Overview
The Western Union Company, based in the United States, operates predominantly in the financial services industry, specializing in global money transfer and payment services. The company provides consumer-to-consumer and business-to-business money transfers along with bill payment services, often serving underbanked populations. Key projects have focused on expanding digital and mobile solutions, reflecting a strategic shift to meet the growing demand for online financial services and electronic payments. Western Union continues to enhance its global reach through partnerships and technological advancements, enabling cross-border, cross-currency transactions, which are foundational to the company's growth strategy. This strategic direction aims to position Western Union at the forefront of the evolving financial services landscape while maintaining its core offerings in money transfer and payment solutions.
Basic Stats
The share price of The Western Union Company as of September 5, 2025 is $8.84 / share. This is an increase of 2.02% from the prior week. The market cap (or net worth) of The Western Union Company as of September 5, 2025 is $2,868.43 MM.
The Factor Analysis chart (below right) shows a view of The Western Union Company from a variety of lenses. Each factor shows how well the company ranks against all other companies in the Fintel global investing universe. Factor scores range from zero to 100, with 100 being most desirable, and 50 being average.
For example, a company with a Value Score of 100 would be the most undervalued company in our database. A company with a Value Score of zero would be the most overvalued.
| Market Cap | 2,868.43 MM |
| EV | 4,598.03 MM |
| Shares Out. | 324.30 MM |
| Earnings Date | |
| EPS (TTM) | 2.76 |
| Dividend Yield | 10.63 % |
| Ex-Dividend Date | 2025-09-16 |
| Borrow Rate | 0.26 |
| Short Shares Avail. | 3.40 MM |
| Short Interest | 30.50 MM |
| Short Float | 9.50 % |
| Days to Cover | 4.80 days |
| Risk Free Rate | 4.17 % |
| Price Change (1 yr) | -26.72 % |
| Volatility (1 yr) | 0.28 |
| Beta | 0.31 |
| Sharpe Ratio (1 yr) | -1.08 |
| Sortino Ratio (1 yr) | -1.79 |
| PE Ratio | 3.20 |
| Price/Book | 3.25 |
| Price/TBV | -1.87 |
| Book/Market | 0.31 |
| EBIT/EV | 0.13 |
| EBIT(3yr avg)/EV | 0.15 |
| ROA | 0.11 |
| ROE | 2.03 |
| ROIC | 0.25 |
| CROIC | -0.02 |
| OCROIC | 0.14 |
| Implied Volatility | 31.82 % |
| Put/Call OI Ratio | 0.28 |
| Growth | |
| Profitability | |
| Quality Score | |
| Value Score | |
| Momentum Score | |
| Stability (Low Vol) Score | |
| Analyst Sentiment | |
| Fund Sentiment | |
| Insider Sentiment | |
| Officer Sentiment | |
| Dividend Score | |
| QVM Score | |
| Piotroski F-SCORE |
Factor Scores range from 0 to 100, with 100 being most desirable. Larger circles are better. In situations where we have no data (e.g. no insider trades), we plot the score at 50 to avoid penalizing companies. However, a company that does not pay dividends will get a Dividend Score of Zero. Additionally, we inverted volatility to create a "stability" metric which is better when higher.
Price Target
The average one-year price target for The Western Union Company is $9.99. The forecasts range from a low of $7.07 to a high of $17.54. A stock’s price target is the price at which analysts consider it fairly valued with respect to its projected earnings and historical earnings. Analysts typically set price targets that correspond to their buy or sell recommendations.
Update Frequency: Monthly
Stock Upgrades/Downgrades
This card shows analyst upgrades/downgrades for The Western Union Company. An analyst rating is a classification that gives investors a sense of analyst sentiment about the direction and performance of an equity - usually a stock - over a period of time, typically 12 months.
The standard analyst ratings are generally as follows:
- Buy/Overweight/Outperform - Any of these ratings conveys an analyst’s belief that the stock is likely to outperform a market index (e.g. the S&P 500).
- Hold/Equal-Weight/Market Perform - Any of these ratings conveys an analyst’s belief that the stock is likely to perform in line with a market index.
