Western Union (WU)
Information Technology · Consumer money transfer and international payment services
Western Union operates a global consumer money transfer and payment services platform serving international migrants and businesses moving funds across borders.
What Western Union does
Western Union is a global provider of consumer money transfer services and payment solutions, connecting individuals and businesses across more than 200 countries and territories. The company operates a large network of agents and digital channels that enable customers to send and receive money, pay bills, and transfer funds internationally. The business is heavily dependent on international migration patterns, economic conditions, and consumer confidence in both developed and emerging markets.
Themes: ["International remittances","Consumer money transfer","Cross-border payments","Migrant worker services","Bill payment and disbursements"]
Fundamentals
- Price$7.72 as of 2026-07-09 close
- Market cap$2.5B as of 2026-07-09
- 1-year return-11.1% as of 2026-07-09 close
- P/E5.57 as of 2026-07-09
- Net margin+10.9% as of 2026-07-09
- Gross margin+36.1% as of 2026-07-09
- ROE+47.9% as of 2026-07-09
- Debt / equity2.88 as of 2026-07-09
- Revenue growth (YoY)-2.3% as of 2026-07-09
- Revenue CAGR (3y)-3.3% SEC XBRL
- Beta0.51 as of 2026-07-09
Dividend: yield +10.3%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Demand is heavily dependent on international migration patterns, economic conditions, consumer confidence, and job availability across retail, healthcare, construction, and hospitality sectors; disruptions in migration, rising unemployment, or reduced economic opportunities could materially reduce remittance volumes.","The company faces increasingly strict regulatory requirements related to money laundering, terrorist financing, fraud, and human trafficking; compliance obligations have already materially impacted operations through consent orders and settlements, and further regulatory tightening could increase costs and restrict business model flexibility.","The business operates in highly competitive and rapidly evolving markets with new technology-driven entrants (fintech, digital payment platforms) and traditional competitors; the company depends on maintaining its agent network and digital channels under favorable terms while competing on cost and innovation."]
Competitors & peers
- MoneyGram International
- PayPal/Xoom
- Wise (TransferWise)
- Remitly
- Square Cash
- OFX Group
Fundamentals: Finnhub, as of 2026-07-09. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.