WU - Western Union CO

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue Growth YoY (%)	-3.8% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-176%)	-3.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-168%)	-2.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-153%)	-11.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-335%)	4.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-8.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-273%)	-5.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-207%)	1.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	1.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-63%)	-1.1% Weak → Weak Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-122%)	-2.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-144%)	1.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	-2.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-143%)	3.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	5.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	2.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-57%)	-3.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-175%)	7.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+56%)	—	—
EPS Growth YoY (%)	-44.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	62.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-28.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	9.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-26.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	30.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-68.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.9% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	11.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-15.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-8.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	35.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	13.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-4.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	11.5% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-46.5% Weak ↓ Weak Declining Year-over-year change in net income	49.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-31.3% Weak ↓ Weak Declining Year-over-year change in net income	13.0% Fair ↑ Fair Improving Year-over-year change in net income	8.3% Fair ↑ Fair Improving Year-over-year change in net income	-29.7% Weak Weak Year-over-year change in net income	24.2% Good Good Year-over-year change in net income	N/M	N/M	-69.8% Weak ↓ Weak Declining Year-over-year change in net income	-1.7% Weak ↑ Weak Improving Year-over-year change in net income	6.8% Fair ↑ Fair Improving Year-over-year change in net income	-22.2% Weak ↓ Weak Declining Year-over-year change in net income	-12.0% Weak ↓ Weak Declining Year-over-year change in net income	28.1% Excellent ↑ Excellent Improving Year-over-year change in net income	7.2% Fair ↑ Fair Improving Year-over-year change in net income	-7.6% Weak Weak Year-over-year change in net income	7.2% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%)	42.6% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-47.1% Weak ↓ Weak Declining Year-over-year change in free cash flow	44.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-42.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	21.4% Good ↑ Good Improving Year-over-year change in free cash flow	0.7% Caution ↓ Caution Declining Year-over-year change in free cash flow	33.7% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	5.4% Fair ↑ Fair Improving Year-over-year change in free cash flow	-27.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	4.2% Caution ↑ Caution Improving Year-over-year change in free cash flow	3.9% Caution ↑ Caution Improving Year-over-year change in free cash flow	1.2% Caution ↓ Caution Declining Year-over-year change in free cash flow	-2.5% Weak ↓ Weak Declining Year-over-year change in free cash flow	4.5% Caution ↑ Caution Improving Year-over-year change in free cash flow	26.0% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-14.8% Weak ↓ Weak Declining Year-over-year change in free cash flow	0.8% Caution Caution Year-over-year change in free cash flow	22.5% Good Good Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	-3.3% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-6.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-5.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-4.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.3% Weak Weak Compound annual revenue growth over 3 years	2.0% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-3.5% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-4.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-4.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-4.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-2.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.2% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-0.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-0.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.0% Caution → Caution Stable Compound annual revenue growth over 5 years	1.0% Weak Weak Compound annual revenue growth over 5 years	2.9% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-13.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	-2.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	—	68.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	5.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	—	-28.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	12.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	13.7% Good Good Compound annual EPS growth over 3 years	6.6% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Operating Margin (%) (%)	18.7% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	17.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	18.8% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	19.8% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	22.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	20.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	17.6% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	20.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	8.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	8.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	20.2% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	20.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	20.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	23.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	25.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+110%)	25.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+109%)	25.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+110%)	25.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+114%)	27.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+125%)	—
Effective Tax Rate (%) (%)	20.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-51.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	260.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	12.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	22.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+177%)	14.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	20.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+154%)	15.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	15.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+92%)	20.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+150%)	15.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	-10.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-226%)	4.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	15.3% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	15.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	14.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	18.1% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+126%)	21.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+165%)	17.5% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+119%)	16.7% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+109%)	17.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+117%)	17.5% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+119%)	—