- Sell/Underweight/Underperform - Any of these ratings suggest that an analyst believes the stock is likely to underperform a market index.
When an analyst upgrades a stock, they are signaling that the company’s fundamentals are being undervalued by investors. It could also mean they believe the market is underestimating the company’s potential. The opposite is true when a stock receives a downgrade.
The average rating of each individual analyst’s rating is the consensus rating for a stock. This gives investors a broader sense of the overall sentiment for that stock.
| Date | Analyst | Prior | Latest Recommendation |
Action |
|---|---|---|---|---|
| 2023-01-09 | Goldman Sachs | Sell | Maintains | |
| 2022-11-07 | Barclays | Underweight | Maintains | |
| 2022-10-28 | UBS | Neutral | Sell | Downgrade |
| 2022-10-21 | Truist Securities | Hold | Maintains | |
| 2022-10-21 | Susquehanna | Neutral | Maintains | |
| 2022-10-21 | RBC Capital | Sector Perform | Maintains | |
| 2022-10-21 | Morgan Stanley | Underweight | Maintains | |
| 2022-10-21 | JP Morgan | Underweight | Maintains | |
| 2022-10-21 | Deutsche Bank | Hold | Maintains | |
| 2022-10-21 | Credit Suisse | Underperform | Maintains | |
| 2022-10-21 | Citigroup | Neutral | Maintains | |
| 2022-10-13 | Truist Securities | Hold | Maintains | |
| 2022-09-26 | Barclays | Underweight | Maintains | |
| 2022-08-08 | Goldman Sachs | Sell | Maintains | |
| 2022-08-04 | UBS | Neutral | Maintains | |
| 2022-08-04 | Morgan Stanley | Underweight | Maintains | |
| 2022-04-29 | Citigroup | Buy | Neutral | Downgrade |
| 2022-03-31 | UBS | Neutral | Initiate | |
| 2022-01-26 | Citigroup | Buy | Maintains | |
| 2022-01-06 | B of A Securities | Buy | Underperform | Downgrade |
| 2021-11-03 | RBC Capital | Sector Perform | Maintains | |
| 2021-11-03 | Credit Suisse | Underperform | Maintains | |
| 2021-10-20 | BTIG | Buy | Neutral | Downgrade |
| 2021-09-28 | Citigroup | Neutral | Buy | Upgrade |
| 2021-05-05 | Morgan Stanley | Underweight | Maintains | |
| 2021-02-11 | Wells Fargo | Underweight | Equal-Weight | Upgrade |
| 2021-02-11 | Morgan Stanley | Underweight | Maintains | |
| 2021-02-11 | Credit Suisse | Underperform | Maintains | |
| 2021-01-08 | Guggenheim | Neutral | Buy | Upgrade |
| 2020-11-12 | Morgan Stanley | Underweight | Maintains | |
| 2020-11-05 | Citigroup | Sell | Neutral | Upgrade |
| 2020-09-15 | B of A Securities | Neutral | Buy | Upgrade |
| 2020-08-06 | Citigroup | Sell | Maintains | |
| 2020-08-05 | Deutsche Bank | Hold | Maintains | |
| 2020-07-14 | Goldman Sachs | Sell | Initiate | |
| 2020-07-01 | Northland Capital Markets | Market Perform | Outperform | Upgrade |
| 2020-06-10 | B of A Securities | Buy | Neutral | Downgrade |
| 2020-05-07 | Keefe Bruyette & Woods | Market Perform | Maintains | |
| 2020-05-06 | Credit Suisse | Underperform | Maintains | |
| 2020-05-06 | CFRA | Buy | Reiterate | |
| 2020-04-08 | Wells Fargo | Equal-Weight | Underweight | Downgrade |
| 2020-04-02 | SunTrust Robinson Humphrey | Hold | Maintains | |
| 2020-04-02 | B of A Securities | Underperform | Buy | Upgrade |
