Western Union Co. (WU) Quality Score
Growth is the primary weakness (avg 0/100). Valuation is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation
Growth
Under 20x, reasonable relative to earnings
Under 20x cash flow, well covered
Below 2%, essentially flat
Below 2%, essentially flat
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
Contracted >2pp, margin pressure
Net debt/FCF of 2.8x, high leverage
15–20%, well above cost of capital
Western Union (WU) quality: score, margins and returns
Western Union (WU) scores 43/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 8 metrics each scored 0 to 100, on 15.9% operating margins and 15.1% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Western Union (WU) a high-quality business?+
Western Union scores 43 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a mixed business on these measures. Recent figures include a 15.9% operating margin and a 15.1% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Western Union's quality score measure?+
Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from WU's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Western Union scores well and where it falls behind.
What is Western Union's return on invested capital (ROIC)?+
Western Union earns about 15.1% on its invested capital, which is strong. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to WU's margins and growth on this scorecard to judge durability.
How profitable is Western Union?+
Western Union runs an operating margin of about 15.9% and a net margin of about 9.8%. Revenue has grown at roughly -3.5% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 30 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 31 Jul 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Related stocks: Services-Business Services, NEC
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.