Western Union Company (WU)

NYSE · Financial · Credit Services · USA

Western Union Company is a small cap company (market value between $300 million and $2 billion) in the Credit Services industry.

Western Union Company facilitates cross-border money transfers and digital financial services through a global network of agents and digital platforms. The company operates two segments: Consumer Money Transfer, enabling people to send money worldwide through retail locations and digital channels, and Consumer Services, which includes bill payment, money orders, and digital wallets.

From its FY2025 annual report (Form 10-K)

Intrinsic value, DCF valuation, financial health and value investing analysis for the Western Union Company stock.

Our verdict on WU

Undervalued: intrinsic value $25.63 per share, market price $6.16, margin of safety 76.0% (as of 2026-10-30).

Discounting its cash flows at 6.9% (average of 3 methods) values the shares at $25.63; the price of $6.16 is 76% below that value, and 83% of that value comes from beyond year five.

Leak Score: 68/100 on 12 of 12 signals (Faint Leak).

ETFs with the most weight in WU

17 more funds hold it; the full list is part of the paid plan.

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Peers in Credit Services

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Is WU undervalued or overvalued?

WU is undervalued (as of the 2026-10-30 close). Discounting its cash flows at 6.9% (average of 3 methods) values the shares at $25.63; the price of $6.16 is 76% below that value, and 83% of that value comes from beyond year five.

What is the intrinsic value of WU?

$25.63 per share (as of the 2026-10-30 close), against a market price of $6.16. That is a margin of safety of 76.0%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.

What is Western Union Company's Leak Score?

68 out of 100, which we rate "Faint Leak", on 12 of 12 value investing signals.