Western Union Valuation

Is W3U undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of W3U when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: W3U (€10) is trading below our estimate of fair value (€29.02)

Significantly Below Fair Value: W3U is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for W3U?

Other financial metrics that can be useful for relative valuation.

W3U key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue1.2x
Enterprise Value/EBITDA5.4x
PEG Ratio-1.2x

Price to Earnings Ratio vs Peers

How does W3U's PE Ratio compare to its peers?

The above table shows the PE ratio for W3U vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average24.8x
HYQ Hypoport
53.6x33.2%€1.5b
ARLN Aareal Bank
21.9xn/a€2.2b
ARLN Aareal Bank
13.7x24.6%€2.0b
GLJ Grenke
10x22.7%€859.4m
W3U Western Union
5.4x-4.6%€3.7b

Price-To-Earnings vs Peers: W3U is good value based on its Price-To-Earnings Ratio (5.4x) compared to the peer average (24.8x).


Price to Earnings Ratio vs Industry

How does W3U's PE Ratio compare vs other companies in the European Diversified Financial Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a37.9%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a37.9%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: W3U is good value based on its Price-To-Earnings Ratio (5.4x) compared to the European Diversified Financial industry average (11.4x).


Price to Earnings Ratio vs Fair Ratio

What is W3U's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

W3U PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.4x
Fair PE Ratio12.5x

Price-To-Earnings vs Fair Ratio: W3U is good value based on its Price-To-Earnings Ratio (5.4x) compared to the estimated Fair Price-To-Earnings Ratio (12.5x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst W3U forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€9.95
€12.01
+20.8%
15.6%€16.68€9.26n/a15
Oct ’25€10.79
€11.83
+9.7%
14.9%€16.18€8.99n/a15
Sep ’25€10.98
€11.83
+7.8%
14.9%€16.18€8.99n/a15
Aug ’25€10.83
€12.38
+14.3%
14.4%€16.62€9.24n/a16
Jul ’25€11.26
€12.80
+13.6%
14.6%€16.83€9.35n/a16
Jun ’25€11.80
€12.80
+8.5%
14.6%€16.83€9.35n/a16
May ’25€12.52
€12.80
+2.2%
14.6%€16.83€9.35n/a16
Apr ’25€12.62
€12.29
-2.6%
15.5%€16.62€9.23n/a16
Mar ’25€12.36
€12.27
-0.7%
15.1%€16.69€9.27n/a17
Feb ’25€11.66
€12.05
+3.4%
15.9%€16.54€9.19n/a17
Jan ’25€10.74
€12.32
+14.7%
16.0%€16.61€9.23n/a16
Dec ’24€10.72
€12.71
+18.6%
16.2%€17.04€9.46n/a15
Nov ’24€10.66
€12.71
+19.3%
16.2%€17.04€9.46n/a15
Oct ’24€12.66
€12.54
-0.9%
16.6%€16.86€9.36€10.7914
Sep ’24€11.34
€12.08
+6.5%
15.7%€16.33€9.07€10.9816
Aug ’24€11.04
€12.08
+9.4%
15.7%€16.33€9.07€10.8316
Jul ’24€10.64
€11.50
+8.1%
18.8%€16.53€9.18€11.2616
Jun ’24€10.58
€11.40
+7.7%
19.8%€16.33€9.07€11.8016
May ’24€9.72
€12.26
+26.1%
19.3%€16.42€9.12€12.5216
Apr ’24€10.27
€12.72
+23.9%
17.4%€16.59€9.22€12.6217
Mar ’24€12.16
€13.77
+13.2%
20.3%€22.49€9.37€12.3618
Feb ’24€12.92
€13.02
+0.7%
15.4%€16.77€9.32€11.6617
Jan ’24€12.92
€13.16
+1.9%
14.9%€16.85€9.36€10.7417
Dec ’23€13.93
€14.14
+1.5%
20.9%€23.22€9.68€10.7218
Nov ’23€13.70
€14.38
+5.0%
14.2%€18.22€10.12€10.6617
Oct ’23€13.73
€18.11
+32.0%
15.7%€24.49€12.25€12.6618

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.


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