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Western Union WU Ratios & Valuation

FY'25FY'24FY'23FY'22
Profitability
Gross margin37%-0.7pp37.8%-0.9pp38.7%-2.6pp41.3%-1.6pp
Operating margin18.7%+1.5pp17.2%-1.5pp18.8%-1.0pp19.8%-2.4pp
Net margin12.3%-9.9pp22.2%+7.8pp14.4%-6.0pp20.3%+4.5pp
EBITDA margin22.8%+1.3pp21.5%-1.5pp23%-0.9pp23.9%-2.4pp
Free cash flow margin12.7%17.4%+5.2pp12.3%-7.6pp
Returns
Return on assets6%-5.3pp11.3%+3.8pp7.5%-3.0pp10.5%+1.7pp
Efficiency
Asset turnover0.5×0.0×0.5×0.0×0.5×0.0×0.5×0.0×
Leverage
Debt-to-assets0.4×0.0×0.4×0.0×0.3×0.0×0.3×0.0×
Net debt / EBITDA+0.2×1.8×+0.4×1.4×0.0×1.4×-0.1×
Interest coverage5.3×-0.8×6.1×-1.7×7.8×-1.0×8.8×-1.9×
Valuation
Market capitalization$2.96B-17.4%$3.58B-16.5%$4.29B-18.6%$5.27B-24.9%
Enterprise value$4.83B-7.8%$5.24B-7.9%$5.69B-15.9%$6.76B-25.0%
Price / earnings5.9×+2.1×3.8×-3.0×6.8×+1.1×5.8×-2.9×
Price / sales0.7×-0.1×0.9×-0.1×-0.2×1.2×-0.2×
EV / EBITDA5.2×-0.6×5.8×+0.1×5.7×-0.6×6.3×-0.4×
EV / sales1.2×-0.1×1.2×-0.1×1.3×-0.2×1.5×-0.3×
Free cash flow yield17.3%17.7%+7.3pp10.4%-3.9pp
Earnings yield16.9%-9.2pp26.1%+11.5pp14.6%-2.7pp17.3%+5.8pp
Dividend yield10.4%+1.5pp9%+0.8pp8.1%+1.2pp6.9%+1.5pp

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Questions, answered.

What are Western Union's profit margins?
Western Union (WU) runs a 36.1% gross margin and a 17.4% operating margin, with a 10.9% net margin.
Where do Western Union's ratios come from?
Every ratio is computed from Western Union's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.