What is Western Union's free cash flow margin?

Western Union (WU) reported free cash flow margin of 11.6% in Q1 2026.

What is the long-term trend for Western Union's free cash flow margin?

Over 4 years (2020 to 2025), Western Union's free cash flow margin has grown at a -7.6% compound annual growth rate (CAGR), from 17.4% to 12.7%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Western Union WU Free cash flow margin

Free cash flow margin at other companies

Euronet WorldwideEEFT

7%-7.5pp

PayPal Holdings, Inc.PYPL

16.3%-2.4pp

Remitly Global, Inc.RELY

17.5%—

Western Alliance BancorporationWAL

-43.7%-17.4pp

Paymentus HoldingsPAY

11.1%+0.4pp

Payoneer Global Inc.PAYO

18.7%+0.6pp

Other financials

Income statement

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Revenue$982.7M-0.1%

Gross profit$327.8M-10.0%

Operating income$123.0M-30.7%

Net income$64.7M-47.6%

EPS (diluted)$0.20-44.4%

Balance sheet

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Cash & equivalents$909.2M-29.5%

Total debt$2.6B-6.0%

Total assets$8.1B-2.9%

Cash flow

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Operating cash flow$109.0M-26.5%

CapEx$6.4M+88.2%

Free cash flow$102.6M-29.1%

Valuation

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Market cap$2.2B-23.5%

Enterprise value$3.91B-12.3%

P/E5×+1.8×

P/S0.5×-0.1×

Profitability

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Gross margin36.1%-1.2pp

Operating margin17.4%+0.2pp

Net margin10.9%-11.2pp

Returns & leverage

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Return on equity19.9%—

Debt / equity6.3×—

Where this comes from

Calculated from Western Union’s reported figures.

free cash flow/total revenue=11.6%

Based on trailing twelve months.

The official record: Western Union’s 10-Q, filed April 24, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Western Union's free cash flow margin?: Western Union (WU) reported free cash flow margin of 11.6% in Q1 2026.
What is the long-term trend for Western Union's free cash flow margin?: Over 4 years (2020 to 2025), Western Union's free cash flow margin has grown at a -7.6% compound annual growth rate (CAGR), from 17.4% to 12.7%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.