FCF Margin (%) (%)	12.5% Fair → Fair Stable Free cash flow as a percentage of revenue Optimal: > 10%	8.8% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	17.4% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	12.3% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	19.9% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	17.4% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	16.4% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	12.2% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	12.2% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	17.9% Good → Good Stable Free cash flow as a percentage of revenue Optimal: > 10%	17.8% Good → Good Stable Free cash flow as a percentage of revenue Optimal: > 10%	17.4% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	18.2% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	19.8% Good → Good Stable Free cash flow as a percentage of revenue Optimal: > 10%	20.4% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	18.1% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	22.8% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	22.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	20.8% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.01x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	0.39x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.21x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	0.60x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.25x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.13x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	0.82x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	0.80x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	-1.21x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	3.84x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.17x Fair → Fair Stable Free cash flow relative to reported net income Optimal: > 1x	1.15x Fair → Fair Stable Free cash flow relative to reported net income Optimal: > 1x	1.26x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.10x Fair → Fair Stable Free cash flow relative to reported net income Optimal: > 1x	0.96x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.03x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.36x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.31x Good Good Free cash flow relative to reported net income Optimal: > 1x	1.19x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Return on Invested Capital (%)	21.0% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	37.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	31.9% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	32.6% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	35.2% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Return on Capital (%) (%)	9.1% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	8.7% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.0% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.4% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	12.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	10.2% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	10.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	12.5% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	5.2% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	5.1% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	11.7% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	11.5% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	10.9% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	14.1% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	15.3% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	16.4% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	17.4% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	24.3% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Interest Coverage (x)	5.30x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	6.06x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	7.76x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	8.76x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	10.65x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	8.16x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	6.14x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	7.50x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	3.35x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	3.17x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	6.61x Good → Good Stable Operating income divided by interest expense Optimal: > 5x	6.46x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	5.66x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	7.41x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	7.61x Good → Good Stable Operating income divided by interest expense Optimal: > 5x	7.65x Good → Good Stable Operating income divided by interest expense Optimal: > 5x	8.12x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	7.91x Good Good Operating income divided by interest expense Optimal: > 5x	6.99x Good Good Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$1.65B	$1.48B	$881.40M	$1.16B	$1.54B	$-1.43B	$-1.45B	$-973.40M	$-838.20M	$-877.50M	$-1.32B	$-1.78B	$-2.07B	$-1.78B	$-1.37B	$-2.16B	$-1.69B	$-1.30B	$-1.79B	$-1.42B
Debt / EBITDA (x)	3.64x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.87x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.51x Fair → Fair Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.64x Fair Fair Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.35x Fair Fair Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue per Share (USD)	$12.40	$12.38	$11.75	$11.56	$12.47	$11.73	$12.38	$12.37	$11.81	$11.06	$10.70	$10.51	$9.96	$9.36	$8.71	$7.79	$7.27	$7.23	$6.45	—
Basic EPS, GAAP (USD)	$1.53	$2.75	$1.69	$2.35	$1.98	$1.81	$2.47	$1.89	$-1.19	$0.52	$1.63	$1.60	$1.43	$1.70	$1.85	$1.37	$1.21	$1.26	$1.13	—
Free Cash Flow per Share (USD)	$1.55	$1.08	$2.05	$1.42	$2.48	$2.04	$2.03	$1.52	$1.44	$1.99	$1.91	$1.83	$1.81	$1.86	$1.78	$1.41	$1.66	$1.64	$1.34	—
Dividend per Share (USD)	$0.94	$0.94	$0.94	$0.94	$0.94	$0.90	$0.80	$0.76	$0.70	$0.64	$0.62	$0.50	$0.50	$0.42	$0.31	—	$0.06	—	—	—
Basic Weighted Avg Shares (shares)	326.60M	340.00M	370.80M	387.20M	406.80M	412.30M	427.60M	451.80M	467.90M	490.20M	512.60M	533.40M	556.60M	604.90M	630.60M	666.50M	698.90M	730.10M	760.20M	—
Dividend Payout Ratio (%)	61.4% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	55.6% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	47.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	49.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-58.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	123.1% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	38.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	31.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	35.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	5.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
LT Debt (USD)	$2.88B	$2.95B	$2.15B	$2.45B	$2.75B	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Sales/Revenue/Turnover (USD)	$4.05B	$4.21B	$4.36B	$4.48B	$5.07B	$4.83B	$5.29B	$5.59B	$5.52B	$5.42B	$5.48B	$5.61B	$5.54B	$5.66B	$5.49B	$5.19B	$5.08B	$5.28B	$4.90B	—
Depreciation Expense (USD)	$35.20M	$37.40M	$39.10M	$42.70M	$49.60M	$225.60M	$257.70M	$264.70M	$262.90M	$263.20M	$270.20M	$271.90M	$262.80M	$246.10M	$192.60M	$175.90M	$55.90M	$61.70M	$49.10M	—
Net Income, GAAP (USD)	$499.60M	$934.20M	$626.00M	$910.60M	$805.80M	$744.30M	$1.06B	$851.90M	$-557.10M	$253.20M	$837.80M	$852.40M	$798.40M	$1.03B	$1.17B	$909.90M	$848.80M	$919.00M	$857.30M	—
Operating Cash Flow (USD)	$543.70M	$406.30M	$783.10M	$581.60M	$1.05B	$877.50M	$914.60M	$821.30M	$742.00M	$1.04B	$1.07B	$1.05B	$1.09B	$1.19B	$1.17B	$994.40M	$1.22B	$1.25B	$1.10B	—

Western Union CO

Analytical Summary

20-Year Financial Trajectory

Health Breakdown

Dividend History

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