| 2020-03-31 | Deutsche Bank | Hold | Maintains | |
| 2020-03-30 | Northland Securities | Market Perform | Maintains | |
| 2020-03-26 | Citigroup | Sell | Maintains | |
| 2020-01-24 | Credit Suisse | Underperform | Initiate | |
| 2019-12-18 | BTIG Research | Buy | Reiterate | |
| 2019-11-12 | Guggenheim Securities | Buy | Neutral | Downgrade |
| 2019-11-04 | SunTrust Robinson Humphrey | Hold | Maintains | |
| 2019-10-14 | Citigroup | Sell | Maintains | |
| 2019-09-30 | Barclays | Underweight | Maintains | |
| 2019-09-27 | Guggenheim Securities | Neutral | Buy | Upgrade |
| 2019-09-25 | BTIG Research | Buy | Maintains | |
| 2018-12-07 | Keefe Bruyette & Woods | Market Perform | Initiate | |
| 2018-11-15 | Barclays | Underweight | Initiate | |
| 2018-11-06 | Wells Fargo | Market Perform | Market Perform | Maintains |
| 2018-02-14 | Mizuho | Underperform | Neutral | Upgrade |
| 2018-01-08 | Susquehanna | Negative | Neutral | Upgrade |
| 2017-11-03 | Morgan Stanley | Underweight | Maintains | |
| 2017-11-03 | Citigroup | Sell | Maintains | |
| 2017-08-04 | Barclays | Underweight | Maintains | |
| 2017-06-28 | Mizuho | Underperform | Initiate | |
| 2017-01-20 | Compass Point | Neutral | Sell | Downgrade |
| 2017-01-04 | Guggenheim | Neutral | Initiate | |
| 2016-09-19 | Susquehanna | Neutral | Negative | Downgrade |
| 2016-09-08 | Monness Crespi Hardt | Buy | Neutral | Downgrade |
| 2016-08-05 | Jefferies | Hold | Maintains | |
| 2016-08-05 | Citigroup | Sell | Maintains | |
| 2016-08-04 | Citigroup | Sell | Maintains | |
| 2016-08-04 | Barclays | Underweight | Maintains | |
| 2016-07-07 | Barclays | Equal-Weight | Underweight | Downgrade |
| 2016-04-15 | Compass Point | Neutral | Initiate | |
| 2016-03-03 | SunTrust Robinson Humphrey | Reduce | Neutral | Upgrade |
| 2016-02-22 | Northland Securities | Market Perform | Initiate | |
| 2016-02-10 | JP Morgan | Underweight | Maintains | |
| 2016-02-10 | Deutsche Bank | Hold | Maintains | |
| 2016-01-05 | Barclays | Equal-Weight | Maintains | |
| 2015-08-14 | JP Morgan | Underweight | Maintains | |
| 2015-07-31 | Barclays | Underweight | Equal-Weight | Upgrade |
| 2015-07-09 | Monness Crespi Hardt | Neutral | Buy | Upgrade |
| 2015-07-02 | Evercore ISI Group | Buy | Downgrade | |
| 2015-05-20 | CLSA | Sell | Initiate | |
| 2015-05-01 | Wells Fargo | Market Perform | Outperform | Upgrade |
| 2015-04-06 | Susquehanna | Positive | Neutral | Downgrade |
| 2015-03-30 | Evercore ISI Group | Hold | Buy | Upgrade |
| 2015-03-29 | Evercore ISI Group | Hold | Buy | Upgrade |
| 2015-02-11 | Deutsche Bank | Buy | Hold | Downgrade |
| 2015-02-11 | Citigroup | Sell | Maintains | |
| 2015-02-11 | Barclays | Underweight | Maintains | |
| 2015-02-02 | Morgan Stanley | Equal-Weight | Underweight | Downgrade |
| 2015-01-16 | Citigroup | Sell | Maintains | |
| 2015-01-14 | Bank of America | Neutral | Underperform | Downgrade |
| 2015-01-06 | Stifel | Hold | Initiate | |
| 2014-11-26 | Topeka | Hold | Initiate | |
| 2014-11-21 | Compass Point | Neutral | Initiate | |
| 2014-11-18 | Standpoint Research | Buy | Hold | Downgrade |
