W3U Stock Chart & Stats
€6.23
€0.15(2.07%)
At close: 4:00 PM EDT
€6.23
€0.15(2.07%)
Day’s Range― - ―
52-Week Range€5.21 - €8.71
Previous CloseN/A
Volume200.00
Average Volume (3M)2.70K
Market Cap
€1.71B
Enterprise Value€4.19B
Total Cash (Recent Filing)€2.79B
Total Debt (Recent Filing)€2.70B
Price to Earnings (P/E)4.9
Beta0.56
Next Earnings
Nov 04, 2026EPS Estimate
0.31Next Dividend Ex-DateN/A
Dividend Yield15.01%
Share Statistics
EPS (TTM)1.25
Shares Outstanding311,878,970
10 Day Avg. Volume727
30 Day Avg. Volume2,699
Financial Highlights & Ratios
PEG Ratio-0.14
Price to Book (P/B)3.17
Price to Sales (P/S)0.75
P/FCF Ratio7.74
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€6.06Price Target Upside-2.70% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering14
EPS Forecast (FY)1.15
Revenue Forecast (FY)€3.67B
Bulls Say, Bears Say
Bulls Say
Digital Channel GrowthStrong digital transaction and revenue growth supports a more scalable distribution model and broader customer engagement. Over time, greater digital adoption can reduce dependence on physical channels, improve convenience, and create a platform for additional payment products.
Consumer Services DiversificationConsumer Services is becoming a materially larger contributor, reducing reliance on traditional money transfers and broadening Western Union’s revenue base. Continued growth in bill pay, travel money, and related services could improve resilience across changing remittance corridors.
Cash Generation And LiquidityImproving operating cash flow and substantial liquidity provide funding capacity for technology investment, strategic initiatives, and ongoing operations. This cash position gives management greater flexibility to execute its transformation while meeting obligations over the next several quarters.
Bears Say
Revenue And Margin ErosionPersistent top-line contraction and margin compression weaken earnings quality and indicate that transaction growth is not fully translating into revenue or profit. If this pattern continues, Western Union may have less capacity to reinvest and absorb competitive pricing pressure.
High Financial LeverageA debt-heavy capital structure limits financial flexibility and makes earnings weakness more consequential. High leverage can constrain capital allocation, increase sensitivity to cash-flow volatility, and leave fewer resources available for investment or strategic opportunities.
Intermex Regulatory UncertaintyThe Intermex transaction remains dependent on antitrust clearance and reinstated California approval, creating uncertainty around timing, integration, and expected benefits. Delays could defer synergies and leave management focused on regulatory execution rather than core operational improvement.
Western Union News
W3U FAQ
What was Western Union’s price range in the past 12 months?
Western Union lowest stock price was €5.21 and its highest was €8.71 in the past 12 months.
What is Western Union’s market cap?
Western Union’s market cap is €1.71B.
When is Western Union’s upcoming earnings report date?
Western Union’s upcoming earnings report date is Nov 04, 2026 which is in 22 days.
How were Western Union’s earnings last quarter?
Western Union released its earnings results on Jul 30, 2026. The company reported €0.278 earnings per share for the quarter, missing the consensus estimate of €0.376 by -€0.098.
Is Western Union overvalued?
According to Wall Street analysts Western Union’s price is currently Overvalued.
Does Western Union pay dividends?
Western Union pays a Quarterly dividend of €0.21 which represents an annual dividend yield of 15.01%. See more information on Western Union dividends here
What is Western Union’s EPS estimate?
Western Union’s EPS estimate is 0.31.
How many shares outstanding does Western Union have?
Western Union has 311,878,970 shares outstanding.
What happened to Western Union’s price movement after its last earnings report?
Western Union reported an EPS of €0.278 in its last earnings report, missing expectations of €0.376. Following the earnings report the stock price went down -14.603%.
Which hedge fund is a major shareholder of Western Union?
Currently, no hedge funds are holding shares in DE:W3U
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Western Union Stock Smart Score
Neutral
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Analyst Consensus
Moderate Sell
Average Price Target:
€6.06 (-2.70% Downside)
€6.06 (-2.70% Downside)
Blogger Sentiment
Neutral
DE:W3U Sentiment 53%
Sector Average 63%
Sector Average 63%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-13.40%
12-Months-Change
Fundamentals
Return on Equity
42.65%
Trailing 12-Months
Asset Growth
-0.20%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Western Union
Western Union operates as a global financial services provider, specializing in fund transfers and diverse payment solutions. The company's operations are divided into two main segments: Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer division enables individuals to send money to other individuals, primarily leveraging an extensive network of independent agents and sub-agents. This service covers both international transfers across borders and domestic transactions within a single country, as well as digital transfers facilitated through its websites and mobile applications. Conversely, the Business Solutions segment offers payment and foreign exchange services tailored for small and medium-sized businesses, various organizations, and even individuals. These services predominantly involve cross-border and cross-currency transactions and include financial tools like foreign currency forward and option contracts. Additionally, the company provides bill payment services, allowing individual customers to make payments to businesses and other organizations, alongside offering money orders and other related financial services. Western Union was founded in 1851 and its corporate headquarters are located in Denver, Colorado.
W3U Company Deck
W3U Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
Balanced: the company showed resilience in revenue (Q2 $1.0B, only -1% adj), transaction growth (+3% CMT; +25% branded digital transactions), improved cash generation (+45% YTD) and launched strategic initiatives (Beyond Efficiency, USDPT/DAN) aimed at long-term improvement. However, near-term profitability is under clear pressure — adjusted EPS fell to $0.31, adjusted operating margin was 15%, Americas retail and low-RPT digital mix (particularly Middle East partnerships and rapid payout-to-account migration) are compressing contribution profit per transaction, and signing bonuses / higher commissions are raising costs. Management has a concrete cost program and updated 2026 guidance but faces execution and regulatory risks (Intermex timing) while mix shifts persist.View all DE:W3U earnings summariesW3U Revenue Breakdown
91.92% Consumer-to-Consumer
0.68% Business Solutions
7.40% Other
W3U Stock 12 Month Forecast
Average Price Target
€6.06
▼(-2.70% Downside)