Reading the annual reports…
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
WU · NYSE · United States · Services-Business Services, Nec
In shortWestern Union CO is profitable, generates cash and carries heavy debt, with revenue shrinking (−3.8% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 18.7% | 79/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 12.3% | 69/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 51.9% | 100/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 15.7% | 100/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | – | n/a |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 3.01× | 0/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 2.08× | 55/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 5.30× | 36/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | – | n/a |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 12.5% | 70/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.01× | 89/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 4 of 5 | 0/100 |
| Revenue growth volatility | 5.9% | 89/100 |
| Operating margin volatility | 1.8% | 93/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | -3.3% | 0/100 |
|---|---|---|
| EPS growth, 3-year average | -13.4% | 0/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 5,071 | 4,476 | 4,357 | 4,210 | 4,051 |
| Cost of revenue | 2,896 | 2,626 | 2,672 | 2,621 | 2,551 |
| Gross profit | 2,174 | 1,849 | 1,685 | 1,589 | 1,500 |
| Selling, general & admin | 1,051 | 964 | 868 | 863 | 743 |
| Operating income | 1,123 | 885 | 818 | 726 | 757 |
| Interest expense | 106 | 101 | 105 | 120 | 143 |
| Pre-tax income | 935 | 1,009 | 746 | 619 | 626 |
| Income tax | 130 | 98 | 120 | (316) | 126 |
| Net income | 806 | 911 | 626 | 934 | 500 |
| Diluted EPS | $1.97 | $2.34 | $1.68 | $2.74 | $1.52 |
| Diluted shares (millions) | 409 | 388 | 372 | 341 | 328 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: a required balance-sheet item is missing.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Jul 30, 2026