| 2014-11-03 | Jefferies | Hold | Maintains | |
| 2014-11-03 | Barclays | Underweight | Maintains | |
| 2014-10-31 | Barclays | Underweight | Maintains | |
| 2014-09-16 | Sterne Agee | Neutral | Initiate | |
| 2014-08-07 | Jefferies | Hold | Maintains | |
| 2014-08-01 | Barclays | Underweight | Maintains | |
| 2014-07-29 | JP Morgan | Underweight | Maintains | |
| 2014-06-18 | Monness, Crespi, Hardt | Neutral | Initiate | |
| 2014-05-16 | Berenberg | Sell | Initiate | |
| 2014-02-27 | SunTrust Robinson Humphrey | Neutral | Downgrade | |
| 2014-01-17 | Compass Point | Neutral | Buy | Upgrade |
| 2014-01-16 | Compass Point | Neutral | Buy | Upgrade |
| 2014-01-14 | Citigroup | Neutral | Sell | Downgrade |
| 2014-01-08 | BTIG Research | Buy | Initiate | |
| 2014-01-07 | Portales Partners | Underperform | Initiate | |
| 2013-12-18 | Macquarie | Neutral | Outperform | Upgrade |
| 2013-11-12 | First Analysis | Equal-weight | Overweight | Upgrade |
| 2013-10-30 | Standpoint Research | Hold | Buy | Upgrade |
| 2013-10-30 | Raymond James | Outperform | Market Perform | Downgrade |
| 2013-09-16 | Sterne Agee | Neutral | Buy | Upgrade |
| 2013-08-14 | JP Morgan | Underweight | Neutral | Upgrade |
| 2013-07-31 | Nomura | Neutral | Maintains | |
| 2013-07-30 | Evercore Partners | Equal-Weight | Upgrade | |
| 2013-07-25 | Compass Point | Buy | Neutral | Downgrade |
| 2013-07-22 | Standpoint Research | Buy | Hold | Downgrade |
| 2013-06-18 | Morgan Stanley | Equal-Weight | Initiate | |
| 2013-06-10 | Raymond James | Market Perform | Outperform | Upgrade |
| 2013-05-01 | UBS | Neutral | Maintains | |
| 2013-04-23 | Citigroup | Buy | Neutral | Downgrade |
| 2013-02-13 | Nomura | Neutral | Maintains | |
| 2013-02-13 | Credit Agricole | Sell | Underperform | Upgrade |
| 2013-02-04 | Deutsche Bank | Hold | Buy | Upgrade |
| 2013-01-28 | Standpoint Research | Buy | Initiate | |
| 2013-01-09 | Goldman Sachs | Neutral | Sell | Downgrade |
| 2012-11-20 | Compass Point | Neutral | Maintains | |
| 2012-11-12 | DA Davidson | Underperform | Neutral | Upgrade |
| 2012-11-01 | Goldman Sachs | Buy | Neutral | Downgrade |
| 2012-11-01 | First Analysis | Overweight | Equal-Weight | Downgrade |
| 2012-11-01 | Barclays | Overweight | Underweight | Downgrade |
| 2012-10-31 | William Blair | Outperform | Market Perform | Downgrade |
| 2012-10-31 | Wells Fargo | Outperform | Market Perform | Downgrade |
| 2012-10-31 | SunTrust Robinson Humphrey | Buy | Neutral | Downgrade |
| 2012-10-31 | Sterne Agee | Buy | Neutral | Downgrade |
| 2012-10-31 | Raymond James | Outperform | Market Perform | Downgrade |
| 2012-10-31 | Jefferies | Buy | Hold | Downgrade |
| 2012-10-31 | Deutsche Bank | Hold | Maintains | |
| 2012-10-31 | DA Davidson | Neutral | Underperform | Downgrade |
| 2012-10-31 | Credit Suisse | Neutral | Maintains | |
| 2012-10-31 | CLSA | Underperform | Sell | Downgrade |
| 2012-08-13 | JP Morgan | Overweight | Neutral | Downgrade |
| 2012-07-24 | Compass Point | Neutral | Maintains | |
| 2012-04-24 | Compass Point | Neutral | Maintains | |
