Stock

The Western Union Company

Financial - Credit Services · Financial Services

Also trades as: 0LVJ.L GBP 0.06 (-1.40%)

Price

$6.34

-0.09 (-1.40%)

Market Cap

$1.98B

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Oct 24, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality

Good

17/30

Growth

Weak

2/20

Cash Flow

Strong

8/10

Stability

Weak

2/10

Valuation

Strong

8/10

Ownership

Weak

2/15

Dividends

Good

3/5

42 of 100 counted points = Winston Score 42.

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Share count falling — buybacks

−19.9% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 408.9M (2021) → 327.6M (2025)

§Winston Score History

The full picture

Western Union helps people send money to friends and family in other countries. It runs one of the world's largest money transfer networks, with hundreds of thousands of agent locations — like convenience stores and banks — plus a growing website and app. Its main customers are everyday people, often immigrants, who need to send cash back home.

Western Union earns money by charging a fee on each transfer, plus it makes additional revenue from the difference in exchange rates when converting currencies. It operates in more than 200 countries and territories, making it one of the most geographically widespread money transfer companies in the world. Its large agent network is a competitive advantage, but the company faces serious pressure from cheaper digital rivals like Wise and Remitly, and growing its own digital business fast enough to offset declining in-person transaction volumes is the central challenge ahead.

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Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

33.2%

Modest — 33.2% gross margin

Profit after running costs

Operating Margin

13.0%

Healthy — 13.0% operating margin

Return on the money invested

ROCE

18.1%

Strong — 18.1% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth

Sales YoY

-1.7%

Shrinking sales (-1.7% YoY)

Profit growth

EPS YoY

-52.8%

Earnings shrinking (-52.8% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

154%

Turns 154% of profit into real cash

Spare cash per sale

FCF Margin

10.0%

Modest free cash flow (10.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

2.95

Heavy debt load (2.95)

Covers its interest

Interest Cover

1.85x

Dangerous — barely covers interest (1.9x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

5.1x

Attractive valuation — P/E 5.1

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

+1.3

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

15.38%

Healthy income — 15.38% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

+0.0%

Dividend flat

Payout Ratio

77%

no trend

Most of the profit goes out as dividends. Little left to reinvest, and less cushion if earnings dip.

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