western Union Company's free cash flow?

The Western Union Company (WU) generated $505.2M in free cash flow during fiscal year 2025. This represents a 36.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is The Western Union Company's operating cash flow?

The Western Union Company (WU) generated $543.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are The Western Union Company's total assets?

The Western Union Company (WU) had $8.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are The Western Union Company's capital expenditures?

The Western Union Company (WU) invested $38.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does The Western Union Company buy back shares?

Yes, The Western Union Company (WU) spent $234.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does The Western Union Company have outstanding?

The Western Union Company (WU) had 313M shares outstanding as of fiscal year 2025.

What is The Western Union Company's debt-to-equity ratio?

The Western Union Company (WU) had a debt-to-equity ratio of 3.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is The Western Union Company's return on assets (ROA)?

The Western Union Company (WU) had a return on assets of 6.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is The Western Union Company's P/E ratio?

The Western Union Company (WU) trades at 4.8x earnings, its market capitalization divided by net income of $395.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.9B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is The Western Union Company's price-to-sales ratio?

The Western Union Company (WU) trades at 0.5x sales, its market capitalization divided by revenue of $4.0B revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.9B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is The Western Union Company's Piotroski F-Score?

The Western Union Company (WU) has a Piotroski F-Score of 5 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are The Western Union Company's earnings high quality?

The Western Union Company (WU) has an earnings quality ratio of 1.09x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can The Western Union Company cover its interest payments?

The Western Union Company (WU) has an interest coverage ratio of 5.30x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is The Western Union Company?

The Western Union Company (WU) scores 35 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.