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The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents and owned locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, money order and media network services, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $4.1B | $934M | $500M | $393M | 52.2% | -3.8% | -46.5% |
| 2024 | $4.2B | $918M | $934M | $276M | 96.4% | -3.4% | 49.2% |
| 2023 | $4.4B | $1.0B | $626M | $635M | 130.7% | -2.6% | -31.3% |
| 2022 | $4.5B | $1.3B | $911M | $373M | 190.6% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 4,475.50 | 4,357 | 4,209.70 | 4,050.70 |
| Cost Of Revenue | - | 2,626.40 | 2,671.70 | 2,620.50 | 2,550.60 |
| Gross Profit | - | 1,849.10 | 1,685.30 | 1,589.20 | 1,500.10 |
| Operating Expense | - | 964.20 | 867.80 | 863.40 | 742.80 |
| Operating Income | - | 884.90 | 817.50 | 725.80 | 757.30 |
| EBITDA | - | 1,293.40 | 1,034.70 | 917.50 | 934.10 |
| EBIT | - | 1,109.60 | 851.10 | 738.40 | 768.70 |
| Pretax Income | - | 1,008.60 | 745.80 | 618.60 | 625.70 |
| Tax Provision | - | 98 | 119.80 | -315.60 | 126.10 |
| Net Income | - | 910.60 | 626 | 934.20 | 499.60 |
| Net Income Common Stockholders | - | 910.60 | 626 | 934.20 | 499.60 |
| Total Expenses | - | 3,590.60 | 3,539.50 | 3,483.90 | 3,293.40 |
| Interest Expense | - | 101 | 105.30 | 119.80 | 143 |
| Interest Income | - | 13.90 | 15.60 | 11.90 | 7.90 |
| Selling General And Administration | - | 964.20 | 867.80 | 863.40 | 742.80 |
| Normalized EBITDA | - | 1,045.10 | 1,016.70 | 917.50 | 934.10 |
| Normalized Income | - | 686.39 | 610.89 | 934.20 | 499.60 |
| Market Cap | 2,789.41 | 2,789.41 | 2,789.41 | 2,789.41 | 2,789.41 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| The Western Union Companythis co. | WU | $2.9B | 5.58↓ discount | 2.91 | 52.2% | 4.56 |
| WaFd, Inc. | WAFD | $3.0B | 11.81 | 0.97 | 8.3% | - |
| CorVel Corporation | CRVL | $2.9B | 30.87 | 9.12 | 29.6% | 18.59 |
| First Financial Bancorp. | FFBC | $2.9B | 12.55 | 1.16 | 9.2% | - |
| SiriusPoint Ltd. | SPNT | $2.9B |
| - |
| - |
| - |
| - |
| - |
| - |
| 6.05 |
| 1.22 |
| 20.2% |
| - |
| Seacoast Banking Corporation of Florida | SBCF | $2.8B | 21.13 | 1.13 | 5.3% | - |
| Merchants Bancorp | MBIN | $2.8B | 10.29 | 1.30 | 12.6% | - |
| Artisan Partners Asset Management Inc. | APAM | $2.7B | 9.24 | 6.11 | 66.2% | 5.40 |
| The Bancorp, Inc. | TBBK | $2.6B | 10.71 | 3.54 | 33.1% | - |
| Peer Median | - | 11.26 | 1.26 | 16.4% | 11.99 | |