The Western Union Company WU NYSE

NYSE • Financial Services • Financial - Credit Services • US • USD

SharesGrow Score

57/100

3/7 Pass

SharesGrow Intrinsic Value

Income Statement Balance Sheet Cash Flow Statement

Annual Quarterly

The Western Union Company (WU) generated $543.7M in operating cash flow for fiscal year 2025. After capital expenditures of $150.8M, free cash flow was $392.9M.

Free cash flow margin was 9.7% of revenue. Cash conversion ratio was 1.09x, indicating earnings are backed by cash.

The company returned $309M in dividends and $234.6M in share buybacks to shareholders during the period.

Criteria supported by this page:

HEALTH (83/100, Pass) — demonstrate the company can comfortably service its debt
MOAT (38/100, Fail) — limited free cash flow weakens the competitive position
INCOME (55/100) — Cash conversion ratio was 1.09x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 57/100 with 3/7 criteria passed.

SharesGrow 7-Criteria Score

57/100

SG Score

View full scorecard →

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VALUE

80/100

Price-to-Earnings & upside

→ Valuation

✗

FUTURE

26/100

Analyst consensus

→ Forecast

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PAST

100/100

→ Income

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HEALTH

83/100

Debt-to-Equity & liquidity

Proven by this page

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MOAT

38/100

Proven by this page

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GROWTH

15/100

→ Income

INCOME

55/100

→ Income

The Western Union Company Cash Flow History

Metric	TTM	FY2025	FY2024	FY2023	FY2022
Operating Cash Flow	$543.7M	$543.7M	$406.3M	$783.1M	$581.6M
Capital Expenditure	$-129.8M	$-150.8M	$-37.4M	$-147.8M	$-208.2M
Free Cash Flow	$413.9M	$392.9M	$368.9M	$635.3M	$373.4M