| 2012-04-05 | Goldman Sachs | Buy | Upgrade | |
| 2012-03-01 | UBS | Neutral | Initiate | |
| 2012-02-08 | Jefferies | Buy | Maintains | |
| 2012-02-08 | Citigroup | Buy | Maintains | |
| 2023-03-13 | Barclays | Underweight | Maintains | |
| 2023-04-10 | UBS | Sell | Neutral | Upgrade |
| 2023-04-11 | Keefe, Bruyette & Woods | Market Perform | Maintains | |
| 2023-04-13 | Goldman Sachs | Sell | Maintains | |
| 2023-04-20 | Wolfe Research | Underperform | Peer Perform | Upgrade |
| 2023-05-03 | Credit Suisse | Underperform | Maintains | |
| 2023-05-03 | Susquehanna | Neutral | Maintains | |
| 2023-05-02 | Citigroup | Neutral | Maintains | |
| 2023-05-03 | RBC Capital | Sector Perform | Maintains | |
| 2024-01-04 | Wolfe Research | Peer Perform | Underperform | Downgrade |
| 2023-12-05 | BMO Capital | Market Perform | Initiate | |
| 2023-07-24 | Citigroup | Neutral | Neutral | Maintains |
| 2023-07-27 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2023-07-27 | JP Morgan | Underweight | Underweight | Maintains |
| 2023-07-27 | Credit Suisse | Underperform | Underperform | Maintains |
| 2023-12-19 | RBC Capital | Sector Perform | Sector Perform | Reiterate |
| 2024-03-20 | Monness, Crespi, Hardt | Neutral | Initiate | |
| 2024-02-12 | Barclays | Underweight | Underweight | Maintains |
| 2024-04-25 | Evercore ISI Group | In-Line | In-Line | Maintains |
| 2024-02-07 | BMO Capital | Market Perform | Market Perform | Maintains |
| 2024-04-25 | JP Morgan | Underweight | Underweight | Maintains |
| 2024-03-26 | Evercore ISI Group | In-Line | In-Line | Maintains |
| 2024-07-17 | Citigroup | Neutral | Neutral | Maintains |
| 2024-10-24 | UBS | Neutral | Neutral | Maintains |
| 2025-02-05 | Susquehanna | Neutral | Neutral | Maintains |
| 2025-02-05 | Morgan Stanley | Underweight | Underweight | Maintains |
| 2024-12-13 | Barclays | Underweight | Underweight | Maintains |
| 2024-07-31 | RBC Capital | Sector Perform | Sector Perform | Maintains |
| 2025-04-03 | RBC Capital | Sector Perform | Sector Perform | Reiterate |
| 2024-12-09 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2024-08-20 | JP Morgan | Underweight | Underweight | Maintains |
| 2025-02-06 | JMP Securities | Market Perform | Market Perform | Reiterate |
| 2025-04-24 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2025-04-24 | UBS | Neutral | Neutral | Maintains |
| 2025-04-24 | RBC Capital | Sector Perform | Sector Perform | Maintains |
| 2025-04-24 | JMP Securities | Market Perform | Market Perform | Reiterate |
| 2025-04-24 | Susquehanna | Neutral | Neutral | Maintains |
| 2025-07-17 | Deutsche Bank | Hold | Reiterate | |
| 2025-07-31 | Barclays | Underweight | Underweight | Maintains |
| 2025-07-29 | RBC Capital | Sector Perform | Sector Perform | Maintains |
| 2025-07-29 | Morgan Stanley | Underweight | Underweight | Maintains |
| 2025-07-29 | JP Morgan | Underweight | Underweight | Maintains |
| 2025-07-29 | UBS | Neutral | Neutral | Maintains |
| 2025-07-29 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2025-07-29 | Susquehanna | Neutral | Neutral | Maintains |
